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CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

XTB review 2024

Investing options: 3.8

Platforms & usability: 4.2

Products, markets, & assets: 3.4

Safety & reliability: 3.7

Deposits & withdrawals: 4.1

Research & analysis tools: 3.6

Fees & costs: 3.6

Education & learning resources: 3.8

XTB review Summary

Updated: May 23, 2024
16 min read
XTB Online Investing is a broker platform that lets you trade CFDs and forex pairs. Based in Europe, it accepts customers from all over the world and there are over 2,000 assets available to speculate on.

Our opinion of XTB

With its comprehensive trading platforms, extensive educational resources, and multi-asset product offering, XTB provides retail traders with a feature-rich and accessible environment to pursue trading. During out XTB review, we found that xStation’s powerful yet intuitive interface allowed seamless trading across a range of global markets. 

Traders have the analytical tools and order customisation to implement various strategies. For beginners, XTB’s learning materials and demo accounts promote an informed starting approach. Seasoned traders can benefit from automation and risk management capabilities. 

While trading costs and spreads are higher relative to some competitors, XTB’s overall package makes it a platform worth considering. With regulation across major jurisdictions, XTB offers a credible solution for exploring global markets. Our time spent evaluating its services leads us to recommend XTB as a brokerage able to cater to most retail trader needs.

XTB highlights

Features XTB Online Investing summary
No. of tradable assets 2,200
Min. Deposit $0
ID verification required Yes
Free demo account Yes
Supported assets Stocks, Cryptocurrencies, Commodities, Currencies, Indices, ETFs
Mobile trading app Yes
Web trading platform Yes
Regulatory bodies CySEC, FCA, KNF
View more > XTB Online Investing >

Pros & Cons


Trade CFDs on thousands of assets
Regulated broker
Deposit protection for client accounts
Good number of educational resources


Can I open an account with XTB Online Investing?

Investing options

What can I do with XTB?

With XTB you can trade CFDs on a wide range of assets, from stocks and cryptocurrency to commodities and precious metals. You can also trade currency pairs like GBP/USD and EUR/JPY.

XTB is a London-based broker that has a solid track record over more than 15 years in the market. It has a scalable account system that offers more advanced features for professional users, so the most experienced traders can access leverage of up to 1:500, while there is a forex demo account for beginners.

What accounts does XTB offer?

XTB offers two main types of accounts, a standard and swap free. Here’s a look at what else is available with the brokerage firm.

Account type XTB Online Investing accounts eToro accounts Plus500 accounts
Trading platform Yes Yes Yes
Crypto staking No Yes No
Crypto wallet No Yes No
Money management Yes Yes Yes
Spread betting broker No No No
View more > XTB Online Investing > eToro > Plus500 >

Products, markets & assets

What products and assets can you trade on XTB?

XTB provides over 2,000 tradable assets, primarily in the form of CFDs and forex pairs. There are 57 currency pairs and also over 25 cryptocurrencies available, so you can trade CFDs on coins like Bitcoin, Ethereum, and Litecoin among others.

Product XTB Online Investing assets eToro assets Plus500 assets
Stocks 1,943
ETFs 163
Currencies 71
Cryptocurrencies 46
Indices 34
Commodities 28
View more > XTB Online Investing > eToro > Plus500 >

What leverage trading options are there?

XTB offers the possibility of trading with leverage on forex currency pairs of up to 1:500 for its international clients. However, the European Securities and Markets Authority (ESMA) has restricted the maximum leverage provided for EU customers to up to 1:30.

Product XTB Online Investing maximum leverage eToro maximum leverage Plus500 maximum leverage
Stocks 1:20
ETFs 1:20
Currencies 1:500
Cryptocurrencies 1:2
Indices 1:20
Commodities 1:20
View more > XTB Online Investing > eToro > Plus500 >

What are the spreads?

XTB charges variable spreads, depending on the asset you wish to trade, and the volume of your trade. Forex spreads can be as low as 0.00011 pips for the AUD/USD pair or go up to 0.18 pips for the EUR/HUF fiat pair.

Product XTB Online Investing spreads eToro spreads Plus500 spreads
Stocks 2 pips
ETFs 2 pips
Currencies 0.02 pips
Cryptocurrencies 8.1 pips
Indices 5 pips
Commodities 2 pips
View all tradable assets > XTB Online Investing > eToro > Plus500 >

XTB trade sizes and limits

The minimum trade size starts at 0.1 lots, but the maximum traded volume is determined depending on your account type and whether you’re a professional or a regular trader.

