XTB is best suited to UK traders and investors who want real shares, ETFs and a broad CFD range in one place. It combines FCA protection, commission-free stock and ETF dealing up to the monthly threshold, a strong web/mobile platform and solid learning support. It is a weaker fit if you need MetaTrader, copy trading, algorithmic tools or access to options, futures or real crypto.
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In this XTB review, we break down pros and cons, regulation and security, fees, platforms, markets, account features, and trading conditions, so you can decide faster and with more confidence. XTB is also part of our selection of the best trading platforms. The tabs below let you jump directly to the factor most important to your decision.
My take after testing XTB: I’ve been following XTB for years. It’s a solid fit for people who want CFD trading and real shares and ETFs sitting in one account. That combination has always been the point of it. xStation holds up well for daily use, more so than you’d expect from a broker that doesn’t charge commission on shares and ETFs up to the monthly limit. FCA-regulated in the UK, so that box is ticked. On the flip side, you’re on their platform and only their platform, no copy trading, no API. The 0.5% FX conversion fee is something you notice once you’re buying assets in a different currency with any regularity. For manual traders who pick their own positions, it works. If you want automation or the flexibility to move infrastructure around, it probably won’t.
Filippo Ucchino
Co-Founder and CEO of InvestinGoal - Introducing Broker
What type of broker is XTB?
XTB is a hybrid broker operating as both a market maker (dealing desk) and STP broker depending on entity and asset class. XTB Ltd functions as a matched principal without a dealing desk, routing trades to parent company X-Trade Brokers DM as liquidity provider. However, the broader XTB group operates its own dealing desk, acting as counterparty to client trades rather than as pure agency intermediary.
XTB is a multi-asset CFD and securities broker. It offers CFDs on 2,100+ stocks, 15+ ETCs, 10+ ETNs, 40+ cryptocurrencies, and 65+ forex pairs, alongside 6,500+ cash equities (non-leveraged) and 1,900+ cash ETFs. The platform covers forex, indices, commodities, individual stocks, ETFs, and digital assets.
XTB primarily serves retail traders while also catering to professional and institutional clients through two business segments: Retail Operations (individual customers) and Institutional Activity (B2B infrastructure). The broker offers Standard accounts (spread-only) for retail clients and Professional accounts (commission-based, different leverage) for elected professionals.

Yes, XTB is a legitimate broker regulated by the Financial Conduct Authority as an investment firm and CFD provider. XTB was founded in 2002 under X-Trade Brokers Dom Maklerski S.A., with headquarters in Warsaw and parent company XTB S.A. operating local entity XTB Limited. The company is publicly listed on the Warsaw Stock Exchange and publishes audited financial statements. XTB has operated continuously for over 20 years across multiple European markets. The group reported more than 1.7 million total clients and over 850,000 active clients in the first half of 2025, with record operating income in the same period.
The advantages of XTB are listed below.
- Regulation & Client Protection: XTB is regulated by a major financial authority and holds client funds in segregated accounts at leading banks, with negative-balance protection and compensation scheme coverage.
- Low Costs for Stocks and ETFs: XTB offers commission-free trading on shares and ETFs up to a monthly turnover threshold; beyond that, fees remain modest, which is cost-efficient for active investors.
- Broad Investment Choice: XTB provides thousands of stocks and ETFs, plus CFDs on forex, indices, and commodities, supporting diverse portfolios and short-term trading strategies.
- User-Friendly Platform & Tools: XTB delivers a well-designed web and mobile trading interface, demo accounts, and educational content for beginners and experienced traders.
- Tax-Efficient Investment Products: XTB supports tax-advantaged wrappers (e.g., Stocks & Shares ISA) for eligible clients, enabling tax-free growth on returns.
- Transparent Fee Structure: XTB publishes clear fee tables with zero cost for account opening and maintenance, helping users understand total trading costs.
The main disadvantages of XTB are listed below.
- Currency Conversion: A 0.50% fee is applied to trades in a currency different from your account’s base currency.
- No Copy Trading: XTB lacks social or copy trading features.
- Limited Third-Party Platforms: Support for popular platforms like MetaTrader or TradingView is generally not available, restricting users to their proprietary xStation 5 platform.
- Limited Order Types: No OCO (one-cancels-the-other) orders.
- Instrument Limits: While offering a wide range of CFDs, some specific asset types like certain options or futures might be absent.
- Complex Platform: The xStation 5 platform can be overwhelming for new investors due to the sheer volume of data and tools.
Is XTB regulated in UK?
Yes, XTB is regulated in the UK by the Financial Conduct Authority (FCA). XTB Ltd holds FRN 522157. UK retail clients receive FSCS protection up to £85,000, segregated client funds, and negative balance protection.
This applies to residents of Great Britain and Northern Ireland trading with XTB Ltd.
Outside the UK, XTB operates via entities in other jurisdictions:
- X-Trade Brokers Dom Maklerski S.A.: KNF (Poland)
- XTB Sucursal en España: CNMV (Spain)
- XTB MENA Ltd: DFSA (UAE)
- XTB Africa (Pty) Ltd: FSCA (South Africa)
- XTB International Ltd: FSC (Belize), with no negative balance protection.
| Broker |
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|---|---|---|---|
| Regulated in UK | Yes | Yes | Yes |
| Regulatory status in UK | Regulated | Regulated | Regulated |
| Tier 1 regulations held | FCA, ESMA (CySEC, KNF) | ASIC, FCA, ESMA (BaFin, CySEC) | ASIC, CFTC, FCA, JFSA, MAS, NFA |
| Tier 2 regulations held | N/A | CMA, DFSA | DFSA, FMA |
| Tier 3 regulations held | N/A | SCB | BMA |
Yes, XTB is legal in the UK via XTB Ltd (XTB UK), authorised and regulated by the FCA (FRN 522157). UK residents can open accounts with the UK entity. CFDs are offered under FCA leverage limits and protections. Share dealing in stocks/ETFs is available, while spread betting isn’t. Retail crypto-derivatives/crypto-CFDs are restricted. Verify on the FCA Register using the firm name or FRN 522157.
