XTB Review: Is It a Reliable Broker?

XTB stands out as a reliable and versatile broker, ideal for traders of all levels. Its intuitive platform, combined with a wide range of financial instruments, makes trading accessible and efficient.

XTB’s customer service is known for its responsiveness and expertise, offering a reassuring user experience.

What’s more, with competitive spreads and transparent costs, XTB is a smart choice for anyone looking to get the most out of their trading investments.

★★★★★ 5/5

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How to Open an Account with XTB

To open an account with this broker, follow these steps:

1. Visit the XTB website: go to XTB’s official website.
2. Click “Open an Account”: on the home page, find and click the “Open an Account” button or a similar option to start the registration process.
3. Fill in the registration form: you will be redirected to a form asking for your personal details.
4. Verify your identity: for security and regulatory compliance reasons, you will need to submit identity verification documents.
5. Fund your account: once your account is approved, make an initial deposit using one of the available payment methods.
6. Download the trading platform: after depositing, download XTB’s trading platform, xStation, available on the web, PC, mobile devices and smartwatches.
7. Start trading: you are now ready to begin your trading journey with XTB.

Is XTB Regulated? Its Licenses Worldwide

To keep its clients’ funds safe, XTB is regulated by several internationally recognized bodies, including:

• The FCA: Financial Conduct Authority;
• The AMF: the broker is authorized by the Autorité des Marchés Financiers;
• The KNF: Poland’s financial supervisory authority.
• CySEC – Cyprus Securities and Exchange Commission
• IFSC – International Financial Services Commission (Belize)
• DFSA – Dubai Financial Services Authority

Being regulated in several parts of the world speaks to this broker’s reliability. In this XTB review, we can also point out that XTB is primarily a European broker.

Trading Accounts Available at XTB

XTB clients can choose between two account types:

• <li”>Standard account

<li”>Limited-risk account

Before opening a live trading account, beginners can get to know the xStation platform on a demo account.

XTB Review: Leverage on Offer

XTB offers maximum leverage of 1:30 for retail accounts and up to 1:200 for professional accounts. However, leverage should be used in moderation to avoid significant losses. For the broker’s full trading conditions, check XTB’s official website.

Trading Instruments Offered by XTB

XTB offers a wide range of financial instruments:

1. Forex – 71 currency pairs
2. Index CFDs – 33
3. Commodity CFDs – 27
4. Cryptocurrency CFDs – 40
5. Stock CFDs – 2,041
6. ETF CFDs – 172
7. Cryptocurrency ETNs – 3
8. Stocks – 3,547
9. ETFs – 464

In total, more than 6,300 instruments can be traded. For a breakdown by asset class, see: www.xtb.com/fr/specificites-des-instruments#actions

★★★★★ 5/5

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Address: Tour Europlaza, 20 avenue André Prothin, 92400 Courbevoie, France.

Chat, email and phone support are open from 8:00 a.m. to 8:00 p.m.

The company adds that “in accordance with Article L.621-9 of the French Monetary and Financial Code, X-Trade Brokers DM S.A. (France) is supervised and regulated by the Autorité des Marchés Financiers (AMF). X-Trade Brokers DM S.A. is a Polish investment firm duly licensed and authorized by the Polish Financial Services Authority (KNF) to carry out its activities in France, under the supervision of the KNF and the Autorité de Contrôle Prudentiel et de Résolution (ACPR), through its Paris branch, under No. 11533 LS.”

XTB Deposits

At XTB, deposits are free (no deposit fees are charged) and can be made from the client area or directly on the trading platform. A wide variety of deposit methods is available:

• Bank transfer;

Credit/debit card;

• Mastercard;

Visa;

• PayU;

PayPal.

XTB Withdrawals

Like deposits, withdrawals at XTB are free and can be made using the same methods as deposits.

XTB Fees

• Deposit and withdrawal fees – €0
• Inactivity fee – €10/month from the 12th month of inactivity
• Currency conversion fee – 0.5%

On top of these low fees, XTB clients benefit from a very competitive offer. CFD spreads, particularly on major Forex pairs, the DE30, the SP500, OIL and NATGAS, are also very competitive, earning XTB a place among the low-spread forex brokers.

XTB Trading Platforms

XTB offers its clients 2 trading platforms:

1. xStation 5 – available on desktop and web
2. xStation Mobile

The xStation platform has won numerous awards:

• 2019 – best investment platform
• 2025 – best mobile trading app
• 2025 – best trading platform at the Paris Technical Analysis Show.

★★★★★ 5/5

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XTB Trading Education

In the Education section of its French website, XTB offers various types of training and educational content to help its traders take their trading to the next level.

The categories available include:

• XTB Academy
• Online courses
• The Help Center
• FAQs

Content is also available in other languages and may vary, such as the popular Trader 21 XTB on the Polish website.

Trading Tools Offered by XTB

To help you better understand what moves the markets and analyze charts effectively, XTB offers several trading tools, such as:

• market analysis and news
• live prices for a range of assets
• an economic calendar
• a market sentiment scanner
• a top movers list showing the biggest current gains and losses across several assets.

XTB Pros

• A wide range of financial instruments
• Up to 5% interest on uninvested cash
• Minimum deposit of just €10
• A broker with more than 20 years of experience
• More than 1 million clients trust XTB
• An experienced client, support and trading team available in French from 9 a.m. to 7 p.m., Monday to Friday
• XTB Academy
• Frequent YouTube videos
• Numerous risk management tools
• PayPal available
• No deposit or withdrawal fees

★★★★★ 5/5

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XTB Cons

• xStation is the only platform offered by XTB, and it is not available on smartwatches
• MetaTrader is no longer available, including for PRO clients
• 1.89% fee on PayPal payments.

XTB Awards

1. Best Trading Platform 2025 at the Paris Technical Analysis Show
2. Best Islamic Broker – Global Venture Awards 2018
3. Best Crypto Broker – Good Money Guide 2018
4. Best Broker in Europe – Global Banking & Finance Review
5. Best Trading Product xStation 5 – FXCUFFS 2017
6. Best Financial Market Forecasts – Bloomberg
7. Best Broker in Poland – Forbes
8. Best Broker FX & CFD – Wealth & Finance International
9. Best CFD Broker 2019 – Brokerchooser
10. Best CFD Broker – M&A Global Awards 2018
11. Best Mobile Investing App – Rankia Awards 2020
12. Best Financial Educator – World Finance Exchange & Brokers
13. Best Online Broker – Investopedia
14. The Best Online Broker – Investopedia
15. Best Broker for Low-Cost Forex Trading – Investopedia 2025
16. Best Customer Service – ForexBrokers com
17. Best NDD Broker 2025 – Online Personal Wealth Awards

Have you used XTB and want to share your experience? Leave us a comment!