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Popularity top broker
Leverage Up to 1:30 for retail clients, up to 1:200 for professional clients
Minimum Deposit $250
Regulation ASIC, CySEC, BaFin, MAS, FCA
Payment Methods Bank Transfer, Credit/Debit Cards, PayPal, Skrill
Trading Assets Forex, Commodities, Indices, Stocks, ETFs, Cryptocurrencies
Spreads Low
Average cost: EUR/USD 0.8 pips
Demo Account
Islamic Account
Copy Trading
Scalping Yes
EAs/Robots Available
Negative Balance Protection Yes
Deposit Fee
Withdrawal Fee
Inactivity Fee $10 per month after 1 year of inactivity
Year Established 2002
Address Ogrodowa 58, 00-876 Warsaw, Poland
Contact Information Email: [email protected], Phone: +48 222 739 976
Mobile Trading APP
Rating ★★★★☆ [4.5]

Pros and Cons

  • Wide range of trading instruments
  • Competitive spreads
  • Robust regulatory framework
  • User-friendly trading platforms
  • Excellent customer support
  • Limited MT5 support
  • Inactivity fee after 1 year
  • No PAMM/MAM accounts
  • ZuluTrade not supported
  • High minimum deposit for some regions


Choosing the right broker is a pivotal step for every trader, whether novice or seasoned.

The brokerage service you select influences not only the quality of your trading experience but also the success of your investment strategy.

Among the plethora of options available, XTB stands out as a prominent player in the online trading world.

This review delves into its intricacies, examining its offerings, platforms, fees, customer service, and much more, to give you a comprehensive understanding of what to expect when trading with this broker.

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Company Overview

XTB, established in 2002, has grown to become one of the leading Forex and CFD brokers globally.

Headquartered in Warsaw, Poland, the company operates in over 13 countries, including the UK, Poland, Germany, and France, under strict regulatory oversight.

XTB is regulated by some of the world’s most reputable financial authorities, including the UK’s Financial Conduct Authority (FCA), the Polish Financial Supervision Authority (KNF), and the Cyprus Securities and Exchange Commission (CySEC).

This regulatory framework ensures the highest standards of security, transparency, and fairness for its clients, safeguarding trader funds in segregated accounts and offering negative balance protection.

Account Types

XTB caters to a diverse clientele by offering a wide array of account types tailored to meet individual trading needs and preferences:

  • Standard Account: Designed for casual traders, the Standard Account features no commission trading, with costs instead embedded in spreads. It provides access to a wide range of instruments, including forex, indices, commodities, stock CFDs, and cryptocurrencies.
  • Pro Account: Aimed at experienced traders, the Pro Account offers tighter spreads in exchange for a commission on trades. This account is suitable for high-volume traders using sophisticated strategies.

Both account types offer leverage (up to 1:30 for retail clients in the EU and up to 1:200 for professional clients), access to educational resources, and full support from their customer service.

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Trading Platforms

XTB provides its clients with two main trading platforms: the award-winning xStation 5 and the industry-renowned MetaTrader 4 (MT4).

Each platform caters to different trader needs and preferences, showcasing its commitment to offering versatile trading solutions.

  • xStation 5: XTB’s flagship platform, xStation 5, is recognized for its user-friendly interface, rapid execution speeds, and comprehensive analytical tools. It is available as a web-based platform, desktop application, and mobile app, ensuring traders can access the markets from anywhere at any time. Key features include advanced charting tools, real-time market commentary, a trader’s calculator, and performance statistics. xStation 5 also provides an equity screener and a heatmap tool to help traders identify market opportunities more efficiently.
  • MetaTrader 4: For traders who prefer a more widely used platform, XTB offers MT4. Known for its robust functionality, MT4 supports automated trading through Expert Advisors (EA), provides advanced technical analysis tools, and allows for detailed back-testing of trading strategies. Although it may lack some intuitive features of xStation 5, MT4 remains a powerful platform for traders looking for in-depth customization and algorithmic trading capabilities.

Both platforms support a wide range of instruments, including forex, commodities, indices, stock CFDs, ETF CFDs, and cryptocurrencies, making them suitable for traders with varied interests and strategies.

Trading Instruments

XTB offers an extensive selection of trading instruments, making it one of the most versatile brokers in the market.

Clients can trade:

  • Forex: Access to over 50 currency pairs, including major, minor, and exotic pairs, with competitive spreads and high liquidity.
  • Indices: Trade some of the world’s most popular indices, such as the S&P 500, DAX, FTSE 100, and more.
  • Commodities: +30 commodities are available for trading, including gold, silver, oil, natural gas, and agricultural products.
  • Stock CFDs & ETFs: Trade CFDs on hundreds of stocks from global markets, including the US, UK, and European markets, as well as a range of ETFs.
  • Cryptocurrencies: XTB supports trading on popular cryptocurrencies such as Bitcoin, Ethereum, Ripple, and more, with competitive spreads and no need for a crypto wallet.