Yes, XTB accepts UK traders through XTB Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 522157. XTB operates from Canary Wharf and offers trading in forex, commodities, indices and equities.
UK traders receive FCA regulatory protections including FSCS compensation and access to the Financial Ombudsman Service. XTB provides commission-free trading on stocks and ETFs up to a monthly threshold, leverage up to 30:1 on forex CFDs, segregated client accounts, and negative balance protection.
Learn more about the best Forex brokers in UK.
No, XTB does not accept U.S. traders as its regulated entities do not hold authorization from U.S. regulatory agencies, and the broker’s FAQ lists the United States among the countries from which it cannot onboard clients; consequently, U.S. residents cannot open accounts or trade CFDs or other instruments with the firm. Explore the best Forex brokers in US.
Is XTB safe in UK?
XTB is safe because XTB Ltd is FCA-authorised and holds client money in ring-fenced, segregated bank accounts. UK clients get FSCS protection up to £85,000 per eligible person per firm, while UK deposit protection increased to £120,000 from 1 December 2025. Negative balance protection applies to UK, EU and MENA retail clients. XTB automatically closes the largest losing position at 50% margin level (FCA, EU, DFSA clients) or 30% (Belize entity). Security includes password/fingerprint/code login, full encryption between servers and mobile app, and multi-factor confirmation for key changes. Since July 2025, time-based one-time password 2FA is mandatory for new customers and rolling out to existing users; the mobile app supports fingerprint and facial biometrics. XTB does not provide excess-loss insurance beyond FSCS and does not publicly disclose penetration test frequency.
| Broker |
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|---|---|---|---|
| Segregated client funds | Yes | Yes | Yes |
| Negative balance | Yes | Yes | Yes |
| Investor compensation scheme | Yes | Yes | Yes |
| Founded in | 2002 | 2010 | 1974 |
| Publicly traded | Yes | No | Yes |
Risks with XTB are listed below.
- Leverage risk: XTB offers up to 1:30 leverage for retail forex and CFD clients, amplifying gains and losses. Small adverse moves can exceed initial investment, especially at maximum leverage.
- CFD complexity: XTB’s products are CFDs, which are derivatives without underlying asset ownership. Overnight financing costs accumulate on positions held beyond one day, eroding profits or increasing losses.
- Counterparty exposure: XTB operates as a market maker; clients trade against the broker, not an external exchange. This creates counterparty risk and potential conflicts in execution and pricing.
- Market volatility: High volatility (news, disruptions) triggers rapid price moves that can execute stop-losses at worse prices or cause margin calls. Leveraged products amplify exposure to sudden swings.
- Margin call and forced liquidation: XTB automatically closes positions at 50% of required margin for retail clients. Fast markets or weekend gaps can wipe out capital before funds can be added.
- Negative balance protection limits: XTB provides negative balance protection for retail clients, but only after closeout. Extreme gaps may briefly allow losses to exceed deposits before protection activates.
- Limited asset ownership: Most equity trading uses CFDs, not physical shares. Traders forego shareholder rights, direct dividends, and long-term ownership benefits.
What markets can you trade on XTB?
The markets you can trade on XTB are listed below.
- Currency pairs (CFDs): 65+ spot-referenced FX pairs. Minimum trade: 0.01 lots. Learn more about what is the Forex market.
- Indices (CFDs): 25+ index instruments across US, Europe, and Asia markets. Minimum trade: typically 0.01 lots.
- Commodities (CFDs): 25+ instruments covering precious metals, energy, industrial metals, and agricultural products. Minimum trade: 0.01 lots.
- Stocks (CFDs): 2,100+ stock CFDs (minimum 0.01 lots) plus 6,500+ real shares (minimum $10).
- ETFs (CFDs): 1,900+ real ETFs (minimum $10) plus ETF CFDs within approximately 220 CFD instruments (minimum 0.01 lots or equivalent ETF share fraction).
| Broker |
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|---|---|---|---|
| Forex | Yes (CFDs) | Yes (CFDs) | Yes (CFDs, Options) |
| Indices | Yes (CFDs) | Yes (CFDs) | Yes (CFDs, Options) |
| Commodities | Yes (CFDs) | Yes (CFDs) | Yes (CFDs, Options) |
| Shares | Yes (Real, CFDs) | Yes (CFDs) | Yes (Real, CFDs, Options) |
| ETFs | Yes (Real, CFDs) | Yes (CFDs) | Yes (Real, CFDs) |
| Cryptocurrencies | N/A | N/A | N/A |

The trading products not offered by XTB are listed below.
- Bonds
- Futures
- Mutual funds
- Options
No, you can’t buy real crypto on XTB. XTB offers only cryptocurrency CFDs, not spot ownership of the underlying asset. Available crypto CFDs include BTC, ETH, XRP, LTC, and DASH.
Yes, you can trade real shares on XTB. Stocks and ETFs are purchased as real assets with actual ownership, not CFDs. Real-share dealing covers over 6,000 companies across more than 14 exchanges, including NYSE, LSE, and Deutsche Börse. Fractional shares are supported: XTB holds whole shares in a fully segregated custody account, with clients obtaining fiduciary rights to the economic benefits of their fractional portion. All shares and ETFs are held in custody on behalf of the client and remain client property. Commission is 0% on monthly turnover up to €100,000 equivalent (0.2%, min $10 above); minimum trade value is $10. A 0.5% currency conversion fee applies for non-base-currency trades. No custody fees for portfolios under $250,000.