Product XTB Online Investing minimum trade eToro minimum trade Plus500 minimum trade
Stocks 0.1 lots
ETFs 0.1 lots
Currencies 0.1 lots
Cryptocurrencies 0.1 lots
Indices 0.1 lots
Commodities 0.1 lots
View more > XTB Online Investing > eToro > Plus500 >


Which stocks are available on XTB?

There is a range of stocks available on XTB from various global markets including the United States and Europe. Below shows the number of stocks on the platform from each country. 

Country No. of stocks on XTB Online Investing
United States 1,152
United Kingdom 215
Germany 112
France 123
Switzerland 28
Sweden 42
Spain 62
Italy 50
Netherlands 38
Norway 30
Denmark 27
Finland 24
Belgium 20
Portugal 13
Czech Republic 6
View more > XTB Online Investing >

What are the fees for buying and selling stocks?

There is zero commission for buying and selling stocks on XTB. You will however need to pay a spread, which is variable and depends on the market you’re trading. 


What cryptocurrency pairs can be traded on XTB?

The crypto selection on XTB is quite good for a CFD broker and you can trade approximately 46 pairs. Here’s a look at which crypto CFDs are on XTB. 

Cryptocurrency Cryptocurrency Cryptocurrency
Algorand (ALGO) ApeCoin (APE) Avalanche (AVAX)
BNB (BNB) Bitcoin (BTC) Bitcoin Cash (BCH)
Cardano (ADA) Chainlink (LINK) Chiliz (CHZ)
Cosmos (ATOM) Curve DAO Token (CRV) Decentraland (MANA)
Dogecoin (DOGE) dYdX (DYDX) MultiversX (EGLD)
EOS (EOS) Ethereum (ETH) Fantom (FTM)
Litecoin (LTC) Polkadot (DOT) Uniswap (UNI)
Cronos (CRO)
View more > XTB Online Investing >

What are the fees for buying and selling cryptocurrencies?

There is no commission to buy and sell crypto on XTB, there is however spreads to pay. Spread is variable for each coin. 

Does XTB offer staking and rewards?

No, XTB is a CFD brokerage and does not offer staking or rewards. 


What forex pairs can be traded on XTB?

There is a good choice of over 70 forex pairs available on XTB including the majors, minors and some exotics. Below are some of the FX markets you can trade via your XTB account. 

Currency pair Currency pair Currency pair
View more > XTB Online Investing >

What are the minimum spreads for trading forex?

The minimum spread for forex is 0.0003 pips. Although it is important to note that you’re unlikely to have spreads this low on exotic pairs and it’s mostly avialabel on the majors. 


What commodities can be traded on XTB?

Along with the largest commodities like gold, silver, and oil, XTB also offers a range of others such as wheat and corn. Below are some of the commodities you can trade on XTB. 

Commodity Commodity Commodity
Gold Silver Brent oil
Crude oil Gasoline Corn
Wheat Sugar Soybeans
View more > XTB Online Investing >

What are the minimum spreads for trading commodities?

Like other markets on XTB, commodities have variable spreads, which means they fluctuate throughout the day. The minimum spread for commodities is 0.02pips. 

Deposits & withdrawals

What are the minimum & maximum deposits?

There are several deposit methods available, including bank transfers, credit cards, and e-wallets (PayPal & Skrill). XTB doesn’t accept bank transfers from countries other than the one of your residence. Moreover, transactions performed via PayPal and Skrill may be subject to additional third-party fees.

Payment method Minimum deposit (USD)* Maximum deposit (USD)
Debit/credit card No min No max
Bank transfer No min $50,000
PayPal No min No max
Skrill No min No max
View more > XTB Online Investing >

What are the minimum and maximum withdrawals?

There are no minimum and maximum withdrawals for most payment methods on XTB.

Payment method Minimum withdrawal Maximum withdrawal
Debit/credit card No min No max
Bank transfer No min No max
PayPal No min No max
Skrill No min No max
View more > XTB Online Investing >

What are the deposit and withdrawal options fees, limits, and speeds?

Depending on the payment method you use you may encounter fees when withdrawing funds. PayPal is free, while others have a fee. Here’s a closer look.

