XTB Review 2026

How safe is XTB?

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

1. Regulation

A global account is opened with XTB International Limited, Belize company 000000587, authorised and regulated by the Financial Services Commission of Belize under registration 6442514 as a registrant under the Securities Industry Act 2021, and the FSC register lists the company as active. Since March 2026, only residents of sixteen listed countries can open one: Angola, Bermuda, Georgia, Macedonia, Malaysia, Mauritania, Moldova, Montenegro, the Philippines, Saint Kitts and Nevis, Serbia, South Africa, Trinidad and Tobago, Thailand, Vietnam and Zambia. The table below lists the rest of the XTB group, which serves you only if you live elsewhere.

Some of the abbreviations on this page are expanded to the regulator's full name: a broker regulated by FCA is regulated by the Financial Conduct Authority; by DFSA, the Dubai Financial Services Authority. FSCS is the Financial Services Compensation Scheme.

As a client of XTB International Limited you are dealt with on a matched principal basis, and your money sits in a separate trust account, segregated from XTB’s own funds. The client agreement states no negative balance protection policy, so if a forced close leaves your account negative you must top it up straight away, and the agreement names no investor compensation scheme for clients of this company. A complaint goes first to XTB in writing, then to the compliance officer if Customer Services does not resolve it, answered within 30 days or within 60 for a complex case, all under Belize law and the exclusive jurisdiction of the Belize courts. I would weigh those terms carefully against the maximum leverage of 1:500 on offer before you fund an account.

2. Reputation

XTB has been active for more than two decades and drew 556,710 worldwide branded Google searches in September 2026, ranking it the third most popular of the 61 brokers we track. Similarweb data from February 2026 puts XTB as the 6th most visited broker globally, with 9,098,000 visits.

XTB has been listed on the Warsaw Stock Exchange since 2016. The group is present in over 12 countries across 3 continents.

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.

The XTB group counts 2.9 million or more clients across all of its companies, including XTB International Limited.

Show all 65 countries

Country, 55 rows.

Country	2026 Monthly Searches
United States	6,600
Indonesia	6,600
Thailand	5,400
Italy	5,400
Mexico	3,600
Ecuador	3,600
Netherlands	2,900
Vietnam	2,900
United Arab Emirates	2,400
Austria	2,400
Argentina	2,400
Venezuela	2,400
Switzerland	1,900
India	1,300
Morocco	1,300
Saudi Arabia	1,000
Canada	880
Egypt	880
Bolivia	880
Philippines	590
Sweden	590
Algeria	590
Ireland	590
Dominican Republic	590
Nigeria	480
Costa Rica	480
Guatemala	480
Australia	390
Japan	390
Cyprus	390
Turkey	390
Uruguay	390
South Africa	320
Greece	320
Jordan	320
Pakistan	260
Malaysia	260
Panama	210
Honduras	210
Singapore	170
Cambodia	170
Bangladesh	140
Hong Kong	140
Uzbekistan	140
Taiwan	110
New Zealand	90
Sri Lanka	90
Ghana	70
Kenya	50
Uganda	50
Ethiopia	50
Tanzania	40
Mauritius	40
Botswana	30
Mongolia	20

3. Reviews

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

Verdict on XTB Trustworthiness

XTB International Limited is regulated by the FSC of Belize, and its parent has been listed in Warsaw since 2016. The trust score of 53 reflects regulation, reputation and reviews, including one 2018 regulatory fine for irregularities in client order execution and none since.

XTB Limited holds FCA authorisation, FRN 522157, and serves UK clients, the Cyprus company holds CySEC licence 169/12 for EU clients, and XTB MENA Limited appears on the DFSA register with reference F006316 for UAE clients. The FSCS covers UK clients up to 85,000 GBP and the Investor Compensation Fund covers EU clients up to 20,000 EUR, but neither protects an XTB International client like you. The parent, XTB S.A., has been listed on the Warsaw Stock Exchange since 2016 and is supervised by the KNF in Poland, and I take that group history as a point in XTB’s favour even though the Belize company stands outside those schemes.

What traders say about XTB

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	3.8 / 5	3,054	Nov 1, 2026

XTB holds a Trustpilot rating of 3.8 out of 5 from 3,054 reviews, checked Nov 1, 2026.

App Store and Google Play ratings for XTB

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

How popular is XTB?

XTB ranked 3rd for search interest among the 61 brokers we review in September 2026, on 556,710 branded Google searches from around the world, behind Interactive Brokers and Trading 212. Search interest measures attention, not quality; the score above is the review verdict.

3of 61Search interest rank

556,710

Brand searches, September 2026

+21.9%

vs August 2026

14,800

Login searches

8.8%

Share of all searches

Source: Google search volume, Worldwide, September 2026.

How this is measured

Google Ads reports how many times a month people searched each broker's brand terms, and the brokers are ranked on that figure alone.

A term counts for a broker only when that broker's own website holds the first organic Google result for it; bare brand words that any company could own are left out.

A month-on-month change prints only where the previous month reached 1,000 searches, because Google rounds smaller volumes.

The figures refresh on the 15th of each month with the newest month Google has published, and the first-result check repeats every quarter.

XTB by market, September 2026

Market	Rank	Brand searches	vs August
Worldwide	3 / 61	556,710	+21.9%
Malaysia	10 / 16	250	n/a

Source: branded Google search volume, September 2026, covering Worldwide, Malaysia.

XTB at a glance

XTB spreads and fees

What trading XTB costs

One standard lot of EUR/USD on XTB's standard account costs at least US$8.00 for the round turn: 0.8 pips of spread (US$8.00), with no commission.

