XTB Forex Broker
Basic Information
United Kingdom
15-20 years Regulated in Cyprus Regulated in United Kingdom Regulated in Indonesia Market Making License (MM) Forex Execution License (STP) Derivatives Trading License (EP) Forex Trading License (EP) MT4 Full License Self-developed Global Business High potential riskCompany profile
Pros
Low trading costs with competitive spreads, including as low as 0.1 pips for pro accounts.
Strong customer support with 24/7 availability and dedicated account managers.
Comprehensive educational resources and trading tools suitable for both novice and experienced traders.
Cons
No availability for U.S. clients due to regulatory restrictions.
Higher spread costs for non-FX instruments compared to industry standards.
Lack of guaranteed stop-loss orders and limited automated trading capabilities on the proprietary platform.
XTB Forex Broker - Complete Information Guide
1. Overview of the Broker
XTB, officially known as XTB Online Trading, was founded in 2002 in Poland, initially operating under the name X-Trade Brokers. The company is headquartered in Warsaw, Poland, and has expanded its presence with offices in various countries, including the UK, Spain, and Germany. As a publicly traded entity, XTB is listed on the Warsaw Stock Exchange, which adds a layer of transparency and regulatory oversight to its operations.
Over the years, XTB has developed a strong reputation in the retail forex and CFD trading space, serving over 1 million clients globally. Its primary markets include the European Union, the UK, and the Middle East, with a focus on providing access to over 5,800 financial instruments, including forex, commodities, indices, stocks, and ETFs.
Key milestones in XTB's history include its rebranding to XTB Online Trading in 2004, the launch of its proprietary trading platform, xStation 5, in 2016, and the establishment of a research department to provide clients with in-depth market analysis. The company has also received multiple licenses from top-tier regulatory bodies, enhancing its credibility in the financial markets.
The business model of XTB is centered around retail forex trading and offering CFDs, allowing clients to trade a wide range of financial instruments with competitive spreads and various account types.
2. Regulation and Compliance Information
XTB operates under the supervision of several regulatory authorities, ensuring a secure trading environment for its clients. The main regulatory bodies overseeing XTB include:
- Financial Conduct Authority (FCA), UK - Registration No. 522157
- Cyprus Securities and Exchange Commission (CySEC) - License No. 169/12
- Polish Financial Supervision Authority (KNF)
- Comisión Nacional del Mercado de Valores (CNMV), Spain
- Dubai Financial Services Authority (DFSA)
- International Financial Services Commission (IFSC), Belize
The licenses held by XTB are valid across different jurisdictions, providing a framework for client protection and compliance with local regulations. XTB maintains a strict client funds segregation policy, ensuring that clients' funds are kept separate from the company's operational funds. This practice protects traders' capital in the event of financial difficulties faced by the broker.
Additionally, XTB participates in investor compensation schemes, such as the Financial Services Compensation Scheme (FSCS) in the UK, which protects clients up to £85,000. The broker also adheres to Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance measures to ensure the integrity of its operations.
3. Trading Products and Services
XTB offers a comprehensive range of trading products, catering to various trading styles and preferences. The broker provides access to:
- Forex Trading: XTB supports trading in over 71 currency pairs, including major, minor, and exotic pairs, with competitive spreads starting at 0.1 pips.
- CFDs: The broker offers CFDs on commodities, indices, stocks, and cryptocurrencies. Traders can engage in CFD transactions without owning the underlying assets, allowing for greater flexibility and leverage.
- Real Stocks and ETFs: XTB allows clients in specific regions to trade real stocks and ETFs, providing an option for direct investment alongside CFD trading.
- Cryptocurrency Trading: Clients can trade a selection of cryptocurrencies through CFDs, including Bitcoin, Ethereum, and Ripple, with leverage options available.
XTB continuously updates its product offerings, adding new instruments and enhancing existing ones based on market demand and client feedback. The broker also provides retail trading services, allowing individual investors to access the financial markets with ease.
4. Trading Platforms and Technology
XTB has developed its proprietary trading platform, xStation 5, which is designed to provide a user-friendly and efficient trading experience. This platform is available on both web and mobile devices, offering a range of features, including:
- Charting Tools: xStation 5 provides advanced charting capabilities with multiple chart types, time frames, and technical indicators, allowing traders to conduct thorough market analysis.
- Order Execution: The platform supports various order types, including market, limit, and stop-loss orders, facilitating efficient trade execution.
- Mobile App: The xStation mobile app is available for both iOS and Android devices, enabling traders to manage their accounts and execute trades on the go.
While XTB previously supported MetaTrader 4, it has transitioned to its proprietary platform, which does not currently offer MetaTrader 5. The xStation 5 platform is built to accommodate both beginner and advanced traders, providing an intuitive interface and robust trading tools.
The broker employs an automated execution model, ensuring fast and reliable order processing. Additionally, XTB offers API access for algorithmic trading, allowing traders to implement automated strategies.
5. Account Types and Trading Conditions
XTB offers several account types to cater to different trading needs, including:
- Standard Account: This account type requires no minimum deposit and offers access to all trading instruments with spreads starting from 0.1 pips. There are no commissions on most trades, making it suitable for retail clients.
