XTB Account Types: List & Characteristics (2022)

filippo ucchino Filippo Ucchino calendar Last Updated: September 2022 timer 7 Min Read

After some searching, you have decided that XTB is the best forex broker for you?

That is excellent news. Now, let’s get to know your new broker a little better.

XTB account types only stretch to offering a standard account type, along with a couple of others. This keeps your choice easy and concise.

Still though, there is a lot of depth to the broker in terms of features that these accounts offer (you can also check our XTB review for a general look a the broker).

Hopefully, this is something which we can help you understand in greater detail through the following in-depth information:

Table of Content

XTB Account Types

As mentioned, XTB offers only a standard account type, with that said, of course, you can still get a demo account and depending on circumstances, a professional or Islamic account to fit your needs.

Demo account

The XTB demo account is accessible for a 30-day trial period. Even though this is the case, you can extend this period as many times as you wish. The one restriction which is in place is the fact you are only allowed one XTB demo account per email.

Besides this, the account functions in the exact same way as a live account, without the risk. There is also no difference in demo account regulation depending upon where you are based.

Standard account

The XTB standard account is the basic account which is made available to all XTB traders around the world. When it comes to a standard account, you can have as many as 4 accounts per trader.

Standard Account General Features

XTB standard account holders can look forward to market execution and trading in more than 5200 instruments across the board. These include forex pairs, commodities, indices, shares, ETFs, and Cryptos CFDs trading. An extensive range of options to suit all trading needs.

Only one trading platform is accessible when trading with XTB. This is the xStation5 which is proprietary to XTB. Trading is also free of any fees for the most part around the world. Great news for you and other traders!

Commission is applied at a reasonable 0.08% per lot round turn on Stock and ETF CFDs. EU clients can also trade them as real assets with no commissions charged for a monthly volume of €100,000.

XTB Trading Platform Features

Standard Account Leverage

Your XTB account leverage is primarily going to depend upon where you are based. Due to regulatory requirements, leverage for both EU and Chinese traders is capped at 1:30. This is more than the 1:10 which is available for Turkish traders, but considerably less than the 1:500 available for others.

Standard Account Spread

The XTB spread you receive varies depending on your area. Generally, the following rates apply:

  • EU: Spreads from 0.8 pips.
  • UK: Spreads from 0.35 pips.
  • China: Spreads from 0.9 pips.
  • Turkey: Spreads from 0.6 pips.
  • Others: Spreads from 0.5 pips.

The exception here where you may be able to select your spread is within Latin America. Here there are 3 types of standard accounts to choose from, types A, B, and C.

The minimum deposit changes with each account, and with that, the spread too.

Type A has a minimum $15,000 deposit and spreads from 0.7 pips; type B has a minimum deposit of $1500 and spreads from 1.5 pips; and finally, type C has a minimum deposit of $1 and spreads starting at 2.8 pips. The choice is yours.

Professional account

Although we said XTB accounts are only really one, there is a professional account. If you fit the criteria, you will be accepted for this account. You must meet the criteria of having 10 trades per quarter with a total of at least €500,000, an investment portfolio exceeding 500,000 Euros/USD, at least one-year professional finance sector experience, and within Latin America, a minimum deposit of $40,000 is required.

In fact, meeting two of the above requirements is sufficient for you to access a professional account. These are available around the world with a leverage of 1:200.

The professional account spread you receive will be lower, but commission will be added to your trades at the following rate:

  • $4 per lot round turn on cryptos, forex, indices, and commodities trades
  • 0.08% per lot round turn on stock and ETF CFDs.

The spread which you will end up with starts from as little as 0.1 pips for EU traders, to 0.28 pips for UK, China, Turkey, and Global Markets traders. Latin America traders start from 0.3 pips.

XTB Become a Professional Trader

Islamic Account

Islamic accounts are a big part of forex trading for those following Shariah law and the XTB Islamic account caters to these needs for every trader who requires.

In practice, there is effectively no difference between a standard and Islamic account besides the fact that crypto trading is unavailable and the commission is higher with this account type.

This commission is $10 per round turn lot traded across all instruments.