This wide range of instruments allows traders to diversify their portfolios and take advantage of market opportunities across different asset classes.

Fees and Spreads

XTB operates with a transparent fee structure, characterized by competitive spreads and no hidden costs.

The broker offers two main pricing models based on the account type:

  • Standard Account: Traders enjoy commission-free trading, with costs included in the spreads. Spreads start from 0.5 pips for major forex pairs, making it an attractive option for casual traders.
  • Pro Account: This account type provides tighter spreads, starting from 0.1 pips for major forex pairs, but includes a commission per trade. The commission rate is transparent and competitive, designed to accommodate high-volume traders.

In addition to trading fees, it’s important to note that XTB does not charge deposit fees, but withdrawal fees may apply for certain payment methods.

Furthermore, an inactivity fee is charged to accounts that remain inactive for a prolonged period.

The company’s commitment to competitive pricing and transparent fee structures ensures that traders can manage their trading costs effectively, enhancing their potential for profitability.

Leverage and Margin Requirements

XTB offers leverage up to 1:30 for retail clients in the EU and up to 1:200 for professional clients, depending on the instrument and trader’s location.

The use of leverage allows traders to open larger positions with a smaller amount of capital, amplifying both potential profits and losses.

Margin requirements vary by instrument and account type, ensuring that traders have the flexibility to employ leverage according to their risk tolerance and trading strategy.

Payment Methods

XTB supports many payment methods for deposits and withdrawals, including:

  • Bank Wire Transfer
  • Credit/Debit Cards (Visa, MasterCard)
  • E-wallets (PayPal, Skrill)

Deposits are usually processed instantly for credit/debit cards and e-wallets, while bank transfers may take several business days.

Withdrawals are processed swiftly, with most requests fulfilled within 24 hours, though the time it takes for funds to appear in your account will depend on the payment method used.

Customer Support

XTB prides itself on providing exceptional customer support.

Traders can access support services via live chat, email, and telephone.

The support team is available 24/5, offering assistance in multiple languages to cater to their global client base.

The broker also provides a comprehensive FAQ section on its website, addressing common queries and concerns.

Educational Resources

XTB offers an extensive range of educational resources, catering to traders of all levels.

The broker’s Trading Academy includes video tutorials, webinars, and articles covering various trading concepts, strategies, and market analysis techniques.

Additionally, it also provides daily market commentary and analysis to keep traders informed of the latest market developments.

Trading Tools and Resources

Beyond its advanced trading platforms, it offers a suite of powerful trading tools and resources.

These include advanced charting tools, economic calendars, market sentiment indicators, and real-time news feeds.

Such tools are invaluable for conducting thorough market analysis and making informed trading decisions.

Mobile Trading

Their mobile trading applications, available for both xStation 5 and MT4, ensure traders can access the markets anytime, anywhere.

The apps offer full functionality, including real-time quotes, advanced charting, and order management, ensuring a seamless trading experience across devices.

Client Feedback and Reputation

The company has established a strong reputation in the trading community, praised for its robust platforms, wide range of instruments, and excellent customer service.

Client feedback highlights the broker’s reliability, transparency, and dedication to providing high-quality trading experiences.


XTB stands out as a leading broker in the forex and CFD trading space, offering a comprehensive range of services suitable for traders of all levels.

With its advanced trading platforms, wide selection of instruments, competitive fees, and strong regulatory framework, the broker provides a trading environment that is both secure and conducive to success.

Whether you’re a beginner looking to learn the ropes or an experienced trader seeking a reliable and versatile broker, XTB is an exceptional choice.

Visit official website: www.xtb.com

User Reviews

“XTB has been my go-to broker for the past year, and I’ve been thoroughly impressed with their platform’s performance. The spreads on major pairs like EUR/USD are really competitive, which has significantly reduced my trading costs. Their customer support team is responsive and knowledgeable, always ready to assist with any queries. The only downside is the inactivity fee, but as long as you’re an active trader, it’s not an issue.”
Sophia Martinez
“I switched to XTB from another broker due to their wide range of instruments and haven’t looked back. The ability to trade stocks, forex, and crypto all on one platform is a game-changer for me. The educational resources they provide have also helped improve my trading strategy. However, I wish they offered MT5, as it’s my preferred platform.”
Alex Johnson
“As a beginner, I found its platform easy to navigate and their demo account invaluable for practicing trades without risk. Their webinars and tutorials are top-notch and really helped me get a good start. The minimum deposit was a bit high for me, but it’s worth it for the quality of service and security they provide.”
Emily Clark
“I’ve been scalping with XTB for several months, and their execution speed is impressive. No issues with slippage or requotes so far. Their app makes it easy to trade on the go, which is crucial for my trading style. Highly recommend XTB for anyone looking for a reliable broker with tight spreads.”
Michael Brown
“XTB’s customer service is exceptional. I had an issue with a withdrawal, and they resolved it promptly. It’s reassuring to trade with a broker that takes customer complaints seriously and acts swiftly. The range of payment methods is also convenient, allowing for easy deposits and withdrawals.”
Isabella Garcia
“The lack of PAMM/MAM accounts is a bit of a letdown for traders looking for passive investment options. However, XTB more than makes up for this with their Copy Trading feature, which I’ve found to be very profitable. Their analytical tools and market insights have also been incredibly helpful.”
Ethan Williams
“I’ve had a positive experience with XTB overall. The platform is intuitive, and I’ve found many opportunities to profit from their wide range of assets. Their educational content has also been a great help. My only critique would be the inactivity fee, so make sure to keep trading!”
Olivia Smith