- Pro Account: Designed for professional traders, this account type offers lower spreads but may involve commissions per trade. It is available to clients who meet specific eligibility criteria.
- Islamic Account: XTB provides a swap-free account option for clients adhering to Islamic finance principles, ensuring compliance with Sharia law.
The broker also offers a demo account for practice, allowing traders to familiarize themselves with the platform and test their strategies without financial risk. Leverage options vary depending on the account type and the instruments traded, with maximum leverage reaching up to 1:30 for retail clients in the EU and up to 1:500 for clients in other regions.
6. Fund Management
XTB provides a variety of funding methods to facilitate deposits and withdrawals, including:
- Deposit Methods: Traders can fund their accounts via bank transfers, credit/debit cards, and electronic wallets such as PayPal and Skrill. XTB does not charge deposit fees, although some payment providers may impose their own charges.
- Minimum Deposit Requirements: There is no minimum deposit requirement for the standard account, making it accessible for traders of all levels.
- Withdrawal Methods: Withdrawals can be made through bank transfers, with no fees for amounts exceeding $50. However, a fee may apply for withdrawals below this threshold.
- Processing Times: Deposits are generally processed instantly, while withdrawals are typically completed within one business day.
XTB's transparent fee structure and efficient fund management processes contribute to a positive trading experience for clients.
7. Customer Support and Educational Resources
XTB is committed to providing excellent customer support and educational resources to enhance the trading experience. The broker offers:
- Support Channels: Clients can reach customer support via phone, email, and live chat, with service available in multiple languages, including English, Spanish, French, and German.
- Service Hours: Customer support operates 24/5, ensuring assistance is available during market hours.
- Educational Resources: XTB provides a comprehensive range of educational materials, including articles, video tutorials, webinars, and market analysis. These resources cater to both novice and experienced traders, helping them improve their skills and market understanding.
Additionally, XTB offers market analysis services, including daily updates, research reports, and trading signals, to keep clients informed about market trends and opportunities.
8. Regional Coverage and Restrictions
XTB operates in multiple countries worldwide, making its services accessible to a broad audience. However, there are certain regions where XTB does not accept clients due to regulatory restrictions. Notable exclusions include:
- United States
- Australia
- Japan
- India
- North Korea
XTB maintains a presence in various countries, including the UK, Poland, Spain, and Germany, with dedicated offices to support local clients. However, the availability of specific products and services may vary based on the regulatory environment in each region.
In conclusion, XTB broker stands out as a reputable and well-regulated online trading platform, offering a diverse range of financial instruments, user-friendly trading technology, and robust customer support. Its commitment to transparency and client protection further enhances its appeal to traders globally.
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Latest Reviews
FX2490625354
India
Unable to withdrawals my money 😭
Exposure
2025-09-26
Abdullah
Saudi Arabia
I submitted a withdrawal request and I did not receive the withdrawal for more than a month, in addition to the agent for my account does not respond, and the support service available 24 hours does not respond either. I waited for more than a month and I did not receive the withdrawal. I did not receive the withdrawal, they say that the bank rejected the transfer, and the bank recovered the transfer. I told them that if the bank recovers the transfer, they will return the amount to you in less than a week, and therefore you must add the amount to my private trading account. Then the agent for my account told me half a month ago that the bank recovered the transfer and the XTB company will refund the amount to my private trading account in less than 10 days. Now it has been almost thirty days and they have not added my amount. In addition, the agent for my account does not respond and their support service is available 24 hours and they also do not respond
Exposure
2025-08-28
chefs7026
Burkina Faso
I've just started trading and XTB has helped me a lot 🎯 Easy to understand application, clear tools, and I feel safe ✨ Very good for stress-free learning! 💹
Positive
2025-11-28
How Lare
Nigeria
I’ve been using XTB for a while now, and overall, it’s been a solid experience. The platform (xStation) is clean, easy to navigate, and feels a lot smoother than many brokers I’ve tried before. I also like that they offer a wide range of markets, so I can trade forex, indices, commodities, and even some stocks without needing multiple accounts. That said, XTB definitely isn’t perfect. A lot of what they offer is CFD-based, so it’s more suited for short-term or active trading rather than long-term investing. They also don’t support MetaTrader, which might be a dealbreaker for people who rely on advanced tools or automated strategies. I’ve had mostly smooth withdrawals, but there are times when spreads get a bit wider during volatile periods. Overall, I’d say XTB is a good, reliable option if you want a simple, user-friendly platform and you’re focused on active trading. But if you’re looking to hold assets long-term or you need MT4/MT5 support, you might find it limiting.
37130
2025-11-27
chefs7026
Burkina Faso
XTB is a broker regulated by CYSEC and the FCA, which provides real security for client funds. I also appreciate its longevity and transparency regarding licenses. Platforms like MT4/MT5 work very well, and the spreads are reasonable. Quick account opening and helpful support. For me, it's a reliable broker for trading in Europe. A good experience so far.
Positive
2025-11-27
jgja1987
Ecuador
I requested a withdrawal of $200, but only $140 arrived in my account. They are withholding funds and are complete scammers.
Exposure
2025-11-06