XTB review: Pros, Cons, Features, Opinions (2026)

Yes, XTB is a legitimate broker: its companies in the UK, the EU and the UAE are regulated by the FCA (UK), CySEC (Cyprus), the KNF (Poland) and the DFSA (UAE) as investment firms and CFD providers. XTB was founded in 2002 under X-Trade Brokers Dom Maklerski S.A., with headquarters in Warsaw and parent company XTB S.A. operating through subsidiaries including XTB Limited (UK), XTB Limited (Cyprus) and XTB MENA 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. XTB has more than 1.6 million clients worldwide, and had 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’s companies are authorised by top-tier regulators, including the FCA, CySEC and the KNF, and its companies regulated in the UK, the EU and the UAE hold client funds in segregated accounts at leading banks. Retail clients have negative balance protection at XTB Limited (UK), XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited; clients of XTB Limited (UK) are also covered by the FSCS up to £85,000 per eligible person, and clients of XTB Limited (Cyprus) and XTB S.A. by an investor compensation scheme up to €20,000.
• 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.
• Transparent Fee Structure: XTB charges no account opening or maintenance fee.

The 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: MetaTrader and TradingView are not available, restricting users to their proprietary xStation 5 platform.
• Limited Order Types: No OCO (one-cancels-the-other) orders.
• Instrument Limits: XTB does not offer options, futures, bonds or mutual funds.
• Complex Platform: The xStation 5 platform can be overwhelming for new investors due to the sheer volume of data and tools.

Yes, XTB is legal in the countries it accepts, through the XTB company that serves each area. Residents of the UK open their account with XTB Limited (UK), authorised by the FCA (FRN 522157). Residents of Poland, Italy and Hungary, and of the countries where XTB S.A. has branches, including Germany, France, Spain, Portugal, Czechia, Slovakia and Romania, open their account with XTB S.A., authorised by the KNF; residents of the other EU countries with XTB Limited (Cyprus), authorised by CySEC (licence 169/12). Residents of the MENA region open their account with XTB MENA Limited, authorised by the DFSA (F006316). Residents of Canada are served by XTB S.A. Succursale francaise, the French branch of XTB S.A.; residents of 16 countries, including South Africa, Malaysia, Thailand and Vietnam, by XTB International Limited, authorised by the FSC (Belize) (registration No. 6442514); and residents of Chile by XTB Agente de Valores SpA, registered with the CMF (Registro de Agentes de Valores No. 216), for stocks and ETFs. CFDs, real stocks and real ETFs are offered at XTB Limited (UK), XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited, except crypto CFDs for retail clients of XTB Limited (UK); spread betting is not offered. Each licence can be verified on the register of its regulator, using the company name or the licence number above.

No. XTB has no company registered in the United States and does not accept US residents. Explore the best Forex brokers in US.

Risks with XTB are listed below.

• Leverage risk: Retail leverage reaches 30:1 on major forex pairs at XTB’s companies regulated in the UK, the EU and the UAE. Higher leverage magnifies both gains and losses.
• 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. CFDs carry a high risk of rapid capital loss: 74–80% of retail investor accounts lose money when trading CFDs with XTB, depending on the XTB company.
• 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 at its companies regulated in the UK, the EU and the UAE. 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: CFDs on shares, ETFs and crypto give no ownership of the underlying asset, so CFD traders forgo shareholder rights and direct dividends; real shares and ETFs are bought separately, without leverage.

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, at XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited; crypto CFDs are not offered to retail clients of XTB Limited (UK). 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 6,500 companies across about 16 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% above, with a €10 minimum); 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.

The fees applied by XTB are listed below.

• Spreads: Standard account from 0.30 pips on EUR/USD at XTB Limited (UK), 0.80 pips at XTB Limited (Cyprus) and XTB S.A., and 0.90 pips at XTB MENA Limited; Pro account for professional clients from 0.1 pips.
• 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, except for withdrawals below $50 at XTB MENA Limited and below €100 at XTB Limited (Cyprus), which carry a fee.
• Deposits: $0 at XTB Limited (UK), XTB Limited (Cyprus) and XTB MENA Limited; XTB S.A. charges a deposit fee.

Broker
Overnight fees	Yes	Yes	Yes
Inactivity fee	Yes	No	No
Deposit fees	No	No	No
Withdrawal fees	No	No	No
Currency conversion fee	Yes	Yes	Yes

No, XTB does not charge raw spread commissions on retail accounts. The Standard account is priced through the spread, with no commission per lot on forex. The Pro account, which operates with market spreads and a commission of $3.50 per side per lot ($7 round turn), is reserved for clients classified as professional.

Broker
Avg. EUR/USD spread (markup)	1.06 pips	1.10 pips	0.85 pips
Avg. EUR/USD spread (raw)	N/A	0.10 pips	N/A
Commission/lot	N/A	$7.00 Round Turn	N/A
All-in FX cost	$10.60	$8.00	$8.50

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; example spreads are about 4 pips for BTC and about 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.