Broker Video

Frequently Asked Questions (FAQ)

What is the minimum deposit?

The minimum deposit is $250. This may vary depending on your region and account type.

Does XTB offer a demo account?

Yes, it offers a free demo account for beginners to practice trading without risk.

Is XTB regulated?

Yes, it is regulated by several top financial authorities, including ASIC, CySEC, BaFin, MAS, and FCA, ensuring a high level of security and transparency.

Can I trade cryptocurrencies?

Yes, XTB offers cryptocurrency trading along with forex, commodities, indices, stocks, and ETFs.

What platforms does it support?

XTB supports the MetaTrader 4 (MT4) platform and its proprietary xStation 5 platform.

Are there any fees for deposits and withdrawals at XTB?

The broker does not charge any fees for deposits or withdrawals. However, your payment provider may charge a fee.

Does XTB offer negative balance protection?

Yes, it offers negative balance protection to ensure clients cannot lose more than their total deposits.


Our experts

This article has been written, edited and reviewed by the following members of our team:


Feng Zhou

Feng Zhou, a seasoned author and financial expert, boasts a diverse portfolio of articles recognized by prestigious publications such as Bloomberg, Global Asia, and BizLeaders. Graduating from the University of Hong Kong marked the inception of Mr. Zhou's journey into the financial sector. Initially delving into financial statement audits for both publicly traded and privately held clients, he honed his skills before furthering his education at Hong Kong Polytechnic University. During his tenure, Feng Zhou contributed significantly to the valuation of privately held businesses, engaged in forensic accounting, and provided litigation-related services. His professional trajectory also includes valuable experience at Nezu Asia Capital Management, a prominent hedge fund giant. Demonstrating entrepreneurial spirit, Feng Zhou founded a financial asset management company and frequently shares his expertise as a guest lecturer at various Chinese MBA programs. His prolific writing extends beyond traditional platforms, with articles featured in a range of industry events and publications, including FoxTrade, The MoneyShow, London Summit, and iFX EXPO. With a keen eye for market trends and a wealth of experience, Feng Zhou continues to be a prominent voice in the financial landscape.


Sandro Pontedra

Sandro Pontedra is the mastermind behind the insightful financial analysis and educational content that FoxTrade readers have come to rely on. With a rich academic background from Università di Bologna and the University of Milan, Sandro has built a career that spans across private wealth management and financial analysis, culminating in his role as Chief Accounting Officer for a prominent firm. An avid trader with over a decade of experience in the markets, Sandro combines his hands-on trading knowledge with a keen analytical mind, offering FoxTrade readers a unique blend of practical advice and in-depth market insights. His work, recognized by major financial publications, reflects his passion for finance and commitment to demystifying complex financial concepts. Sandro is dedicated to empowering readers with the knowledge and tools needed to navigate the financial markets confidently. Whether you're a seasoned investor or new to trading, his articles provide valuable insights into investment strategies, market analysis, and the future of finance and technology.


Stephane Dubois

Stephane Dubois stands at the forefront of financial analysis and industry expertise, driving innovation and insight across global markets. With a diverse academic background in International Relations and World Economy, coupled with practical experience spanning government projects and private sector endeavors across five continents, Stephane brings a wealth of knowledge and perspective to his role. As a senior editor at FoxTrade, Stephane oversees the publication of insightful content, ensuring that readers receive accurate and timely analysis to navigate the complexities of the financial world. His leadership and editorial guidance have been instrumental in shaping the platform into a trusted source of information for investors and traders alike. Beyond his editorial responsibilities, Stephane is revered as a leading analyst in the online broker industry. His insights have been instrumental in shaping strategies and decision-making for executives worldwide. Stephane's expertise isn't confined to the boardroom; he is also an esteemed business school professor, with an MBA from Columbia University and prior experience at Goldman Sachs. Stephane's impact extends beyond the confines of academia and corporate settings. He has spoken and moderated panels at prestigious events globally, earning citations from esteemed publications such as Finance Monthly, The Journal of Finance, and Financial Analysts Journal. His contributions to industry discussions cover a wide array of topics, from forex strategies to stock market catalysts, earning him recognition as a thought leader in the financial world.

Last update: June 4, 2024