Min $10

Add your review
76-85% of retail CFD accounts lose money.
Add to compare
9.3/10 (Expert Score)
Product is rated as #3 in category CFD Brokers
This XTB review gives you all the key facts you need to decide if it’s the right platform for your money. Brought to you by Brokerage Compare.
Commissions & Fees
Offering of Investments
Platforms & Tools
Customer Service
  • Min deposit: $10
  • Max Leverage: 1:30
  • Tradable Assets: 2,000+
  • Deposit Options: Credit/Debit card, Bank transfer, Electronic wallets
  • 4 account base currencies
  • Platforms: Web Trader, Mobile App, Desktop Trader, MetaTrader 4
  • Customer Support: 24/5 chat, email, phone
  • Regulated by FCA, CySEC, IFSC
  • Languages Supported: 19
  • High stock CFD fees
  • No 24/7 support
  • $10 monthly fee after 12 months of inactivity

XTB Review

XTB is an experienced stock exchange-listed Forex and CFD broker. It was founded in 2002 by Jakub Zabłocki and it’s since grown with offices in 13 countries, including the UK, Germany and Poland, nearly 200,000 customers and a market capitalisation of $546M. XTB is publicly traded in the Warsaw Stock Exchange.

XTB Fees Review

  • Low stock index CFD fees
  • Low Forex fees

  • $10 per month after 12 months of inactivity

CFD Fees

Stock index CFD trading fees are low but stock CFD fees are high on XTB. E.g., for a $1,000 long position held for a week, the fees are:

S&P 500 index CFD feeEurope 50 index CFD feeApple CFD fee

Forex Fees

Forex trading fees are low on XTB. E.g., for a $10,000 30:1 long position held for a week, the fees are:


Non-trading Fees

Account FeeDeposit FeeWithdrawal FeeInactivity Fee
$0$0 but 2% fee for electronic wallets$20 on amounts smaller than $100$10 per month after 12 months of inactivity and if no deposit was made in the last 90 days.

Visit XTB

back to menu ↑

XTB Deposits & Withdrawals Review

  • Min deposit $10
  • 4 account base currencies
  • Credit/Debit card, Bank transfer, Electronic wallets

  • You will pay a withdrawal fee if the amount you withdraw is below the threshold
  • 2% deposit fee for electronic wallets

Account Base Currency

When you open an account with XTB, you can choose between 4 currency options: GBP, USD, EUR and HUF. Transactions, including deposits and withdrawals, can be made via debit/credit card, bank transfer and e-wallets.

How long will it take for my deposit to show on XTB?

If you make the deposit over card, either debit or credit, it’s instant. Bank transfers take a few business days.

When will I have access to my money if I withdraw from XTB?

Requests received before 1pm are processed on the same day, otherwise they’re processed on the following day.

What is XTB minimum deposit?

XTB minimum deposit must be at least £10 or $10 or €10 but there are no limitations thereafter.

Can I withdraw any amount?

XTB doesn’t set limits on withdrawals.

Does XTB charge withdrawal fees?

If your withdrawal is below the threshold (60 GBP, 100 USD, 80 EUR or 12000 HUF) you will pay a fee of 12 GBP, 20 USD, 16 EUR or 3000 HUF respectively.

Are there any terms on where I direct any funds I withdraw?

All transactions must be made through bank accounts in your own name. XTB doesn’t accept joint bank accounts, unless the trading account is also joint between the same holders.

Make your First Deposit with XTB

back to menu ↑

XTB Account Types Review

You can easily open an XTB account online, using your email address. Then you get two options: you can either try out the platform with a demo account or you can start trading with either a standard or a Pro live account. The Standard account doesn’t carry a fee but it has wider spreads whereas the Pro account comes with a commission but tighter spreads.

Standard vs Pro

Available InstrumentsForex, Commodities, Indices, Cryptos, Stock CFDs, ETF CFDsForex, Commodities, Indices, Cryptos, Stock CFDs, ETF CFDs
Maximum Leverage30:130:1
Minimum spread0.350.28
Negative Balance ProtectionYesYes
Minimal Order0.01 lot*0.01 lot*
Automated tradingYesYes
Account setupFreeFree
Trading platformsWeb Trader, Mobile App, Desktop Trader, MetaTrader 4Web Trader, Mobile App, Desktop Trader, MetaTrader 4
Account setup & managementFreeFree
Forex, Indices, CommoditiesNo commissionCommission from 3.00 GBP per lot
Stock CFDs and ETF CFDsCommission from 0.08% per lotCommission from 0.08% per lot
CryptocurrenciesNo commissionCommission from 3.00 GBP

Platform Languages

The XTB platform is multilingual with 19 languages: English, Arabic, Russian, Chinese, French, German, Polish, Romanian, Bulgarian, Czech, Hungarian, Italian, Spanish, Portuguese, Slovenian, Turkish, Japanese, Thai, Vietnamese.

Open a Trading Account with XTB

back to menu ↑

XTB Platforms & Assets Review

  • 2,000+ tradable assets
  • Forex, Commodities, Indices, Cryptos, Stock CFDs, ETF CFDs
  • Web trader, Mobile App, Desktop Trader and MetaTrader 4

  • None

When you trade via XTB, you get to choose between two platform options: MetaTrader 4 and xStation5. The latter offers an excellent user experience across web, mobile, tablet and even iOS and Android smartwatches.
Stock CFDs1828

Start CFD Trading with XTB

back to menu ↑

XTB Customer Service Review

  • Phone, email and live chat

  • No 24/7 support

XTB customer service is efficient and available 24 hours but only on weekdays. You can reach them via live chat, phone and email and you’ll also have access to an account manager for any questions related to your account.

back to menu ↑

Is XTB safe?

RegulatorLicenseLegal Entity
Cyprus Securities Exchange Commission (CySEC)169/12XTB Europe
Financial Conduct Authority (FCA)522157XTB U.K
Belize International Financial Services Commission (IFSC)60/413/TS/19XTB International

Is XTB safe?
  • Yes, it is authorised and regulated by the Cyprus Securities and Exchange Commission (CySEC), the UK’s Financial Conduct Authority (FCA) and the Belize International Financial Services Commission (IFSC).

Is there negative balance protection on XTB?
  • Yes, your losses will not exceed your account balance.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76-85% 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.

Trade Safe with XTB

Specification: XTB

Max Leverage 30:1, 200:1 Pro clients
Assets 2,000+
CFDs Forex, Stocks, Commodities, ETFs, Indices
Customer Type Beginners, Experienced Traders
Country/Region UK, Europe, Middle East
Platforms Web Trader, Mobile App, Desktop Trader, MT4 (Not available for UK)
Deposit Options Credit/Debit Cards, Electronic Wallets, Bank Transfer
Regulated by FCA, CySEC, IFSC
Customer Service Phone, Email, Live chat

Videos: XTB

Photos: XTB

Brokerage Compare
Compare items
  • Total (0)