Payment method Withdrawal fee Withdrawal speed
Debit/credit card $25 24 hours
Bank transfer $25 24 hours
PayPal Variable 24 hours
Skrill Variable 24 hours
View more > XTB Online Investing >
Great, I’m Ready to Sign Up Now
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Fees & costs

How do XTB fees work?

Fees and commissions when trading with XTB depend on the type of asset you wish to trade, the trade volume, and the type of account you opt for. The Standard Account offers automated trading with a minimum spread of 0.35 pips.

Opening a Pro account will allow you to trade with a smaller minimum spread starting at 0.28 pips.

Fee XTB Online Investing fees eToro fees Plus500 fees
Trading fees Yes Yes, on certain assets No
Inactivity fees Yes Yes Yes
Rollover/overnight fees Yes Yes, on CFDs Yes
Withdrawal fees Yes Yes No
Spreads Yes Yes, on certain assets Yes
Conversion fees Yes Yes, for non-USD currencies Yes
View more > XTB Online Investing > eToro > Plus500 >

What are XTB’s trading fees?

XTB doesn’t charge commissions but it does charge a spread, which is the difference between the buy and sell price of any asset. SPreads on XTB are variable, which means they fluctuate throughout the day depending on market conditions

Asset XTB Online Investing fees eToro fees Plus500 fees
Cryptocurrencies 8.1 pips 1% From 2%
Commodities 2 pips From 2 pips From 0.04%
Currencies 0.02 pips From 1 pip From 0.8%
Indices 0.2 pips From 0.75 pts From 0.7%
Stocks 0.2 pips 0% commission From 0.08%
View more > XTB Online Investing > eToro > Plus500 >

Platforms & usability

What devices can I use XTB on?

XTB offers the xStation 5 trading platform. xStation 5 delivers an excellent user experience for web, mobile, tablets, and even Android and iOS smartwatches, so you can take your trading everywhere you go.

xStation 5 is also available to download onto PC desktops.

Device Browser/operating system
Web browser Google Chrome, Microsoft Edge, Mozilla Firefox, Safari
Mobile app iOS, Android
Tablet iOS, Android
View more > XTB Online Investing >

XTB mobile app review

The XTB mobile trading app provides traders with a robust on-the-go trading experience. The intuitive interface allows you to easily monitor markets, access advanced charting tools, and execute trades directly from your mobile devices. 

Its key features include real-time quotes, a full suite of order types, custom alerts, and advanced security measures like biometric login. With its seamless integration with the desktop platform, the XTB mobile app allows you to seamlessly transition between desktop and mobile. Its user-friendly design and comprehensive capabilities make it a top choice for active traders who need flexible access to global markets.

Web trading platform

The most important question any user has is: How easy is it to use XTB?

XTB’s interface is intuitive and easy to use. The xStation 5 trading platform provides a series of tools and APIs that meet even the discerning needs of professional traders.

The mobile version can be downloaded to any type of mobile device (smartphone or tablet) and features a user-friendly interface. XTB also offers a free demo account where you can experiment with various trading strategies and get familiar with the platform.

Desktop trading platform

The XTB desktop trading platform, xStation, provides traders with a good set of tools and customisation in an intuitive interface. It offers advanced charting capabilities which let traders conduct technical analysis using a range of indicators and drawing tools. 

For discretionary traders, the platform includes one-click trading, predefined trading templates, and algo trading through Expert Advisors. Customisation options let you tailor the platform to your preferences. With its combination of power, flexibility and ease of use, xStation is designed to enhance any trading style or strategy. 

Key features

XTB is one of the largest publicly traded listed forex and CFD brokers in the world. Here are some of their key features:

Licensed & regulated

XTB is regulated by several international regulatory agencies, including the FCA, KNF, CySEC, and IFSC.

Award-winning broker

Throughout the years, XTB has accumulated awards, including Best Brokerage House in Europe from the Global Banking & Finance Review, Best CFD Trading Provider at the M&A Global Awards 2018, and others. 

Elected professionals

Every new client is automatically a Retail classified client unless they decide to upgrade to be an Elected Professional. This means that you make at least ten trades per quarter or have an account portfolio surpassing the €500,000 mark. Traders who are certified as ‘elected professionals’ lose some of the FCA conditions and gain higher leverage access as well.

Safety & reliability

Is XTB safe?

XTB has earned the trust of over 14,000 clients by prioritizing trader security in the form of segregated accounts, meaning that client funds are kept completely separate from their own funds and PCI compliant credit card and other data security encryption.

Am I and my funds protected?