Cost of trading EUR/USD with XTB, at 1 standard lot and 20 trades a month

Account	A month of trading	One round turn, 1 lot
One spread, no commission0.8 pips, published minimum	at least US$160.00	at least US$8.00

A pip on EUR/USD is US$10.00 per standard lot, so the cost of a round turn is the spread in pips times that, plus any commission.

XTB International’s fee table lists a Standard account and a Swap Free account, with no Pro or raw-spread account on its pages. CFDs carry 0% commission, so the cost sits in the spread. Real stocks and ETFs are free up to 100,000 EUR of monthly turnover, then 0.2% applies with a 10 EUR minimum.

High-volume traders may prefer raw pricing elsewhere, while the commission-free structure suits beginners who want one simple cost.

Standard Account Spreads

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

Avg. spreads are taken from each broker’s website and updated monthly. Last update on 1 Sep 2026, corrected 12 Oct 2026

The spread tables compare published spreads gathered from each broker’s website for standard accounts, updated monthly. The comparison covers more than 40 brokers.

XTB International’s forex page says spreads go as low as 0.8 pips without naming a pair, and the specification table marks forex spreads variable. Two account types, Standard and Swap Free, make up the offer.

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.

The comparison shows where XTB’s spread-only pricing sits against the published standard-account spreads of other brokers.

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. Instead of charging overnight swaps, this account applies 0% commission to CFD trades. Swap-free treatment runs for set periods and covers only a subset of instruments, and the instrument specification table shows the full list.

The Swap Free account covers commodities, indices, ETFs, share CFDs and forex, for specific periods rather than on all products, with the full list in the specification table. Crypto CFDs are not available on it.

You can open the Swap Free account at XTB International Limited with 1 USD, and its minimum spread is 0.7 pips.

Other Fees

At XTB International, withdrawals go only to a bank account in your name, free above 50 USD and 30 USD below that, a charge the fee table also applies to USD bank withdrawals under 100 USD, while e-wallet deposit fees are:

• Skrill 2%, Neteller 1%

The 10 EUR monthly inactivity fee applies only when two conditions hold together: a full year without opening or closing any position, and no deposit across the last 90 days, and nothing is charged while a position is open. A 0.5% fee also applies whenever a currency conversion takes place on your account.

Verdict on XTB Spreads

XTB International prices on a spread-only basis with no commission, and its forex page quotes spreads from 0.8 pips without naming a pair. That suits beginners more than high-volume traders.

Deposits and withdrawals with XTB

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

What is the Minimum Deposit at XTB?

You can start trading at XTB with no minimum deposit. If you live in Canada, minimum deposits at Canadian dealers run from none at all at OANDA (standard pricing), CMC Markets, Interactive Brokers, and Questrade to 5,000 in the account’s base currency at FXCM.

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 International pays withdrawals only to a bank account in your name, processed by the next business day, free above 50 USD and 30 USD below that. The fee table also offers card withdrawals at 1.5% to residents of certain countries.

Verdict on XTB’s Payment Methods

XTB International asks for no minimum deposit, takes no fee on USD bank and card deposits, and charges 2% on Skrill and 1% on Neteller, though a 30 USD fee applies to small withdrawals.

XTB trading platforms and app

A client of XTB International Limited trades on xStation, available as a web app and as the XTB app on iOS and Android. MetaTrader 4 was removed from the offer on 19 April 2024.

• xStation, the broker’s proprietary XTB trading platform, provides full market access to thousands of financial instruments with many useful tools for beginner traders.

xStation

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

XTB app

For trading on the go, XTB’s xStation app is available on both iOS and Android devices.

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.

Trade Experience

For over-the-counter instruments, XTB International Limited deals with the client on a matched principal basis, quoting the prices and volumes. The company says it carries out no speculative dealing on its own account.

A new XTB International client chooses between the Standard account and the Swap Free account.

Verdict on XTB’s Trading Platforms

xStation is the single platform at XTB International, on the web and in the XTB app, with tools that serve traders at every level.

Markets you can trade with XTB

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.
• More than 20 CFD indices.
• More than 30 CFD commodities.
• 6,900+ stocks across 14 markets, plus stock CFDs.
• More than 2,300 ETFs.
• More than 60 crypto CFDs.

Cryptocurrency Trading

XTB International offers 60+ crypto CFDs, traded on xStation with the Standard account. None are available on the Swap Free account.

The crypto CFD range includes Bitcoin, Uniswap, Ripple and Dogecoin.

The range does carry one restriction: cryptocurrency CFDs are not available on the Swap Free (Islamic) account.

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

Verdict on XTB’s CFD Range

An XTB International client can trade more than 12,100 instruments across forex, indices, commodities, stocks and ETFs. The range also covers 60+ crypto CFDs.

XTB customer service, research and education

XTB International provides chat support 24/5, and Customer Service works Monday to Friday by email, chat or phone in 18 languages. The group is present in over 12 countries.

Verdict on XTB’s Customer Support

Help at XTB International is available in 18 languages by email, chat or phone on weekdays, with chat running 24/5.

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: xStation tutorials 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.

Our final verdict on XTB

XTB International Limited opens residents of the sixteen listed countries only, and gives them access to more than 12,100 instruments.(XTB UK site, checked 5 August 2026).

XTB International offers one Standard account and a Swap Free version, both on spread-only pricing. Traders who want a raw-spread account with a separate commission will not find one there.the flexibility of raw spread accounts.

In my view, xStation handles a broad mix of trading styles and needs, while the education and research materials sit at beginner level and can feel thin if you are an advanced trader.

The trust score of 53 draws on regulation, reputation and client reviews. The lack of a minimum deposit and the spread-only pricing count in XTB’s favour, though the slim account range and education pitched at beginners may give some traders pause.

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.