Yes, XTB does offer fractional shares. The platform allows clients to invest in portions of shares and exchange-traded funds rather than whole units. It enables buying fractional shares of real stocks and ETFs listed across US, EU, and UK markets. The minimum investment amount for fractional shares starts at $10.
How cheap are spreads with XTB?
XTB spreads are average to competitive, depending on the instrument and account type. On EUR/USD, the XTB Pro account offers tight spreads from 0.1 pips plus a commission of approximately 0.35 pips per side (0.7 pips round-turn), while the XTB Standard account averages around 0.9 pips with no separate commission. On SPX500 (US500), the XTB spread is competitive from about 0.4 points. On XAU/USD (gold), the XTB spread is average at around 30 pips.
The XTB Pro account suits active traders who benefit from tighter underlying spreads, despite the added commission. The XTB Standard account offers simpler all-in pricing, with costs bundled into wider average spreads.
Learn more about low spread Forex brokers.
The fees applied by XTB are listed below.
- Spreads: Standard account from 0.5 pips; Pro account from 0.1 pips (CFD and FX).
- Commissions: Real stocks and ETFs 0% up to €100,000 monthly turnover, then 0.2% ($10 minimum).
- Currency conversion: 0.5% when trading in non-base currency.
- Inactivity: $10/month after 12 months with no trading and no deposit in prior 90 days.
- Withdrawals: $0 above $50.
| Broker |
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|---|---|---|---|
| Overnight fees | Yes | Yes | Yes |
| Inactivity fee | Yes | No | No |
| Deposit fees | No | No | No |
| Withdrawal fees | Yes | No | No |
| Currency conversion fee | Yes | Yes | Yes |
Yes, XTB charges Good/typical raw commissions per every lot traded. XTB offers a Pro account that operates with market spreads and charges a commission per open and closed lot traded of is $3.50 per side, which equals $7 round turn per 1.00 lot.
| Broker |
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| Avg. EUR/USD spread (markup) | 1.32 pips | 1.10 pips | 1.26 pips |
| Avg. EUR/USD spread (raw) | 0.10 pips | 0.10 pips | N/A |
| Commission/lot | $7.00 Round Turn | $6.00 (£4.50) Round Turn | N/A |
| All-in FX cost | $10.60 | $8.50 | $12.60 |
XTB’s overnight swaps for EUR/USD are Good on long positions, being about 1.35% p.a., and Excellent on short positions, being about +0.25% p.a. (from roughly 0.0037% per day long and +0.0007% per day short).
Triple swaps are charged on Wednesdays. Swap fees don’t vary between Standard and Pro accounts for forex, and the same swap schedule applies unless a swap-free option is used.
XTB charges 0% execution commission on share CFDs, as costs are embedded in the spread (buy/sell price difference), not charged separately per trade or per share.
- All exchanges: 0% commission (uniform across markets).
- No tier discounts or volume rebates (standard for all account types).
- FX conversion fee: 0.5% of trade value when share currency differs from account base currency.
XTB’s crypto CFD commissions are included in the spread. Spreads start from ~0.22% of market price; examples cite ~4 pips for BTC and ~3.7 pips for ETH. No spot/real-crypto ownership is offered. Some professional accounts may face a fixed commission (e.g., ~€3.50 per lot) on selected crypto CFDs.
Is XTB good for trading?
XTB is good for trading forex, CFDs, stocks, ETFs, indices, commodities, and cryptocurrencies. XTB is not good for trading options, futures, or bonds.
XTB excels in forex and CFD trading with access to over 2,500 CFD instruments and 65+ currency pairs, combined with competitive spreads starting from 0.1 pips on major pairs and fast execution speeds. The broker provides commission-free trading on forex and CFDs, along with advanced charting tools through its proprietary xStation 5 platform. XTB offers access to over 6,500 real stocks and 1,900 ETFs with zero commission on monthly turnover up to €100,000, making it suitable for stock investors within this threshold. The platform does not support options, futures, or bond trading, which limits its appeal to traders seeking these derivative instruments or fixed-income securities. XTB’s strength lies in its comprehensive CFD and forex offering rather than its provision of access to exchange-traded derivatives or debt markets.
XTB is excellent for investing because it offers real stocks and ETFs with shareholder ownership, commission-free trading up to €100,000 monthly turnover, broad multi-market access across US and European exchanges, fractional shares down to 0.0001 precision, and automated recurring investing via Investment Plans for ETFs.
XTB provides real stocks and UCITS ETFs across major markets including the United States (NYSE/Nasdaq), United Kingdom (LSE), Germany (Xetra/Frankfurt), France (Euronext Paris), and several Nordic and Central European exchanges (Denmark, Finland, Sweden, Norway, Poland, Czech Republic). The real stocks are tagged STC and represent shareholder ownership with dividends.
XTB is good for demo trading because it provides full platform parity with the live xStation interface, offers complete instrument coverage across all asset classes, and allows flexible virtual balance management with reset options. XTB is good and not excellent for demo trading because stock CFD prices on the demo account are delayed by approximately 15 minutes rather than real-time, and the demo account expires after 30 days unless users request an extension.
XTB provides demo accounts preloaded with a large virtual balance of approximately £100,000, which traders can reset and adjust upon request. The demo environment uses the same xStation platform as live accounts, mirroring all functionality including technical indicators, analysis tools, and order types. The demo offers access to the full range of tradable instruments available on live accounts, including Forex pairs, indices, commodities, stock CFDs, and crypto CFDs. Stock CFD prices are delayed by roughly 15 minutes on the demo platform, while most FX and cryptocurrency quotes display real-time prices. The demo account remains active for 30 days by default, though traders can contact support to request extensions beyond this period.
Explore the best Forex demo accounts.