XTB is authorised and regulated by the UK Financial Conduct Authority (FCA) and operates in strict accordance with the FCA’s rules on client money protection. Under the Financial Services Compensation Scheme (FSCS) Agreement, clients’ accounts are protected up to £85,000 per person, in the unlikely event of XTB’s insolvency. 

Is XTB regulated?

Yes, XTB is regulated and supervised by several Tier 1 financial authorities, including:

  • Cyprus Securities and Exchange Commission (CySEC)
  • Financial Conduct Authority in the United Kingdom
  • KNF The Polish Financial Supervision Authority
  • The International Financial Services Commission (IFSC)
Region XTB Online Investing regulators eToro regulators Plus500 regulators
Africa FSA
Australasia ASIC ASIC, FMA
North America FinCEN
South America
View more > XTB Online Investing > eToro > Plus500 >

XTB customer support review

XTB provides one of the best customer support services among online CFD brokers. Its team of experts speak more than 15 languages, including Arabic, Portuguese, Romanian, French, and Thai among others and there are also several phone numbers offered to clients, depending on their issue, from account opening to deposits/withdrawals, and general inquiries. 

The support team is available 24/5 and you can also message them directly via live chat as well.

Support type XTB Online Investing customer support eToro customer support Plus500 customer support
Help Centre/FAQs Yes Yes Yes
Email Yes Yes Yes
Live chat Yes Yes Yes
WhatsApp No Platinum, Platinum+, and Diamond members only Yes
Telephone No No No
View more > XTB Online Investing > eToro > Plus500 >

What are the risks of using XTB?

Like with other brokerage platforms, the main risk of using XTB is losing money. However this is largely down to your skills as a trader as opposed to the platform itself. Here are a few more risks you should consider before using XTB. 

  • Leverage risk. XTB offers leverage up to 1:500, which can amplify both gains and losses. You need to manage risk properly when using high leverage or risk exceeding their capital.
  • Counterparty risk. XTB is the counterparty to client trades. There is a small risk that XTB could have financial difficulties, limiting ability to pay out client funds. XTB mitigates this by segregating client funds and meeting regulatory capital requirements.
  • Spread widening. XTB provides liquidity for trades. During times of volatility, XTB may widen spreads on instruments which increases trading costs for clients. This is a common issue with brokers that act as market maker.

Research & analysis tools

What trading tools are on offer?

XTB offers an easy-to-use trading platform with tools for both new and experienced traders alike. The xStation platform offers access to advanced trading tools, including a pricing trading environment without a Dealing Desk and compatibility with Chrome, Firefox, Safari, and Opera browsers.

Trading tool XTB Online Investing tools eToro tools Plus500 tools
Charts Yes Yes Yes
News feeds Yes Yes Yes
Analyst recommendations Yes Yes Yes
Fundamental analysis Yes No Yes
Financial calendar Yes Yes Yes
MetaTrader integration No No No
View more > XTB Online Investing > eToro > Plus500 >

Advanced charting

XTB’s xStation platform includes flexible charting with over 180 pre-installed indicators, multiple chart types , and drawing tools for technical analysis. Charts can also be saved and customised for more convenience.

Trading Central

This third party service provides trading ideas, forecasts, and risk analysis on thousands of instruments through various formats like video, PDF reports and technical insights. This is an excellent way to stay ahead using the expertise of analysts and professionals. 


Autochartist automatically scans markets to detect technical chart patterns and trading opportunities. It also provides potential entry, exit and stop-loss levels. You can use Autochartist as a free signal service and its especially useful when trading FX. 

Sentiment indicators

Tools like the Trading Bell show live calculations of bullish/bearish sentiment on instruments based on client trades executed on the XTB platform. These indicators provide insights into crowd positioning using other traders on the XTB network.

Alarm Manager

Allows traders to set up custom price, technical and time-based alerts on instruments so you are notified of opportunities or when levels hit.

Demo Account

Traders can simulate trading strategies safely with virtual funds to backtest performance before applying strategies to a live account. The XTB demo account is an excellent way to learn in a risk free environment. 

Education & learning resources

What educational resources are on offer?

XTB is client-oriented and offers a series of free educational resources for its clients. These include articles, live webinars, and a complete Trading Academy dedicated to teaching you how to trade, which can be accessed from the broker’s website under the “Learn to trade” tab.

