XTB Review Of 2026

Trading Fees

In 2025, XTB streamlined its pricing options, now providing a singular, no-commission spread structure. Previously, they catered to diverse trading needs with a Pro Account featuring raw spreads. However, this option has been phased out, leading to a unified approach with the Standard Account.

While it might not be the ideal choice for traders dealing in high volumes, it’s perfectly tailored for beginners who prefer a straightforward, commission-free structure.

Standard Account Spreads

To determine XTB’s average spreads, we analysed the data of over 40 top brokers.

No Commission Spreads: Standard Accounts	EUR/USDAUD/USDEUR/GBPEUR/JPYUSD/CADAUD/JPYGBP/USDUSD/JPYUSD/SGD	EUR/USDAUD/USDEUR/GBPEUR/JPYUSD/CADAUD/JPYGBP/USDUSD/JPYUSD/SGD	EUR/USDAUD/USDEUR/GBPEUR/JPYUSD/CADAUD/JPYGBP/USDUSD/JPYUSD/SGD	EUR/USDAUD/USDEUR/GBPEUR/JPYUSD/CADAUD/JPYGBP/USDUSD/JPYUSD/SGD	EUR/USDAUD/USDEUR/GBPEUR/JPYUSD/CADAUD/JPYGBP/USDUSD/JPYUSD/SGD
	0.90	1.30	1.40	1.40	1.80
	0.83	0.83	1.02	1.37	0.92
	1.00	1.20	1.00	1.20	1.00
	1.00	1.00	1.20	N/A	1.10
	1.20	1.90	1.90	2.30	2.10
	1.20	1.40	1.40	2.00	1.50
	1.00	1.11	N/A	1.30	1.28
	1.10	1.10	1.10	1.20	1.20
	0.60	0.70	0.90	1.00	0.80
	1.20	1.30	1.20	1.20	4.00
	1.20	1.41	1.47	1.85	1.67
	1.10	1.10	1.30	2.30	1.40
	1.00	1.00	1.50	2.00	1.50
	0.80	0.90	1.20	1.80	1.80
	0.50	0.60	0.70	1.20	1.30
	0.80	0.90	1.40	2.40	1.50
	1.13	1.01	1.71	2.27	1.98
	0.90	1.30	3.60	3.00	1.70
	1.00	1.20	1.60	2.10	1.80
	1.50	2.00	2.60	3.00	2.50
	1.10	1.20	1.50	1.70	1.40

Avg. spreads are taken from each broker's website and updated monthly. Last update on 2026-01-03

To determine XTB’s average spreads, we meticulously analyzed data from over 40 top brokers. Our approach included gathering average monthly spreads published on their websites for standard accounts and employing MT4 indicator bots to test actual average spreads.

As shown in the table below, XTB offers a competitive average spread of 0.90 pips for the EUR/USD pair, one of the best in the market.

For other major pairs like EUR/GBP and AUD/USD, their spreads are not the lowest but remain reasonably competitive, and all are provided without additional commission fees.

This comprehensive method ensures a reliable comparison of XTB’s spreads against the industry standards, providing a clear picture of their competitive positioning in the market.

Lowest Spread Forex Brokers

Swap-Free Account Fees

XTB provides a Swap-Free account tailored for traders adhering to Islamic finance principles, which prohibit the payment or receipt of interest. This account replaces the usual swap fees with a fixed commission starting from $10 per lot.

It offers access to commodities, indices, ETFs, share CFDs, and forex markets. However, it excludes cryptocurrency trading and certain currency pairs like EUR/TRY and USD/ZAR.

Please note, the Swap-Free account option is available only through XTB International, not through XTB’s UK subsidiary.

Cashback Rewards And Bonuses

XTB offers cashback rewards for high-volume traders, but the availability and rules vary based on the trader’s location and the XTB subsidiary they are registered with. For non-UK/EU residents registered with XTB’s IFSC Belize regulated entity, cashbacks are part of a loyalty offer. Traders who exceed 15 contracts (lots) per month can contact their account manager to set up a personalised discount program.

However, for UK residents under FCA regulation and EU residents, cash-based incentives are not offered due to regulatory restrictions. Instead, XTB UK provides a discount program for high-volume traders.

Cashback bonuses are also not available for retail clients in the UAE due to local regulations.

