XTB Rated 4/5

XTB Guide - Read our In Depth 2021 XTB Review

XTB is one of the most regulated trusted brokers out there, offering traders some of the most competitive spreads offered by any broker. XTB have one of the most feature rich online trading platforms combined with low fees and a large range of tradable financial instruments on global markets all around the world make XTB a good choice for active traders in need of the most modern tools and resources.

This XTB review was written by industry experts with over 20 years of financial experience in Forex, CFDs, Cryptocurrency.
The content in this XTB review does not apply to US users.

Benefits of Trading with XTB

XTB Review 2021 Quick Summary
💰 Min Deposit No minimum deposit
👱‍♂️ Used By 250,000 XTB users and traders
📆 Founded 2002
🌍 HQ Poland
👮‍♂️ Regulation Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG)
🚫 Excluded Countries XTB is not available in the following countries : US, AU, CA, JP, KR, KP, SG, MU, IL, TR, IN, PK, BA, ET, UG, CU, SY, BD, NG, ID, BE, LY, MO, KE, YE, VU, GY, CD, CG, AF, LA, MZ, IQ, IR

Open XTB's Website

77% 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.


learn more Learn more about XTB.
77% 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.

XTB Promotions

  • XTB Offer 30% cashback rebates and 50% welcome bonuses for International clients
  • XTB International Up to 30% Lower Spreads group discounts for EU clients (loyalty offer)

What is XTB?

XTB are a global online financial trading platform and multi asset broker founded in 2002

Over 19 years later XTB has grown to offering retail investors Forex trading, CFDs trading, and Cryptocurrency trading.

XTB are a global broker. XTB have a head office in Poland.

XTB have a listed stock symbol. This means that XTB have publically listed and you can officially buy shares in XTB on one of the worlds global stock market exchanges.

When trading in the financial markets it can be very time consuming to find a broker that meets your needs.

We will dive deep in this XTB review and assess how well the XTB platform functions in its role as an international multiple financial asset trading platform for traders in 2021.

Often you have to visit and read many broker websites all of which have different uses of language. The wording can be very confusing. Choosing an online broker like XTB can be difficult. For a beginner, the first few hurdles can come in the form of what appears to be a complex mobile or online trading platform, hard to understand investment terminology and confusing fee structures. In our review of XTB we breakdown the pros and cons. What XTB are able to offer, what countries XTB are available in. Who XTB are regulated by and more.

XTB Review Screenshot

Having a reliable and capable broker is crucial to your success in online trading. Make sure that your broker is not fake or unreliable to avoid losing your investment. Ensure that your needs fit the profile of your broker as well, in order for you to have a good working profitable relationship.

This is why we have taken the time to review only the best brokerage firms, their practices, their fee structure and all other important aspects. We want you to evaluate and analyse and trust your hard-earned cash with only the safest and best of brokers. We hope you find this XTB review useful.

This review of the XTB platform is very detailed. If you are interested in trading with XTB in any capacity please take the time to read and research the whole XTB review.

We have tried to explain the ins and outs of financial trading through the XTB platform as plainly as possible so that you the trader are as informed as possible before you start to use the XTB trading tools and depositing and withdrawing funds from XTB.

XTB are reputable enough to have a wikipedia page link. Wikipedia content is highly moderated for accuracy. It is very hard to get a Wikipedia page.
Open XTB's Wikipedia page

Investing online can be just as risky as any other kind of offline investment. As with any investment, it is important to know and research the company you are dealing with. When trading financial assets with XTB like Forex trading, CFDs trading, and Cryptocurrency trading. you should have confidence in XTB and know that the management of your financial investments on the XTB platform are in good hands.

At the bottom of this XTB review you can also learn about some pretty good alternatives to XTB

With this XTB review we hope to help you see if XTB is a good fit for you.

It is a common myth that online trading is confusing. It is only difficult for people who have not done the research. In this article, you will learn important information regarding XTB that will help you get off to a good start in the world of online trading.

XTB Review Table of Contents

XTB review
XTB is a Multi-Assets Trading Platform with over 4000+ Assets

Learn more about XTB. XTB is a multi asset platform with 4000+ tradable Assets. Assets available on XTB include Forex, CFDs, Cryptocurrency.

XTB trades in multiple financial asset types. An asset in financial investment, is any security or asset, tangible or intangible, that has a financial value attached. This means that Forex, CFDs, Cryptocurrency are considered financial assets.

Features of XTB

XTB review
What you should know

XTB offer three ways to trade: Forex, CFDs, Cryptocurrency.

With XTB you will need a minimum deposit of $0. You can sign up for a demo account to acquaint yourself with XTB platform.

XTB are able to accommodate various levels of traders whether you are experienced or a beginner.

Are XTB safe?

When choosing a broker like XTB the administrative body and regulatory status of the broker is very important. Brokers who conduct trades without supervision of a regulatory body do so at their own discretion. Any capital you invest is at risk.

Established in 2002, and in operation for 19 years XTB have a head office in Poland.

XTB is regulated. This means XTB are supervised by and is checked for conduct by the Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) regulatory bodies.

Regulated brokers will not manipulate market prices. When you send in a withdrawal request to XTB, this will be honored. If XTB violate any regulatory rules their regulated status could be stripped.

77% 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.

Is my money safe with XTB?

Any payments funded to XTB accounts by traders are held in a segregated bank account.

For added security XTB use tier-1 banks for this. Tier 1 is the official measure of a banks financial health and strength.

What are Tier 1 banks and why should XTB use them?

A Tier 1 bank is considered the safest and most secure regarding client capital. Tier 1 is actually a term describing the financial strength of a bank. A Tier 1 bank has strong core capital reserves and financial regulators utilize tier one banks because they are able to withstand unexpected financial losses.

What does it mean to have your funds in XTB deposited in a Tier 1 bank?

Having any money you deposit with XTB means that your funds are safe in a bank that has enough capital to accommodate your withdrawal wishes even if XTB goes out of business for some reason.

Therefore, we can safely conclude that XTB is secure and safe.

That said, please note that you can lose funds when trading in financial assets. Accounts can lose money due to either not putting enough effort into researching the markets, lack of experience or not using the tools provided by the brokerage platform.

While trading in financial investments, losing money rapidly due to trading Forex, CFDs, Cryptocurrency is not uncommon. Only take the risk of trading when you understand that your invested capital is at risk any time due to market volatility. XTB also clearly state on their platform that 77% 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. .

Now that we have answered some important questions regrding XTB. let us look at the XTB features in more detail.

Try creating two accounts when you are working with XTB. One is the real account, with your real money and the other is your demo account. The demo account is your experimental account.

Open a demo account Visit XTB

77% 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.

Full disclosure: We may receive a commission if you sign up with a broker using one of our links.

How XTB as a Company Compare Against Other Brokers

Broker XTB eToro IC Markets AvaTrade
Year Established 2002 2007 2007 2006
Head Office Poland Cyprus, UK Australia The British Virgin Islands
Regulation Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), Markets In Financial Instruments Directive (MiFID), Australian Securities and Investments Commission (ASIC) Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), Cyprus Securities and Exchange Commission (CySEC) Central Bank of Ireland, Australian Securities and Investments Commission (ASIC), Financial Services Authority (FSA), South African Financial Sector Conduct Authority (FSCA), Financial Stability Board (FSB), Abu Dhabi Global Markets (ADGM), Financial Regulatory Services Authority (FRSA), British Virgin Islands Financial Services Commission (BVI)
Used By 250,000+ XTB users 20,000,000+ eToro users 180,000+ IC Markets users 200,000+ AvaTrade users
Negative balance protection Yes Yes Yes No
Guaranteed Stop Loss No No No No
Learn More Visit XTB Visit eToro Visit IC Markets Visit AvaTrade
Risk Warning 77% 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. 67% of retail investor accounts lose money when trading CFDs with this provider. Losses can exceed deposits 72% of retail investor accounts lose money when trading CFDs with this provider

XTB review
XTB Pros and Cons

What we like about XTB

  • Used by over 250,000 XTB users and traders
  • Established in 2002
  • Regulated by Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG)
  • XTB international is regulated by Belize International Financial Services Commission under license number IFSC/60/413/TS/17.
  • X-Trade Brokers DM SA is authorized by the Polish Securities and Exchange Commission under license number DDM-M-4021-57-1/2005 and supervised by Polish Financial Supervision Authority (Komisja Nadzoru Finansowego).
  • XTB Spain is regulated by the Comisión Nacional del Mercado de Valores under license number 40.
  • XTB is in the process of getting a license for its South Africa Entity and UAE
  • Min. deposit from $0

What we don't like about XTB

XTB review
XTB Regulation and Licensing in more detail

We have checked and XTB is regulated and supervised by reputable organisations. You are able to check every XTB supervisory and regulatory body given below. Regulation gives you some recourse for those who have issues with XTB. Regulatory authorities protect the traders with things like reimbursement schemes that regain the client's investment in the event the broker becomes insolvent.

