My Review of the XTB Broker (April 2025)

Pauline Laurore
P. Laurore updated on April 23, 2025

verified information

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
Table of Contents
  • 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?
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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:

FeatureDetail
Minimum Deposit$0 (no minimum amount required)
RegulationsKNF (Poland), FCA (United Kingdom), CySEC (Cyprus), U.S. Securities and Exchange Commission (SEC), CNMV (Spain)
SEC RegistrationYes (as an investment service provider, but not DASP)
Available AssetsStocks (3000+), ETFs (300+), CFDs on stocks, indices, commodities, currencies, ETFs, cryptocurrencies (5900+ in total)
Trading ToolsProprietary xStation 5 platform (desktop, mobile, web), asset screener, technical indicators, heatmaps, performance statistics
Demo AccountYes, available with $100,000 virtual, renewable at will
Copy TradingNot available
Islamic TradingNot available
Main OptionsStop Loss, Take Profit, threshold orders, alerts, partial closure, economic calendar
LeverageUp 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)
FeesStocks/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 SupportOnline chat, email, telephone (response in less than 24 hours in English)
Verified Trustpilot ReviewsNote: 3.7/5 (1,589 reviews)
XTB Features
Minimum Deposit
Detail
$0 (no minimum amount required)
Regulations
Detail
KNF (Poland), FCA (United Kingdom), CySEC (Cyprus), U.S. Securities and Exchange Commission (SEC), CNMV (Spain)
SEC Registration
Detail
Yes (as an investment service provider, but not DASP)
Available Assets
Detail
Stocks (3000+), ETFs (300+), CFDs on stocks, indices, commodities, currencies, ETFs, cryptocurrencies (5900+ in total)
Trading Tools
Detail
Proprietary xStation 5 platform (desktop, mobile, web), asset screener, technical indicators, heatmaps, performance statistics
Demo Account
Detail
Yes, available with $100,000 virtual, renewable at will
Copy Trading
Detail
Not available
Islamic Trading
Detail
Not available
Main Options
Detail
Stop Loss, Take Profit, threshold orders, alerts, partial closure, economic calendar
Leverage
Detail
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
Detail
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
Detail
Online chat, email, telephone (response in less than 24 hours in English)
Verified Trustpilot Reviews
Detail
Note: 3.7/5 (1,589 reviews)
XTB Features

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.

IndicatorDescriptionRisk Management
Regulatory ComplianceRegulated by the KNF (Poland), FCA (United Kingdom), CySEC (Cyprus), and subject to regulatory oversight in the United StatesExcellent
Security of FundsSegregated client funds, coverage up to $100,000 via Polish Deposit Guarantee FundVery Good
Risk Management ToolsStop loss, take profit, limited leverage (1:30), negative balance protection, integrated performance statisticsVery Good
Reputation & CoveragePublicly traded broker, active in 13 countries, over 525,000 clients worldwide, Trustpilot rating 3.7/5Very Good
XTB Security and Reliability
Regulatory Compliance
Description
Regulated by the KNF (Poland), FCA (United Kingdom), CySEC (Cyprus), and subject to regulatory oversight in the United States
Risk Management
Excellent
Security of Funds
Description
Segregated client funds, coverage up to $100,000 via Polish Deposit Guarantee Fund
Risk Management
Very Good
Risk Management Tools
Description
Stop loss, take profit, limited leverage (1:30), negative balance protection, integrated performance statistics
Risk Management
Very Good
Reputation & Coverage
Description
Publicly traded broker, active in 13 countries, over 525,000 clients worldwide, Trustpilot rating 3.7/5
Risk Management
Very Good
XTB Security and Reliability

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 TypeXTB ConditionsMarket Average
Opening FeeFree$5 – $10
Management FeesNo account maintenance fees0.1 – 0.2 %
Withdrawal FeesFree from $100; $10 if less than $100$5 – $10
Inactivity Fee$10 per month after 12 months without login or operation$5 – $15
Conversion Fee0.5% per conversion when trading an asset denominated in another currencyVariable depending on brokers
XTB Account Fees
Opening Fee
XTB Conditions
Free
Market Average
$5 – $10
Management Fees
XTB Conditions
No account maintenance fees
Market Average
0.1 – 0.2 %
Withdrawal Fees
XTB Conditions
Free from $100; $10 if less than $100
Market Average
$5 – $10
Inactivity Fee
XTB Conditions
$10 per month after 12 months without login or operation
Market Average
$5 – $15
Conversion Fee
XTB Conditions
0.5% per conversion when trading an asset denominated in another currency
Market Average
Variable depending on brokers
XTB Account Fees

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.

