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  • 76-83% of retail CFD accounts lose money
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  • 76-83% of retail CFD accounts lose money

Review XTB

Founded in 2002, XTB is a global brokerage with offices across Europe, offering access to a wide range of financial instruments, including forex, commodities, cryptocurrencies, indices, and shares. Known for its competitive spreads and advanced trading platform, xStation 5, XTB provides a seamless trading experience with real-time analytics and risk management tools. The firm offers multiple account types, catering to both beginners and professionals, and emphasizes education to help traders make informed decisions.

Recommended to

XTB is ideal for traders focused on CFD trading in forex, commodities, cryptocurrencies, indices, and shares. It’s suited for both beginners and experienced traders who value competitive spreads, advanced tools, and real-time market analytics.

Pros

  • High returns on cash balances
  • Quick and fee-free withdrawals
  • Commission-free stocks and ETFs up to a monthly limit

Cons

  • Currency conversion fees (relatively high)
  • Inactivity fees

Review’s Keypoints

Country of regulation

United Kingdom, Poland, Cyprus, Spain, Belize

Minimum deposit

$0

Time to open an account

1-2 days

Trading fees class

Low

Deposit with bank card

Yes

Number of base currencies supported

4

Products offered

Currency Pairs

Stock CFD

Stock Index CFD

ETF CFD

Commodity CFD

Crypto

Depositing with electronic wallet

Yes

Demo account provided

Yes

Fees

XTB offers low trading and non-trading fees, with many withdrawals being free and commission-free stock and ETF trading up to certain limits. The broker also pays 5% interest on USD cash balances. However, an inactivity fee applies after a period of inactivity. Overall, XTB is a cost-effective platform with transparent pricing and advanced tools for traders.

Pros

  • Competitive trading fees
  • Interest on uninvested cash

Cons

  • Inactivity fees

Transfers

XTB offers quick deposits via bank transfer, credit/debit cards, and e-wallets like PayPal and Skrill, often with no fees. Withdrawals are typically free for amounts over $100 and processed within 1-2 business days via bank transfer. XTB ensures fast, flexible, and low-cost fund transfers.

Pros

  • Wide variety of transfers methods
  • Withdrawals are free for amounts over $100.

Cons

  • Limited account currencies available

Offering

XTB In Numbers:

0
Forex Pairs
0
Stock CFDs
0
Active Clients Globally

Currency Pairs

XTB offers a variety of currency pairs, including major, minor, and exotic options. With competitive spreads, real-time data, and fast execution, it's a great platform for forex traders of all levels.

Stock Index CFD

XTB offers Stock Index CFDs on major global indices like the S&P 500 and DAX, with competitive spreads, leverage, and real-time data for efficient trading.

Stock CFD

XTB offers Stock CFDs, allowing traders to speculate on the price movements of global stocks without owning the underlying assets. With access to popular companies, competitive spreads, and leverage, traders can benefit from both rising and falling markets using XTB's advanced platform tools.

ETF CFD

XTB offers ETF CFDs, enabling traders to speculate on the performance of various exchange-traded funds without owning the underlying assets. With leverage and competitive spreads, traders can access a wide range of ETFs and take advantage of market movements using XTB’s advanced trading platform.

Commodity CFD

XTB offers Commodity CFDs, allowing traders to speculate on the price movements of key commodities like gold, oil, and silver. With leverage and competitive spreads, traders can access both rising and falling markets through XTB’s advanced trading platform.

Crypto

XTB offers cryptocurrency trading, allowing users to trade popular digital assets like Bitcoin, Ethereum, and Ripple. With competitive spreads, leverage, and real-time data, traders can access the fast-moving crypto market and benefit from both price increases and declines on XTB’s platform.

Tools

XTB offers advanced trading tools, including customizable charts, technical indicators, risk management features, market sentiment data, and a trading calculator, helping traders make informed decisions and manage trades efficiently.

Advanced Charting

XTB's Advanced Charting tool offers customizable charts with multiple time frames, technical indicators, and drawing tools. It helps traders analyze market trends, spot opportunities, and make informed decisions, suitable for both beginners and advanced users.

Technical Indicators

XTB’s Technical Indicators tool offers over 30 indicators like moving averages and RSI, enabling traders to analyze market trends and make informed decisions. It's customizable for both beginners and advanced traders.

Price Alerts

XTB’s Price Alerts tool allows traders to set notifications for specific price levels on various assets. When the price reaches the chosen level, an instant alert is sent, helping traders stay informed and react quickly to market movements without constantly monitoring the platform.

Trading Calculator

XTB's Trading Calculator helps traders calculate important trading details like potential profit or loss, margin requirements, and pip values before placing a trade. This tool ensures better risk management and informed decision-making by providing precise data based on trade size, asset, and leverage.

Regulation

XTB is a well-regulated broker, ensuring safety and transparency for its clients. It is regulated by top-tier authorities, including the Financial Conduct Authority (FCA) in the UK, the Polish Financial Supervision Authority (KNF), the Cyprus Securities and Exchange Commission (CySEC), and the International Financial Services Commission (IFSC) in Belize. These regulations ensure that XTB meets strict standards for client fund protection, transparency, and operational reliability, providing traders with confidence in the platform’s security and compliance with global financial laws.

Bottom Line

The bottom line for XTB is that it’s a well-regulated broker offering a broad range of products, including forex, stock CFDs, indices, commodities, cryptocurrencies, and ETFs. With competitive fees, advanced tools, and a user-friendly platform, it is ideal for traders who focus on CFD trading. XTB is recommended for both beginners and experienced traders looking for a reliable, transparent trading experience.
However, the platform has some limitations, such as a limited selection of base currencies and an inactivity fee for dormant accounts. Overall, XTB provides a solid trading environment with robust features and access to global markets.

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  • 76-83% of retail CFD accounts lose money