XTB is not a good fit for algo trading because the broker does not support algorithmic trading functionality on any of its platforms. XTB offers only its proprietary xStation 5 platform, which does not allow custom algorithm coding or automated strategy execution. The broker does not provide access to popular algo-friendly platforms such as MetaTrader 4, MetaTrader 5, or cTrader. Additionally, XTB has disabled its xAPI for retail clients, eliminating any potential API-based automated trading solutions. The platform does not offer VPS hosting services for running algorithms, and there is no confirmed server presence in key low-latency data centers such as LD4, NY4, or Equinix. Automated trading strategies including scalping, hedging, arbitrage, high-frequency trading, and price scraping are not possible through XTB’s infrastructure.
Good alternatives to XTB for algo traders are Pepperstone, FP Markets, IC Markets, and Roboforex. See the complete best brokers for algo trading guide.
XTB is great for Forex trading because it holds top-tier FCA regulation, offers competitive EUR/USD spreads of approximately 0.9 pips, allows both scalping and hedging strategies, provides comprehensive analysis tools including traders’ sentiment data, over 20 drawing tools, 45+ technical indicators, and an integrated economic calendar, and supports micro lot trading from 0.01 lots. XTB is great and not excellent for Forex trading because it offers over 65 currency pairs, does not support MetaTrader 4, MetaTrader 5, or cTrader platforms for new retail clients, and does not allow Expert Advisors or algorithmic trading on its proprietary xStation 5 platform.
XTB provides Forex traders with a regulated environment under the UK Financial Conduct Authority alongside other jurisdictions including CySEC, KNF, DFSA, and Belize. The broker’s proprietary xStation 5 platform serves as the sole trading interface for new retail clients, featuring a full suite of charting capabilities with 45+ indicators and more than 20 drawing tools, plus real-time traders’ sentiment data and an economic calendar for fundamental analysis. Traders can execute positions starting at 0.01 lot sizes and employ both manual scalping techniques and hedging strategies without restrictions. The typical EUR/USD spread of 0.9 pips positions XTB competitively within the retail market, though the limitation to 65+ currency pairs restricts access to more exotic or niche forex markets compared to brokers offering broader pair selections; the absence of MetaTrader platform support and algorithmic trading capabilities limits flexibility for traders who prefer automated strategies or third-party trading software.
Pepperstone, XM, AvaTrade, and FP Markets are some good alternatives to XTB as best Forex brokers.
XTB is an excellent broker for CFD stock trading because it combines low commissions of 0.08% of notional value, access to over 16 global exchanges including major US stocks from NYSE and NASDAQ, real-time market data on live accounts, comprehensive analytical tools including a stock screener and earnings calendar, and top-tier FCA regulation. XTB offers CFD stock traders excellent access to thousands of stocks across 16 exchanges with competitive commission rates starting at 0.08% of notional value (minimum approximately €8 to €10 per trade). The broker provides leverage up to 1:5 on stock CFDs and allows both long and short positions on major US stocks from NYSE and NASDAQ, alongside European and Asian markets. Trading freedom is robust, with scalping, hedging, and shorting all permitted on the xStation platform, available in web, desktop, and mobile versions. The platform integrates professional analysis tools including real-time news feeds, a stock screener, earnings calendar, fundamental data for individual instruments, and trader sentiment indicators. XTB operates under Tier-1 regulatory oversight from the UK’s FCA, complemented by licenses from CySEC, KNF, and DFSA. The main limitation is the absence of fractional CFDs and third-party platform support, such as MetaTrader 4, MetaTrader 5, or cTrader, which restricts traders to the proprietary xStation environment and prevents algorithmic trading strategies for CFDs.
IG Markets, Pepperstone, eToro and AvaTrade are some of the best CFD brokers and are a good alternative to the XTB.
XTB is an excellent broker for real stocks trading because it offers commission-free trading up to €100,000 per month, access to real US shares with dividends and fractional shares through its Invest account, coverage of approximately 16 exchanges with around 2,000 stocks, real-time quotes on the xStation platform for live accounts, and regulation by top-tier authorities including the FCA.
XTB provides a competitive commission structure with 0% fees on transactions up to €100,000 monthly and 0.2% above that threshold with a €10 minimum plus approximately 0.5% FX fee. The broker supports fractional share investing with low minimums and delivers real-time market data through its proprietary xStation platform. Trading analysis tools include market news, analyst articles, stock and ETF screeners, earnings calendars, fundamental metrics, and trader sentiment indicators. XTB operates under Tier-1 regulation from the FCA alongside supervision from KNF, CySEC, and DFSA. However, the broker’s real stock offering has limitations. The Invest account is long only without support for short selling or hedging strategies; scalping is permitted, but algorithmic trading is not available for real shares, and XTB does not provide third-party platforms such as MT4, MT5, or cTrader for stock trading, relying solely on its xStation interface.
Good alternatives to XTB for buying stocks are DEGIRO, eToro, Trading 212 and Saxo Bank, as listed in the best stock brokers listicle.
XTB is a good broker for CFD crypto trading because it offers low commissions with costs built into the spread at approximately 0.08 to 0.10% (around €3 to 4 per 1 BTC), provides real-time quotes 24/7 with no intentional delay, and operates under regulation by multiple authorities including KNF, CySEC, DFSA, FSC Belize, and FCA across different jurisdictions. XTB is good and not excellent for CFD crypto trading because it offers over 40 tradable crypto CFDs, which is a limited selection, lacks crypto-specific regulation as the service is offered under existing general regulatory licenses, and requires a minimum trading size of 0.01 BTC without options for smaller positions below $10.
