XTB Broker at a Glance
- Commission-free stock and ETF purchases up to $100,000 per month
- More than 7,500 financial instruments available directly or via CFD
- Competitive spreads from 0.6 pip on EUR/USD in standard account
- No deposit, withdrawal or custody fees on shares
- Fluid, ergonomic and complete xStation 5 proprietary platform
- Access to more than 30 technical indicators and integrated tools (screeners, heatmaps)
- Free demo account with $100,000 virtual and renewable
- Customer service available in English, by phone, email and chat
- Account opening in less than 24 hours, without minimum deposit
- Optional Pro account with raw spreads and fixed commissions for active traders
- Inactivity fees of $10 per month after 12 months without operation
- No compatibility with MetaTrader (only xStation)
- No tax-eligible equity savings plan or securities account in the United States
- No possibility of integrated copy trading or social trading
- Crypto trading only via CFD (no physical purchase)
- Currency conversion charged 0.5% in the event of a transaction in another currency
- What to think of XTB?
- My Review of XTB's Security and Reliability
- My review of the fees, spreads and commissions applied on XTB
- My opinion on the assets & markets available on XTB
- My opinion on the platform
- Customer Reviews: What Users Think of XTB
- Account Opening, Deposits and Withdrawals on XTB
- Conclusion: Should you invest with XTB?
Watch out!
Please note that XTB services may not be available in the US. For exact eligibility requirements, we recommend that you consult the official XTB website directly.
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XTB, founded in 2002 in Warsaw, is a publicly traded multi-asset broker present in 13 countries. With a rating of 3.7 on Trustpilot for more than 1,589 reviews, the platform enjoys a solid reputation among individual investors, particularly in the United States, where it is attractive for its commission-free model on stocks and ETFs, and for the quality of its proprietary xStation platform.
I’ve spent the last 6 months signing up for, testing, and thoroughly analyzing XTB, and I’ve sought to compare the platform to other regulated and popular online brokers in the United States.
In short, I was trying to answer questions like: can you trust XTB? Is the platform easy to learn and intuitive for beginners? How much does it cost to trade with XTB, and can you build a diversified portfolio of assets? What features does the trader offer vs. other online brokers?
So I scrutinized everything: account opening process, management and trading fees, available financial instruments, features, simplicity of the platform (desktop and mobile) and trading tools, etc. Below is my in-depth analysis of the XTB broker (compared to other platforms tested).
What to think of XTB?
My Overall Opinion of XTB
After several months of testing, I can say that XTB is a platform that has truly convinced me with its balance between accessibility and performance. I appreciated the richness of the offer, which gives access to more than 5,900 CFDs on stocks, indices, commodities, currencies, ETFs and cryptos, but also to stocks and ETFs in cash without commission (up to $100,000 traded per month). This is rare enough to be emphasized, especially for long-term investors.
The xStation 5 platform positively surprised me. Fluid, clear, and equipped with numerous tools, it allows you to monitor your positions, analyze the markets with around thirty technical indicators, and even filter assets via an integrated screener. Everything is done from a single interface, accessible in both desktop and mobile versions. For those who have never used MetaTrader, the xStation experience is frankly pleasant and more intuitive.
Regarding fees, I've noticed competitive spreads, especially on major pairs like EUR/USD or GBP/USD. The absence of deposit, withdrawal, or custody fees on stocks is also a real strong point. However, as is often the case, you have to remain vigilant about overnight CFD fees, as well as the $10 charged after 12 months of inactivity.
Finally, in terms of security, there's nothing to complain about. XTB is a publicly traded broker, regulated in the United States. Funds are segregated, and clients benefit from negative balance protection. It's a trustworthy environment where I felt safe testing various strategies, both short-term and long-term.
Which trader profiles is XTB suitable for?
=> For beginner traders, XTB is an excellent starting point. The interface is clear, uncluttered, and the educational tools are plentiful: video training, live webinars, daily market analysis. In just a few days, I was able to familiarize myself with the platform without difficulty. The free demo account is also a good way to take your first steps without risk.
