XTB Review 2025: Your Guide to a Leading Global Broker
Explore XTB’s diverse offerings, advanced platforms, and competitive fees to elevate your trading experience.
Introduction
XTB is a globally recognized broker known for its diverse asset offerings, intuitive platforms, and competitive fees. With access to over 5,800 instruments, including forex, stocks, ETFs, commodities, indices, and cryptocurrencies, XTB caters to both beginner and experienced traders. It also stands out with interest paid on uninvested funds and an ISA offering for UK clients. In this review, we’ll explore XTB’s features, fees, regulation, and more to help you decide if it’s the right broker for your trading needs.
Key Features
- Minimum Deposit: $0
- Tradable Assets: Forex, Indices, Commodities, Stocks, ETFs, Cryptocurrencies
- Tier 1 Regulation: FCA, CySEC, KNF
- Trading Platforms: xStation 5, xStation Mobile
- Maximum Leverage: Up to 1:30 (Retail), Up to 1:500 (Professional)
- Main Features: Access to over 5,700 instruments, commission-free trading on stocks and ETFs up to €100,000 monthly volume, user-friendly proprietary platforms, comprehensive educational resources, 24/5 customer support
Pros and Cons of XTB
- Diverse asset selection, including real stocks, ETFs, and CFDs.
- User-friendly proprietary platforms: xStation 5 and xStation Mobile.
- Competitive fees with commission-free stock and ETF trading up to €100,000 monthly volume.
- Regulated by top-tier authorities, ensuring a secure trading environment.
- ISA (Individual Savings Account) offering for UK clients.
- Interest on uninvested funds for eligible accounts.
- Inactivity fee applies after one year of no trading activity.
- Limited access to certain asset classes, such as options.
- No service for clients from the United States.
XTB Fees Overview
XTB provides a competitive fee structure, appealing to both active and passive traders. Here’s a breakdown:
- Forex and CFDs: Low spreads starting from 0.1 pips.
- Stocks and ETFs: Commission-free trading up to €100,000 monthly; 0.2% fee applies beyond this threshold.
- Commodities: Tight spreads on key commodities like gold and oil.
- Cryptocurrencies: Competitive spreads on major crypto CFDs.
- Non-Trading Fees: Free deposits, withdrawal fees of €5 for amounts below €50, and a 0.5% currency conversion fee.
- Inactivity Fee: €10 per month after one year of inactivity.
Disclaimer: Fees are accurate as of January 2025 and are subject to change. Please visit XTB’s official website for the latest updates.
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Discover XTB’s Trading Platform Today!
Assets You Can Trade on XTB
Forex
Spreads starting as low as 0.1 pips.
Leverage options up to 1:30 for retail traders.
Access to advanced trading tools on xStation 5.
Stocks & ETFs
Commission-free trading up to €100,000 monthly volume.
Fractional shares available for flexible investing.
Track performance with advanced research tools.
Crypto
No need to own the underlying asset for trading.
Tight spreads on major crypto pairs.
Trade 24/7 with high liquidity.
Indices
Competitive spreads starting from 0.4 points.
Leverage up to 1:20 for index CFDs.
Real-time market data and analysis tools.
Commodities
Competitive Spreads: Starting from 0.4 points.
Leverage: Up to 1:20 for index CFDs.
Market Data: Real-time price updates.
Analysis Tools: Advanced technical and fundamental research tools.
Investing with XTB
XTB offers a range of investment opportunities, making it an attractive choice for long-term investors. Whether you’re looking for commission-free investing, automated investment plans, or tax-efficient savings options, XTB has you covered.
Commission-Free Investing
Enjoy zero commission on stock and ETF investments up to €100,000 per month.
Investment Plans
Set up automated investment plans to grow your portfolio with ease.
ISA for UK Clients
UK investors can benefit from tax-free investing through XTB’s Stocks & Shares ISA.
XTB Regulation & Security
XTB is a globally recognized broker regulated by multiple top-tier financial authorities, ensuring a secure and transparent trading environment.
Regulated by Top Authorities
- FCA (UK): Financial Conduct Authority – License No. 522157
- CySEC (Cyprus): Cyprus Securities and Exchange Commission – License No. 169/12
- KNF (Poland): Polish Financial Supervision Authority
- CNMV (Spain): Comisión Nacional del Mercado de Valores
- IFSC (Belize): International Financial Services Commission – License No. IFSC/60/413/TS/19
Security & Client Protection
- Segregated Funds: Client funds are kept in separate bank accounts for safety.
- Negative Balance Protection: Traders cannot lose more than their initial deposit.
- Investor Compensation Scheme: Eligible clients may receive protection under regulatory schemes.
- Secure Trading Platform: XTB ensures encrypted transactions and two-factor authentication.
*Regulations may vary based on your country of residence. Always check local requirements.
Leverage & Margin
Leverage
XTB offers leverage up to 1:30 for retail traders and up to 1:500 for professional accounts.
Margin Requirements
The margin requirement depends on the asset class:
- Forex: 3.33% margin (1:30 leverage)
- Indices: 5% margin (1:20 leverage)
- Commodities: 10% margin (1:10 leverage)
- Crypto: 50% margin (1:2 leverage)
*Leverage levels are subject to regulatory restrictions and account type.
Customer Support & Education
Customer Support
XTB provides 24/5 customer support with multiple contact options:
- Live Chat: Instant responses via the website and mobile app.
- Email Support: Reach out via [email protected].
- Phone Support: Dedicated multilingual helpline for traders.
*Support is available in multiple languages, ensuring a smooth experience for global traders.
Education & Training
XTB offers a variety of educational resources for both beginners and experienced traders:
- Trading Academy: Free courses covering trading basics to advanced strategies.
- Webinars: Regular live sessions hosted by experts.
- Market Analysis: Daily insights, news, and professional analysis.
- Demo Account: Test strategies with virtual funds before going live.
*All educational materials are free for XTB users, accessible via desktop and mobile.
Start Trading With XTB Today!
Visit XTB NowCFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.