XTB structures its crypto CFD offering with transparent pricing through spread-only costs, eliminating separate commissions and making the fee structure straightforward for traders. The broker provides access to 40+ different cryptocurrency CFDs with real-time market data available around the clock, ensuring traders can respond to the volatile crypto markets at any time. The broker’s crypto CFD range remains moderate compared to specialized platforms, and the minimum position size of 0.01 BTC may be restrictive for smaller traders looking to start with minimal capital exposure, while the commission structure remains competitive and the regulatory framework covers multiple jurisdictions ensuring client protection. The absence of dedicated crypto-specific licensing means the service operates within traditional CFD regulatory frameworks rather than under specialized cryptocurrency oversight.
Good alternatives to XTB for CFD crypto trading are eToro, NAGA, Pepperstone and AvaTrade, as listed in the best brokers for CFD cryptocurrency listicle.
XTB is not a good fit for real crypto trading because the broker does not offer the ability to buy, sell, or hold actual cryptocurrencies. XTB provides exposure to cryptocurrency markets exclusively through CFDs (Contracts for Difference) on approximately 46 crypto instruments, which means traders speculate on price movements without ever owning the underlying digital assets. The platform does not provide any cryptocurrency wallet functionality, neither custodial nor non-custodial, and does not allow users to deposit, withdraw, send, or receive actual cryptocurrencies. Additionally, XTB does not support any fiat-to-crypto conversions, crypto-to-fiat conversions, or crypto-to-crypto transactions, as it operates as a CFD broker rather than a cryptocurrency exchange. These features do not enable true cryptocurrency trading or ownership, although XTB provides real-time streaming bid and ask prices for its crypto CFD instruments 24/7 and is regulated by authorities such as the FCA, KNF, and CySEC for its CFD brokerage services.
eToro, Coinbase, Crypto.com and Binance are some good alternatives to XTB as best crypto exchanges.
XTB is not a good fit for copy trading because the broker does not offer any copy trading functionality. XTB provides no proprietary social trading network, does not integrate third-party copy trading platforms, and offers no mechanism to replicate the trades of other users, copy pre-built portfolios, or follow automated trading strategies or signals. Traders will need to use a different broker that specializes in social and copy trading features if they seek to copy other investors’ positions or subscribe to trading signals.
eToro, ZuluTrade, AvaTrade and NAGA are some good alternatives to XTB as copy trading platforms. Explore the best copy trading platforms.
What are the XTB trading conditions?
The XTB trading conditions are listed below.
- Pricing model: Standard account embeds costs in spreads with no commission. Stock/ETF investing: 0% commission up to monthly threshold (€100,000), then 0.2% with minimum fee. Pro account offers tighter spreads plus per-lot commission (~$3.50 per side).
- Order size: Minimum 0.01 lots for many instruments. Maximum sizes are instrument-specific per specification tables. Each order must fall within relevant limits.
- Trading approaches: Hedging and scalping allowed, though large or abnormal order flow may be refused. External automated trading systems/APIs not supported on proprietary platform in some jurisdictions.
- Risk management: Negative balance protection prevents retail losses beyond deposited funds. Margin requirements and stop-out levels apply per specification tables; positions closed if margin breached.
- Order execution: Execution depends on underlying liquidity; orders may be rejected or partially filled when liquidity is insufficient. Real-time order-book depth and detailed spread statistics during news events are not publicly disclosed.
| Broker |
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|---|---|---|---|
| Execution model | Market Maker | ECN/STP | Market Maker |
| Max. FX leverage | 1:30 | 1:30 | 1:30 |
| Min. FX trade size | 0,01 standard lots | 0,01 standard lots | 0,01 standard lots |
| Hedging allowed | Yes | Yes | Yes |
| Scalping allowed | Yes | Yes | Yes |
XTB applies a hybrid matched-principal execution model for CFDs. XTB executes CFD orders over-the-counter with XTB acting as the second party to each transaction. XTB may hedge exposure after executing client orders, with XTB describing hedging as not conditioning client execution. XTB ranks best-execution factors such as price, speed, probability of execution, order size, and costs within its order execution policy. XTB executes certain non-CFD instruments through regulated markets or alternative trading systems, with XTB separating that flow from OTC CFD execution. XTB keeps the CFD execution framework consistent across accounts while varying conditions by instrument class and entity.
XTB’s trade execution is reliable in fast markets with typical retail constraints. XTB executes primarily OTC through a model that can transmit orders to liquidity providers and frames best execution around price, costs, speed, and likelihood of execution. XTB does not publish a simple, client-facing execution dashboard with consistent latency percentiles and price-improvement rates. XTB remains usable for news trading on major pairs, and clients can still see occasional stop slippage and the usual spread widening during sharp moves.
XTB UK max leverage is 1:30 for retail clients and higher for professional clients (set through professional classification). Leverage does not depend on account labels like Standard or Pro; it depends on client classification and asset class. XTB UK applies fixed leverage per instrument that cannot be manually changed, with margin requirements and a stop-out mechanism that typically closes retail positions when margin level falls to 50%.
The max leverage with XTB UK for each asset class is listed below.
- Forex: 1:30 majors; 1:20 non-majors.
- Indices: 1:20 major; 1:10 non-major.
- Commodities: 1:20 gold; 1:10 other commodities.
- Shares (equities): 1:5 retail.
Explore Forex brokers with high leverage.
The smallest lot size at XTB is 0.01 lots across forex and CFD instruments. The maximum lot size varies by instrument and is specified in each instrument’s specification table; for a typical forex pair, the maximum order size is 50 lots. The platform imposes constraints on order sizing so that any trade must fall within the minimum and maximum trade size set in the specification tables, and if an order exceeds the maximum size, the broker may request additional requirements or special terms. In addition, retail clients are subject to regulatory leverage limits—for example, up to 30 : 1 for forex—which indirectly constrain how large a position can be opened for a given margin.
The types of trading orders you can use with XTB are listed below.
- Market order
- Limit order
- Stop order
- Stop-loss order
- Take-profit order
- Trailing stop order
XTB does not offer guaranteed stop-loss orders, and does not offer advanced bracket or one-cancels-the-other order types.