=> For long-term investors, access to stocks and ETFs without commission is a real advantage. I was able to build a diversified portfolio without worrying about custody or brokerage fees. It's a relevant choice for those who want to invest passively or schedule regular orders.
=> For active CFD traders, XTB offers good market depth, with more than 5,900 instruments available, leverage up to 1:50 for retail clients in accordance with United States regulation, and fast execution. The xStation charting tools are sufficient for daily technical analysis, and the responsiveness of the support is reassuring when you multiply orders.
On the other hand, XTB will be less suitable for traders specializing in copy trading or algorithmic trading. There is no integrated functionality to automatically follow other traders, nor direct access to MetaTrader or an open API to automate complex strategies.
XTB in a few seconds is:
Feature | Detail |
---|---|
Minimum Deposit | $0 (no minimum amount required) |
Regulations | KNF (Poland), FCA (United Kingdom), CySEC (Cyprus), U.S. Securities and Exchange Commission (SEC), CNMV (Spain) |
SEC Registration | Yes (as an investment service provider, but not DASP) |
Available Assets | Stocks (3000+), ETFs (300+), CFDs on stocks, indices, commodities, currencies, ETFs, cryptocurrencies (5900+ in total) |
Trading Tools | Proprietary xStation 5 platform (desktop, mobile, web), asset screener, technical indicators, heatmaps, performance statistics |
Demo Account | Yes, available with $100,000 virtual, renewable at will |
Copy Trading | Not available |
Islamic Trading | Not available |
Main Options | Stop Loss, Take Profit, threshold orders, alerts, partial closure, economic calendar |
Leverage | Up to 1:50 for retail clients (1:2 on cryptos, 1:5 on stock CFDs, up to 1:50 on major Forex pairs as per U.S. regulations) |
Fees | Stocks/ETFs in cash: $0 commission up to $100,000/month Forex Spread: from 0.6 pip (EUR/USD) Crypto Spread: from 0.22% Inactivity fees: $10 after 12 months without activity Withdrawal fees: free from $100, otherwise $10 |
Customer Support | Online chat, email, telephone (response in less than 24 hours in English) |
Verified Trustpilot Reviews | Note: 3.7/5 (1,589 reviews) |
Forex Spread: from 0.6 pip (EUR/USD)
Crypto Spread: from 0.22%
Inactivity fees: $10 after 12 months without activity
Withdrawal fees: free from $100, otherwise $10
My Review of XTB's Security and Reliability
XTB is, from my point of view, a very reliable broker for investors in the United States. It is a well-established player, present in the markets for over 20 years, regulated by solid authorities and registered with the regulatory bodies in the United States. I have never had the slightest doubt about the security of my deposits or the integrity of the platform. The proposed environment is reassuring, especially for traders who want to invest with discipline and seriousness.
Indicator | Description | Risk Management |
---|---|---|
Regulatory Compliance | Regulated by the KNF (Poland), FCA (United Kingdom), CySEC (Cyprus), and subject to regulatory oversight in the United States | Excellent |
Security of Funds | Segregated client funds, coverage up to $100,000 via Polish Deposit Guarantee Fund | Very Good |
Risk Management Tools | Stop loss, take profit, limited leverage (1:30), negative balance protection, integrated performance statistics | Very Good |
Reputation & Coverage | Publicly traded broker, active in 13 countries, over 525,000 clients worldwide, Trustpilot rating 3.7/5 | Very Good |
My review of the fees, spreads and commissions applied on XTB
What I immediately noticed about XTB is the simplicity of their fee structure. There's no choice between multiple accounts: just one type of real account with identical fees for everyone, whether you're trading spot stocks or leveraged CFDs. I was able to test different types of assets without ever having to worry about a change in conditions depending on my profile or the size of my orders.
For stocks and ETFs, it's $0 commission as long as you stay under $100,000 traded per month. Beyond that, it's 0.2%, which is still quite reasonable. In the CFD market, spreads are competitive — I observed an average of 0.6 pips on EUR/USD and transparent fees on cryptos. However, be aware of inactivity fees of $10 per month after one year without trading.
