XTB at a glance
XTB is an online trading and investment group offering CFDs on forex, indices, commodities, shares and exchange-traded funds, alongside real shares and ETFs in eligible jurisdictions. The group operates through region-specific legal entities.
XTB reports a founding year of 2002 and a head office in Warsaw, Poland. It lists 4 regulators and 2 trading platforms.
BrokerBazaar verdict
Our research team has not yet published a written verdict for XTB. The BrokerBazaar Intelligence Score is 82/100 (low risk), computed from regulatory, operational, transparency, reputation and domain-history signals. Scores are editorial assessments, not user ratings, and are never influenced by payment.
Legal entities, regulation and licences
XTB operates through 3 legal entities, each supervised separately. Your account is with one specific entity, so the protections you receive depend on which one onboards you, not on the group's strongest licence. Overall, the group is supervised by no regulator we could map to a public register.
Licence check: Not independently checked. This broker has submitted its details. BrokerBazaar has not yet independently checked them. A company registration or general business licence is not permission to offer regulated brokerage services; only the register entries linked in the table count.
Countries accepted and restricted
XTB states that it accepts clients from United Arab Emirates, Poland, United Kingdom, Spain. Availability is decided per entity and can change without notice; residents of jurisdictions such as the USA, and often the EU and UK, are frequently excluded from offshore entities.
Trading products, platforms and account types
Instruments: Forex, Indices, Commodities, Stocks, ETFs, Crypto. Platforms: xStation 5, xStation Mobile. Account types: Standard Account, Professional Account — subject to eligibility and region.
Best-for tags assigned by our team: Publicly Listed, Proprietary Platform, Stocks & ETFs.
Minimum deposit, spreads, commissions and other charges
The minimum deposit is $0. Spreads start from 0.3 pips and commission is None (standard) · $0 (raw). Maximum leverage is 1:30, subject to the cap of the entity that holds your account.
Swap-free / Islamic account: not specified. Swap type: variable. Headline spreads are usually quoted for the most expensive account tier's cheapest instrument; compare total cost for your typical trade.
Deposits and withdrawals
Deposit methods: Bank Transfer, Credit Card, e-Wallets. Withdrawal methods: Bank Transfer, Credit Card, e-Wallets.
Withdrawal speed and fees are set by the entity and payment provider. Withdrawal delays are the most common complaint category on BrokerBazaar across all brokers; keep identity documents current and withdraw to the same method you deposited with where required by anti-money-laundering rules.
Execution model, negative balance protection and client money
Negative balance protection: Yes. Scalping allowed: Yes. Algorithmic trading allowed: Yes. News trading allowed: Yes. Hedging: not specified. These conditions were compiled from public information and have not yet been confirmed by the broker.
Client-money rules follow the regulator of the entity that holds your account. Check that regulator's rules on its register.
Complaints and dispute process
Formal complaints: NOT VERIFIED — regional complaint routes apply. Phone: +48 22 273 99 50 — XTB S.A. complaint telephone route. XTB S.A. states that complaints can be made in person at its Warsaw head office, by telephone at +48 22 273 99 50, electronically through the investor-room form, or by post to ul. Prosta 67, 00-838 Warsaw. UK XTB terms state that complaints should be made in writing and may be escalated to the UK Financial Ombudsman Service by eligible retail clients.
If the broker does not resolve a complaint, escalate to the ombudsman or regulator of the entity that holds your account. BrokerBazaar's Dispute Support Desk can help you document and escalate a case.
Strengths and limitations
- Strength: No minimum deposit stated on the current XTB account-and-fees page
- Strength: FCA-regulated UK entity
- Strength: CySEC-regulated EU entity
- Strength: Polish KNF-supervised parent entity
- Strength: CFDs, real shares and real ETFs available in eligible jurisdictions
- Strength: Proprietary xStation trading platform
- Strength: Formal complaint routes are published for Polish and UK operations
- Limitation: Regulatory protection and product availability vary by client entity and residence
- Limitation: UK/EU retail leverage is limited by regulatory rules
- Limitation: No group-wide numerical minimum spread was established
- Limitation: Deposit and withdrawal methods differ by country
- Limitation: No universal group email address was established
Who this broker suits, and who it does not
XTB is most relevant to traders looking for: Publicly Listed, Proprietary Platform, Stocks & ETFs.
It is less suitable for anyone who needs a strict-tier regulator in their own country of residence, for residents of restricted jurisdictions, and for beginners who have not yet understood leverage and margin. Nothing on this page is personal financial advice.
XTB change history
Every published fact change, with the previous value and the date it took effect. Each entry says whether the broker made the change itself or our editors checked it against an official source. Regulation and licence claims are always checked by an editor.
No fact changes recorded for XTB yet. Changes appear here as soon as the broker updates its profile or our editors confirm a change.
Frequently asked questions about XTB
Data sources. Broker submission, the regulator registers linked above, web-archive and domain records, and third-party traffic data. No independent licence check date is recorded yet. External ratings: Trustpilot 3.8/5; WikiFX 7.98/10; Forex Peace Army 2.985/5; Google Play Store 4.5/5; Apple App Store 4.8/5.
Commercial disclosure. BrokerBazaar is independent and not owned by any broker. We have no commercial relationship with XTB. How we make money. Trading leveraged products carries a high risk of loss.