Trading environment
Slippage, stability, execution and pricing anomalies
Public review signals4.3Weight 22%
XTB
KNF
FCAFinancial Conduct Authority
CySECCyprus Securities and Exchange Commission
CNMV
DFSA
IFSC-BZXTB is a Warsaw-listed multi-asset broker founded in 2002. It offers exchange-traded investments and leveraged CFDs through separately regulated entities; products, leverage, protections, costs and payment rules depend on residence and client classification.
Last verified: Aug 12, 2026Sources and audit trail
Overview
XTB is a Warsaw-listed multi-asset broker founded in 2002. It offers exchange-traded investments and leveraged CFDs through separately regulated entities; products, leverage, protections, costs and payment rules depend on residence and client classification.
TraderVote user rating
8.8/10
Trader reviews
1,640
Regulation
Regulated (Tier-1)
Main regulators
KNFFCACySECMain strengths
Main risks
✓ No major risk themes reported
Live collectionUpdated Aug 27, 2026
AI web composite score
Five web-reputation dimensions plus one objective regulatory dimension for XTB
Web reputation 75% 2.8Regulation 25% 9.6
4.5/ 10Weak
Data confidence65% · Medium
Deposits & withdrawals
Funding speed, withdrawals, checks and payment methods
Public review signals1.4Weight 18%
Customer service
Response time, expertise and complaint handling
Public review signals1.7Weight 13%
Trading costs
Spreads, commissions, swaps and hidden charges
Public review signals3.4Weight 18%
Sales conduct
Promotion terms, sales pressure and return claims
Public review signals1.0Weight 4%
Regulation & compliance
Scoring rulesReview sentiment is excluded. Licence quality accounts for 60%, jurisdiction coverage 25%, and Tier-1 diversification 15%. Additional licences have diminishing returns, while enforcement actions or licence suspensions may reduce the score.View full methodology →Licence quality, jurisdiction breadth and regulatory diversification
Objective regulatory facts9.6Weight 25%
Trading environment is the strongest review-based dimension; Sales conduct is the weakest. Regulation & compliance is scored independently from verified licence facts.
| Dimension | Score | related mentions |
|---|---|---|
| Trading environment | 4.3 | 70 |
| Deposits & withdrawals | 1.4 | 55 |
| Customer service | 1.7 | 78 |
| Trading costs | 3.4 | 45 |
| Sales conduct | 1.0 | 9 |
| Regulation & compliance | 9.6 | 6 |
Products
- Foreign-exchange CFDs
- Index and commodity CFDs
- Stock and ETF CFDs
- Cryptocurrency CFDs where permitted
- Exchange-traded stocks and ETFs in supported regions
- Investment Plans and fractional rights where available
Accounts
- Standard account
- Swap Free account in eligible countries
- Professional account where qualification is available
- Permanent USD demo account
Platforms and tools
- xStation web platform provides order entry, charts, market analysis, instrument specifications and account management.
- The XTB mobile app supports live and demo accounts, trading, investing, deposits and withdrawal requests on supported services.
- Platform availability and particular tools differ by entity, country and product.
Funding currencies
USDEURGBPPLN
Support and availability
The international contact page lists 24/5 chat support, while the group page says customer service is available Monday through Friday by email, chat and phone in 18 languages. Exact hours, languages and phone channels vary by branch.
Onboarding selects the contracting entity by residence. The Cyprus entity states that it does not serve US residents, and international pages exclude service where local law prohibits it. Products and professional-client options vary by jurisdiction.
Regulation
Regulators
XTB S.A.
Poland · KNF
- Regulators
- KNF
- Licence / registration number
- DDM-M-4021-57-1/2005
Client protection
Client money and investment assets are safeguarded under Polish and European investment-firm rules. Any compensation-scheme eligibility is conditional; ordinary market losses are not protected.
View protection details
Client money and investment assets are safeguarded under Polish and European investment-firm rules. Any compensation-scheme eligibility is conditional; ordinary market losses are not protected.
The listed group parent and Polish brokerage entity, supervised under the licence granted on 8 November 2005.
Official record ↗XTB Limited
United Kingdom · FCA
- Regulators
- FCA
- Licence / registration number
- 522157
Client protection
Retail client money is held in segregated trust accounts. Eligible claims may receive FSCS protection up to GBP 120,000 if the firm cannot meet its obligations; eligibility, claim type and exclusions apply.
View protection details
Retail client money is held in segregated trust accounts. Eligible claims may receive FSCS protection up to GBP 120,000 if the firm cannot meet its obligations; eligibility, claim type and exclusions apply.
England and Wales company number 07227848.
Official record ↗XTB Limited
Cyprus · CySEC
- Regulators
- CySEC
- Licence / registration number
- 169/12
Client protection
The entity participates in the Cyprus Investor Compensation Fund. Coverage is subject to scheme eligibility and does not reimburse normal investment losses.
View protection details
The entity participates in the Cyprus Investor Compensation Fund. Coverage is subject to scheme eligibility and does not reimburse normal investment losses.
Cyprus company registration HE 296794.