Let's now look in detail at the broker's fee schedule.
What are the account fees?
Fee Type | XTB Conditions | Market Average |
---|---|---|
Opening Fee | Free | $5 – $10 |
Management Fees | No account maintenance fees | 0.1 – 0.2 % |
Withdrawal Fees | Free from $100; $10 if less than $100 | $5 – $10 |
Inactivity Fee | $10 per month after 12 months without login or operation | $5 – $15 |
Conversion Fee | 0.5% per conversion when trading an asset denominated in another currency | Variable depending on brokers |
I found the fee structure at XTB to be quite balanced. The fact that you don’t have to pay account opening or management fees allows you to focus on your trades. Inactivity is the only line to watch out for, but it only applies after a long period of pause. The 0.5% conversion fees are standard, but can add up if you trade a lot of assets outside the US dollar zone.
The minimum deposit is $0, which is very rare among regulated brokers. This allows you to test the platform in real conditions without constraint, even with a small amount, and to gradually increase your exposure.
Trader Tip
To avoid conversion fees, I recommend using a service like Wise or Revolut to send your funds in the currency of the asset you plan to trade. And if you are not very active, schedule an alert every 11 months to place a symbolic order and avoid inactivity fees.
What are the fees on stocks and ETFs?
Fee Type | Conditions at XTB | Market Average |
---|---|---|
Commission | $0 commission up to $100,000 of monthly volume; 0.2% beyond | 0.10% |
Spread Fees | No added spread (buy/sell at market price) | 0.10% |
Overnight Fees | No holding fees on stocks and ETFs | Variable |
Custody Fees | No custody fees, even in case of prolonged inactivity | Variable |
In my opinion, XTB offers one of the most interesting models for investing directly in stocks and ETFs, without using CFDs.
I particularly appreciated the fact that there are no commissions up to $100,000 per month, which allows you to invest regularly without cutting into profitability. No hidden fees, no custody fees, which makes the platform very competitive for the long term.
What are the fees for cryptocurrencies?
Fee Type | XTB Conditions | Market Average |
---|---|---|
Buy/Sell Fees | Included in spread (no commission added) | 0.75 % |
Spread Fees | Starting at 0.22% (BTCUSD), approximately 1% for most altcoins | 0.5 – 1 % |
Overnight Fees | Overnight fees applied for each position open after 10 PM | |
Custody Fees | No custody fees |
XTB allows trading around fifty crypto-assets only via CFDs. The fees are integrated into the spread, and I found the levels quite reasonable on major cryptos like BTC and ETH.
However, it remains less competitive than platforms like Binance for active traders or those looking to stake. But for simple exposure without asset conversion, XTB remains a good integrated solution.
What are the CFD fees?
Underlying Asset | Maximum Leverage | Spread at XTB | Overnight Fees | Market Average |
---|---|---|---|---|
Stocks | 1:5 | From 0.08% | Yes, based on an interest rate + margin | 1:5 – 1:20 |
Gold | 1:20 | From $0.35 | Yes, daily variable rate | 1:20 |
Oil (WTI) | 1:10 | From $0.03 | Yes, adjusted according to the rollover | 1:10 |
EUR/USD | 1:30 | From 0.6 pip | Yes, overnight rate depending on the pair | 1:30 |
EUR/GBP | 1:30 | Approximately 1.0 pip | Yes | 1:30 |
CAC 40 | 1:20 | From 1 point | Yes | 1:20 |
BTCUSD | 1:2 | From 0.22% | Yes, high compared to other assets | 1:2 |
Bonds | 1:5 | Variable according to the asset | Yes, based on a financing rate | 1:5 |
I found the spreads at XTB to be very competitive for the majority of CFD underlyings, especially on Forex and indices. On EUR/USD, I was able to trade around 0.6 pips without commission, which remains in the top tier of regulated brokers.
On stock CFDs, the fees are clear (starting from 0.08%) and clearly visible before each order. However, as is often the case, overnight fees accumulate if you keep a position open for too long, especially on cryptos.
Trader Tip
If you trade on indices or Forex, prioritize intraday or short-term strategies. This avoids overnight fees, which can quickly eat into your profits if you hold positions for several days.
