United Kingdom



United Kingdom,Poland
1:30 | 1:200| 1:500
from 10 USD
As low as 0.3 pips
250+ financial instruments, over 50 currency pairs, CFDs on Cryptocurrencies, Spot metal, Shares, Commodities and Indices.
Proprietary platform xStation
Funding methods:

Credit cards, Bank wire transfers, E-wallets (Neteller, Skrill, Alfa-Click, WebMoney, Western Union, Dotpay, Yandex money, Qiwi wallet, Bitcoin via Skrill, and counting)

Review Summary

XTB is one of the most recognizable CFD brokers in the world. The broker, which was established in 2002, serves over 581,000 retail investors. Traders on XTB have access to CFD and real stocks and ETFs for UK and most EU traders. The broker offers a smooth experience when opening an account and convenient deposit and withdrawal options. XTB also supports forex and cryptocurrency trading.


XTB is renowned for charging lower fees than traditional fees. The reason for this is that as an online broker, they do not need to charge brokerage fees. That makes XTB a great platform for retail traders who make multiple daily trades.

ON XTB, the two broad categories of fees are trading and non-trading. Trading fees are charged on trades made when one buys stocks, CFDs, or ETFs. They can be a commission, spread on financing rate. A commission fee can be either fixed or based on the trading volume. Spread is the price difference between the buy and sell price. Finally, the financing rate is when traders hold a leverage position overnight.

When using a Professional Account, there is a commission of $3.50 per lot, excluding Equity CFDs, ETF CFDs, and crypto. For crypto, the fee will depend on the particular cryptocurrency being traded. It applies to 1 Lot of BITCOIN, 10 lots of ETHEREUM, 10000 lots of RIPPLE, 100 lots of LITECOIN, and 10 lots of DASH. On the Islamic account, the commission charged is 10 USD for opening and closing, excluding Equity CFDs and ETF CFDs. There is a $4 commission on CFDs from different cryptocurrencies by volume. For BTC, it is 1, while for Ripple, it is 10,000.

There is also a commission charged on turnover on the ITA.40, ITA.40., ITA.40., and ITA.40+ trading instruments. The minimum is 0.25 EUR for trades below 2,500 EUR, and the maximum is 200 EUR for trades above 1 million EUR.

Stock CFDs and ETF CDFs attract zero commission on the transaction value. However, there is a 0.30% markup included in the spread. Fees deducted on the dividend due to the client range from 0-30% depending on the particular Stock CFD and ETF CFD.

Non-trading fees are fees not related to trading. These are fees charged for the trading account’s operation. They can be deposit and withdrawal fees or an inactivity fee. On XTB, the main non-trading fee is the inactivity fee. If the customer has not traded within the last 365 days and has not made a deposit within the past 90 days, a fee of 10 EUR is charged.

For all account types, the monthly maintenance fee is zero or up to 10 EUR. When withdrawing funds of less than 50 USD, there is a 30 USD fee on each withdrawal for all account types. XTB also charges a 1.5% commission on all withdrawals via a credit card. The commission is set at 1% when withdrawing via Skrill or Neteller. There is also a transfer fee of 1%-2% when using Safety Pay, Skrill, or Neteller. Deposits made using Ngan Luong and Expay are free.

In general, XTB fees are significantly lower than the competition. However, traders should read the terms and conditions of each instrument to ensure they understand all fees they will pay, which could affect their profitability.

Regulation and Fund security

XTB is regulated by numerous tier-1 regulators globally. These regulators provide recourse and consumer protection via reimbursement schemes if XTB goes into insolvency. The broker complies with all rules set by the regulators, which it has to maintain to retain its licenses. The UK FCA, the Cyprus CySEC, the FSCA, the Polish KPWiG, the Dubai DFSA, the Dubai DIFC, the Mercado CNMV, the Polish KNF, and the Belize IFSC regulate XTB. It has offices in London and Poland. Additionally, it is publicly listed on the Warsaw stock exchange.

Account Types

On XTB, the main account types are the standard, swap-free, and demo accounts. Both standard and swap-free accounts offer access to over 2200 instruments in Forex, Commodities, Indices, Cryptos, Stock CFDs, and ETF CFDs. The main difference is that the standard account offers a minimum spread of 0.5, while the swap-free account offers a minimum spread of 0.7. A demo account allows traders to test the platform’s features without risking any real funds.