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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 TypeConditions at XTBMarket Average
Commission$0 commission up to $100,000 of monthly volume; 0.2% beyond0.10%
Spread FeesNo added spread (buy/sell at market price)0.10%
Overnight FeesNo holding fees on stocks and ETFsVariable
Custody FeesNo custody fees, even in case of prolonged inactivityVariable
XTB Stock and ETF Fees
Commission
Conditions at XTB
$0 commission up to $100,000 of monthly volume; 0.2% beyond
Market Average
0.10%
Spread Fees
Conditions at XTB
No added spread (buy/sell at market price)
Market Average
0.10%
Overnight Fees
Conditions at XTB
No holding fees on stocks and ETFs
Market Average
Variable
Custody Fees
Conditions at XTB
No custody fees, even in case of prolonged inactivity
Market Average
Variable
XTB Stock and ETF Fees

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 TypeXTB ConditionsMarket Average
Buy/Sell FeesIncluded in spread (no commission added)0.75 %
Spread FeesStarting at 0.22% (BTCUSD), approximately 1% for most altcoins0.5 – 1 %
Overnight FeesOvernight fees applied for each position open after 10 PM
Custody FeesNo custody fees
XTB Cryptocurrency Fees
Buy/Sell Fees
XTB Conditions
Included in spread (no commission added)
Market Average
0.75 %
Spread Fees
XTB Conditions
Starting at 0.22% (BTCUSD), approximately 1% for most altcoins
Market Average
0.5 – 1 %
Overnight Fees
XTB Conditions
Overnight fees applied for each position open after 10 PM
Market Average
Custody Fees
XTB Conditions
No custody fees
Market Average
XTB Cryptocurrency 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 AssetMaximum LeverageSpread at XTBOvernight FeesMarket Average
Stocks1:5From 0.08%Yes, based on an interest rate + margin1:5 – 1:20
Gold1:20From $0.35Yes, daily variable rate1:20
Oil (WTI)1:10From $0.03Yes, adjusted according to the rollover1:10
EUR/USD1:30From 0.6 pipYes, overnight rate depending on the pair1:30
EUR/GBP1:30Approximately 1.0 pipYes1:30
CAC 401:20From 1 pointYes1:20
BTCUSD1:2From 0.22%Yes, high compared to other assets1:2
Bonds1:5Variable according to the assetYes, based on a financing rate1:5
XTB CFD Fees
Stocks
Maximum Leverage
1:5
Spread at XTB
From 0.08%
Overnight Fees
Yes, based on an interest rate + margin
Market Average
1:5 – 1:20
Gold
Maximum Leverage
1:20
Spread at XTB
From $0.35
Overnight Fees
Yes, daily variable rate
Market Average
1:20
Oil (WTI)
Maximum Leverage
1:10
Spread at XTB
From $0.03
Overnight Fees
Yes, adjusted according to the rollover
Market Average
1:10
EUR/USD
Maximum Leverage
1:30
Spread at XTB
From 0.6 pip
Overnight Fees
Yes, overnight rate depending on the pair
Market Average
1:30
EUR/GBP
Maximum Leverage
1:30
Spread at XTB
Approximately 1.0 pip
Overnight Fees
Yes
Market Average
1:30
CAC 40
Maximum Leverage
1:20
Spread at XTB
From 1 point
Overnight Fees
Yes
Market Average
1:20
BTCUSD
Maximum Leverage
1:2
Spread at XTB
From 0.22%
Overnight Fees
Yes, high compared to other assets
Market Average
1:2
Bonds
Maximum Leverage
1:5
Spread at XTB
Variable according to the asset
Overnight Fees
Yes, based on a financing rate
Market Average
1:5
XTB CFD Fees

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.

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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.

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My opinion on the assets & markets available on XTB

AssetsType (Direct and/or CFD)NumberMarket Average
StocksDirect + CFD3,400+2,500
ETFsDirect + CFD300+200
CryptocurrenciesCFD50+50
CurrenciesCFD4950
CommoditiesCFD2020
IndicesCFD4215 – 20
BondsCFDData not specified10 – 15
NFTsNot Available0N/A
XTB Assets and Markets
Stocks
Type (Direct and/or CFD)
Direct + CFD
Number
3,400+
Market Average
2,500
ETFs
Type (Direct and/or CFD)
Direct + CFD
Number
300+
Market Average
200
Cryptocurrencies
Type (Direct and/or CFD)
CFD
Number
50+
Market Average
50
Currencies
Type (Direct and/or CFD)
CFD
Number
49
Market Average
50
Commodities
Type (Direct and/or CFD)
CFD
Number
20
Market Average
20
Indices
Type (Direct and/or CFD)
CFD
Number
42
Market Average
15 – 20
Bonds
Type (Direct and/or CFD)
CFD
Number
Data not specified
Market Average
10 – 15
NFTs
Type (Direct and/or CFD)
Not Available
Number
0
Market Average
N/A
XTB Assets and Markets