The brokerage firms have to comply with a variety of rules and criteria for license approval, this is determined by the recognized international authority with the intention to provide secure trading and stay licensed. The whole notion of regulation is to protect XTB traders and provide a safe trading environment. Financial regulation and license approval is essential.

  • Financial Conduct Authority (FCA)
  • FCA number FRN 522157
  • Cyprus Securities and Exchange Commission (CySEC)
  • CySEC Licence Number: 169/12
  • Comisión Nacional del Mercado de Valores
  • Komisja Nadzoru Finansowego
  • Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19
  • Polish Securities and Exchange Commission (KPWiG)
  • XTB Limited in the UK is authorised and regulated by the FCA for XTB UK clients in the United kingdom, XTB CYPRUS is authorised and regulated by CySEC for European EU residents, XTB International Ltd manages non European Union residents. Canadian residents using the XTB platform fall under XTB FR which is part of the XTB Group. XTB have a positive review from the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego). XTB UK have their United Kingdom head office at One Canada Square, Canary Wharf, E14 5AA, London, United Kingdom.

XTB is regulated, governed and supervised by reputable financial regulatory bodies and has offices in 13 countries including XTB Limited in London. Regulatory bodies monitor the behavior of the brokers and if things go wrong they will take necessary action. Before trading online with a broker such as XTB you should be sure they're legitimate online agent.

You can learn more about the XTB (X-Trade Brokers DM SA) Warsaw stock exchange listing here.

Is XTB Global?

Yes, XTB is global as XTB is available in over 187 countries.

XTB is a global trading platform in the sense that it operates in 187 countries including nations in Europe, Asia, and Africa. Major countries XTB covers include the UK, Germany, South Africa, Thailand, and China. As per its Wikipedia page, XTB has a total of more than 250,000 users. Commendable figures from XTB.

XTB review
XTB Awards

XTB have won numerious industry awards over the 19 years they have been operating as a financial broker. We list the most notible awards and mentions for XTB below.

  • Wealth & Finance Global Excellence Awards Highest rated Forex and CFD Broker of 2018
  • M&A Today Global Awards 2018 Winner
  • M&A Today Global Awards 2019 Winner
  • Online Personal Wealth Awards 2016 Winner
  • Good Money Guide Best Crypto Broker 2018 Winner
  • Best Islamic Broker M&A Today 2018
  • Positively mentioned by Forbes.com
  • Positively mentioned by Bloomberg.com

XTB review
XTB Fees Explained

  • XTB withdrawal fees varies on payment method
  • XTB does charge a fee for inactive accounts.
  • XTB doesn't charge deposit fees.

Brokers offer state of the art online trading platforms, mobile trading apps, financial research tools and educational resources. For a brokerage to maintain these services and earn revenue as a company. Brokers may charge clients various trading fees that you need to be aware of as they may affect your bottom line.

How XTB Fees Compare Against Other Brokers

Broker XTB eToro IC Markets AvaTrade
Min Deposit 0 200 200 250
Withdrawal Fees varies Yes No No
Inactivity Fees Yes Yes No No
Deposit Fees No No Varies No
CFD Commission Fees Yes Yes Yes No

XTB Fees

Lately, XTB fees are a popular topic among traders. The primary reason is due to the fact that their charges for trading are lower than the traditional brokers. Before we proceed to understanding the details of XTB fees, let us delve into why online brokers are cheaper than traditional brokers.

Most online brokers do not charge brokerage fees. If not, they charge far less than traditional brokers. This is perfect for traders who like to trade multiple times a day or a week.

Why do online brokers charge lower fees than traditional brokers? From a technical standpoint, online brokers are able to scale up their businesses vastly. Therefore, the number of clients does not make much difference and they are able to quote lower or no fees for clients.

Brokers make money by charging fees of various rates for various processes. We will discuss in this in detail in the following sections:

Trading Fees - This is the fee that is incurred on an actual trade. For example, if a trader buys stocks or ETFs of Microsoft, he needs to pay a commission, spread, or financing rate. These three differ from each other. The commission is charged either at a fixed rate or is based on the traded volume. Spread is simply the price difference between the buy and sell price of the product. The financing rate or overnight rate is charged when a trader holds a leveraged position overnight.

Non-Trading Fees - These fees are not related to trading. These are charged for the operations of the trading account, such as depositing money in a trading account, withdrawing money, or for the inactivity of an account.

XTB Fees Explained

In order to understand XTB fees better, let us compare their fees with other online brokers like eToro and IG. The benchmark fee for trading Apple stocks with XTB is $17.9, $31.9 for IG, and $5.4 for eToro. Similarly, the benchmark fee for trading Vodafone stocks with XTB is $19.3, and $25.7 with IG. As for the Forex, the benchmark fee for EUR/USD trading with XTB is $14.8, $16.8 for IG, and $16 for eToro.

XTB Fees in detail

We list the XTB fees in detail below. The below XTB fee table data was collected from this XTB Fees PDF June 12th 2020.

XTB General Fees

If there is no opening or closing of the position on the Customers account within the last 365 days and no cash deposit within the last 90 days, a fee of EUR 10 is charged. In the absence of sufficient funds, a fee is charged in the amount of free funds remaining on the Customers account. Before the fee is collected, the amounts are converted into the currency of the account.

  XTB Fees
Monthly Fee for maintaining an Account Free of charge or up to 10 EUR
Commission for withdrawal of funds from the Cash Account in the amount lower than 100 EUR 10 Eur
Fee for a preparation and sending of a daily report of operations conducted on the Client’s Account, in a paper form.25 EURFee for a preparation a 25 Eur
Fee for Preparation and sending of other reports 75 Eur
Fee for transfer on Cash Accounts made via credit or Debit Card

EUR - Free

HUF - Free

USD - Free

Each case of daily reports in paper form 50 EUR (Daily)
Each case of Key Information documents in paper form 50 Eur
Statement of stored instruments and cash in paper form 50 Eur
Value of interests on clients funds due to XTB in accordance with point 4.20 of the GTC Average Annual interests rate is between 0% and 2%

XTB Cryptocurrency CFD Fees

Please note that the FCA in the UK now restricts and bans trading on Cryptocurrency CFDs. Below are the XTB commissions for transaction on CFDs based oncrypto-currencies by volume. The commission is for a transaction on a Professional Account for opening and closing 3, 5 EUR for 1 lot Excluding Stock CFD, ETF CFD and cryptocurrencies.

