Overall Rating: ★★★★☆ (4.2/5.0)

XTB is a globally recognised multi-asset broker offering access to over 5,800 instruments across forex, indices, commodities, stocks, ETFs, and cryptocurrencies. Founded in 2002 and headquartered in Poland, XTB is regulated by top-tier authorities including the FCA (UK) and KNF (Poland). It is widely respected for its award-winning proprietary platform, xStation 5, excellent educational resources, and strong transparency. XTB is publicly listed on the Warsaw Stock Exchange, adding an extra layer of trust and credibility.

This review evaluates XTB’s trading features, pricing, regulation, and whether it remains a leading broker choice for 2025.

Key Features

XTB provides both beginners and professional traders with robust tools, low fees, and one of the most comprehensive asset selections on the market.

• Trading Platforms:
  • xStation 5 (web, desktop, mobile) – proprietary, fast, and user-friendly
  • No MT4 or MT5
• Markets Offered:
  • Forex, indices, commodities, stocks, ETFs, and crypto CFDs
  • Over 5,800 instruments globally
• Account Types:
  • Standard Account – commission-free CFDs
  • Swap-free (Islamic) accounts available in some regions
• Leverage:
  • Up to 1:30 for retail EU/UK clients
  • Up to 1:500 for international clients under offshore entity
• Minimum Deposit:
  • No minimum deposit required
• Funding Methods:
  • Credit/debit cards, bank wire, PayPal, Skrill, Neteller

Regulation and Security

XTB is fully regulated in multiple top-tier jurisdictions and offers transparent investor protection.

• FCA (UK) – [FRN 522157]
• KNF (Poland) – public listing regulated under Polish law
• CySEC (EU), CNMV (Spain), and IFSC (Belize) for global clients
• Client funds held in segregated Tier 1 accounts
• Negative balance protection for retail clients
• Investor compensation schemes apply per regulatory region

Its public listing ensures regular audits and compliance disclosures.

Pricing and Costs

XTB is known for its competitive, transparent fee structure with commission-free trading on many CFDs.

• Spreads:
  • From 0.1 pips on forex (EUR/USD average around 0.9 pips)
  • Tight spreads across indices and commodities
• Commissions:
  • 0% commission on Standard Account (spread-only)
  • Stock and ETF CFDs: commission from 0.08% per trade
• Deposit/Withdrawal Fees:
  • No deposit fees
  • Free withdrawals over a minimum threshold (varies by region)
• Inactivity Fee:
  • €10/month after 12 months of inactivity

Educational Resources and Customer Support

XTB delivers outstanding education and market research, making it ideal for both novice and seasoned traders.

• Education:
  • XTB Academy: video tutorials, live webinars, trading courses
• Market Analysis:
  • Daily insights, sentiment tools, expert commentary
• Customer Support:
  • 24/5 multilingual live chat, phone, and email
  • Dedicated account managers and fast response times

Risk Management Tools

xStation 5 provides built-in tools that help manage risk efficiently.

• Stop-loss, take-profit, trailing stop orders
• Integrated risk calculator and trade analytics
• Negative balance protection
• No guaranteed stop-loss orders (GSLOs)

Pros and Cons

Pros

• FCA and KNF regulation with public listing transparency
• Commission-free trading on most CFDs
• No minimum deposit requirement
• Excellent proprietary platform (xStation 5)
• Top-tier education and market research

Cons

• No MetaTrader 4 or MetaTrader 5
• Limited advanced tools for algorithmic or API traders
• Inactivity fee after 12 months
• Cryptos and stocks only available as CFDs (no asset ownership)

Conclusion: Is XTB the Right Choice?

XTB is a highly trusted broker offering excellent value, strong regulation, and a powerful trading platform. It’s particularly well-suited for new to intermediate traders looking for a secure, commission-free environment with industry-leading education. While it lacks MT4/MT5 and some advanced tools, its transparency, pricing, and regulatory profile make it one of the best forex and CFD brokers in 2025.