Other Fees

While there is no withdrawal fee, note that there is a charge for deposits regarding:

• Outside EU
  2% fee for Skrill and
  1% fee for Neteller

There is also an inactivity fee of $10 after 12 months.

Verdict on XTB Spreads

In 2025, XTB consolidated its pricing structure by phasing out the Pro Account with raw spreads, focusing on a standard, no-commission spread model that offers competitive rates, such as 0.90 pips for EUR/USD, catering primarily to beginners and less to high-volume traders.

Trading Platforms

XTB offers customers two trading platforms, MetaTrader 4 (MT4) and xStation 5. Although both platforms make for an intuitive trading experience, there are key differences between the software in regards to product range, trading tools and risk management features.

The CompareForexBrokers team created a trading platform selector so you can work out what trading software best matches your trading needs. I recommend you complete the short 5 step questionnaire which will help you determine your most suitable forex platform.

• MT4 may suit experienced traders or those wanting to develop sophisticated algorithmic trading strategies using Expert Advisors.
• xStation 5, the broker’s proprietary XTB trading platform, provides full market access to thousands of financial instruments with many useful tools for beginner traders.

MetaTrader 4

MetaTrader 4 is the preferred trading platform for many retail investor accounts. XTB customers using MT4 can enjoy the following features:

• Technical analysis tools including 30 pre-installed indicators, 24 objects and 9 timeframes allowing traders to analyse financial markets and establish trading opportunities.
• Automated trading with EAs (algorithmic trading) and Trading Signals (social-copy trading).
• Write and develop algorithmic trading strategies using Expert Advisors (EAs) and the MQL4 programming language.
• Backtesting tools to test trading strategies and EAs.
• A large forex trading community plus an online marketplace to buy and download EAs and technical indicators.
• Pattern recognition scanners to automate financial market analysis.
• Tools to manage the high risk of trading with different pending order types available (stop loss and take profit orders).

A disadvantage to using MT4 is that you are unable to trade XTB’s full product range, as MT4 was primarily designed for forex trading.

xStation 5

A major benefit to choosing xStation 5 over MT4 is the market access traders gain. While MT4 users cannot trade ETFs, shares or cryptocurrencies, those using xStation 5 can access XTB’s full product range with ETF, Share and Crypto trading permitted.

xStation 5 is well-suited to all levels of trading experience as the platform offers an easy-to-use design while providing unique technical analysis tools.

Examples of the trading tools and unique features the xStation 5 XTB platform offers include:

• A wide range of charting and analysis tools with over 34 built-in technical indicators
• Risk management tools: price alerts and multiple pending order types i.e. take profit, stop loss and trailing stop-loss orders
• Fundamental analysis tools such as an economic calendar and in-house market commentary from XTB’s leading analysts
• An in-built calculator to forecast costs and profits helps customers manage the high risk of trading
• The ability to close all open positions with one click
• Market Sentiment data displaying the percentage of XTB’s traders that are buying and selling different financial instruments
• Stock Screeners allows traders to search thousands of share markets to find CFDs with specific requirements, for example searching stocks based on their dividend yield, market capitalisation or beta
• Heatmaps are visual representations showing which markets are rising and falling, with the option to filer currency pairs, equities and time periods

Mobile Trading Apps

For those wanting to trade on the go, mobile trading apps are available for xStation and MetaTrader 4.

xStation Mobile App

The broker’s proprietary xStation mobile app offers similar features to the desktop trading platform, with multiple order types, real-time news and in-house analysis, market sentiments and a range of technical analysis tools.

The broker’s proprietary mobile app is customisable, with the option to change the display to dark mode to save battery and enhance mobile charting and analysis.

MT4 Mobile App

XTB customers will find an ease-of-use when trading on MT4 with the ability to easily switch between the desktop platform and mobile apps. Whether you want to trade via tablet or mobile device, the mobile apps well-designed layout makes it easy to analyse financial markets and place orders on the go.

Both xStation MetaTrader 4 mobile apps are compatible with Apple and Android devices.

Trade Experience

XTB achieves tight spreads and fast execution by sourcing its liquidity via X Open Hub. X Open Hub is a specialist in providing technology solutions that connect ECN and STP type brokers with the multi-asset liquidity pools consisting of banks and other top tier financial institutions. XTB’s arrangement with X Open Hub means XTB can offer ECN-style spreads on Forex, Shares, Crypto (not UK subsidiary), Commodities, Indices and ETFs so traders can take advantage of institutional-grade pricing.

