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| Category | Details |
|---|---|
| Tradeable Assets | Forex, indices, commodities, stocks, ETFs, crypto CFDs |
| Min Deposit | No minimum deposit |
| Forex Majors Spread | From about 0.8 pips on EUR/USD (Standard) |
| Regulators | FCA (UK), KNF (Poland), CySEC (Cyprus), DFSA (Dubai), FSC (Belize) |
| Trading Platforms | xStation (web, desktop, mobile) |
| Funding Methods | Bank transfer, cards, Skrill, Neteller (fees on e-wallets) |
| Currency Pairs | 69 currency pairs |
| Available Leverage | Up to 1:30 for retail clients under the FCA, KNF and CySEC; up to 1:500 through XTB International (Belize) |
| Broker Type | Market maker |
| Founded | 2002 |
| Country | Poland (Warsaw), with entities in the UK, Cyprus, Dubai and Belize |
| Free Demo Account | Yes |
| Clients Accepted | Clients in the countries where XTB has local entities, plus selected countries through XTB International; not the US |
| Pricing System | Spread only on CFDs; 0% commission on stocks and ETFs up to €100,000 a month |
| Inactivity Fee | Yes |
XTB started in Poland in 2002 and has grown into one of Europe’s largest listed brokers, with its parent company on the Warsaw Stock Exchange since 2016. It offers two things in one account: CFD trading on forex, indices and commodities, and commission-free investing in real stocks and ETFs.
This review covers XTB’s costs, platform, regulation and who it suits, based on XTB’s own pages and independent reviews from October 2026.
XTB, originally X-Trade Brokers, was founded in 2002 and received its Polish brokerage license in 2005. It expanded across Europe, opened a UK company regulated by the FCA, and listed on the Warsaw Stock Exchange in 2016, which means its finances are public.
XTB built its own trading platform, xStation, and in April 2024 retired MetaTrader 4 entirely to focus on it. Recent growth has come from its commission-free stock and ETF offering.
XTB says the group operates in 11 countries with local regulation. It does not accept US clients.
XTB lists more than 12,000 instruments:
The ability to hold real stocks and ETFs commission-free next to your trading account is XTB’s biggest draw.
xStation is XTB’s only platform, available on the web, desktop and mobile. It is fast and well designed, with built-in market sentiment, a stock screener, economic calendar, news and a trading calculator. Independent reviewers consistently rank it among the best in-house platforms.
The downside is choice. XTB dropped MetaTrader 4 in 2024 and does not offer MetaTrader 5, cTrader or TradingView, so traders who rely on Expert Advisors or custom MetaTrader indicators should look elsewhere.
There is no minimum deposit on the Standard account, and a free demo account is available.
XTB serves clients in the countries where it has local entities, including Poland and much of the EU, the UK and the Middle East, plus a set of other countries through XTB International in Belize. It does not accept US residents. Your leverage, protections and some products depend on which entity you join.
XTB does not offer copy trading. If following other traders is important to you, eToro, AvaTrade or XM are better choices.
There is no minimum deposit. Bank transfers and card deposits are free, while Skrill deposits cost 2% and Neteller 1%. PayPal is not offered.
Withdrawals go to a bank account in your name and are usually processed the next business day. On the international entity they are free above $50, with a $30 fee below that. Fees and limits vary by entity, so check the terms for your country.
XTB is good value for investors buying stocks and ETFs and reasonable for forex, though raw-spread brokers like Pepperstone and IC are cheaper for very active forex traders.