My opinion on the assets & markets available on XTB
Assets | Type (Direct and/or CFD) | Number | Market Average |
---|---|---|---|
Stocks | Direct + CFD | 3,400+ | 2,500 |
ETFs | Direct + CFD | 300+ | 200 |
Cryptocurrencies | CFD | 50+ | 50 |
Currencies | CFD | 49 | 50 |
Commodities | CFD | 20 | 20 |
Indices | CFD | 42 | 15 – 20 |
Bonds | CFD | Data not specified | 10 – 15 |
NFTs | Not Available | 0 | N/A |
What I appreciated about XTB was the balance between real investing and active trading. You can build a long-term portfolio of stocks or ETFs without fees, while having access to hundreds of CFDs on all major global markets. I was able to easily alternate between spot purchases and leveraged strategies, all on a single platform.
The offering is particularly dense in indices (more than 40 available), which allows you to diversify your strategies with geographical and sector indices. On the crypto side, it is limited to around fifty assets and only via CFDs, which is sufficient for classic exposure, but not for staking or a physical portfolio.
Overall, the depth of the XTB offering allowed me to test different approaches, from swing trading to DCA on stocks, without ever feeling limited.
My opinion on the platform
Feature | Verified Details |
---|---|
Mobile Application | Yes, available on iOS and Android, highly rated and smooth |
Ergonomics | Clear and intuitive interface, well designed for beginners and experienced users alike |
Compatible Software | xStation 5 (web, desktop, mobile) – no MetaTrader or TradingView integrated |
Order Types | Market order, limit order, stop-loss, take-profit, pending order |
Technical or graphical analysis | Integrated indicators, customizable charts, advanced tools in xStation |
Auto trading / automated strategies | Not natively available |
Algorithmic trading | API available only for experienced developers |
Protection against negative balances | Yes, for all retail clients in the United States |
Trading signals | Yes, integrated trading ideas, economic calendar, daily analysis |
Research and asset filtering | Integrated screener, multi-criteria filters, customizable watchlist |
Buying stocks outright | Yes, directly without leverage, without commission up to $100,000/month |
As a trader, I really appreciated the user experience on the xStation 5 platform. It's a very successful proprietary interface, fluid, ergonomic, with all the essential features integrated directly. I didn't feel any lack, even coming from universes like MetaTrader or TradingView, because the tools are there: indicators, interactive chart, screener, statistics on your performance, etc.
What I found particularly useful was the ability to manage everything from a single interface, whether on desktop or mobile. Even when monitoring my orders on the go, I was never frustrated. The only downside is the lack of automation or native copy trading. For very technical or algorithm-oriented profiles, you'll need to turn to the API, which requires a certain level of expertise.
Trader Tip
Take the time to configure your workspace on xStation 5 with your favorite assets, filters, and chart types. Once everything is set up, you save valuable time during each trading session and avoid execution errors related to rushing.
Customer Reviews: What Users Think of XTB
XTB displays an average rating of 3.7/5 on Trustpilot, based on 1,589 reviews at the time of analysis. Feedback is mostly positive, although some users express specific criticisms. Overall, the level of satisfaction remains good, particularly regarding the educational aspects and ease of use of the platform.
The most frequently cited positive points by users are the simplicity of the interface, the quality of customer service, and the effectiveness of the educational tools offered (videos, webinars, analyses). Many also appreciate the free access to stocks and ETFs, the speed of account opening, and the fluidity of the mobile application.
However, some comments raise criticisms about customer service, including longer-than-expected response times. Some users also mention a certain complexity in placing CFD orders, or the lack of advanced tools for technical analysis compared to other platforms like TradingView or MetaTrader.
Examples of customer reviews:
- SCHULLI (February 16, 2025): "The platform is ergonomic, easy to use, and there are many tools. Execution is fast, and customer service is dynamic. I give it 5 stars."
- Ouassini Bekaddour (February 25, 2025): "For me, this is the best broker, by far. Top-notch customer service, excellent platform, no problems for years."