Official record ↗XTB S.A., Sucursal en España
Spain · CNMV
- Regulators
- CNMV
- Licence / registration number
- Branch register 40
Client protection
This is a branch of XTB S.A., not a separately licensed company. Client safeguards follow the home-state authorisation and applicable Spanish conduct rules.
View protection details
This is a branch of XTB S.A., not a separately licensed company. Client safeguards follow the home-state authorisation and applicable Spanish conduct rules.
Registered with CNMV under number 40; NIF W0601162A.
Official record ↗XTB MENA Limited
United Arab Emirates, DIFC · DFSA
- Regulators
- DFSA
- Licence / registration number
- F006316
Client protection
The Category 3A permission includes matched-principal dealing, client-money holding and retail-client service. No fixed statutory compensation amount was verified for all clients.
View protection details
The Category 3A permission includes matched-principal dealing, client-money holding and retail-client service. No fixed statutory compensation amount was verified for all clients.
DIFC registration number 4365.
Official record ↗XTB International Limited
Belize · IFSC-BZ
- Regulators
- IFSC-BZ
- Licence / registration number
- FSC 6442514
Client protection
XTB states that client money is kept separately from company funds. No universal statutory investor-compensation limit was verified for this entity.
View protection details
XTB states that client money is kept separately from company funds. No universal statutory investor-compensation limit was verified for this entity.
Current official footer lists company registration 000000587 and FSC registration 6442514; older documents show superseded identifiers.
Official record ↗Trading conditions
- Spreads from
- 0.5 pips
- Max leverage
- 1:500
- Execution
- XTB uses market execution: execution is sought at the best pric…
- Commission
- Not available
- Platforms
- xStation · XTB Mobile App
- Minimum deposit
- XTB does not set a minimum initial deposit. Individual payment methods, instruments and regional services can impose transaction minimums.
- Spreads and commissions
- The international Standard offer publishes floating spreads from 0.5 pips with no separate CFD commission. Pro or product-specific pricing can use lower market spreads plus commission. Stocks and ETFs are commission-free up to EUR 100,000 monthly turnover in the cited international offer, then 0.2% with a EUR 10 minimum.
- Execution
- XTB uses market execution: execution is sought at the best price it can offer, but the displayed price is not guaranteed and slippage or rejection can occur. The exact counterparty or agency model depends on entity and product.
- Maximum leverage
- The highest verified leverage XTB can provide across all regions is 1:500 for individual clients of the international service on eligible CFDs. It is not universal: UK and European retail caps, entity, instrument, account settings and classification apply. Real stocks and ETFs are not leveraged.
- Margin close-out
- Stop-out is triggered at the margin level specified for the client jurisdiction. The UK terms permit close-out when equity or balance is at or below 50% of blocked margin; an older MT4 education page describes 30% for that service. No single percentage should be applied to every entity or platform.
- Currency conversion
- The cited international pricing page lists a 0.5% currency-conversion fee. Other entities and products can use different schedules.
CFDs are complex leveraged instruments and can cause rapid loss. The displayed 1:500 is the highest verified capability, not a recommendation or a right available to every client; protections and negative-balance rules differ by entity and classification.
Payments
Deposits
1 methods| Method | Minimum | Processing | Fee |
|---|---|---|---|
| Bank transfer, card and supported online paymentsUSD | No XTB minimum deposit | Usually instant | XTB lists no fee for card or bank tra… |
Withdrawals
2 methods| Method | Minimum | Processing | Fee |
|---|---|---|---|
| Withdrawal to a verified bank accountUSD | USD 50 | XTB sends the payment on the… | USD 30 |
| UK-service bank withdrawalGBP · USD · EUR | No minimum | Submitted before 13:00 GMT is… | XTB does not charge a withdrawal fee |
Accounts or cards must be in the client’s name. Availability, limits and checks depend on the contracting entity.
Promotions
Active offers and promotions from XTB
Regional XTB Card purchase cashback
One percent purchase cashback, capped at EUR 20 per month in the cited programme. Merchant, transaction and programme exclusions apply; this is not a trading-deposit bonus.
Eligible users of the multi-currency XTB Card can receive cashback on everyday card purchases, subject to regional programme terms.
Eligibility: Only offered in supported card regions, including the cited Portugal programme. The client must accept the terms, grant required data permissions and complete five qualifying regulated-market transactions to activate the 1% rate.
Official terms ↗Sources and audit trail
Last verified: Aug 12, 2026
- XTB Poland legal informationAug 12, 2026
- XTB Limited Terms of BusinessAug 12, 2026
- How XTB protects UK client moneyAug 12, 2026
- How XTB Limited Cyprus is regulatedAug 12, 2026
- XTB Spain legal informationAug 12, 2026
- XTB MENA General Terms and ConditionsAug 12, 2026
- XTB International account and feesAug 12, 2026
- XTB International leverage helpAug 12, 2026
- XTB market execution explanationAug 12, 2026
- XTB UK withdrawalsAug 12, 2026
- XTB international contact informationAug 12, 2026
- XTB Card cashback programmeAug 12, 2026
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