Although spreads and fees vary between XTB’s 3 account types, benefits enjoyed by all XTB traders include:

• Low spreads
• No requotes
• Fast order execution

Verdict on XTB’s Trading Platforms

XTB offers two distinct trading platforms, MetaTrader 4 for experienced traders focused on algorithmic strategies and xStation 5, their proprietary platform, providing comprehensive market access and user-friendly tools suitable for traders at all levels.

Is XTB Safe?

XTB has an overall trust score of 53 based on regulation, reputation, and reviews.

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1. Regulation

XTB is seen as a safe and trusted CFD broker as its overseen by two tier-1 financial authorities, three tier-2 regulators, and one tier-3 regulator.

2. Reputation

XTB was established in 2002, in London, UK and considered a reputable broker with 368,000 monthly Google searches, it ranks as the 7th most popular forex broker among the 65 brokers we have researched. This high visibility is matched by its web traffic, with Similarweb data from February 2024 positioning XTB as the 7th most visited broker globally, attracting 7,682,000 visits.

XTB is listed on the Warsaw Stock Exchange (Poland) and has a strong presence across Europe with offices in 13 different countries, including France, Germany, Italy, Turkey, and the Czech Republic.

The broker has seen one regulatory issue in 2018 where they received a significant fine for irregularities in the execution of client orders. Yet, they have not had any regulatory mishaps since.

XTB’s main market is Europe’s where XTB says they had 227,000 active clients in Q1 2024. In the same quarter, XTB’s trading volume reached PLN 1.67 trillion (approximately $392 billion) which underscoring the brokers substantial market presence. This broker is publicly listed on the Warsaw Stock Exchange with a market capitalization of approximately PLN 3.5 billion ($820 million) as of 2024.

Country	2025 Monthly Searches
Poland	165,000
Portugal	40,500
Spain	27,100
France	22,200
Germany	18,100
Brazil	9,900
Colombia	8,100
Chile	8,100
United Kingdom	5,400
Italy	5,400
Peru	4,400
United States	3,600
Vietnam	3,600
Argentina	2,900
India	2,400
Mexico	2,400
Netherlands	2,400
Thailand	2,400
Ecuador	2,400
United Arab Emirates	1,900
Austria	1,900
Switzerland	1,600
Morocco	1,300
Saudi Arabia	1,000
Bolivia	880
Canada	720
Algeria	720
Venezuela	590
Dominican Republic	590
Indonesia	590
Egypt	590
Ireland	590
Nigeria	480
Turkey	480
Sweden	480
Costa Rica	480
Pakistan	390
South Africa	320
Australia	320
Malaysia	320
Japan	320
Cyprus	320
Greece	320
Jordan	320
Uruguay	320
Philippines	260
Hong Kong	210
Cambodia	210
Singapore	170
Bangladesh	140
Taiwan	110
Uzbekistan	110
New Zealand	110
Panama	110
Kenya	90
Sri Lanka	90
Ghana	70
Tanzania	40
Uganda	40
Ethiopia	30
Botswana	30
Mauritius	30
Mongolia	10

2025 Average Monthly Branded Searches By Country

Poland	165,000 1st
Portugal	40,500 2nd
Spain	27,100 3rd
France	22,200 4th
Germany	18,100 5th
Brazil	9,900 6th
Colombia	8,100 7th
Chile	8,100 8th
United Kingdom	5,400 9th
Italy	5,400 10th

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3. Reviews

XTB has a TrustPilot score of 4 out of 5 from 2,005 reviews, indicating good client satisfaction.

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Verdict on XTB Trustworthiness

XTB is recognised as a safe and trusted CFD broker with a trust score of 53, regulated by top-tier authorities, established with a strong European presence since 2002, and maintaining a good reputation with high client satisfaction despite a past regulatory issue.

Deposit and Withdrawal

XTB is an accessible broker with no minimum deposit and a range of fee-free funding methods.

What is the Minimum Deposit at XTB?

To start trading, no initial minimum deposit is required by XTB, although the broker recommends $250.

Account Base Currencies

When opening a trading account, you can select from four base currencies: the USD (United States Dollar), EUR (Euro), GBP (Great British Pound) and HUF (Hungarian Forint).