Instrument XTB Commission Volume
Bitcoin 3, 5 Eur 1
Bitcoin 3, 5 Eur 1
Ethereum 3, 5 Eur 10
Ripple 3, 5 Eur 10000
Litecoin 3, 5 Eur 100
Dash 3, 5 Eur 10
EtherClassic 3, 5 Eur 100
BitcoinCash 3, 5 Eur 10
EOS 3, 5 Eur 1000
Stellar 3, 5 Eur 10000
ADABTC 3, 5 Eur 10
BCHBTC 3, 5 Eur 1
DSHBTC 3, 5 Eur 1
EOSBTC 3, 5 Eur 1
ETHBTC 3, 5 Eur 1
OTBTC 3, 5 Eur 1
LTCBTC 3, 5 Eur 1
TRXBTC 3, 5 Eur 1
XLMBTC 3, 5 Eur 1
XMRBTC 3, 5 Eur 1
XRPBTC 3, 5 Eur 1
NEOBTC 3, 5 Eur 1
XEMBTC 3, 5 Eur 1
ZECBTC 3, 5 Eur 1
EOSETH 3, 5 Eur 10
TRXETH 3, 5 Eur 10

XTB Commission for ITA.40, ITA.40., ITA.40., ITA.40+ and ITA40.cash Instruments

The Fixed fee is related to the notional transaction value, according to the below XTB fee table. The Fee resulted from the FTT tax is deducted the next working day after the day when the Transaction was executed.

Transaction Value XTB Fee
0-2500 EUR 0,25 EUR
2500 - 5000 EUR 0,5 EUR
5000 - 10000 EUR 1 EUR
10000 - 50000 EUR 5 EUR
50000 - 100000 EUR 10 EUR
100000 - 500000 EUR 50 EUR
500000 - 1000000 EUR 100 EUR
over 1000000 EUR 200 EUR

XTB Fees and Commissions for Stock CFDs and ETF CFDs

Market XTB Commission per transaction XTB Fee deducted from the equivalent of the dividend due to the Client on particular market
Stock CFDs UK 0,08% of the transaction value, minimum 8 EUR 0%
Stock CFDs UK International 0,08% of the transaction value, minimum 10 USD 15%
Stock CFDs Portugal 0,08% of the transaction value, minimum 8 EUR 25%
Stock CFDs Spain 0,08% of the transaction value, minimum 8 EUR 21%
Stock CFDs Germany 0,08% of the transaction value, minimum 8 EUR 26.375%
Stock CFDs Czech Republic 0,25% of the transaction value, minimum 300 CZK 15%
Stock CFDs France 0,08% of the transaction value, minimum 8 EUR 28%
Stock CFDs Italy 0,08% of the transaction value, minimum 8 EUR 26%
Stock CFDs Switzerland 0,08% of the transaction value, minimum 8 EUR 35%
Stock CFDs Netherlands 0,08% of the transaction value, minimum 8 EUR 15%
Stock CFDs Belgium 0,08% of the transaction value, minimum 8 EUR 30%
Stock CFDs Denmark 0,08% of the transaction value, minimum 8 EUR 27%
Stock CFDs Finland 0,08% of the transaction value, minimum 8 EUR 20%
Stock CFDs Norway 0,08% of the transaction value, minimum 8 EUR 25%
Stock CFDs Sweden 0,08% of the transaction value, minimum 8 EUR 30%
Stock CFDs Europe 0,08% of the transaction value, minimum 8 EUR 30%
Stock CFDs US 0,08% of the transaction value, minimum 8 USD 30%

XTB fees shall be converted to the currency in which Account is kept according to XTB Exchange Rate at the moment of transaction execution.

XTB is booking on the Client’s Account the equivalent of the dividend reduced by the fee.

XTB Fees resulted from the Italian FTT tax is calculated on the next working day after the day of the transaction execution.

Other costs connected with XTB transactions e.g. Spreads, Margin, swap points or other commissions and fees, which the Client shall pay to XTB are described are available on the XTB website

The above outlines the trading fees. Now, let us discuss the financing rates or the overnight rates.

The financing rate for Apple CFD is 4.5% for XTB, 4.4% for IG, and 8.3% for eToro. Similarly, the Vodafone CFD financing rate for Vodafone is the same at 3.2% for both XTB and IG. Also, the EUR/USD and EUR/GBP financing rates for XTB are 3.4% and 1.9% respectively. The two currency pairs are charged at 4.1% by IG, and 3.7% by eToro.

Let us now have a look at the non-trading XTB fees. IG and eToro do not charge an inactivity fee and account fee. At the same time, XTB and IG do not charge a withdrawal fee while eToro charges at $5 fee.

What is a XTB Deposit Fee?

Fees paid to transfer funds from a bank, credit/debit card, or wallet to a trading account is called a deposit fee. Most brokers do not charge a fee for depositing funds to a trading account.

What is a XTB Withdrawal Fee?

Charges incurred from withdrawing money from a trading account to a bank account, credit/debit card, or electronic wallet is known as a withdrawal fee. Several brokers charge a withdrawal fee. However, XTB fees do not charge a withdrawal fee.

What is an XTB Inactivity Fee?

If an account is left inactive for a specified period, a fee is charged and this is known as an inactivity fee. XTB charges 10 euros per month if an account is left untouched for one year and no deposit made within the last 90 days. IG charges $12 per month if an account is left inactive for two years. Similarly, eToro charges $10 per month if no trading is done for one year.

XTB Fees Conclusion

XTB fees are considerably low. Therefore, most traders prefer trading with XTB if they trade multiple times a day or week. Those who are new to trading should take advantage of the lower fees charged by online brokers like XTB and deal with them over traditional brokers.

However, traders are recommended to read the terms and conditions before striking a deal. This is so as there may be non-trading fees incurred that you are unaware of. Make sure that you do not incur extra charges that might reduce your profit.

XTB Minimum Deposit

XTB do not require a minimum desposit when opening a XTB trading account.

Brokers that offer lower minimum deposits are generally geared towards a more mainstream audience that do not require some of the more advanced features and research tools.

Brokers that do not charge minimum deposits do so usually to attract new customers. They have to make some way, so transaction commissions and other trading fees may be higher with a low minimum deposit account.

Brokers that require a larger minimum deposit amount usually offer a greater range of trading features on their platforms. These brokers often have more in depth technical analysis and research tools and better risk management features.

As more and more online trading platforms have entered the market, minimum deposit requirements to open a live trading account have gone down as an increasing number of brokers compete for new clients.

Depending on the type of trading account you opt for some brokers require a minimum deposit as high as 6500 GBP/USD. Some brokers can go as high as 10,000 GBP/USD.

XTB Withdrawal Fees

XTB withdrawal fees vary depending on your selected withdrawal payment method.

Each broker has their own specific withdrawal rules on how your funds can be withdrawn from your trading accounts.

This is because each brokerage firm will have different withdrawal methods and each payment provider may have differing transfer processing fees, processing times and a potential currency conversion fee. The Conversion fee is dependant on your base currency, your recieving currency, your payment provider.

XTB for example allow you to withdraw your funds to Credit cards, MasterCard, Maestro, Visa, Debit cards, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, Skrill, Poli, Paysafe, Payoneer.

XTB Inactivity Fees

XTB does charge a fee for inactive accounts. XTB will charge customers 10 Euro a month after 12 consecutive months on inactivity.

An account inactivity fee is a fee charged to the registered brokerage client.

Brokers may have certain trading activity requirements that under the terms and conditions of the accounts, clients may have to fulfill.

If a clients trading account dues not have any buying and selling over a period of time as dictated by the broker an inactivity fee may be due.

Inactivity fees are not specific to online trading accounts. Many financial service companies may charge inactivity fees. Please check on the brokers website and make sure you are aware of and are happy with all the services and fees you may be charged.

If you are no longer using your trading account close it with the brokers customer support. And make sure you have a confirmation that any remaining fees are not due.

Depending on the type of account you have signed up for you can only be charged an inactivity fee under certain circumstances. As part of a brokers regulation they are required to clearly disclose any inactivity fees.

Some brokerage firms may charge inactivity fees as compensation for maintaining your account on their expensive trading platforms, in an attempt to claw back revenue for the lack of commission fees from your trading.

