Company Profile
Company Profile
Review summary
| Quick XTB Review Summary | |
| Founded in | 1995 |
| Registered in | UK |
| Regulated by | CySEC, FCA |
| Trading Instruments | 6,898, stocks, ETFs, forex, indices, commodities |
| Demo Account | ✅ |
| Min Deposit | £0 |
| Leverage | Up to 1:500 |
| EUR/USD Spread | Floating around 1.0 pips |
| Trading Platform | Mobile, Desktop, Tablet |
| Payment Method | xStation5 (Mobile, Desktop, Tablet) |
| Deposit Fee | ❌ |
| Withdrawal Fee | Free for withdrawal above 50 USD/EUR/GBP |
| 5 USD/EUR/GBP for withdrawal below 50 USD/EUR/GBP | |
| Inactivity Fee | A monthly fee of 10 GBP will be charged if no purchase or sale transaction within 365 days |
| Customer Support | 24/5 live chat |
| Tel: +44 2036953086 | |
| Email: uksales@xtb.com | |
XTB Information
XTB is a UK registered online forex and CFD broker that is regulated by the FCA and CYSEC. The company offers trading in 6,898 financial instruments including stocks, ETFs, forex, indices, and commodities with leverage up to 1:500, spread from 0.5 pips and zero commissions for CFD trading via Mobile, Desktop, and Tablet platforms.

Pros and Cons of XTB
Pros:
- Regulated by CySEC and FCA
- Commission-free trading
- No minimum deposit requirement
- Rich educational resources including educational articles, market analysis, aneBooks
Cons:
- Only offers a standard account type
- Withdrawal below 50 USD/EUR/GBP will be charged a fee of 5 USD/EUR/GBP
- A monthly fee of 10 GBP will be charged if no purchase or sale transaction within 365 days
- Customer support is not available 24/7
Is XTB Legit?
Yes. XTB is currently regulated by Cyprus Securities and Exchange Commission (CySEC) and Financial Conduct Authority (FCA).
| Regulated Country | Regulator | Regulated Entity | License Type | License No. |
![]() | CySEC | XTB Ltd | Market Making (MM) | 169/12 |
![]() | FCA | XTB Limited | Straight Through Processing (STP) | 522157 |


Market Instruments
XTB offer 6,898 tradable instruments, including stocks, ETFs, forex, indices, and commodities. This presents a great opportunity for traders to diversify their portfolio and access multiple markets all within one platform.
| Asset Class | Supported |
| CFDs | ✔ |
| Stocks | ✔ |
| ETFs | ✔ |
| Forex | ✔ |
| Indices | ✔ |
| Commodities | ✔ |
| Cryprocurrencies | ❌ |
| Bonds | ❌ |
| Options | ❌ |
Account Type
XTB only offers a single standard account type, and no minimum deposit requirement.
There are no fees for account opening and maintenance, while 0.5% for currency conversion.
Leverage
XTB offers a maximum leverage of up to 1:500. However, traders need to be aware that high leverage also carries a higher risk of substantial losses, and should only be used by experienced traders who have a good understanding of risk management strategies.
Spreads and Commissions
XTB offers spread from 0.5 pips. Specifically, spread on the EUR/USD pair is floating around 1.0 pips.
As for commissions, there is no commission for trading CFDs, while there may be a commission charged for stocks and ETFs investing. You can find detailed info in the table below:
| Commission for trading CFDs | ❌ | |
| Stocks and ETFs investing commission | For monthly turnover equivalent up to 100, 000 EUR | ❌ |
| After that | 0.2%, min 10 GBP | |
Trading Platform
XTB only offers its proprietary platform, available on Mobile, Desktop, and Tablet devices. It does not support any third-party trading platforms, such as the industry-leading MT4 and MT5, which could be a disadvantage for some traders.
| Trading Platform | Supported | Available Devices | Suitable for |
| Proprietary platform | ✔ | Mobile, Desktop, Tablet | / |
| MT4 | ❌ | / | Beginners |
| MT5 | ❌ | / | Experienced traders |
Deposit and Withdrawal
XTB accepts payments via MasterCard, Maestro, Visa, Bank transfer.
The accepted currencies are USD, EUR, and GBP.
It does not charge any fees for deposits and process them quickly.
Withdrawal above 50 USD/EUR/GBP is free of charge, while withdrawal below 50 USD/EUR/GBP will be charged a fee of 5 USD/EUR/GBP.
As for the withdrawal processing time, withdrawal before 1 PM can be processed on the same business day, while withdrawal after 1 PM will be processed on the next business day.



Conclusion
Overall, XTB is a well-regulated and reputable forex broker with many years of experience in the industry. The company offers a wide range of tradable assets, competitive spreads, and user-friendly trading platforms with advanced features. The educational resources provided by XTB are also a valuable asset for both novice and experienced traders.
However, the limited account options and high withdrawal fees for small amounts may be a disadvantage for some traders.
Overall, XTB is a solid choice for traders looking for a regulated and reliable forex broker.





























