3.75 27 Reviews

XTB Review Summary

XTB is a trusted UK and European market leader in online trading solutions through its headquarters in Poland and London (UK). XTB broker was the first company to establish forex trading in Poland and became the fourth largest listed stock exchange company. XTB is a global FX and CFD provider with offices in 12 countries - Czech Republic, Hungary, Italy, Turkey, Chile, Belize, Poland, Germany, Slovakia, Portugal, Romania, Spain, and France. The broker provides 24-hour dedicated service and support.

XTB Review Highlights

Trading Platform: MT4, xStation5
Cryptocurrencies Yes
Regulator FCA
Minimum Initial Deposit $250
Leverage 1:200

Pros & Cons

  • 1. Award-winning platform
  • 2. Negative balance protection
  • 3. Easy and quick account opening
  • 4. Regulated by the FCA
  • 5. Free, easy deposits and withdrawals
  • 6. Wide range of educational materials
  • 1. Poor support for email
  • 2. Limited portfolio of products, mostly CFD and FX
  • 3. Does not hold a bank license
XTB logo


XTB won numerous awards for both the technology and services that it offers. Some of the broker’s most recent awards include ‘The Highest-Ranked FX & CFD Broker’ voted by the Wealth & Finance International.

Is XTB safe, or is it a scam?

Since XTB is a European broker, it follows certain regulators. The UK-registered XTB company is regulated by the FCA (Financial Conduct Authority). The broker is also regulated in Poland by KNF, and in China by CMB.

XTB thoroughly follows regulatory’ guidelines by offering security and transparency to its traders, which is the most important thing when selecting a broker. A licensed and regulated broker will provide a safer trading environment.

At XTB, the security of funds is of paramount importance. All client funds are held in segregated accounts and are regularly checked for compliance by the FCA. In addition to this, the FSCS protects clients up to £50,000 in the unlikely event of insolvency.

Even though XTB serves additional entities in the Belize offshore zone, we believe the broker offers a safe trading environment, even though offshore firms are not usually recommended due to high risks.


As a European-based broker, the XTB cannot offer high leverage ratios due to strict ESMA regulations.

Traders may use a maximum level of 1:30 for Forex instruments, 1:5 for Stocks, and even lower for some additional assets.

However, it is crucial to remember that these restrictions protect traders from high losses. Higher leverage ratios may pose a significant risk to any trader for money loss. Thus, 1:30 is still a good level to maintain potentially successful trading, but with lower risks involved.

In addition to this, XTB offers higher leverage of up to 1:500 to professional clients.

Account Types

XTB offers two accounts types: the Standard Account and the Pro Account. Account capabilities may vary based on where you live.

Standard Account:

The Standard account type offers over 1500 financial instruments, such as CFDs in Forex, Commodities, Indices, Crypto, Shares, ETFs. Usually, the maximum leverage is 1:30, while the minimum spread is 0.00008. Negative balance protection is applicable, and the minimum order is 0.01. Account setup and management are completely free. No commission is charged on forex, indices, commodities, and stocks. Commission from 0.08% per lot is charged on Stock CFDs and ETF CFDs.

PRO Account:

The Pro Account type also offers over 1500 financial instruments, such as CFDs in Forex, Commodities, Indices, Crypto, Shares, ETFs. Normally, the maximum leverage is 1:30, while the minimum spread is 0.00001. Negative balance protection is applicable, and the minimum order is 0.01. Account setup and management are completely free too. Commission from 3.50 EUR per lot is charged on forex, indices, and commodities. Commission from 0.08% per lot is charged on Stock CFDs and ETF CFDs.


Generally speaking, accounts with approximately the same options and benefits provided by XTB, apart from the difference in swap rates and spread levels ranging from 0.35 pips on the Standard Account and 0.28 pips on the Pro Account a commission of $3.50 per lot.

The broker’s non-trading fees are average while the trading fees are competitive and low. The broker also offers good spreads on Stock CFD trading. XTB charges swap fees.

There are several ways to deposit funds into a trading account, including the most popular and secure payment methods, so that you can transfer funds relatively quickly. However, check the applicable conditions to ensure that you are not charged anything extra.

The minimum deposit is $250, but you may be required to deposit more money for the PRO Account.

Financing fees, bank transfers, withdrawals, and deposits by credit cards are free of charge. XTB accepts the following currencies: EUR, USD, GBP. However, other payment methods incur additional costs – for example, 2% of the deposited amount via PayPal and Skrill.

How do I withdraw money from XTB?

In order to withdraw funds from your account, the client must proceed with an online request and choose where to transfer the money (nominated bank). Another nice feature that XTB does not charge a fee for inactivity.

Financial Instruments and Trading Platforms

XTB offers over 48 FX pairs for trading, and CFDs like indices (35), commodities (21), stocks (1500), and cryptocurrencies (25).

XTB offers two leading platforms that the clients can choose from xStation5 and MT4. xStation5 is a proprietary platform, built by XTB themselves. Nevertheless, it’s a well-recognized platform that is known for its efficiency and progressive design. It offers fast execution and a very comprehensive charting package. xStation 5 won ‘Best Trading Platform’ at the Online Personal Wealth Awards and ‘Best FX Proprietary Platform’ at the Forex Magnates Awards. 