XTB Desposit Fees

XTB does not charge deposit fees. Although bank / 3rd party merchant fees may apply.

You must always review deposit fees as some brokers may charge a fee when you deposit funds from your payment method to your trading account. This is because the payment method which you use to fund your account may accrue a fee. The fee may be a fixed fee when you deposit a specific fiat currency to your account. For example fees are known to be high when depositing funds from a credit card. This is if your broker accepts funding your account via a credit card.

XTB Commission Fees

XTB does charge commission on CFD instruments.

A broker may charge a commission fee as a service charge for facilitating the buying and selling of financial assets through your trading account.

A brokerage may make most of their revenue from charging registered traders a commission fee on client transactions.

Commission fees can differ depending on the trading type, financial asset type and what level of trading account you have.

Broker commissions are charged if the brokerage fulfills an order, cancels an order or modifies and order on your behalf.

If a market order is not fulfilled by your brokerage usually no commission is charged.

Be aware that if your order is modified or canceled, your brokerage may charge a commission fee.

XTB review
What can you trade with XTB?

Be aware that Different entities under XTB Brand offer different trading instruments due to regulatory restrictions. Trading instruments offered may differ based on the country of residence of the Client.

You can trade a wide variety of instruments with XTB over 4000 instruments infact.

If you are looking for Forex brokers to trade currency pairs on global Forex markets XTB offer over 57 currency pairs.

Compare XTB with eToro and IC Markets below.

77% 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.

How XTB Trading Options Compare Against Other Brokers

Broker XTB eToro IC Markets AvaTrade
Instruments Available 4000 2000 232 1000
Platforms MT4, Mirror Trader, Web Trader, Tablet & Mobile apps Web Trader, Tablet & Mobile apps MT4, MT5, Mirror Trader, ZuluTrade, Web Trader, cTrader, Mac Web Trader, MT4, MT5, AvaTradeGo, AvaOptions, Mac, Mobile Apps, ZuluTrade, DupliTrade, MQL5
FX / Currencies        
Forex pairs offered 57 50 65 80
Major Forex pairs Yes Yes Yes Yes
Minor Forex pairs Yes Yes Yes Yes
Exotic Forex pairs Yes Yes Yes Yes
Cryptocurrencies (availability subject to regulation) Yes Yes Yes Yes
Commodity CFDs        
Commodities Offered 21 31 19 16
Metals Yes Yes Yes Yes
Energies Yes Yes Yes Yes
Agricultural Yes Yes Yes Yes
Indiced & Stock CFDs        
Stocks Offered 1696 2042 110 99
UK Shares Yes Yes Yes Yes
US Shares Yes Yes Yes Yes
German Shares Yes Yes Yes Yes
Japanese Shares Yes Yes Yes Yes
Risk Warning Visit XTB
77% 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.
Visit eToro
67% of retail investor accounts lose money when trading CFDs with this provider.
Visit IC Markets
Losses can exceed deposits
Visit AvaTrade
72% of retail investor accounts lose money when trading CFDs with this provider

XTB review
Trading on XTB web platforms and other applications

XTB offer two platforms including their award-winning Xstation5, you can learn more about this platform here

XTB also offer mobile apps, for iOS and Android making it easier to keep an eye on and execute your trades while you’re on the move. The XTB mobile application gives traders full access to all of the XTB trading services and 1500 global financial markets. The XTB mobile applications are in no way cut down versions.

XTB offer the popular MT4 forex trading platform. To see a list of the top MT4 brokers, see our comparison of MT4 brokers.

XTB also offer mobile apps, for Android and iOS making it easier to keep an eye on and execute your trades while you’re on the move.

See XTB's platforms

XTB review
Forex Trading on XTB

XTB is a one of the most popular Forex brokers out there and offers traders some of the best award winning Forex trading platforms available with competitive low spreads starting at 0.1 pips on over 57 currency pairs. XTB allows traders to use advanced Forex research tools in a choice of secure and safe trading platforms. Micro lot Forex trading is also available at XTB. XTB Forex trading platforms are designed to be accessible and intuitive for new and more experienced traders on financial markets.

XTB offers comprehensive Forex trading tools offering advanced filterable charting tools and realtime data on the XTB xStation, xStation mobile and XTB MT4 trading platforms and XTB should be on your Forex broker shortlist.

XTB allows Forex brokers access to global markets and offers a good range of spreads and commissions suitable for the high volume trader. XTB is a Forex broker that offers their clients a comprehensive range of Forex trader tools and Forex educational resources suitable for every level of trader.

XTB review
Available Forex Pairs on XTB

XTB offers the most popular Forex pairs by volume including Major Forex pairs, Minor Forex pairs and Exotic Forex pairs. We list the full list of 57 available tradable Forex pairs on the XTB trading platform. Learn more about XTB xStation and XTB MT4 further below.

  • AUDCAD
  • AUDCHF
  • AUDJPY
  • AUDNZD
  • AUDUSD
  • CADCHF
  • CADJPY
  • CHFHUF
  • CHFJPY
  • CHFPLN
  • EURAUD
  • EURCAD
  • EURCHF
  • EURCNH
  • EURCZK
  • EURGBP
  • EURHUF
  • EURJPY
  • EURMXN
  • EURNOK
  • EURNZD
  • EURPLN
  • EURRON
  • EURRUB
  • EURSEK
  • EURTRY
  • EURUSD
  • EURZAR
  • GBPAUD
  • GBPCAD
  • GBPCHF
  • GBPJPY
  • GBPMXN
  • GBPNZD
  • GBPPLN
  • GBPUSD
  • GBPZAR
  • NZDCAD
  • NZDCHF
  • NZDJPY
  • NZDUSD
  • USDBRL
  • USDCAD
  • USDCHF
  • USDCLP
  • USDCNH
  • USDCZK
  • USDHUF
  • USDJPY
  • USDMXN
  • USDNOK
  • USDPLN
  • USDRON
  • USDRUB
  • USDSEK
  • USDTRY
  • USDZAR

XTB review
Crypto Trading XTB

XTB Review Cryptocurrency Trading

XTB offer trading in 25 of the highest traded by volume, most popular cryptocurrencies. This includes the buying and selling of 9 individual crypto coins and 16 crytocurrency pairs. The XTB platforms gives traders to highly liquid crypto markets 24 hours a day, 6 days a week. All cryptocurrencies are available in pairs against the USD, Bitcoin and Ethereum.

XTB also offer crypto CFD trading against all of the 25 cryptocurrencies XTB offer. CFD cryptocurrency trading is restricted by the FCA in the United Kingdom as CFD trades are considered high risk. So the availability of CFD cryptocurrency trading on the XTB platforms will be dependant on your regulatory body.

Please note the below XTB crypto values are subject to change and were taken from the XTB xStation platform.

Values may also differ on the XTB MT4 platform. Please check the correct values on the XTB website.