XTB has a history of asymmetric slippage findings, but has had no widely reported repeat of that specific issue in later years. XTB does not publish slippage statistics, and platform performance statistics focus on trading outcomes rather than measured slippage distributions.
Order execution speed with XTB is good at less than 60 milliseconds on average. Average execution time is presented as below 60 milliseconds in public broker materials.
The percentage of orders filled in under one second is not published by XTB. A public breakdown of execution latency by instrument, asset class, or order type is not provided by XTB.
What are XTB account types?
The account types offered by XTB are listed below.
- Standard Account: For general retail traders wanting simple pricing. Commission-free trading on most CFDs with costs built into spreads from 0.5 pips. Access to forex, indices, commodities, stocks, and ETFs. Floating spreads adjust with market liquidity.
- Professional (Pro) Account: For experienced and high-volume traders needing tighter pricing. Spreads from 0.1 pips plus separate commission per trade. Direct market execution with reduced retail client protections based on regulatory classification.
- Islamic (Swap-Free) Account: For traders following Sharia principles. Same instruments and conditions as Standard Account but without overnight swap charges. Some jurisdictions may limit certain asset classes. Eligibility conditions apply.
Learn more about XTB account types.

XTB’s most popular account is the Standard Account, the primary retail option and the only account type available in most jurisdictions. It supports CFDs on forex, indices, commodities, stocks, and ETFs, with commission-free trading on FX, indices, and commodities (commissions apply to equity CFDs and ETFs). Spreads are floating from ~0.5 pips. While some sources mention Pro or Islamic (swap-free) accounts, XTB’s official information confirms the Standard account is the sole option in most regions. XTB does not publish client usage statistics by account type.
Yes, XTB offers a demo account. The demo account runs on the same xStation platform as the live account and provides access to the full range of instruments available to live traders, including Forex, indices, commodities, stock CFDs, and crypto CFDs. The account comes preloaded with £100,000 in virtual funds, and users can reset the funds. It expires after 30 days by default, and XTB can extend the demo period upon request.
Learn more about the XTB demo account.
No, XTB Ltd does not offer an Islamic (swap-free) account to UK residents. Islamic accounts are available only through XTB International in selected jurisdictions. UK and EU residents are explicitly excluded under XTB Ltd. Eligible clients can select the swap-free option during registration with XTB International. Swap-free accounts eliminate overnight interest charges on eligible positions, though availability depends on specific instruments and periods. Spreads may be wider to compensate for removed swaps. Learn more about Forex brokers with Islamic account.
Yes, XTB Limited offers a Professional Client account. To qualify, clients must meet at least 2 of 3 criteria: (1) 10+ transactions per quarter over the previous four quarters, (2) a portfolio exceeding $500,000 (financial instruments + cash deposits), or (3) at least 1 year working in the financial sector in a professional role. Compared with a retail account, the Professional Client account provides higher leverage, but it comes with fewer regulatory protections (some investor protection measures are waived).
Learn more about Forex brokers for professional traders.
Yes, XTB offers a corporate trading account for businesses and legal entities trading under a company name. It provides the same platforms, instruments, and liquidity as retail/professional accounts. The key difference is that verification requires company registration documents and proof of corporate ownership; funding/withdrawals must use corporate bank accounts matching the registered company name.
No, XTB does not formally offer a “Premium” account tier under that name. While the broker provides enhanced features such as a dedicated account manager and advanced tools that resemble premium services, it does not offer a VIP or genuinely separate premium-account category.
How to open an account with XTB?
The steps to open an account with XTB Ltd are listed below.
- Start the application: Open the website or mobile application, select the option to create an account, enter an email address, and set a password.
- Complete the registration form: Provide personal details such as name, date of birth, residential address, and nationality, accept the terms and conditions, and complete the suitability questionnaire.
- Submit verification documents: Upload a valid photo identity document such as a passport, driving licence, or national identity card and upload proof of address such as a utility bill or bank statement issued within the last three months.
- Wait for approval: Monitor the client area for status updates and provide any additional information requested during review.
- Configure and fund the account: Select the account setup and currency, including GBP where available, and deposit funds using the available funding options.
- Start trading: Log in after approval and deposit confirmation and place the first trade.
The initial form can often be completed in around ten minutes while verification review can take longer depending on document quality and any additional checks required. The process is generally easy to complete, since the application is fully digital and structured as a guided sequence of steps. The requirements typically include meeting eligibility conditions set during onboarding, completing the suitability assessment, and submitting valid proof of identity and proof of address, and funds must be added before live trading can begin. A Know Your Customer process is required, and it typically includes identity verification and address verification before the application is finalised and trading access is granted.
| Broker |
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|---|---|---|---|
| Minimum deposit in UK | $250 | $0 | $0 |
| Demo trial available | Yes | Yes | Yes |
| Payment methods | Wire Transfer, Credit Card, Debit Card, Ewallets | Wire Transfer, Credit Card, Debit Card, Ewallets | Wire Transfer, Credit Card, Debit Card, Ewallets |
| Islamic account availability | Yes | Yes | No |
| Account base currencies | EUR, GBP, USD, HUF, PLN | GBP, USD, EUR, CHF | AUD, EUR, GBP, HKD, SGD, USD |
XTB Limited’s minimum deposit (UK) is $0 (no minimum) to open live trading or investing accounts. Subsequent deposits also have no minimum. The $0 minimum applies to both standard and professional account types. No payment-method thresholds exist; bank transfer, debit, and credit cards are available without minimums. Accepted base currencies include GBP, USD, and EUR; currency conversion fees may apply when trading outside account currency. No deposit-based feature unlocks exist, as all clients have identical access. Funding-related thresholds apply only to monthly turnover (e.g., commission-free trading up to €100,000 turnover equivalent), not deposit size. Learn more about the minimum deposit with XTB.