Investment Products/Trading instruments

XTD traders have access to a range of products. Traders have access to over 2200 instruments, including Forex, Commodities, Indices, Cryptos, Stock CFDs, and ETF CFDs. XTB offers a wide range of crypto CFDs for those wishing to trade in the crypto markets.

Investment Products/Trading instruments

XTB supports trading in forex, metals, cryptoсurrencies, energies, stocks, and indices. There are 97 currency pairs and 34 cryptocurrency pairs. For equity traders, there are 98 blue-chip stocks listed, 13 commodities, and 10 indices. For non-forex traders using strategies with fewer lots and highly liquid trading, such as scalpers, there are numerous trading instruments to meet their needs.

Trading Platforms

The XTB broker uses an award-winning platform called xStation. The platform comes as a web platform or as a mobile app. It is designed to cater to new and experienced traders globally. The proprietary xStation platform features a clean design with several unique features. They include streaming news, a predefined watch list, an economic calendar, top movers, and client sentiment. The mobile xStation platform also has an integrated video platform that offers webinar-style content with numerous videos that are over an hour long.

One of the unique features of xStation is the charting tool. It features 30 drawing tools and 39 technical indicators. The charts also come with a countdown timer that shows the time remaining for each candlestick. Additionally, economic news releases appear along the bottom axis, which gives traders insight into impactful economic events.

xStation is a web platform, a mobile app, and a desktop app. All three platforms have similar capabilities. The mobile app is available for both iOS and mobile android devices.

Webinar, seminars, educational material

XTB is committed to helping traders be more effective. As such, they ensure all users have access to material that helps them become experts at using all the broker’s tools. XTB has material to help traders develop a strategy considering various risk management techniques such as diversification, stop-loss orders, and position sizing.

XTB also has learning material to help traders hone their analytical skills. The material helps them think logically and systematically when navigating the markets. On XTB, traders will find over 150 lessons to help traders succeed. The online courses include various investment areas, with input from market professionals and analysts. XTB offers these lessons in over 12 languages.

Another innovation by XTB is Investing Day. Its goal is to ensure traders have access to a dedicated live stream to access instructional resources from experienced traders and experts in the financial markets. Additionally, XTB often posts articles on its blog that cover risk management strategies, technical analysis, and portfolio diversification. Additionally, XTB has created a course called the Investing Master course.

All learning material XTB offers can be accessed via their xStation mobile app, on the desktop, or on the desktop app. The material is offered free upon signing up.

Customer Support

Customer support on XTB is quite extensive. It is offered in multiple languages, which include English, Spanish, Chinese, German, Italian, French, Czech, Portuguese, Polish, Slovenian, Turkish, and Romanian.

The support offered is of the highest quality, including live chat, phone, and email support. XTB’s customer support team is quite responsive, and all issues are resolved to finality. Email support is quite fast, with responses taking as little as 2 minutes. For more complex issues, email support will respond within 3 hours. Phone support is offered 24/5 and in multiple languages.

Active Bonus and Promotions

XTB offers new customers outside the EU, UK, and MENA a welcome bonus. Due to regulations, customers in the EU, UK, and MENA cannot receive the bonus. The welcome bonus is 50% of the first deposit for those who trade the minimum lots of 15% of the first deposit within 60 days of opening the account. To qualify for the bonus, customers need to deposit an equivalent of at least 100 USD.

How to open an account

Opening an account is a straightforward process. Since XTB is a regulated broker, you must comply with various KYC and AML requirements. During the account opening process, you will be asked to provide a scanned copy of an identity document, such as an ID or driving license. Additionally, you will need a utility bill or a bank statement from the past three months.

If you plan to use a debit or credit card, you must provide a front and back copy of the card. During the process, you can mask the CVV code. Additionally, you will be asked to answer basic compliance questions. Within around 5 minutes, you will have completed the sign-up process.

 Once you have completed the process, it could take a few days for the account to be approved. That means you must complete the KYC process quickly to avoid delays. Several other documents may be requested during the confirmation process, which you should provide.


XTB broker has been around for over 21 years. During that time, it has earned a reputation as a trusted and reliable online broker globally. The platform offers low fees to traders, and its xStation platform is extremely easy to use by newbies and experienced traders. Based on this, XTB would be a good option for anyone looking to enter the world of online trading.