Crypto Nominal Value of One Lot Min Spread Target Spread Leverage / Margin Swap point Long / Short Trading Hours
ADABTC CARDANO 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -20.000 / -20.000 24 h from Saturday 4:00 am to Friday 10:00 pm
BCHBTC BITCOIN CASH 10 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
BITCOIN 0 1% of market price 1-1.5% market price 1:2 (50%) -30.000 / -10.000 0
BITCOINCASH BITCOIN CASH ABC 1 1% of market price 1-1.5% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
DASH 0 2% of market price 2-2.5% market price 1:2 (50%) -30.000 / -10.000 0
DSHBTC DASH 10 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
EOS EOS 1 1% of market price 1-1.5% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
EOSBTC EOS 1000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
EOSETH EOS 100 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
ETHBTC ETHEREUM 10 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
ETHERCLASSIC ETHEREUM CLASSIC 1 2% of market price 2-2.5% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
ETHEREUM 0 2% of market price 2-2.5% market price 1:2 (50%) -30.000 / -10.000 0
IOTABTC MIOTA 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -30.000 / -30.000 24 h from Saturday 4:00 am to Friday 10:00 pm
LITECOIN 0 2% of market price 2-2.5% market price 1:2 (50%) -30.000 / -10.000 0
LTCBTC LITECOIN 100 2% of market price 2-2.5% market price 1:2 (50%) -20.000 / -20.000 24 h from Saturday 4:00 am to Friday 10:00 pm
NEOBTC NEO 100 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
RIPPLE 0 2% of market price 2-2.5% market price 1:2 (50%) -30.000 / -10.000 0
STELLAR STELLAR 1 2% of market price 2-2.5% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
TRXBTC TRON 100000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
TRXETH TRON 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
XEMBTC NEM 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
XLMBTC STELLAR 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
XMRBTC MONERO 10 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
XRPBTC RIPPLE 10000 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm
ZECBTC ZCASH 10 0.5% of market price 0.5-1% market price 1:2 (50%) -15.000 / -15.000 24 h from Saturday 4:00 am to Friday 10:00 pm

XTB review
XTB Minimum Transaction Size

XTB support new and very experienced traders. The minimum trade size and transaction volume requirements start at a minimum of 0.01 per lot. Please note these below values are subject to change and must be checked on the XTB website. We list some examples below taken from the XTB website.

  • Standard flight (for example: 6 flights)
  • Mini lot (for example: 0.3 lot)
  • Micro flight (for example: 0.01 lot)

Is the XTB Trading Platform Secure?

XTB safeguards the personal information of its clients through SSL encryption in its PC and mobile platforms. XTB also urges its clients through its web platform to always look for the SSL security sign (a lock sign) o the browser while operating XTB.

XTB Trading Platform Options

Once you have logged into your XTB account you will see the below trading platform options available to you.

  • XTB xStation 5
  • MetaTrader 4 (MT4)

XTB does not offer the MetaTrader 5 (MT5) trading platform. If you are looking for a online platform that does support MT5 click here

XTB does not offer the cTrader trading platform. You can find a broker that supports cTrader here

Lets explore each of these trading platforms in detail and what options XTB gives you.

XTB review
XTB xStation 5

XTB xStation

The team at XTB have listened to the needs of modern traders and have spent years honing their own very feature rich trading platform that is now xStation 5. XTB xStation is a complete trading system.

XTB xStation 5 Trading Tools

Trading Research on xStation 5

The xStation 5 offers a great range of useful trading research tools and educational resources.

xStation 5 is designed to be accessible on multiple devices including through a xStation 5 web app, a xStation 5 desktop app available for both 32 bit and 64 bit desktop PC computers and an xStation 5 mobile app available on IOS Apple mobile devices and mobile Android devices.

XTB xStation 5 Market Analysis

Experienced traders need quality information on the financial markets they are trading and the trading tools that make this information easy to analyse and interpret. XTB xStation 5 has allot of really great market analysis tools that help traders understand and spot trading opportunities.

XTB xStation market analysis

XTB xStation 5 Charting tools

Charts are how traders monitor the financial markets and their open positions. Being able to easily view and understand up to date charts are essential. Being able to customise trading charting tools can improve a traders workflow.

XTB xStation is totally customisable and XTB offers a good selection of how to’s and tutorials so that traders can easily manipulate the XTB xStation 5 charting tools to their needs.

XTB xStation was designed to be intuitive to use and fully customisable, allowing you to create a trading screen that's suited to your trading style. In this comprehensive tutorial, you can find out exactly how you can customise the appearance of xStation 5 to meet your needs.

The XTB xStation charting tools are totally customisable including the appearance, UI, technical analysis data and workspaces can be customised from the floating toolbars. If you are looking at multiple financial instruments its easy to group related financial assets into different grouped screens and workspaces. Charts can be added and replaced by simply dragging and dropping withing the XTB xStation platform. The xStation window layout can easily be changed to a grid, fullscreen, vertical or horizontal layout in a few clicks.

XTB xStation charts

XTB xStation charting tools

XTB xStation 5 Trade Position monitoring

XTB xStation 5 allows traders to monitor all of their trading activities on the xStation 5 platform including some of the trading features below.

  • Monitor Open positions on XTB xStation 5
  • Monitor Pending orders on XTB xStation 5
  • Monitor Trading account history on XTB xStation 5
  • Monitor Cash operations on XTB xStation 5
  • Monitor Overall balance on XTB xStation 5
  • Monitor Equity on XTB xStation 5
  • Monitor Margin details on XTB xStation 5

XTB xStation 5 Open Positions

The XTB xStation 5 platform gives traders all of the data they need to monitor their open positions including the below.

  • Position: name of traded instruments and number
  • Type: here you can have ‘Buy’ for long position, ‘Sell’ for short position
  • Volume: the amount of lots
  • Time: this is the time at which the position was opened
  • Open price: price at which the position was opened
  • SL/TP: stop loss and take profit levels if set
  • Market price: the current price of traded instruments
  • Commission: cost of opening the position if charged
  • Swap: charged or added swaps points
  • Profit: the current position profit/loss

XTB xStation 5 Calendar Tools

Ask any experienced trader and they will tell you that being able to understand economic calendars and their data can make or break your trading. Being up to date with current or upcoming events have an effect on global financial markets. The XTB xStation 5 calendar tools allows traders to stay on top of market events. The XTB xStation 5 calendar tools helps traders organise their trading activity for the week.

XTB xStation 5 calendar tools helps traders to see potential market volatility.

XTB xStation calendar

XTB xStation 5 Heatmaps

The XTV xStation 5 heatmaps allow traders to quickly judge the highest and lowest gaining financial assets across many set time periods. Traders can quickly understand that the stronger the gain the greener a financial asset is, the greater the loss the heatmap will be more red. For equities and stocks the blocks are larger depending on the market capitalisation on that equity or stock. The heatmap criteria can be changed using the simple XTB xStation 5 filters. Traders use the XTB xstation heatmaps to speculate on financial market trends.

XTB xStation heatmaps

XTB xStation 5 Forex Heatmaps

XTB xStation Forex heatmaps

XTB xStation 5 Market Sentiment

The XTB xStation 5 platform has a market analysis tool that allows you to see a graphical percentage representation of the market sentiment on a multitude of financial assets.

The XTB xStation 5 tool allows traders to see how the sentiment positive or negative of 250,000 plus XTB traders from all over the world. Traders can quickly see the percentage of long or short positions on selected financial instruments using the easy to access filters and search.

XTB xStation market sentiment

XTB xStation 5 News

Being aware of what is going on in the world is essential to the success of a traders investment strategy. Most traders utilize multiple news sources to keep on top of current world events and investment news. XTB offer traders easy access to market news to help improve a traders workflow.

You can see an example of the market news available on the XTB xStation 5 platform here.

XTB xStation news

XTB xStation 5 Price Alerts

An important feature of the XTB xStation 5 platform is the ability to set trading price alerts based on specific criteria. XTB xStation 5 can be set to automatically send financial market pricing information to traders when certain levels are met. This allows traders to keep up to date with market movements without having to constantly manually monitor financial instrument prices. The XTB xStation 5 platform supports SMS and push price alert notifications.

XTB xStation 5 price alerts can easily be added, modified and removed all from the XTB xStation platform.

XTB xStation price alerts

XTB xStation 5 Stock Scanners

The XTB xStation 5 trading platform has an inbuilt stock screener feature. The XTB xStation 5 stock screen allows traders to filter CFD stocks by certain criteria including industry, country, earnings per share, market capitalisation, price to earnings ratio, return on equity and dividend yields. This tool can be quiet powerful if you are interested in trading CFD stocks as you can do things like filter technology stocks that offer a dividend.

XTB xStation stock scanners

Placing Orders on XTB xStation 5

You can use the following order types on the XTB xStation 5 trading platform.

