XTB
XTB· 7.5/10 · BUY
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BROKER REVIEWUpdated Jun 9, 2026 · 12 min read · by Daniel Whitmore
XTB

XTB.

XTB is a top-tier broker that delivers on regulation, fees, and platform quality. For most traders, this is an excellent choice.

Daniel Whitmore
Reviewed & written by
Daniel Whitmore · Forex & CFD Specialist
Founded 2002FCA · CySEC500K+ clients
Brokersroom Score
7.5/10
Our Verdict
BUY
83% confidence
Rank in Index
#14 / 50
Mid-tier
Risk Warning
72%
lose money
Visit XTBCompare alternatives →Risk note: CFD trading involves high risk. 72% of retail accounts lose money trading CFDs with this provider.

AT A GLANCE

The facts, not the spin.

Min. deposit

$0

Live account. Demo is free.

Max leverage

1:500

Varies by account & entity.

Withdrawal time

1-3 days

First per month free.

EUR/USD Spread

0.5p

From, not guaranteed

Inactivity fee

None

After 180 days of no trades

Total instruments

–

CFDs · stocks, forex, crypto

Active clients

500K+

Across the XTB group

REGULATION

FCACySECKNF

FCA, CySEC, KNF, DFSA regulated. Client funds held in segregated accounts.

TRADING PLATFORMS

xStation 5MT4

Mobile apps for iOS + Android with one-tap account switching.

INTRODUCTION

What is XTB?

XTB is a globally recognized forex and CFD broker established in 2002 and listed on the Warsaw Stock Exchange. It offers competitive spreads, advanced platforms like xStation 5 and MT4, and services millions of clients worldwide under multiple major regulators.

WHERE XTB WINS · WHERE IT LOSES

Pros & cons.
Severity-ranked, not just listed.

What we like

5 items
  • Excellent proprietary xStation 5 platformMajor plus
  • Commission-free stock and ETF tradingMajor plus
  • Outstanding educational content and webinarsNotable
  • Competitive spreads from 0.1 pipsNotable
  • Listed on Warsaw Stock ExchangeMinor

What we don't

5 items
  • Limited product range compared to some competitorsDealbreaker
  • Inactivity fee after 12 monthsMajor issue
  • Customer support can be slow during peak timesMajor issue
  • No US clients acceptedMinor
  • Higher spreads on some exotic pairsMinor

OUR VERDICT

Our call: BUY.
Worth your money.

XTB is a globally recognized forex and CFD broker established in 2002 and listed on the Warsaw Stock Exchange. It offers competitive spreads, advanced platforms like xStation 5 and MT4, and services millions of clients worldwide under multiple major regulators.

OPEN AN ACCOUNT IF

  • •Excellent proprietary xStation 5 platform
  • •Commission-free stock and ETF trading
  • •Outstanding educational content and webinars

LOOK ELSEWHERE IF

  • •Limited product range compared to some competitors
  • •Inactivity fee after 12 months
  • •Customer support can be slow during peak times
BROKERSROOM SIGNAL · BUY
7.5/10
Based on 6 categories · weighted
Regulation & trust8.0
Fees & spreads7.5
Platform & tools8.0
Range of markets7.0
Education & research6.5
Mobile experience8.5
Confidence in this verdict: 83%.

LIVE FEE COMPARISON

What you'll actually pay.

All-in cost to trade 1 standard lot of EUR/USD. Lower is better. We use spread + commission + overnight to get the real number — not the headline rate.

THIS BROKERXTB
7.5/10
$0
€0.50
None
–
Capital.com
8.7/10
$20
€0.60
None
–
ActivTrades
8.4/10
$0
€0.50
None
–
Markets.com
8.3/10
$100
€0.60
None
–
eToro
8.3/10
$50
€1.00
None
–
i
Our take on XTB's pricing: The fee structure is competitive on some instruments, but not the cheapest in the market.

BROKERS WE'D PICK OVER XTB

Honest swap suggestions.
Same regulation. Better deal.

Yes, we may earn affiliate revenue if you open an account with any of these brokers. Our editorial picks are based on the same scoring criteria we apply to every broker we track. Commission rates never influence our rankings.

ALTERNATIVE 01Best for EU
C

Capital.com

8.7

Same EU regulation, more instruments, lower fees. The obvious upgrade.

BETTER AT

Lower fees · More markets

Read Capital.com review
ALTERNATIVE 02Rising Fast
A

ActivTrades

8.4

Zero commission. More instruments. Bigger upside ahead per our forecast.

BETTER AT

Zero fees · Rising fast

Read ActivTrades review
ALTERNATIVE 03Social Trading
M

Markets.com

8.3

If copy trading is your draw, the social network here is much larger.

BETTER AT

Better copy trading

Read Markets.com review
Daniel Whitmore

Review Written By

Daniel Whitmore

Forex & CFD Specialist

Daniel Whitmore is a Forex & CFD Specialist at BrokersRoom and a former FX dealer. He tests brokers' real trading conditions from a dealer's-eye view — measured spreads, execution quality and total cost per lot — and writes the platform's forex and CFD broker reviews.

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