Educational resource XTB Online Investing resources eToro resources Plus500 resources
Demo/virtual account Yes Yes Yes
Video tutorials/webinars Yes Yes Yes
Walkthrough guides Yes Yes Yes
Copy trading No Yes No
Trading academy Yes Yes Yes
View more > XTB Online Investing > eToro > Plus500 >

xStation tutorials

These built-in platform tutorials directly within xStation walk traders step-by-step through key features. Tutorials exist for order types, technical/chart analysis, custom indicators, automation, and more.

Trading webinars

XTB offers a schedule of live webinars focused on different markets (forex, indices, cryptos etc), trading strategies (breakouts, reversals, trends) and concepts (risk management, psychology). Traders can engage with experts through a chat window. Past webinars are also recorded so you can always keep up.

Trading guides

The trading guides on XTB’s website provide in-depth education on relevant topics like: technical vs fundamental analysis, identifying trends/chart patterns, managing risk & position sizing, using indicators, trading psychology, and more.

Trading courses

XTB offers structured online courses to take traders through systematic learning. Courses exist for technical analysis, Elliot Wave theory, supply & demand trading. Each course has chapters, materials, and quizzes.

XTB video review

XTB customer reviews

XTB has mixed reviews from its users. While it scores well for certain aspects, according to users, it needs improvement in other areas. Here are its scores from three leading review websites. 

XTB reviewsReview rating
Google Play store4.3
App Store4.7

Our verdict

XTB is one of the few licensed and regulated online forex platforms that is also publicly traded (on the Warsaw Stock Exchange). It offers clients a good trading platform and access to over 2,000 CFD assets including stocks, indices, forex pairs, and cryptocurrencies. 

Both the mobile and the web versions are modern, user-friendly and include enough tools and comprehensive charts to satisfy most traders. The low starting spreads (0.01 pips) and professional account options are also a welcome addition.

XTB also provides a complete trading academy which contains a vast array of content dedicated to helping trader’s improve at their craft. On top of which there is a market analysis section with news, an event calendar, and features like top gainers/losers for many popular securities. Trader’s can do far worse than selecting XTB as their primary broker.

Visit XTB & Create Account
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Who is XTB suitable for?

XTB can accommodate both beginner and experienced traders given its range of platforms, tools, and educational resources. For beginners, XTB offers demo accounts to practice, comprehensive trading guides and courses explaining concepts from the ground up, and a glossary of terms.

Experienced traders can trade a range of markets with competitive spreads. Its proprietary xStation trading platform offer a good selection of indicators and the ability for customisation, making it suitable for traders who have been in the game for a while. 

Is XTB good for beginners?

The easy-to-use xStation platform and mobile app provide a simple interface for new traders. Extensive learning materials ensure beginners have full information needed to start trading. XTB also provides customer support and low minimum deposits. With proper practice and education, XTB can be a good fit for traders just starting out.

Our methodology

Helping people make better financial decisions is at the heart of our mission at Invezz. 

We test each broker to provide clear, accessible guidance on the service it offers and how it compares to the 63+ other trading platforms we review. Testing is carried out by our panel of industry experts, analysts, and active traders who sign up to the platform, conduct research, and score the service.

To supplement our practical testing and experience, we research the service to gather any further relevant information and provide context to help you decide whether the broker is right for your investing needs. We read online customer reviews, app reviews on the Play Store and App Store, and conduct user surveys to get feedback from real people about what works, and what doesn’t.

The trading platform is awarded a final score based on 130+ data points across 8 ranking categories: cost, reliability, user experience, deposit & withdrawals, investing options, range of products/markets, research & analysis tools, and the availability of educational & learning resources.

We work closely with the individual brand to ensure all factual information displayed here is accurate. All data is then fact-checked by an independent reviewer. You can learn more about our expert panel and how we test, rate, and review platforms in our review process


Who owns XTB?
How does XTB make money?
Do I have to pay tax on XTB profits?
Does XTB offer CFD trading?
How do I sell on XTB?
How do I delete my XTB account?
How can I short on XTB?
What if I forget my account password?
Can I transfer from my XTB account into my PayPal account?
What if XTB closes down while I have open trades?
Can I access my full trading history on XTB?
Can I pay in cryptocurrency with XTB?
Does XTB offer bonuses?

Sources & references
Risk disclaimer
Prash Raval
Financial Writer
Prash is a financial writer for Invezz covering FX, the stock market and investing. For over a decade he has traded spot FX full time while... read more.

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