- Anonymous client (February 23, 2025): "On XTB for 6 years, never had a withdrawal problem. Lots of training videos, and an advisor always available without abusive reminders."
Account Opening, Deposits and Withdrawals on XTB
Account Opening
Step | Verified Details |
---|---|
Opening Procedure | 100% online, fast, no paper documents required |
Validation Time | Validation generally within 24 hours (sometimes within the day) |
Accepted Deposit Methods | Bank transfer, credit card (Visa, Mastercard) |
Minimum Amount Required | 0 $ (no minimum for opening a live account or initial deposit) |
Documents to Provide | Proof of identity + proof of address less than 3 months old |
Tip | Use a recent and good quality scanned document to avoid rejection |
Opening an account with XTB, in my experience, was one of the fastest in the market. I completed my registration in less than 10 minutes, and my account was validated within hours. Here are the main steps:
- Complete the online form with your personal and tax information.
- Answer a financial knowledge questionnaire to validate your investor profile.
- Upload your identification document (card or passport) and proof of address (bill, receipt, bank statement).
- Wait for validation (usually within 24 hours).
- Immediately access the client area with the possibility to test the platform in demo mode or make an initial deposit.
✅ Good to know
The XTB demo account is unlimited in time and can be reloaded at will, which is perfect for thoroughly testing xStation 5 without pressure.
XTB Deposits and Withdrawals
Type | Permitted Methods | Available Currencies | Minimum Amounts |
---|---|---|---|
Deposit | Bank Transfer, Credit Card (Visa, Mastercard) | EUR, USD, GBP, PLN | No minimum required |
Withdrawal | Bank Transfer | Account Currency | $100 ($10 fee if less) |
I found XTB's deposit and withdrawal system to be very clear and secure. Bank transfer remains the primary method, with execution within 1 to 3 business days. I tested a deposit by card: it was credited instantly. Withdrawals are also easy to make from the client area and are always sent to an account in your name.
Trader Tip
If you usually make partial withdrawals, remember to always withdraw at least $100, otherwise a fixed fee of $10 will apply. To avoid this cost, group your withdrawals or wait until you have reached this minimum threshold.
Account Types Available on XTB
XTB offers a very simple and transparent account structure. Unlike other brokers who multiply the types of accounts according to spreads or commissions, here everything goes through a single account, whether you are a beginner or a more active trader. I appreciated this approach: no surprises, no differentiation based on the client, the same conditions apply to all. There is still a distinction between access to the real account, the demo account, and the instruments available (cash or CFD).
Account Types | Available on XTB |
---|---|
Demo Account | ✅ Yes, unlimited time, with $100,000 virtual |
Islamic Account | ❌ Not available |
Standard/STP Account | ✅ Yes, default model, no commission on shares/ETFs |
Raw/ECN Account | ❌ Not available |
CFD Account | ✅ Yes, for leveraged trading |
Securities Account | ✅ Yes, for spot purchase of stocks and ETFs without leverage |
Copy Trading | ❌ No, no integrated functionality |
Account Base Currencies | USD, GBP, PLN |
✅Good to know
The live account at XTB gives access to all available instruments: CFDs, stocks, and ETFs on the spot market, from a single platform (xStation 5), with a single login. It's practical and uncomplicated.
Conclusion: Should you invest with XTB?
After several months of testing XTB on a daily basis, I can say that it is a platform that I readily recommend, especially if you are looking for a reliable, transparent, and accessible broker. I liked its ease of use, the efficiency of the xStation 5 platform, and especially its commission-free model for investing in stocks or ETFs (up to $100,000 per month).
The absence of a minimum deposit is also a real plus for small portfolios. And on the CFD side, the spreads are competitive, the instruments are numerous, and the security is impeccable thanks to comprehensive regulation in the United States and registration with the relevant regulatory bodies.
In short, whether you are a long-term investor or an active trader, XTB is a serious, well-thought-out, and sufficiently complete platform to cover all trading styles.
Is XTB regulated in the United States?