  • Market: Market orders are orders to buy or sell a financial instrument.
  • Limit: Limit orders allow traders to buy and sell a financial instrument at set prices. A buy limit order buys the instrument at the set price or lower. The sell limit order sells the order at the limit price or higher.
  • Stop: Stop orders are used to limit loss. Stop orders are executed when a financial asset is a specified price.
  • Trailing stop: Trailing stops limit loss and can help lock in profits when trading. A trailing stop sets the stop order price at specified trailing amount below the financial instrument price.

No Automated Trading with XTB xStation 5

One feature that the XTB xStation 5 platform does lack is it xStations 5 lack of support for automated trading. If you wish to use automated trading or back testing strategies as part of your trading activity you should consider the XTB MT4 trading platform or consider a XTB alternative. If you want to use trading tools like expert advisors use a broker that supports MT4.

XTB xStation 5 Educational Resources

As you can see from the xStation 5 screenshot below you have a good amount of trading educational videos available directly from the XTB xStation 5 dashboard.

XTB has a trading academy with trading lessons aimed at traders at all levels. Beginner, intermediate and expert traders will all find something to learn from. These trading lessions are constantly being updated and added too. Most of the currently available XTB Educational resources are aimed at more beginner and intermediate level traders.

XTB xStation education

XTB review
XTB MetaTrader 4 (MT4)

XTB MetaTrader 4

MetaTrader 4 also known as MT4 is the number one trading platform on the planet and has been in active use on financial markets since 2005. The MetaTrader 4 software delivers a feature-rich, user-friendly interface and an extremely customisable trading environment, designed to ful fill all of your trading needs and boost your trading performance. Charting functionality and advanced order management tools make certain you could monitor your positions quickly and economically.

Understand that the MetaTrader 4 (MT4) trading platform was developed primarily to trade Forex but you can also trade other types of financial instruments through CFDs and Spread Betting. You will not be able to trade Stocks, Indices, Commodities, ETFs, Futures on any MetaTrader 4 (MT4) platform unless they are CFD contracts or Spread bets. You will not own any underlying assets with CFDs or Spread bets as you are speculating on price movements with XTB. You can learn more about the MT4 Platform here.

You can start using the MetaTrader 4 platform with XTB in multiple formats including through an online web platform, Through a downloadable application for Windows PC's and Apple Macintosh computers. XTB MetaTrader 4 is compatible with the latest macOS Mojave. XTB allows traders to trade on mobile devices through Android and IOS devices like the iPhone.

Metatrader 4 Webtrader on XTB

MetaTrader 4 is the most popular trading platform in the world as most and more traders begin to trade online Metatrader 4 is available as a web based application available through your web browser. MetaTrader 4 web software provides the same easy to use performance as the desktop version using advanced charting, a highly customisable trading environment, easy to access online trading tools and many different indicators. You can enjoy our Raw Pricing trading environment without a Dealing Desk from anywhere in the world.

Trade XTB MetaTrader 4 on IOS Devices

You can download the XTB app or also trade with XTB through the MetaTrader 4 application on the Apple app store.

Download the Metaquotes MetaTrader 4 Program for free of charge from Apple's App Store. XTB customers have instant access to this Financial markets, with the ability to completely manage a Portfolio on the go.

Trade XTB MetaTrader 4 on Android Devices

Andorid mobile devices and tablets are used by millions of people globally. XTB provides its clients access to the MetaTrader 4 platform on Android supported devices so that customers can monitor the financial marketplace and trade directly from their Android-based Smartphones and tablets. The Android XTB MetaTrader 4 Android application enable traders to make the most of multiple advanced trading features which enables them to monitor and trade Forex quickly on the go, simply and securely.

Trade XTB MetaTrader 4 Trading Central

Trading Centrals Alpha Generation Indicators is a Bundle of three Major indicators including:

  • Analyst Perspectives - A go-to resource for leadership and key levels.
  • Adaptive Candlesticks - Identifies chart patterns which illustrate important changes in demand and supply.
  • Adaptive Divergence Convergence (ADC) - Much like MACD however useful at shorter lengths and provides more timely signs.

XTB MetaTrader 4 Advanced Trading Tools

The XTB advanced trading tools for MetaTrader 4 are aimed at improving the total trading experience and providing traders with a competitive advantage. XTB offers access to 20 exclusive tools which includes feature rich trade execution & management programs, sophisticated notification alarms, messaging facilities, innovative market data & more.

Trade XTB MetaTrader 4 MultiTerminal

MetaTrader 4 MultiTerminal provides a intuitive easy to use dashboard where traders can administer and supervise several trading accounts. MultiTerminal will let you manage over 100 Accounts simultaneously allowing you to place market orders, pending orders, view live market prices and track all accounts and equity at real time. All Trading accounts must be in on the same MetaTrader server. MultiTerminal doesn't support Automated Trading scripts like Expert Advisors.

XTB MetaTrader 4 AutoChartist

XTB Autochartist provides the world's first Market Scanner available for MT4 using a non-trading Expert Advisor script. Scan markets for trading opportunities while viewing all symbols and time intervals from a single graph. Gone are the days of launching a lot of graphs on which you can't remember which currency you're taking a look at. Autochartist offers a simple user interface that can be customized to suite how you like to trade.

XTB Trading benefits

  • Allows scalping
  • Allows hedging
  • Offers STP
  • Low min deposit
  • Offers Negative Balance Protection

XTB Group Offers

Below we give an overview on the account types that XTB offer. Whatever you are looking to trade the varying XTB account types will be able to provide you with what you need.

  • Pro account
  • Demo account
  • Micro account
  • Mini account
  • Standard account
  • STP account
  • Islamic account

Can I try XTB before I buy?

XTB offer a demo account so you can try before putting down funding payments. Open a practice account & learn to trade

77% 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.

XTB withdrawal and funding methods

Please note that the list of XTB payment methods below depend on the XTB Entity and the Clients Country of Residence.

All available XTB payment methods available to you can be found in your XTB members area checked on the XTB website.

XTB offer the below funding payment methods. You can use any of the below deposit options if available in your region. learn more about XTB

XTB Payment Methods

  • XTB accepts Credit cards
  • XTB accepts MasterCard
  • XTB accepts Maestro
  • XTB accepts Visa
  • XTB accepts Debit cards
  • XTB accepts Bank Transfer
  • XTB accepts Electronic wallets (eWallets)
  • XTB accepts PayPal
  • XTB accepts Neteller
  • XTB accepts Skrill
  • XTB accepts Poli
  • XTB accepts Paysafe
  • XTB accepts Payoneer
Broker XTB eToro IC Markets AvaTrade
Bank transfer Yes Yes Yes Yes
Credit Cards Yes Yes Yes Yes
Paypal Yes Yes Yes Yes
Skrill Yes Yes Yes No
Payoneer Yes Yes No Yes
Neteller Yes Yes Yes Yes

*please note available XTB and other broker payment methods depend on the clients country of residence.

How can I start trading with XTB?

When opening a trading account with XTB, you will need to sign up here. Once you have received your login details by email, submitted your identification documents for account validation, and made a deposit; the next step is to download the trading platform of your choice. You can find detailed guidance on XTB trading platforms here. You will need to provide some basic documentation to prove your identity as part of XTB onboarding and normal KYC identity checks. These checks are standard practice and help XTB provide a safe financial environment for their 250,000 users.

77% 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.

Performing trades with XTB

XTB allow you to execute a minimum of trade of 0.01 Lot. This may vary depending on the account you open. XTB allow you to execute a maxium trade of 100 Lot. As XTB offer STP execution, you can expect tighter spreads with more transparency over the price you‘re paying to execute your trades.

XTB are one of very few brokers that claim to have no requotes, so you don't have to worry about slippage (your trades being ordered at a different price to what you executed them at).

As with most brokers, margin requirements do vary depending on the instruments.