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, 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 does not offer algo trading: 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 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 its companies hold top-tier regulation from the FCA, CySEC and the KNF, it offers EUR/USD spreads of about 1.06 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 FCA (UK), CySEC (Cyprus), the KNF (Poland) and the DFSA (UAE). 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 is about 1.06 pips, and 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 0% commission on share CFDs, with costs included in the spread, 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 regulation from the FCA, CySEC and the KNF. XTB offers CFD stock traders excellent access to thousands of stocks across 16 exchanges with no commission on share CFDs. 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 Limited (UK) is authorised by the FCA, XTB Limited (Cyprus) by CySEC, XTB S.A. by the KNF and XTB MENA Limited by the 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 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 over 6,500 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 Limited (UK) is authorised by the FCA, XTB Limited (Cyprus) by CySEC, XTB S.A. by the KNF and XTB MENA Limited by the 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 costs built into the spread, starting from about 0.22% of the market price, provides real-time quotes 24/7 with no intentional delay, and operates under regulation by the KNF, CySEC and the DFSA at the XTB companies that offer crypto CFDs; crypto CFDs are not offered to retail clients of XTB Limited (UK). 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 (crypto CFDs not offered to retail clients of its UK company), NAGA, Pepperstone and AvaTrade, as listed in the best brokers for CFD cryptocurrency listicle.

XTB does not offer real crypto trading: 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 does not offer copy trading: the broker has no 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.

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, and hedging does not condition 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 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’s maximum leverage for retail clients is 30:1 on major forex pairs at all its companies regulated in the UK, the EU and the UAE: XTB Limited (UK), XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited.

The table showing the leverage and the protections of each XTB company is shown below.

The max leverage with XTB for each asset class is listed below.

• Forex: 30:1 on major pairs; 20:1 on other pairs.
• Indices: 20:1 on major indices; 10:1 on other indices.
• Commodities: 20:1 on gold; 10:1 on other commodities.
• Shares (equities): 5:1.
• Cryptocurrencies: 2:1 at XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited; crypto CFDs are not offered to retail clients of XTB Limited (UK).

Apart from crypto CFDs, these limits apply at all four companies. Professional clients can access higher leverage, subject to eligibility criteria. Leverage does not depend on account labels like Standard or Pro; it depends on client classification and asset class. XTB 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%. Higher leverage magnifies both gains and losses.

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.

Slippage with XTB occurs on about 28.05% of orders, which are filled at a worse price than the one requested.

Order execution speed with XTB is slow, with an average execution time of less than 440 milliseconds.

XTB’s most popular account is the Standard Account, the primary retail option at all its companies regulated in the UK, the EU and the UAE. It supports CFDs on forex, indices, commodities, stocks, and ETFs, with commission-free trading on FX, indices, commodities and share CFDs. Spreads are floating from 0.30 pips on EUR/USD, depending on the XTB company. The Pro account is reserved for clients classified as professional, and the Islamic (swap-free) account is offered by XTB MENA Limited.

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 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.

Yes, XTB offers an Islamic (swap-free) account through XTB MENA Limited (DFSA); XTB Limited (UK), XTB Limited (Cyprus) and XTB S.A. do not offer it. 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 offers a Professional Client account at XTB Limited (UK), XTB Limited (Cyprus), XTB S.A. and XTB MENA Limited. At its companies regulated in the UK and the EU, 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 in exchange for fewer protections: at its companies regulated in the UK, the EU and the UAE, professional clients do not have the negative balance protection required by the regulators for retail clients, and the regulators’ leverage caps no longer apply.

Learn more about Forex brokers for professional traders.

Yes, XTB offers a corporate trading account at XTB Limited (Cyprus), for businesses and legal entities trading under a company name; XTB Limited (UK), XTB S.A. and XTB MENA Limited do not offer it. It provides the same platforms, instruments, and liquidity as retail/professional accounts. The account is opened through XTB’s team rather than the online registration form, and 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 advanced tools that resemble premium services, it does not offer a VIP or genuinely separate premium-account category.

XTB’s minimum deposit is $0 (no minimum) to open live trading or investing accounts at all its companies regulated in the UK, the EU and the UAE. Subsequent deposits also have no minimum. The $0 minimum applies to both standard and professional account types. No payment-method thresholds exist; bank transfer and debit cards, and credit cards except at XTB MENA Limited, are available without minimums. Base currencies depend on the XTB company; currency conversion fees apply when trading outside the 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 up to 3 account base currencies, depending on the company: GBP, EUR and USD at XTB Limited (UK); EUR, HUF and USD at XTB Limited (Cyprus); PLN, EUR and USD at XTB S.A.; USD at XTB MENA Limited. 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 (not at XTB MENA Limited)
• eWallets (PayPal and Skrill at XTB Limited (Cyprus) and PayPal at XTB S.A.; not offered by XTB Limited (UK) and XTB MENA Limited)

The withdrawal methods supported by XTB are listed below.

• Local Bank Transfer
• Bank Wire Transfer
• eWallets (PayPal and Skrill at XTB Limited (Cyprus) and PayPal at XTB S.A.)

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 with XTB are safe. Client funds are held in segregated bank accounts at all XTB’s companies regulated in the UK, the EU and the UAE, separate from company funds and ring-fenced in case of insolvency. Investor compensation depends on the company: the FSCS covers clients of XTB Limited (UK) up to £85,000, an investor compensation scheme covers clients of XTB Limited (Cyprus) and XTB S.A. up to €20,000, and XTB MENA Limited has no compensation scheme. 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 an account in the client’s name (a bank account or, where offered, an e-wallet), verified with a statement or photo. Requests before 1 pm GMT are processed same day.

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
API support	No	FIX API, cTrader API	REST API, Streaming API, FIX API
EAs support	No	Yes	Yes
Coding languages supported	N/A	MQL4, MQL5, cAlgo, Pinescript	MQL4
VPS support	No	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. 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.

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.