XTB Review Of 2026

XTB Summary

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, XTB withdrew the Pro account from its line-up for new clients in 2025. Existing Elected Professional clients who already hold a Pro account keep access to it, so the account is legacy-only rather than fully removed. New clients open 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, compared on spreads.

No Commission Spreads: Standard Accounts	EUR/USD	AUD/USD	EUR/GBP	EUR/JPY	USD/CAD
	0.90	1.30	1.40	1.40	1.80
	0.83	0.83	1.01	1.38	0.91
	1.00	1.20	1.00	1.20	1.00
	0.90	0.90	1.00	1.20	1.00
	1.40	1.90	1.70	2.80	2.30
	1.10	1.40	1.30	1.70	1.40
	1.00	1.11	N/A	1.30	1.28
	1.10	1.10	1.10	1.20	1.20
	0.70	0.70	0.90	1.10	0.80
	1.20	1.30	1.20	1.20	4.00
	1.28	1.48	1.47	1.83	1.69
	1.10	1.10	1.20	2.20	1.30
	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	1.30	1.60	1.40
	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
	1.30	1.80	2.40	6.10	2.20
	1.10	1.20	1.60	2.00	1.20

Avg. spreads are taken from each broker’s website and updated monthly. Last update on 1 Sep 2026

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 (Islamic) account is available on the UAE (DFSA) entity as well as XTB International. It is not available on the UK (FCA) or EU (CySEC) entities.

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 withdrawals are free above the 100 EUR threshold (a 10 EUR fee applies to withdrawals under 100 EUR on the UK and EU entities), note that there is a charge for deposits regarding:

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

There is an inactivity fee of 10 EUR per month on the UK and EU entities, but it applies only when two conditions are met together: no position opened or closed in the last 365 days, and no deposit in the last 90 days. It stops on your next trade, is never taken from a zero balance, and does not apply to ISA accounts (XTB help centre, fees and commissions, updated 8 June 2026). Separately, XTB charges no custody fee on holdings up to 250,000 EUR, and 0.02 percent a year above that with a 10 GBP minimum.

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.

UAE clients (XTB MENA Limited, DFSA) can also open the VIP PRO account. It uses a raw-spread plus commission model: spreads from 0.6 pips on EUR/USD, with a commission of 3.50 USD per lot per side (7.00 USD round turn) on forex, indices and commodities, and from 0.08% of transaction value on stock and ETF CFDs. It is available on xStation and MT4.

Trading Platforms

UK and EU clients trade on xStation only. MetaTrader 4 was removed from the UK entity in March 2024 and is not available to UK or EU clients. MT4 remains available only on the UAE (DFSA) entity. 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.

• MT4 may suit experienced traders or those wanting to develop sophisticated algorithmic trading strategies using Expert Advisors.
• xStation, 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). Note that XTB does not offer copy or social trading to UK or EU clients; MT4 Signals exists only on the UAE (DFSA) entity, and xStation has a Performance Statistics tab but no automated 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

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

xStation 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 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, 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.

1. Regulation

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

2. Reputation

XTB was established in 2002, in London, UK and considered a reputable broker with 550,000 monthly Google searches, it ranks as the 7th most popular forex broker among the 67 brokers we have researched. This high visibility is matched by its web traffic, with Similarweb data from February 2026 positioning XTB as the 6th most visited broker globally, attracting 9,098,000 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, 10 rows.

Country	2026 Monthly Searches	Rank
Poland	201,000	1st
Portugal	40,500	2nd
France	27,100	3rd
Spain	27,100	4th
Germany	22,200	5th
Colombia	9,900	6th
Brazil	9,900	7th
Chile	9,900	8th
Peru	9,900	9th
United Kingdom	8,100	10th

3. Reviews

XTB has a TrustPilot score of 3.6 out of 5 from 2,820 reviews, which Trustpilot classes as Average.

What other review sites say about XTB

These are ratings of XTB from other platforms, read on the date shown and expressed on each platform's scale, so you can weigh them against our own score.

Platform	Rating	Volume	Read on
Trustpilot	3.6 / 5	2,819	Sep 10, 2026
Google Play	4.5 / 5	171K	Sep 10, 2026

XTB holds a Trustpilot rating of 3.6 out of 5 from 2,819 reviews, checked Sep 10, 2026.

XTB Online Investing is rated 4.5 out of 5 on Google Play (United States store) from 171K reviews shown worldwide, checked Sep 10, 2026.

Our score is based on published criteria and is not influenced by these third-party ratings.

Our score for XTB is set against every other broker on our forex broker reviews.

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.

XTB’s regulatory reference numbers are: FCA (UK) Firm Reference Number 522157, CySEC (EU) License No. 169/12, and DFSA (UAE) Reference No. F006316 (Category 3A). UK clients are covered by the FSCS up to 85,000 GBP per client, and EU clients are covered by the Investor Compensation Fund (ICF) up to 20,000 EUR.

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. 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 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 UAE (DFSA) clients have support 24/5 (Monday to Friday) via live chat, email and phone, in Arabic and English.

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 24/5 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 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 11,700 instruments (XTB UK site, checked 5 August 2026).

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, 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 53, 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.

About the Review

CompareForexBrokers uses a detailed process to rank 40 brokers based on eight key categories (see Our Methodology). These categories include trading costs, trading experience, trust, trading platforms, customer service, range of markets, education, and funding methods.

This comprehensive approach helps traders find the best forex broker for their needs by considering factors like spreads, commissions, regulatory oversight, order speeds, available products, educational resources, and funding options. Justin Grossbard, the CEO and Co-Founder of CompareForexBrokers, leads this effort, leveraging his extensive experience in the field.