XTB offers 3 account base currencies, such as GBP, EUR, USD. The limited range of account base currencies offered at XTB increases the likelihood of conversion fees when traders deposit, withdraw, or trade instruments denominated in other currencies.
The deposit methods supported by XTB are listed below.
- Bank Transfer
- Debit Cards
- Credit Cards
- eWallets (not available to UK clients)
The withdrawal methods supported by XTB are listed below.
- Local Bank Transfer
- Bank Wire Transfer
- eWallets (PayPal, Skrill, Neteller)
- Cryptocurrencies (Bitcoin, Ethereum, USDT)
XTB primarily uses bank wire transfer as the main withdrawal method. Debit and credit card withdrawals are limited and not treated as standard methods under most conditions.
Deposits and withdrawals are safe with XTB Ltd for UK clients because the firm is FCA-authorised (FRN 522157) and follows FCA Client Money rules. Client funds are held in segregated bank accounts separate from company funds, ring-fenced in case of insolvency. UK clients also have FSCS protection up to £85,000 if the broker fails. Payments are secured with encrypted connections and two-factor authentication (2FA) via SMS or TOTP app. Only clients who pass KYC verification can deposit; no third-party deposits are accepted. Withdrawals go only to a bank account in the client’s name, verified with a statement or photo. Requests before 1 pm GMT are processed same day.
What trading platforms does XTB offer?
The trading platforms offered by XTB are listed below.
- xStation 5: XTB’s proprietary platform for forex, indices, commodities, share CFDs, and ETFs with technical indicators, market sentiment data, screeners, and integrated economic calendar. Available on Windows/macOS (desktop), web, and iOS/Android (xStation 5 app, including wearable device support).
- Note: MetaTrader 4 was previously offered but is not available to new clients anymore.
| Broker |
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|---|---|---|---|
| MT4 | No | Yes | Yes |
| MT5 | Yes | Yes | No |
| cTrader | No | Yes | No |
| TradingView | No | Yes | Yes |
| Proprietary platform | Yes | Yes | Yes |
| Copy trading platform | No | Yes | No |

The charting tools available at XTB are listed below.
- Technical indicators: 45+ built-in indicators (trend, volume, oscillator categories) including moving averages, RSI, CCI, and pivot points.
- Drawing tools: Trendlines, equidistant channels, Andrew’s Pitchfork, regression lines, Fibonacci retracements, Gann fan, plus shapes (arrows, rectangles, ellipses, triangles) and text/label annotations.
- Chart timeframes: Intervals from 1-minute to monthly with multiple intraday options.
- Platform & usability: xStation 5 charting via browser, iOS, and Android apps. Available on demo and live accounts. Supports candlestick, OHLC, line, and Heikin-Ashi chart types. Up to 16 charts per workspace, 5-instrument comparison on single chart, one-click trading, chart-based stop-loss/take-profit placement, and depth-of-market views.
- Pricing: Charting tools included with trading account, no separate subscription fees or add-on charges.
The trading tools offered by XTB are listed below.
- Order types & risk management: Market execution, pending orders (Buy/Sell Stop, Buy/Sell Limit), take-profit/stop-loss placement, and trailing-stop functionality on the proprietary platform.
- One-click trading: Quick trade entry via desktop interface and mobile app.
- Charting & technical analysis: 45+ technical indicators; drawing tools including Fibonacci retracements, Gann fans, and Elliott waves.
- Market analytics widgets: Market Analysis section with sentiment data, top movers, heat maps, and stock screener.
- Trading calculators: Built-in calculator for pip value, margin, potential P&L, and swap costs; stop-loss/take-profit input by price, percentage, or monetary value.
- Market research: Real-time economic calendar with impact filters; in-platform news feed with financial headlines and commentary.
- Alerts & notifications: Price alerts set directly on charts; delivery via push, email, and SMS.
- Performance analytics: Statistics module tracking total P&L, trade count, average return, max drawdown, and win/loss streaks as live platform views.
- Mobile utilities: Full trade execution, chart analysis, and watchlist management; biometric login and cross-device data sync.
- Tool access conditions: All platform tools included in standard accounts with no premium tier required.
| Broker |
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|---|---|---|---|
| API support | No | FIX API, cTrader API | REST API, Streaming API, FIX API |
| EAs support | No | Yes | Yes |
| Coding languages supported | MQL5 | MQL4, MQL5, cAlgo, Pinescript | MQL4 |
| VPS support | Yes | Yes | Yes |
No, XTB does not provide a VPS service. Learn more about Forex brokers with free VPS.
No, the broker XTB does not offer access to the chart-pattern tool Autochartist. Independent reviews note that XTB’s platform and research services do not integrate Autochartist in its trading environment. Explore the best brokers with Autochartist.
No, XTB does not offer integration with TradingView for account linking or trading execution from the TradingView platform. XTB currently does not support a bridge, API connection, or full terminal access via TradingView. Since there is no native TradingView integration, traders using XTB must rely on its proprietary platforms: the xStation platform. Users may still perform charting on TradingView independently but must execute trades separately through XTB’s platform. Learn more about the best brokers with TradingView.
No, the broker does not allow algorithmic trading. As of March 14, 2025, the broker has disabled its API service, eliminating programmatic trading via API or sockets. Previously supported features, such as MT4 Expert Advisors (EAs) and robot-driven orders, have been withdrawn under current regulation. The proprietary platform does not support automated trading, and no VPS or co-location hosting is available.
How good is XTB for mobile trading?
XTB is great for mobile trading because it offers a proprietary mobile app (xStation mobile) for both Android and iOS, provides full account management features, supports trading in over 5,000 markets (including forex, commodities, indices, stocks and ETFs as CFDs and real assets, and crypto CFDs), and includes advanced charting with over 45 indicators, drawing tools, as well as integrated news, economic calendar, and sentiment analysis. XTB is great and not excellent for mobile trading due to the absence of mobile support for futures and options trading and because it does not offer multiple alternative mobile trading platforms.