XTB also offers a number of useful risk management features, such as stop losses (with trailing stops), limit orders, negative balance protection, price alerts, and much more. You can see all of the account features offered by XTB here.

CFD Trading on XTB

let's take a look at some of the basics of using XTB leverage.

XTB offer CFD which are a leveraged product for this example we describe ten times leverage.

So you have a ten thousand dollar position but you only tie up a thousand dollars a tenth of the value on your account. You have a situation where a small sum of money is controlling a much bigger financial position. This is your leverage.

So what effect does leverage have on your profits and losses well put simply it magnifies them in both directions.

XTB leverage magnifies both profits and losses when trading.

Let's say for example you buy ten thousand dollars worth of General Electric (GE) using contracts for difference ( CFDs ) using the XTB trading platform.

let's say General Electric (GE) rises 10% because its results are positive your position which was worth ten thousand dollars is now worth $11,000.

It's grown by $1000 10% in value this represents a hundred percent increase on the funds initially committed on your leverage CFD trade.

Our initital investment of ten thousand dollars for the trade and has made a thousand dollars in profit because the price is up ten percent.

The XTB leverage goes both ways. If General Electric (GE) Falls 10% on week results your position which was worth ten thousand dollars is now worth only nine thousand dollars. It has fallen by a thousand dollars.

XTB CFDs are typically used for short to medium term trades. For example XTB intraday CFD trading. Although high risk because CFD trades are separate from the financial markets, a CFD trade can be more flexible than a traditional market trade where you own the underlying asset. CFD trades give access to CFD fractional shares, CFD international markets and CFD short selling. More advanced traders can also use CFDs to hedge.

Always be aware that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% 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.

Limiting Your Risk When Trading with XTB Negative Balance Protection

We should say something about negative balance protection with XTB. When trading using leverage an adverse move could result in losing more than your trading account balance at XTB. If your broker is regulated by the FCA Negative Balance Protection should be set in place by your broker as standard. Your XTB account could potentially become negative. We recommend you making use of negative balance protection. Using negative balance protection ensures your losses will always be limited to the current balance of the money in your account.

Limit Risk When Trading with XTB Stop Loss, XTB Stop Limit Orders

A stop-loss order is an order placed with a broker like XTB to buy or sell once the stock reaches a certain price. A stop-loss is designed to limit a traders loss on a security position.

Most traders need to use stop losses to protect themselves from huge risk unless the trade is hedged against another trade or the trader is not using leverage. Circumstances differ depending on the trade and the markets.

Education resources at XTB

To trade effectively with XTB, it's important to get a have a good understanding of the XTB trading tools and the markets. Make sure you make full use of all education tools. This includes eduction tools with XTB and externally.

XTB offer a good selection of educational resources. Take your time, learn how the financial markets move. Take the time to learn how your trading platform works. Make buy and sell trades, learn how to take advantage of global trading times and most importantly learn how to mitigate and manage investing risk.

Having an analytical approach may be a good way to approach trading with XTB.

Take time to look around the XTB platforms and train yourself to think more systematically and logically about the markets. It's a new skill-set for many, but it is what the market requires of you.

XTB also offer a really informative course called the "Investing Master" course.

If you are based in Europe you can sign up for the training course with Lee Sanford here.

If you are based outside of Europe you can sign up for the training course with Karen Foo here.

Investing Masters with Karen Foo from XTB.

XTB offer a Live Streaming Global Online Masterclass. Its many hours of Trading education that you can sign up for free for, it is useful for all types of traders.

Learn more about The oil market with XTB

Customer Support at XTB

As part of our XTB review we review customer service options, response times and XTB trading platform problem resolution effectiveness.XTB support a wide range of languages including English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish.

XTB have a triple AAA grade support and customer service rating because they offer a wide range of languages, live chat, email and phone support.

XTB customer service support multiple languages from all over the world. Having a broker that can hire people from various locations in the world who can better communicate with you in your local language is a huge advantage well trying to deal with issues.

Your customer service experience with XTB has to be a positive one for you to effectively trade the financial markets on the XTB platform. XTB should make sure all of your questions are answered and your XTB platform issues solved. When a XTB customer has any queries regarding XTB the XTB customer support team should take these issues seriously and offer a quick and effective solution. XTB have a great client support team, which is why we have rated their customer service highly.

Livechat Support at XTB

We tested the XTB live chat and it works well. We sent messages to XTB livechat through their app and website and recieved a response within 3 minutes. Its important you test the XTB chat service yourself. a responsive chat service from XTB gives a great support experience to XTB chat service users. Its much better than waiting days for an email.

We tested communicating with XTB support in multiple languages in multiple countries. The XTB help center where able to quickly resolve our customer issues.

Email Support at XTB

We sent several emails to XTB and answer times overall were excellent. The fastest response from XTB was less than 2 minutes and the slowest response was 3 hours. Support response times may vary for you with XTB, but this was our experience sending 10 emails at varying times.

The team resolved and answered our queries. Overall very good email support from XTB.

Phone Support at XTB

We called XTB and the call was answered very quickly. The call was answered in less than 1 minutes.

The XTB phone support team were able to successfuly answer our questions and issues over the phone. We tested the multilingual XTB team by calling in varying languages. XTB made an effort to make sure our queries were answered.

Overall great phone support from XTB.

See how XTB Support Compares Against Other Brokers

Broker XTB eToro IC Markets AvaTrade
Support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
Languages English, Spanish, Czech, Chinese, German, French, Italian, Polish, Portuguese, Romanian, Slovenian, and Turkish English, German, Spanish, French, Italian English, Japanese, Chinese, Polish, Afrikans, Danish, Dutch, German and more English, Italian, German, French, Greek, and Hebrew
Learn More Visit XTB Visit eToro Visit IC Markets Visit AvaTrade
Risk Warning 77% 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. 67% of retail investor accounts lose money when trading CFDs with this provider. Losses can exceed deposits 72% of retail investor accounts lose money when trading CFDs with this provider

What you will need to open an account with XTB

As XTB is regulated by Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG), every new client must pass a few basic compliance checks to ensure that you understand the risks of trading and are allowed to trade. When you open an account, you'll likely be asked for the following, so it's good to have these handy:

Be aware that the expiration date of Proof of address document for different entities under XTB Brand may be different.

  • A scanned colour copy of your passport, driving license or national ID
  • A utility bill or bank statement from the past three months showing your address

You'll also need to answer a few basic compliance questions to confirm how much trading experience you have, so it's best to put aside at least 3 minutes or so to complete the account opening process.

While you might be able to explore XTB's platform straight away, it's important to note that you won't be able to make any trades until you pass compliance, which can take up to several days, depending on your situation.

To start the process of opening an account with XTB you can visit the XTB trading platform here.

CFDs are leveraged products and can result in the loss of your capital. All trading involves risk. Only risk capital you're prepared to lose. Past performance does not guarantee future results.
This post is for educational purposes and should not be considered as investment advice. All information collected from https://www.xtb.com on July 31, 2021.

José Mourinho XTB Brand Ambassador

XTB has signed José Mourinho, world renowned former footballer and famous sports trainer, as its brand ambassador.

José Mourinho is one of the worlds most famous Football team managers having managed some of the most important and successful football teams such as Manchester United, Chelsea, Real Madrid and Inter Milan. With the help of José Mourinho these teams have all won major international titles.

XTB Brand Ambassador José Mourinho

Watch this XTB Explainer Video

Is XTB A Good Broker?

We spent over 3 months examining XTB in depth. Although XTB are not perfect we found many really useful aspects with the overall offering from XTB. Our personal experience of trading with XTB was very good. Weighing up many points XTB is a good broker.