Yes, XTB is registered with the Financial Industry Regulatory Authority (FINRA) as a broker-dealer. It is also regulated by other leading authorities like the KNF (Poland), the FCA (United Kingdom), and the CySEC (Cyprus), ensuring a secure framework for the United States clients.
What is the minimum deposit on XTB?
There is no minimum deposit required to open an account with XTB. You can start investing with the amount of your choice, which is ideal for beginner traders or those who want to test the platform smoothly.
Does XTB offer a welcome bonus?
No, XTB does not offer a welcome bonus for United States clients in accordance with regulations. No commercial promotions, contests or referral offers are highlighted.
How does leverage work on XTB?
The leverage depends on your status (individual or professional) and the type of asset:
- Forex: up to 1:50
- Major Indices: up to 1:50
- Commodities: up to 1:20
- CFD Stocks: up to 1:20
- Cryptos: up to 1:2
Professional clients can benefit from higher leverages under certain conditions.
How does XTB get paid?
XTB is compensated via spreads on CFDs and a commission applied to stock/ETF transactions. Spreads start at 0.6 pip on EUR/USD, and overnight fees are applied for positions held after market close.
Who is behind XTB?
XTB is a broker founded in 2002 in Warsaw. Listed on the Warsaw Stock Exchange (WSE), it operates in more than 13 countries in Europe and the Middle East. It is a recognized player in the sector, with more than 525,000 clients worldwide.
When was XTB launched?
XTB was launched in 2002. Initially specializing in the Polish market, it has become a major player with a strong presence in the CFD and spot investment sector.
Does XTB offer copy trading?
No, XTB does not offer a native copy trading feature. Unlike platforms like eToro, it is not possible to automatically copy the positions of other traders.
How do I contact XTB customer service?
XTB customer service is available by phone, live chat and email, 5 days a week. During my tests, the answers were obtained quickly (often in less than 10 minutes via chat), with a good level of technical expertise.
Does XTB offer promotions?
No, no promotions or commercial offers are available for United States clients. XTB focuses on simple and transparent pricing, without marketing bonuses.
Is XTB regulated in the United States?
Yes, XTB is registered with the Financial Industry Regulatory Authority (FINRA) as a broker-dealer. It is also regulated by other leading authorities like the KNF (Poland), the FCA (United Kingdom), and the CySEC (Cyprus), ensuring a secure framework for the United States clients.
What is the minimum deposit on XTB?
There is no minimum deposit required to open an account with XTB. You can start investing with the amount of your choice, which is ideal for beginner traders or those who want to test the platform smoothly.
Does XTB offer a welcome bonus?
No, XTB does not offer a welcome bonus for United States clients in accordance with regulations. No commercial promotions, contests or referral offers are highlighted.
How does leverage work on XTB?
The leverage depends on your status (individual or professional) and the type of asset:
- Forex: up to 1:50
- Major Indices: up to 1:50
- Commodities: up to 1:20
- CFD Stocks: up to 1:20
- Cryptos: up to 1:2
Professional clients can benefit from higher leverages under certain conditions.
How does XTB get paid?
XTB is compensated via spreads on CFDs and a commission applied to stock/ETF transactions. Spreads start at 0.6 pip on EUR/USD, and overnight fees are applied for positions held after market close.
Who is behind XTB?
XTB is a broker founded in 2002 in Warsaw. Listed on the Warsaw Stock Exchange (WSE), it operates in more than 13 countries in Europe and the Middle East. It is a recognized player in the sector, with more than 525,000 clients worldwide.
When was XTB launched?
XTB was launched in 2002. Initially specializing in the Polish market, it has become a major player with a strong presence in the CFD and spot investment sector.
Does XTB offer copy trading?
No, XTB does not offer a native copy trading feature. Unlike platforms like eToro, it is not possible to automatically copy the positions of other traders.
How do I contact XTB customer service?
XTB customer service is available by phone, live chat and email, 5 days a week. During my tests, the answers were obtained quickly (often in less than 10 minutes via chat), with a good level of technical expertise.
Does XTB offer promotions?
No, no promotions or commercial offers are available for United States clients. XTB focuses on simple and transparent pricing, without marketing bonuses.