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

FeatureVerified Details
Mobile ApplicationYes, available on iOS and Android, highly rated and smooth
ErgonomicsClear and intuitive interface, well designed for beginners and experienced users alike
Compatible SoftwarexStation 5 (web, desktop, mobile) – no MetaTrader or TradingView integrated
Order TypesMarket order, limit order, stop-loss, take-profit, pending order
Technical or graphical analysisIntegrated indicators, customizable charts, advanced tools in xStation
Auto trading / automated strategiesNot natively available
Algorithmic tradingAPI available only for experienced developers
Protection against negative balancesYes, for all retail clients in the United States
Trading signalsYes, integrated trading ideas, economic calendar, daily analysis
Research and asset filteringIntegrated screener, multi-criteria filters, customizable watchlist
Buying stocks outrightYes, directly without leverage, without commission up to $100,000/month
XTB Platform
Mobile Application
Verified Details
Yes, available on iOS and Android, highly rated and smooth
Ergonomics
Verified Details
Clear and intuitive interface, well designed for beginners and experienced users alike
Compatible Software
Verified Details
xStation 5 (web, desktop, mobile) – no MetaTrader or TradingView integrated
Order Types
Verified Details
Market order, limit order, stop-loss, take-profit, pending order
Technical or graphical analysis
Verified Details
Integrated indicators, customizable charts, advanced tools in xStation
Auto trading / automated strategies
Verified Details
Not natively available
Algorithmic trading
Verified Details
API available only for experienced developers
Protection against negative balances
Verified Details
Yes, for all retail clients in the United States
Trading signals
Verified Details
Yes, integrated trading ideas, economic calendar, daily analysis
Research and asset filtering
Verified Details
Integrated screener, multi-criteria filters, customizable watchlist
Buying stocks outright
Verified Details
Yes, directly without leverage, without commission up to $100,000/month
XTB Platform

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.

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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.

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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

StepVerified Details
Opening Procedure100% online, fast, no paper documents required
Validation TimeValidation generally within 24 hours (sometimes within the day)
Accepted Deposit MethodsBank transfer, credit card (Visa, Mastercard)
Minimum Amount Required0 $ (no minimum for opening a live account or initial deposit)
Documents to ProvideProof of identity + proof of address less than 3 months old
TipUse a recent and good quality scanned document to avoid rejection
XTB Account Opening
Opening Procedure
Verified Details
100% online, fast, no paper documents required
Validation Time
Verified Details
Validation generally within 24 hours (sometimes within the day)
Accepted Deposit Methods
Verified Details
Bank transfer, credit card (Visa, Mastercard)
Minimum Amount Required
Verified Details
0 $ (no minimum for opening a live account or initial deposit)
Documents to Provide
Verified Details
Proof of identity + proof of address less than 3 months old
Tip
Verified Details
Use a recent and good quality scanned document to avoid rejection
XTB Account Opening

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.
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✅ 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

TypePermitted MethodsAvailable CurrenciesMinimum Amounts
DepositBank Transfer, Credit Card (Visa, Mastercard)EUR, USD, GBP, PLNNo minimum required
WithdrawalBank TransferAccount Currency$100 ($10 fee if less)
XTB Deposits and Withdrawals
Deposit
Permitted Methods
Bank Transfer, Credit Card (Visa, Mastercard)
Available Currencies
EUR, USD, GBP, PLN
Minimum Amounts
No minimum required
Withdrawal
Permitted Methods
Bank Transfer
Available Currencies
Account Currency
Minimum Amounts
$100 ($10 fee if less)
XTB Deposits and Withdrawals

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.

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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 TypesAvailable 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 CurrenciesUSD, GBP, PLN
XTB Accounts
Demo Account
Available on XTB
✅ Yes, unlimited time, with $100,000 virtual
Islamic Account
Available on XTB
❌ Not available
Standard/STP Account
Available on XTB
✅ Yes, default model, no commission on shares/ETFs
Raw/ECN Account
Available on XTB
❌ Not available
CFD Account
Available on XTB
✅ Yes, for leveraged trading
Securities Account
Available on XTB
✅ Yes, for spot purchase of stocks and ETFs without leverage
Copy Trading
Available on XTB
❌ No, no integrated functionality
Account Base Currencies
Available on XTB
USD, GBP, PLN
XTB Accounts
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✅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.

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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.


Pauline Laurore
P. Laurore
Finance expert
HelloSafe
Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.

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