The platform is available on desktop and mobile, but can also be used via WebTrader. xStation5 is fully customizable and relatively fast. It offers useful tools such as calculators, advanced charts, trader statistics, bulk orders, traders talk, and advanced technical analysis. The web platform is easily accessible via any browser, but is less comprehensive and has fewer tools. For intraday trading, it’s better to use the desktop platform that has more tools available.

xStation5 also offers market sentiments that show current ‘bear and bull’ trends for various markets. The platform also has an equity screener that filters stocks and searches for new opportunities.

XTB also offers the well-known MT4 platform, but with some enhanced features like fast, reliable trading execution, multi-asset coverage, no dealing desk intervention, no requotes, and Expert Advisors.

Customer Support

The support team at XTB offers relevant and quick answers and is available on a 24/5 basis. The team is multi-lingual and is reachable via live chat, email, and phone.

Since customer service is not available on weekends, clients can leave their requests via email, and it will be answered on Monday.


One of XTB’s goals is to help brokers develop their trading strategies. The broker provides a comprehensive training program designed to build skills and knowledge for every trader’s level. The broker offers video tutorials and guides via their Trading Academy, online webinars, and live market analysis. XTB also has a Trading Club – this is a traders’ community with one-to-one mentoring and expert trainers.


As a multi-asset broker, XTB offers a well-balanced trading experience while being regulated by several major financial regulators and is considered a reliable broker.

Beyond quality service, the broker’s robust platform and offerings to clients have earned it excellent ratings. XTB aims to maintain long-term cooperation with active traders, which is one of its main objectives. As a whole, XTB offers more than other brokers, and that’s certainly worth noting.


XTB Registration

Founded: 2002
Broker Type: Execution only, STP
Languages Supported: EN, ZH, TR, IT, PO, FR
Trading Instruments: 1500 plus including Indices, FX, Stocks, Commoditi
Account Types: Three account types
Expert Advisors: Yes
Social Trading: Yes
Hedging: Yes
Scalping: Yes
Commission: Yes
Inactivity Fee: N\A
Swap-Free Account: N\A
Mobile Apps: N\A
Demo Account: Yes
Prohibited Countries: N\A
Trading Fees: Yes, variable
Withdrawal Fees: Yes, minimal
XTB logo


If you are the owner of this platform you can manage this account. First you need to claim the ownership of the platform.


27 Reviews for XTB

  • Gareth Walsh says:

    Quite useful, but

    – Massive margins on some products (5%+ spreads)
    – Occasional tech problems (submits double purchase orders, does not change sell / buy thresholds sometimes – I lost more than $500 because of these)
    – Support is essentially not present

    Unfortunately, sucky it may be, it is still better than most other platforms.

  • Tara N says:

    Really good service,had a confusion with my settings and Kadesha helped me promptly and efficiently!!Keep up!!

  • Didier Kundai says:

    The assistant Deshea was very helpful, swift and understanding

  • Florin A. says:

    Quality service. Always prompt and on time.

  • Nhora says:

    Very good service

  • Muhammad says:

    I am absolutely satisfied after 5 years working with them!!

  • Patricia says:

    Hardly interact with clients

  • Paul says:

    It’s been great!!! Will like to see more user friendly terminal developed for MT5

  • Se Ofdang says:

    so far been good and smooth although at times when opening from the metatrader4 app on IOS it can be quite slow.
    Overall its good and their support has been responsive.

  • Roman says:

    The service is good , no problem with this broker )

  • Dhimi says:

    Fast withdrawal and good customer service.

  • MR Filipo says:

    Too high provision!

  • Bailey Newman says:

    Once thought XTB was the best but now have other brokers with similar spread and does not charge a commission.

  • Mike Baker says:

    Tried to withdraw my money and already uploaded my credit card and asked them to time if is it approved and they said it’s approved then they asked to change my credit card again and my transaction took two days more because if that

  • Aleksandar says:

    I see a lot of bad reviews but for me works fine. At least in Spain the support its ok, they answer fast and help you. It could be better but it’s not as bad as i see in the comment section. I have withdrawn money already and all works fine.

  • Winston says:

    XTB supports honest cooperation. No hidden fees or unilateral actions.

  • John says:

    Very helpful

  • Annette says:

    I believe the company can be more proactive in their customers service response and also i can see many negative feedback on forums such as slow withdrawal of amounts from the accounts. I think the company can improve on these points.

  • John says:

    I always receive good customer support! I am very satisfied!

  • Ronoleg says:

    Unlike other brokers’ MT4 running simultaneously on my computers, MT4 freezes during active markets, which is certainly unacceptable.

  • Simon says:

    well i think your service was not bad i did not have any problems with u guys when i needed your help you responded in time eaven i did not last in the game but i think your servise was no bad at all

  • Transino says:

    true price action.

  • ATBIN says:

    Ecn account have a lot of delay to put order and close order. I suggest ic market have like a dma server with their fast execution and fast closed order.

  • Massimo says:

    Good Broker. Good assistance. various methods to deposit. Just to bank transfer 20 aud commission…Could you take a little less? Anyaway everything good.

  • Sphesihle, says:

    I requested a withdrawal of $300 yesterday and apparently it was cancelled..I already withdrew 200% from the method I used to deposit so im trying to use wire transfer..

  • Floog says:

    Very responsive,efficient and customer centric.You can do more in terms of making transaction easy for customers in Africa.Withdrawal is always cumbersome.

  • Thomas says:

    Helpful and trustworthy

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