XTB provides a range of trading account types tailored to different trader profiles, including beginners, retail traders, high-volume professionals, and fund managers.
Available accounts include the Standard Account (ideal for day traders) and the Islamic Account (swap-free for Muslim traders). Advanced traders and money managers can access the Professional Account, which offers higher leverage, lower margin requirements and additional benefits.
Each XTB account type has distinct pricing models and offers platform compatibility across xStation.
The availability of the XTB account types is subject to Regulatory compliance, trader expertise, and regional restrictions.
What types of trading accounts are available at XTB?
The XTB account types are listed below.
- XTB Demo Account
- XTB Standard Account
- XTB Professional Account
- XTB Islamic Account
XTB Standard Account: Best for day traders
The XTB Standard Account is available under CySEC, FCA, and IFSC regulations. It offers access to over 5,200 CFDs on various assets, such as forex, indices, commodities, stocks, crypto, and ETFs. Spreads start from 0.8 pips (0.5 pips under IFSC), with a rollover fee for overnight positions.
The features of the XTB Standard Account are listed below.
- Availability: Under CySEC, FCA, IFSC.
- Markets: CFD on forex, indices, commodities, stocks, crypto, ETF (5200+ assets in total under CySEC and 2100+ under FCA and IFSC).
- Commissions: You will get charged spreads from 0.8 pips (0.5 pips under IFSC) and a rollover fee if you hold a position overnight.
- Platforms: xStation.
- Trade size: From 1 micro lot.
- Leverage: Up to 1:30 (CySEC, FCA); up to 500:1 (IFSC).
- Special features: Cash rebates from 5% to 30% if you trade at least 20 lots within a month (only under IFSC).
- Account opening: Demo account for 30 days; no minimum deposit to proceed to a live account; there is an exception for some non-EU countries with 3 different standard accounts and a minimum deposit of up to $50,000.
XTB Professional Account: Best for high-volume traders
The XTB Professional Account is designed for experienced traders who meet specific eligibility criteria. It provides access to over 5,200 CFDs on various assets,with spreads starting from 0.8 pips and a rollover fee for positions held overnight.
The features of the XTB Professional Account are listed below.
- Availability: Under CySEC, FCA.
- Markets: CFD on forex, indices, commodities, stocks, crypto, ETF (5200+ assets in total under CySEC and 2100+ under FCA).
- Commissions: Spreads are charged starting at 0.8 pips, and a rollover fee is charged on positions held open for consecutive days.
- Platforms: xStation.
- Trade size: From 1 micro lot.
- Leverage: Up to 1:200.
- Special features: Higher leverage, and high-level trading tools.
- Account opening: Open the retail account, then apply to become a professional trader and the broker will contact you: follow their lead.
XTB Islamic Account: Best for Muslim traders
The XTB Islamic Account caters to traders of the Islamic faith with a swap-free trading environment. It offers access to over 2,100 CFDs on assets such as forex, indices, commodities, stocks, and ETFs. Spreads start from 0.7 pips, and the account features swap-free trading.
The features of the XTB Islamic Account are listed below.
- Availability: Under IFSC.
- Markets: CFD on forex, indices, commodities, stocks, ETF (2100+ assets in total).
- Commissions: The spread starting value is 0.7 pips.
- Platforms: xStation.
- Trade size: From 1 micro lot.
- Leverage: Up to 1:500.
- Special features: Swap-free trading.
- Account opening: Contact the support team to open an Islamic account. Starting with a demo is possible; Then, the broker does not require a minimum deposit to open a live account.
How to compare the XTB trading accounts?
The table to compare the XTB trading accounts is shown below.
| XTB Account Types | Minimum Deposit ($) | Minimum Spread (pips) | Volume-Based Commissions | Overnight Fees | Minimum Trade Size (lots) |
|---|---|---|---|---|---|
| XTB Demo Account | None | N/A | No | No | N/A |
| XTB Standard Account | None (except some non-EU countries up to $50,000) | 0.8 (0.5 under IFSC) | Spreads only | Yes | 0.01 (1 micro lot) |
| XTB Professional Account | None (requires application) | 0.8 | Spreads only | Yes | 0.01 (1 micro lot) |
| XTB Islamic Account | None | 0.7 | Spreads only | No | 0.01 (1 micro lot) |
What are the requirements to open a XTB account type?
The requirements to open a XTB account are listed below.
- Contact requirements: The contact requirements of XTB include a valid email address and a valid phone number
- Age requirements: The age requirement at XTB is that you must be over 18 years old to open an account
- Legal requirements: The legal requirements at XTB include complying with KYC laws by verifying your identity with documents such as a passport or utility bill.
- Minimum deposit requirements: XTB does not have a minimum deposit to activate a live trading account
- Regulatory requirements: The regulatory requirements at XTB stipulate that you must be a resident in a country where the broker operates
- Knowledge requirements: The knowledge requirements at XTB include answering questions about your trading experience and financial knowledge before accessing complex financial products.
Do XTB account types charge inactivity fees?
Yes, XTB account types charge inactivity fees. The broker imposes a monthly fee of €10 after 12 months of trading inactivity and if no cash deposits were made in the previous 90 days. This fee applies to all real money accounts with sufficient funds.
XTB defines an inactive account as one without trading activity for one year and no cash deposits in the previous 90 days. The inactivity fee of €10 per month will be deducted from the client’s available funds. This fee stops automatically when the client resumes trading. The counter resets for another 12 months after the last trading activity.
Demo accounts at XTB function as risk-free practice environments with virtual funds. Traders who abandon these test platforms incur no XTB fees because demo accounts operate exclusively with simulated money. The broker provides these demonstration accounts for educational purposes. Users can test trading strategies without financial obligations on these platforms which remain free regardless of inactivity periods.