Deposit Options and Fees

XTB offers bank transfers, credit cards, debit cards, and e-wallets like Neteller and Skrill, although availability depends on the region you are trading in.

As you can see from the table below, most funding methods are fee-free.

Withdrawal Options and Fees

XTB charges no withdrawal fees as long as you are withdrawing at least €100 (Europe), $50 (International), or £60/€80/$100 (UK). Funds can only be withdrawn into your verified bank account.

Verdict on XTB’s Payment Methods

XTB offers accessible trading with no minimum deposit requirement, a variety of fee-free funding methods, and multiple base currency options, though withdrawal fees are waived only above certain minimum amounts.

Product Range

As an XTB customer, you can develop trading strategies using Contracts for Difference (CFDs) derived from 6 different asset classes.

• 69 major, minor, and exotic currency pairs with low spreads.
• 25 global indices including the US100, AUS200, EU50 and JAP225.
• 24 commodities including metals, soft commodities, oil, and gas.
• 2100+ stocks CFDs including some of the biggest companies worldwide like Apple and Facebook.
• 218 Exchange Traded Funds (ETFs).
• 10+ cryptocurrencies.

Cryptocurrency Trading

When compared to top forex brokers, XTB offers one of the largest selections of cryptocurrency CFDs. While many brokers provide access to between 5-10 crypto CFDs, XTB offers 14.

A combination of popular and emerging crypto CFDs are available such as Bitcoin, Bitcoin Cash, Ethereum, EOS, Dash Litecoin, Ripple, , and Monero.

FCA Regulated Brokers are no longer able to offer cryptocurrencies to retail traders due to FCA regulations. If you want to trade cryptos, you will need to sign up for an XTB subsidiary outside of the UK.

There are some restrictions when it comes to XTB’s cryptocurrency range. Cryptocurrency CFD trading is not available to MT4 users or Islamic account holders.

To access XTB’s Cryptocurrency trading instruments, customers are required to use xStation 5 and a Standard Account.

Verdict on XTB’s CFD Range

XTB offers a diverse range of trading options with CFDs across six asset classes, including a wide variety of currency pairs, global indices, commodities, stocks, ETFs, and one of the largest selections of cryptocurrency CFDs among top forex brokers.

Customer Service

XTB offers customer support through email, phone, and live chat, complemented by face-to-face assistance in its offices across 12 countries. European clients have access to customer service 24/5, while traders outside the EU benefit from 24/7 support.

Verdict on XTB’s Customer Support

XTB provides comprehensive customer support options, including email, phone, live chat, and in-person assistance in 12 countries, offering 24/5 service for European clients and 24/7 support for traders outside the EU.

Research and Education

XTB offers a range of educational and research materials, though there is room for expansion in both depth and variety. Their current offerings include:

• Knowledge Base: This section, while informative, primarily covers fundamental topics in Forex, commodities, indices, stocks, and CFDs. It’s a useful starting point for new traders but may fall short for those seeking advanced insights.
• Platform Tutorials: Tutorials for xStation 5 and MetaTrader 4 are available, which are helpful for beginners. However, experienced traders might find these resources somewhat basic.
• Market Analysis: The market analysis section provides updates and insights into various markets. While this is beneficial for staying informed, the scope and depth of analysis might not satisfy traders looking for comprehensive research.

Verdict on XTB’s Research and Educational Materials

While XTB’s educational and research tools are helpful, especially for new traders, there’s potential for them to broaden their offerings to include more advanced topics and in-depth analyses.

Final Verdict on XTB

XTB has established itself as a reputable forex broker with a competitive range of over 1,500 instruments.

However, it’s important to note that XTB has transitioned to a single account type with a no-commission spread structure, which may not be ideal for all traders, particularly those who prefer the flexibility of raw spread accounts.

XTB’s trading platforms, MetaTrader 4 and xStation 5, cater to a wide range of trading needs, but the educational and research resources are more suited for beginners and might lack depth for advanced traders.

The broker’s overall trust score of 70, based on regulation, reputation, and client reviews, reflects its standing in the industry. While XTB offers low spreads, fast order execution, and no requotes, the limitations in account types and educational resources may be a consideration for some traders.

Overall, XTB is a solid choice for traders looking for a straightforward trading experience with competitive pricing, but those seeking more advanced features and resources might find it lacking in certain areas.

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