  • XTB have a good track record of offering Forex, CFDs, Cryptocurrency.
  • XTB has a history of over 19 years.
  • XTB has a reasonable sized customer support of at least 10.
  • XTB are regulated by the Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG). This means XTB fall under regulation from a jurisdiction that can hold a broker responsible for its misgivings; or at best play an arbitration role in case of bigger disputes.
  • XTB have regulation from Tier 1 reputable regulators.
  • XTB has the ability to get deposits and withdrawals processed within 2 to 3 days. This is important when withdrawing funds.
  • XTB have an international presence in multiple countries. This includes local XTB seminars and training.
  • XTB are able to hire people from various locations in the world who can better communicate in your local language.

XTB Risk Disclosure

77% 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.

Trading Risk Disclaimer

Trading financial instruments including crpytocurrency and foreign currency markets come with a very high level of risk. In regards to leverage and margin based trading you will be exposed to a high risk of loss. Some financial instruments and derivatives that are off exchange may offer varying leverage and may have limited regulatory protection and high market volatility. It should never be presumed that any investment products, techniques, indicators or any other presented resources will result in profits. You should be aware that investing may result in financial loss.

XTB not quite right?

If after reading this XTB review, XTB does not fulfill your needs check out these XTB Alternatives.

Click here to view the best XTB Alternatives

We have spent years researching the best alternatives to XTB. Click the links below to learn more.

If you feel some of the above XTB are not quiet what you are looking for or perhaps you would just like to see some alternatives. See our highly rated list of XTB alternatives below.

Related XTB Vs Comparisons

We have covered allot in this XTB review, If you want to see how XTB compares side by side with other brokers check out our XTB Vs pages.

If you would like to see how XTB stands up against other brokers you can read some of our XTB comparisons below. We compare side by side some of our top rated XTB versus comparisons. Read our indepth XTB VS pages below.

XTB review
XTB Frequently Asked Questions

Read our detailed XTB FAQ Section updated for 2021.

Can I try XTB before I buy?

XTB offer a demo account so you can try the XTB platform with virtual trading before you put down a payment. Virtual trading with XTB is zero risk. Learn more here

What funding methods do XTB accept?

Please note that the list of payment methods below depend on the XTB Entity and the Clients Country of Residence.

XTB offer the following funding payment methods Credit cards, MasterCard, Maestro, Visa, Debit cards, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, Skrill, Poli, Paysafe, Payoneer, among other payment methods.
Learn more here

77% 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.

Is XTB safe?

XTB are considered safe as they are regulated by and checked for conduct by the Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG). Any payments funded to XTB accounts by traders are held in a segregated bank account. For added security XTB use tier-1 banks for this. Tier 1 is the official measure of a banks financial health and strength.

77% 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.

Is XTB trading good?

XTB is considered good and reputable to trade with XTB. XTB is used by over 250,000 active traders and XTB users. XTB offers Forex trading, CFDs trading, and Cryptocurrency trading. Minimum deposit with XTB is 0.

Is XTB trading Legit?

XTB was founded in Poland in 2002. XTB has been facilitating trade on the financial markets for over 19 years. XTB offers clients Forex trading, CFDs trading, and Cryptocurrency trading. All funds deposited to XTB are held in segregated tier 1 bank accounts for security. XTB is regulated by Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) so can be considered legit.

Is XTB a good broker?

XTB is overseen by the top tier financial regulators Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG) so can be considered a good broker. XTB allows Forex trading, CFDs trading, and Cryptocurrency trading.

Is XTB trustworthy broker?

XTB can be considered trustworthy. All money funded to XTB is placed into a segregated tier 1 bank account. this means your money in not held by XTB directly by a tier 1 bank. The broker has no direct access to your funds so cannot misappropriate your money. Also XTB is regulated by Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG).

What is the minimum deposit for XTB?

The minimum deposit to trade with XTB is 0.

How long do XTB withdrawals take?

Withdrawing money from XTB processing time varies but averages 2-5 days.

Is XTB regulated?

XTB is regulated by the Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG). Regulatory bodies conduct regular reviews and audits as part of XTB maintaining their regulatory status. You can learn more about these reviews on the regulator websites.

Is XTB a market maker?

XTB is a market maker. Stocks, currency and other commodities and instruments will be purchased by XTB even if no buyer is lined up.

How can I start trading with XTB?

When opening a trading account with XTB, you will need to sign up here. Once you have received your login details by email, submitted your identification documents for account validation, and made a deposit; the next step is to download the trading platform of your choice. You can find detailed guidance on XTB trading platforms here.

Is my money safe with XTB?

XTB is regulated by the Financial Conduct Authority (FCA), FCA number FRN 522157, Cyprus Securities and Exchange Commission (CySEC), CySEC Licence Number: 169/12, Comisión Nacional del Mercado de Valores, Komisja Nadzoru Finansowego, Belize International Financial Services Commission (IFSC) under license number IFSC/60/413/TS/19, Polish Securities and Exchange Commission (KPWiG). One of the most important criteria for traders when choosing a broker like XTB is the regulatory body and regulatory status of the broker. Brokers who conduct business without regulation do so at their own discretion and pose a direct risk to the security of their clients money.

Regulated brokers will not manipulate market prices. When you send in a withdrawal request to XTB, this will be honored. If they violate any regulatory rules their regulated status can be stripped.

Is XTB a con?

XTB is regulated and well established having been in business for over 19 years. XTB is definitely not a con.

Can you make money with XTB?

Although traders have had great success with XTB. Trading on the financial markets with XTB is not a get rich scheme. If you educate yourself, practise with a demo account and carefully plan your trading your chance of success will greatly increase. Never trade with money you cannot afford to lose. 77% 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. .

Does XTB have fees?

XTB withdrawal fees varies on payment method.XTB does charge a fee for inactive accounts. XTB doesn't charge deposit fees.

When was XTB founded?

XTB was founded in 2002.

How many people use XTB?

XTB is used by over 250,000 registered XTB users.

What is XTB Headquarters country?

XTB has its head quarters office in Poland.

Does XTB offer negative balance protection?

XTB offers negative balance protection. With Negative balance protection means traders cannot lose more money than they have deposited.

Does XTB offer guaranteed stop loss?

XTB does not offer guaranteed stop loss. With guaranteed stop loss protection risk is managed. Traders are guarenteed to close your trade at your specified price. Stop Loss orders are guaranteed only during market hours and under normal trading conditions.

Does XTB allow scalping?

XTB offers scalping.

Does XTB allow hedging?

XTB offers hedging.

Does XTB offer CFD trading?

XTB offers CFD trading.

Does XTB offer STP?

XTB offers STP trading.

How many people use XTB?

XTB is used by over 250000 XTB users and traders.

Is XTB an ECN broker?

XTB does not offer ECN trading.

Does XTB offer a demo account?

XTB offers a demo account.

Does XTB offer an Islamic account?

XTB offers a Islamic accounts.

What are the funding methods for XTB?

Please note that funding methods and funding options available with XTB can be found in the XTB Members area and depend on the XTB client’s country of residence. Please check your specific available payment methods on the XTB website. XTB accept the following funding methods : Credit cards, MasterCard, Maestro, Visa, Debit cards, Bank Transfer, Electronic wallets (eWallets), PayPal, Neteller, Skrill, Poli, Paysafe, Payoneer.

XTB review written by Andrew Blumer and Mark Hansen

We hope you found our review of the XTB brokerage firm useful.

This article was written by our financial editor Mark Hansen and Andrew Blumer.

Mark was previously of the Kiel Insitute and has worked with financial organisations across Europe, Australia, South East Asia, South Africa and the Middle East. Mark has over 15 years experience in financial analysis, forecasting, financial modeling idenifying new market opportunities in Stocks, CFD's, Forex and Commodities.

Andrew has a well-established career in fintech and came up with comparebrokers.co to make trading on financial markets more transparent and accessible.

Whether you want to trade Forex, Stocks, Commodities or Indices we will help you find the best online broker for you from 400+ brokers for clients based in the UK, Europe, Asia, South Africa and Australia.

XTB review written by Mark Hansen of Comparebrokers.co