⚠️ Regulatory Warning
BaFin: WARNING ISSUED
BaFin has warned consumers about websites using XTB's name to offer financial services without authorisation. These websites are not associated with XTB and are engaging in identity fraud.
View Official WarningXTB Review 2026
Regulation Status: Verified
24
Level 9, Office 9.12 One Canada Square Canary Wharf London, E14 5AA, UNITED KINGDOM
Market Maker
2 types
Overview
XTB S.A. is a Warsaw-based brokerage firm established in 2002, specializing in trading various financial instruments, including forex and CFDs. By the end of 2024, the company reported serving over 1.36 million clients globally, with 658,500 active traders. XTB is regulated by several authorities, including the UK's Financial Conduct Authority (FCA), the Cyprus Securities and Exchange Commission (CySEC), the Polish Financial Supervision Authority (KNF), the Comisión Nacional del Mercado de Valores (CNMV), and the Dubai Financial Services Authority (DFSA).
The company is listed on the Warsaw Stock Exchange, reflecting its commitment to transparency and financial integrity. XTB offers a proprietary trading platform, xStation 5, known for its user-friendly interface, advanced charting tools, and rapid order execution. The platform has been recognized for its excellence, winning the "Best Trading Platform 2016" award at the Online Personal Wealth Awards.
Additionally, XTB provides access to the widely used MetaTrader 4 (MT4) platform, catering to traders who prefer this established software. The broker offers a diverse range of tradable instruments, including forex, indices, commodities, stocks, ETFs, and cryptocurrencies, allowing traders to diversify their portfolios effectively. XTB's target audience includes both novice and experienced traders seeking a regulated broker with a comprehensive trading platform.
The broker's educational resources, such as the Trading Academy, are particularly beneficial for beginners looking to enhance their trading skills. For seasoned traders, XTB offers advanced tools and a wide array of trading instruments to meet their sophisticated trading needs.
Best For
XTB is an FCA-regulated broker offering a diverse range of instruments, including forex, CFDs, stocks, ETFs, commodities, indices, and cryptocurrencies, suitable for both beginner and professional traders. With platforms like xStation 5 and MT4, XTB caters to various trading styles, including scalping, day trading, and swing trading. The broker provides flexible account types—Standard and Pro—accommodating different trading preferences.
Additionally, XTB's competitive leverage of up to 1:30 and transparent fee structure make it an attractive choice for those interested in forex and CFD trading.
Pros & Cons
Advantages
- Comprehensive Regulatory Oversight: XTB is regulated by multiple reputable authorities, including the UK's Financial Conduct Authority , Cyprus Securities and Exchange Commission , Poland's Financial Supervision Authority , and the Dubai Financial Services Authority . This extensive regulation ensures a secure and trustworthy trading environment for clients.
- Advanced Trading Platforms: XTB offers its proprietary xStation 5 platform, renowned for its user-friendly interface and advanced analytical tools. Additionally, the broker provides access to MetaTrader 4 , catering to traders who prefer this widely-used platform.
- Diverse Range of Tradable Instruments: Clients can trade a wide array of instruments, including Forex, CFDs, stocks, ETFs, commodities, indices, and cryptocurrencies. This diversity allows traders to build a well-rounded portfolio.
- Competitive Trading Conditions: XTB offers spreads starting from 0.5 pips on major currency pairs, providing cost-effective trading opportunities. The broker also offers leverage up to 1:30, aligning with regulatory standards in the UK and EU.
- Educational Resources and Customer Support: XTB provides a wealth of educational materials, such as webinars, tutorials, and market analyses, supporting traders from novice to expert levels. The broker offers responsive customer support available 24/5 through live chat, email, and phone, ensuring assistance is readily available.
- No Minimum Deposit Requirement: XTB allows traders to start with no minimum deposit, making it accessible for beginners to enter the trading world.
- Free Demo Account: The broker offers a free demo account with $100,000 in virtual funds, enabling traders to practice and familiarize themselves with the platform without financial risk.
Disadvantages
- Inactivity Fee: XTB charges an inactivity fee of €10 per month after 12 months of no trading activity, which could be a drawback for occasional traders.
- Limited Platform Support: While XTB offers its proprietary xStation 5 and MT4 platforms, it does not support other popular platforms like MetaTrader 5 , cTrader, or NinjaTrader, which may be a limitation for traders accustomed to these platforms.
- Withdrawal Fees: XTB imposes withdrawal fees for transfers below $100 or €200, which could be inconvenient for traders making smaller withdrawals.
- No Passive Investment Programs: The broker does not offer passive investment programs such as PAMM or MAM accounts, which might be a disadvantage for investors seeking managed account services.
- Limited Availability in Certain Regions: XTB does not accept clients from the United States, which could be a significant limitation for traders based there.
XTB, established in 2002 and headquartered in Warsaw, Poland, is a regulated forex broker committed to ensuring trader safety through comprehensive regulatory oversight and robust compliance standards. The company operates under the supervision of several esteemed financial authorities, including the UK's Financial Conduct Authority (FCA), the Cyprus Securities and Exchange Commission (CySEC), the Polish Financial Supervision Authority (KNF), and the Dubai Financial Services Authority (DFSA). As a licensed broker, XTB adheres to stringent financial regulations that mandate the segregation of client funds.
This practice ensures that traders' deposits are held in separate accounts, distinct from the company's operational funds, thereby safeguarding client assets in the event of the broker's insolvency. For instance, under FCA regulations, XTB is required to hold all client money in segregated client bank accounts, providing an additional layer of protection. In addition to fund segregation, XTB offers negative balance protection, ensuring that traders cannot lose more than their account balance, even in volatile market conditions.
This feature enhances trader safety by preventing debts beyond the deposited funds. Furthermore, XTB participates in compensation schemes such as the Financial Services Compensation Scheme (FSCS) in the UK, which covers eligible clients up to £85,000 in the unlikely event of the broker's failure. XTB's commitment to regulatory compliance and trader protection is further demonstrated by its adherence to the European Union's Markets in Financial Instruments Directive (MiFID II), which sets out harmonized standards for financial markets across member states.
This compliance ensures that XTB operates transparently and fairly, upholding high standards of financial integrity. By maintaining these rigorous compliance standards and regulatory oversight, XTB reinforces its reputation as a secure and trustworthy licensed broker, dedicated to providing a safe trading environment for its clients.
How They Compare
Regulators
Min Deposit
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Frequently Asked Questions
Visit their website and click the "Open Account" button. You'll need to provide personal information, proof of identity, and proof of address. The process typically takes 5-15 minutes, with verification within 24 hours.
The minimum deposit amount is not specified. Please contact their support team for the latest information.
This broker offers xStation 5, MT4. Each platform has different features suited for different trading styles.
Yes, this broker is regulated by FCA, ASIC, CySEC, BaFin. This provides important protection for your deposits and personal information.
Country restrictions are not specified. Please check their website to confirm availability in your location.
Support is available via email, live chat, phone. They also support English, Spanish, Polish, and more.
Data Sources & Provenance
Factual claims on this page are verified against the following primary sources. Each source is checked directly by our editorial team.
Account terms and fees including withdrawal fees above threshold
Official account and fees page
Funding methods: bank transfers, credit and debit cards, PayPal
Official account funding education page
XTB Limited is authorised and regulated by the FCA under FRN 522157
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