Overall Rating
4.4
out of 5.0
Score Breakdown
Who Is This Broker For?
Best for: Active traders who value platform quality, education, and research. Suitable for intermediate to advanced traders.
Pros & Cons
Pros
- Award-winning xStation 5 platform with advanced charting
- Comprehensive educational academy with courses and webinars
- Strong market research and analysis tools
- Publicly traded company with transparent financials
- Competitive spreads on major currency pairs
- Free demo account with real market conditions
- Multi-asset trading: forex, stocks, indices, commodities, crypto
Cons
- Stock commissions can be higher for low-volume traders
- Inactivity fee (€10/month after 12 months of no activity)
- CFDs carry high risk; not suitable for all investors
- Limited copy trading features compared to social platforms
Fees & Costs
Spreads
From 0.8 pips on EUR/USD; competitive on majors
Commission
$0 on forex and CFDs; 0.2% min $10 on stocks (depending on turnover)
Overnight/Swap
Market-based swap rates; visible in platform
Deposit Fee
$0 for most methods; bank fees may apply
Withdrawal Fee
$0 for withdrawals; some methods may have limits
Trading Platforms
xStation 5 (Web) xStation Mobile MT4
Safety & Regulation
Regulated by:
FCA (UK) CySEC (Cyprus) KNF (Poland) IFSC (Belize)
Available in: Europe, LATAM, Asia, Middle East; not available in USA
Availability
Countries: Europe, LATAM, Asia, Middle East; not available in USA
Languages: 25+ languages including en, es, pt, de, fr, it, pl, ar, ru
Payment Methods
- Credit/Debit Card$0 from XTB • Instant
- Bank Transfer$0 from XTB; bank fees may apply • 1-3 business days
- PayPal$0 from XTB • Instant
- Skrill$0 from XTB • Instant
- Neteller$0 from XTB • Instant
- SPEI$0 from XTB; bank fees may apply • Instant-1h
Frequently Asked Questions
Is XTB good for beginners?
Yes, especially if you want to learn. XTB's educational resources are excellent, though the platform has more features than basic brokers.
What is xStation 5?
XTB's proprietary trading platform with advanced charting, one-click trading, and integrated research. Available on web and mobile.
What is the minimum deposit at XTB?
No minimum deposit required in most markets. You can start with as little as you want, though check country-specific requirements.
Does XTB offer demo accounts?
Yes, free unlimited demo account with $100,000 virtual funds and real market data.
How does XTB make money with zero commissions?
XTB earns from spreads on forex/CFDs and commissions on stock trades. Volume discounts available for active traders.
Is XTB regulated?
Yes, XTB is regulated by tier-1 authorities including FCA (UK) and KNF (Poland). It's also publicly traded on the Warsaw Stock Exchange.
What markets can I trade on XTB?
Forex (50+ pairs), stocks (3000+), indices (40+), commodities (24+), cryptocurrencies (20+), and ETFs (200+).
Sources & Citations
- https://www.xtb.com/
- https://www.fca.org.uk/
- https://www.knf.gov.pl/