XTB review

XTB 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.
By: Theodor Tonca
Theodor Tonca
Theodor is a Financial Writer for Invezz, reviewing, testing and scrutinizing financial products. He is a former financial analyst and investment… read more.
Updated: Sep 15, 2022
3.5/5 Star rating
16 min read
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XTB specialises in forex and CFDs. CFDs are contracts for difference and are a way of speculating on the price performance of an asset without owning it. That makes it best suited to short term traders rather than long term investors. Keep reading this review to learn more about how the platform works and whether you should sign up.

Pros & Cons


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


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.

XTB markets, assets, and options

What assets and products 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.

Forex57 pairs
See all assets on the official website

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.

Please bear in mind that trading with leverage entails additional risk of loss and should only be undertaken after you have accumulated at least some trading experience. 

ProductMaximum leverageMargin
Forex1:500 0.2%
See all leverage options on the official website

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. 

ProductAverage spreadFixed or variable?
Forex0.02 pipsVariable
Indices5 pipsVariable
Stocks0.02 pipsVariable
Commodities2 pipsVariable
See all spreads on the official website

Fees, limits, and payment options on XTB

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

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 methodDepositWithdraw
– min/max
– fees
– speed
YesNone2%InstantYesNoneVariable24 hours
Credit card
– min/max
– fees
– speed
$25 for all withdrawals
24 hours
Bank Transfer
– min/max
– fees
– speed
24 hours
$25 for all withdrawals
24 hours
– min/max
– fees
– speed
24 hours
See all payment options on the official website

How much are XTB’s fees and commissions?

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 typeFee amountCommission
ForexNone0.02 pips
IndicesNone5 pips
CommoditiesNone2 pips
Stock None0.02 pips
CryptocurrenciesNone8.1 pips
Inactivity $10 per month after 1 year/ no deposit in the last 90 days, $50 for a completely dormant account after 3 months
See all fees on the official website

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.

ProductMinimum tradeMaximum trade
Forex0.1 lotsVariable
Indices0.1 lotsVariable
Stocks0.1 lotsVariable
Commodities0.1 lotsVariable
Cryptocurrency0.1 lotsVariable
See all trading limits on the official website

XTB trading platform

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.

  • Web browser
  • Desktop
  • Tablets
  • iOS Mobile Device
  • Apple Mobile Device 

Can I use XTB in my country?

XTB is open to traders from the European Union and other regions across the globe, including: Austria, Belgium, Croatia, and Cyprus. Select your country from the list below to see if it is available where you are.

Is XTB available in my language?

XTB’s main website is available in over 15 languages, including Spanish, Turkish, Portuguese, Slovenian, Vietnamese, Arabic, Polish, Czech, Italian, French, Chinese, Greek, Romanian, German, and Hungarian.

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.

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.

Security and regulation

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)

Do I have to verify my account with XTB?

Yes, XTB follows a KYC (Know Your Customer) policy that requires all clients to submit personal information, including their country of residence, proof of residence, a photo of a valid ID, and other personal identification information. 

Extra information

Educational resources 

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.

Tools and charting

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.

Customer support

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.

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.

How to open an account with XTB

  1. Go to the “Create Account” section on the main page on the right
  2. then take a few minutes to fill in the fields with the relevant information about your account, such as country of residence, email address, your full name, and address
  3. Once you receive your verification email, click through, complete the client questionnaire, and upload your identification documentation.
  4. After your ID has been verified, you are ready to deposit funds and start trading!
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

Invezz is a place where people can find reliable, unbiased information about finance, trading, and investing – but we do not offer financial advice and users should always carry out their own research. The assets covered on this website, including stocks, cryptocurrencies, and commodities can be highly volatile and new investors often lose money. Success in the financial markets is not guaranteed, and users should never invest more than they can afford to lose. You should consider your own personal circumstances and take the time to explore all your options before making any investment. Read our risk disclaimer >

Theodor Tonca
Financial Writer
Having worked for a decade as an analyst, investment partnership founder, and writer - Theodor is a keen sportsman. When not working, he can most commonly… read more.