XTB Account Openings

Having examined the different XTB account types, we will now take a look at the opening procedures and a few things which may come up in this regard when you are deciding to open your XTB account.

Live Account Opening

This XTB Live account opening process is a standard one which, if you have prepared the correct documents, should really take no longer than 10-15 minutes to complete and begin trading.

Account Verification

As with every reputable broker, XTB account verification will be needed. This should also be a relatively pain-free task though. The documents you need like your proof of identity and proof of residence can both be quickly uploaded and verified within minutes by the automated system. This gets you trading as fast as possible.

Reasons why you should choose XTB

Account Currency

The XTB account currency which you can access will generally differ from country to country due to the global nature of the company. With that said, major currencies like the USD, EUR, and GBP are typically always available.

Minimum Deposit

There is no minimum deposit for most traders imposed by XTB. This mean you can start trading with as little as $1.

The biggest difference in minimum deposit comes for Latin America based traders, depending on their account type selection, minimum deposit there can range from $1 to $15,000.

Account Funding

When it comes time to fund your XTB account, bank transfers, as well as major credit and debit cards, are widely accepted. There are also eWallet methods available like PayPal and Skrill. These will depend on your exact country location.

Accepted currencies for deposit also differ depending on your country and are as follows:

  • EU – Euro Only
  • UK/China – EUR/USD/GBP/HUF (HUF not available with credit card deposits)
  • Latin America – USD/CLP (Chilean Peso available with bank transfers only)
  • Turkey – USD/EUR/TRY (TRY for bank transfers only)
  • Other Global Markets – USD Only


When it comes to XTB deposits and associated fees, they will ultimately depend on your bank for bank transfers although the broker charges no additional fees.

Credit card deposits with XTB do not typically charge any fees, and the only other methods where fees may apply are in the case of PayPal and Skrill will charge a 1.5%-2% fee depending on your area.


XTB withdrawals follow a more structured process than deposits in terms of fees. Typically, the withdrawal will take between 1-3 days to process. In most cases there will also be a minimum withdrawal amount. This amount is typically around the $100 mark.

If you withdraw less than the minimum amount, you can be liable for a fee of as much as 30% so be careful!

When it comes to restrictions, EU traders can only withdraw in Euro, whereas British traders can only withdraw in GBP or HUF for Hungarians. Traders from Turkey can access USD and TRY, while other global markets traders including Chinese, can withdraw in US Dollar only.

Latin American traders meanwhile can withdraw in either USD or CLP, with the latter being free of any fees.

XTB Account Management

Now that you have hopefully decided on your account type and gotten to know a little more about the opening processes, let’s finish with a look at a few key issues which may arise once your XTB account is up and running.

Account number

You may need your XTB account number from time to time if you are communicating with the support team. This account number can be found within your personal account area, and the platform itself.

Account expiring and reactivation

Maybe your XTB account is expiring and needs to be reactivated. In this case, you should remember that your demo account trial, although it is just 30 days, can be extended indefinitely by contacting the XTB support team.

Your live account will become inactive after 12 months of no trading activity. If this happens though, the account will not become disabled or canceled at any point. What will happen though is a $10 monthly fee will be applied while the account is inactive beyond 12 months. If this has happened, your best recourse will be to contact the XTB support team.

Close account

If the unthinkable happens and you are considering closing your XTB account for any reason, the best course of action you can take is to contact and talk with the helpful XTB support team, and also ensure you have withdrawn any funds if you are sure on closing.

About The Author

Filippo Ucchino

Co-Founder - CEO - Broker Expert
Filippo is the co-founder and CEO of InvestinGoal.com. He has 15 years of experience in the financial sector and forex in particular. He started his career as a forex trader in 2005 and then became interested in the whole fintech and crypto sector.
Over this time, he has developed an almost scientific approach to the analysis of brokers, their services, and offerings. In addition, he is an expert in Compliance and Security Policies for consumers protection in this sector.
With InvestinGoal, Filippo’s goal is to bring as much clarity as possible to help users navigate the world of online trading, forex, and cryptocurrencies.

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