The xStation mobile app delivers comprehensive functionality, enabling traders to execute orders, manage accounts (including deposits and withdrawals), and analyze markets from their smartphones. Users benefit from a broad choice of tradable markets, access to interactive charts with over 45 technical indicators and full-featured drawing tools, as well as real-time news updates, push notifications, and market sentiment tools built into the app. XTB covers nearly all major asset classes and provides professional-grade analysis and order management on mobile, though the app currently lacks futures and options trading functionality and does not support third-party platforms, positioning it as a robust but not top-tier mobile trading solution.
IG Markets, Pepperstone, AvaTrade and eToro are some of the best mobile trading apps and are a good alternatives to XTB.
See the best apps for Forex trading.
| Broker |
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|---|---|---|---|
| MT4 mobile | No | Yes | Yes |
| MT5 mobile | Yes | Yes | No |
| cTrader mobile | No | Yes | No |
| Proprietary mobile app | Yes | Yes | Yes |
XTB’s mobile app mirrors the desktop platform in core trading functions but has fewer advanced features and a simplified interface. Mobile supports account management, real-time quotes, news, technical indicators, positions, stop-loss/take-profit, and instrument trading. Desktop adds more charting tools, indicators, fully customizable layouts, multi-chart view, and exportable analytics, making it better for intensive or professional trading. Mobile offers a streamlined interface for trading on the go; desktop provides more technical tools, greater customization, and larger workspace. Some advanced desktop features are reduced or omitted on mobile (e.g., fewer simultaneous charts, less charting space) due to smaller screens. Mobile suits monitoring markets, executing trades, and managing positions conveniently; desktop excels at detailed analysis, complex workflows, and extensive customization.
How good is XTB to learn trading?
XTB is a good choice for learning trading because it offers a comprehensive educational platform, a wide array of educational materials (including written articles, video tutorials, and daily market analysis), and live webinars with market experts. XTB is good and not excellent for learning trading due to the absence of podcast content, lack of cent/nano accounts for ultra-low-risk practice, and its demo account being limited to 30 days by default rather than unlimited.
XTB’s education resources feature an extensive online “Trading Academy” with structured courses for all experience levels, hundreds of hours of training articles and tutorials, and daily expert insights. The broker regularly hosts interactive live webinars and provides an archive of recorded sessions. Beginners can start on a free demo account with virtual funds to practice trading, though the demo is not permanently available as extensions can be requested. The education and practical training options are robust, while the absence of podcasts and true cent/nano accounts means the learning environment may be less ideal for users seeking alternative content formats or very small-size trading. XTB provides a solid learning ecosystem for aspiring traders overall, especially through its mix of written, video, and interactive events. Learn more about what is trading and how it works.
| Broker |
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|---|---|---|---|
| Webinars | Yes | Yes | Yes |
| Tutorials | Yes | Yes | Yes |
| Glossary | Yes | No | Yes |
| Live analysis | Yes | Yes | Yes |

How good is XTB customer care?
XTB has excellent customer care because it offers fast, free, and multilingual support through email, phone, and live chat, all available 24 hours a day during the trading week. Local offices and no account-tier discrimination are included in its service.
XTB’s customer support is accessible via three main methods. Regional email addresses are available, with responses typically within a day. Local phone lines are provided with 24/5 coverage and are best for urgent issues. Live chat is accessible on both its website and platform and is available 24/5. Support is provided in over 14 languages. Dedicated local teams are present in about 20 countries, which allows clients to get help in their language and region. All retail and professional clients receive the same level of assistance since there are no special “VIP” perks. Contacting customer support is entirely free, and only normal phone charges apply for international calls. This comprehensive and inclusive approach makes XTB a leader in customer service among online brokers.
| Broker |
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|---|---|---|---|
| Support languages | English, Polish, Czech, German, Spanish, French, Hungarian, Italian, Portuguese, Romanian, Russian, Slovenian, Turkish, Chinese, Arabic, Vietnamese, Thai | English, Spanish, Russian, Chinese, Vietnamese, Arabic, Indonesian, Italian, French, Thai, German, Polish | English, Arabic, Chinese, Danish, Dutch, French, German, Italian, Japanese, Norwegian, Portuguese, Romanian, Russian, Spanish, Swedish |
| Phone support | Yes | Yes | Yes |
| Email support | Yes | Yes | Yes |
| Chat support | Yes | Yes | Yes |
| Support hours | Mon-Fri (00:00-24:00) | Mon-Fri (00:00-24:00) | Sat-Fri (08:00-22:00 GMT) |
What are the best alternatives to XTB?
The best alternatives to XTB are Admirals, AvaTrade, and eToro.
- Admirals: Trade and Zero accounts with spreads from 0.5 pips; 3,200+ CFDs, 4,000 stocks, and spread betting; stringent regulation with negative balance protection and investor compensation.
- AvaTrade: Forex, commodities, indices, stocks, ETFs, bonds, and vanilla options on MT4/MT5; regulated by Central Bank of Ireland and ASIC; negative balance protection and segregated funds.
- eToro: Social trading with copy-trading and themed portfolios; zero-commission stocks and ETFs; crypto and commodities; strict regulation with client-fund safeguards and leverage limits.
Learn more about alternatives to XTB.
XTB is best suited to UK traders and investors who want real shares, ETFs and a broad CFD range in one place. It combines FCA protection, commission-free stock and ETF dealing up to the monthly threshold, a strong web/mobile platform and solid learning support. It is a weaker fit if you need MetaTrader, copy trading, algorithmic tools or access to options, futures or real crypto.