jgja1987
Ecuador
I requested a withdrawal of $200, but only $140 arrived in my account. They are withholding funds and are complete scammers.
Exposure
FX2490625354
India
Unable to withdrawals my money 😭
Exposure
Abdullah
Saudi Arabia
I submitted a withdrawal request and I did not receive the withdrawal for more than a month, in addition to the agent for my account does not respond, and the support service available 24 hours does not respond either. I waited for more than a month and I did not receive the withdrawal. I did not receive the withdrawal, they say that the bank rejected the transfer, and the bank recovered the transfer. I told them that if the bank recovers the transfer, they will return the amount to you in less than a week, and therefore you must add the amount to my private trading account. Then the agent for my account told me half a month ago that the bank recovered the transfer and the XTB company will refund the amount to my private trading account in less than 10 days. Now it has been almost thirty days and they have not added my amount. In addition, the agent for my account does not respond and their support service is available 24 hours and they also do not respond
Exposure
How Lare
Nigeria
I’ve been using XTB for a while now, and overall, it’s been a solid experience. The platform (xStation) is clean, easy to navigate, and feels a lot smoother than many brokers I’ve tried before. I also like that they offer a wide range of markets, so I can trade forex, indices, commodities, and even some stocks without needing multiple accounts. That said, XTB definitely isn’t perfect. A lot of what they offer is CFD-based, so it’s more suited for short-term or active trading rather than long-term investing. They also don’t support MetaTrader, which might be a dealbreaker for people who rely on advanced tools or automated strategies. I’ve had mostly smooth withdrawals, but there are times when spreads get a bit wider during volatile periods. Overall, I’d say XTB is a good, reliable option if you want a simple, user-friendly platform and you’re focused on active trading. But if you’re looking to hold assets long-term or you need MT4/MT5 support, you might find it limiting.
Neutral
FX1622014058
Colombia
From 07/31/2025 until today 08/19/2025, my money has not arrived. I contacted my bank, and there is no transfer recorded. Customer service is no longer responding to me today. I fear my money is lost.
Exposure
FX6459449682
Iraq
I traded with the company and made profits, but the interest rate is very high and they only deduct the interest when I send the amount. I cannot withdraw my amount because they control it.
Exposure
adrian17
Bolivia
I withdrew my money yesterday and until now I haven't received anything in my Skrill account. I try to contact them but they only send me pre-programmed messages and tell me that it will take time from the bank. But I withdrew from my Skrill account and I try to communicate with my advisor but she doesn't respond to my questions.
Exposure
Mayerr
United States
Trading hours are convenient, but the spread widens during low liquidity periods. Need to plan my trades accordingly.
Neutral
Wen wen
Taiwan
I deposited a principal of 10,000 yuan, and the other party helped me trade and made a profit of 235,200. However, customer service called me and said that I could not receive the money if I did not sign up for the event. I had to raise a principal of 60,000 yuan before 3 p.m. to continue trading, otherwise I would never be able to withdraw my money. ^_^
Exposure
✨LL✨
United States
Satisfactory experience with XTB. Strong regulatory status. Diverse tradable assets. Zero-commission, competitive spreads. Intuitive xStation 5 platform. Decent educational resources. 1:30 leverage is limiting. Withdrawal fees for small amounts. Overall, a reliable broker.
Neutral
Smartduna
Philippines
Trading with XTB for a year. Regulated by CYSEC, CNMV, and FCA, ensuring fund safety. Zero-commission, competitive spreads from 0.25 pips. User-friendly xStation 5 platform. Helpful educational resources. Limited account options. Responsive customer support, but 24/7 availability would be an improvement.
Neutral
Karim osman
Egypt
Please be very careful for everyone in Egypt and neighboring countries. This company works with fraudulent brokers. There is a partner in Egypt for this company, his name is Mohamed Kamel El-Sayed. And he tells you that he did not promise you anything, and you filed a complaint with the company with all the documents. At first, they denied their knowledge of him, and then when you threatened them to file an oral complaint
Exposure
SUNNY90656
Netherlands
XTB’s xStation 5 gave me lots of confidence when trading on this platform, simple and helpful, mobile app allows me to trade anywhere and anytime. Customer service is also bravo!
Neutral
TERSOR珮卓私人定制
United Kingdom
Trading with this platform is the worst trading experience ever, during my trading process, they began to charge hefty commissions, deliberately manipulated my account… In the end, they rejected my withdrawal requests, closed my account, leaving me nowhere to turn to…What I wanna say is never trust this broker, making a deposit here.
Neutral
diego1517
Colombia
I made a deposit of 200usd I lost .097 cents I had 199.07usd left I requested the withdrawal and I received 179.07 usd I mean they charged a 10% commission I mean it's a scam since they promise what they don't deliver, other than that they close my account why I asked them for the disbursement of the money
Exposure
FX4260675335
Hong Kong
I have complained many times, but it has not gotten better. Copy the original picture to answer. We have millions of deposits at the broker. Currently, almost all of them have been withdrawn, found slipping and almost moved away. Give me many opportunities for improvement and never fix it. I have been slipped for 200 pips.
Exposure
Khitish Dash20293
India
XTB is a complete scam broker don't trust on them and u can i have attached my proof my joiurnal and the withdrawal pending.They have also blcoked me and suspended my account.please be aware.
Exposure
Alexander Ho
Malaysia
All the payment are keep in progress and cancelled only
Exposure
FX1391345937
Mexico
A few days ago, I conducted a currency pair transaction at this broker and set a stop loss with a reasonable margin. The first thing that happened to me was that I opened two operations and waited for the price to change for a period of time. I closed the operation. Colleagues who opened the same operation in the same broker. In other brokers, the price did not touch my stop loss, if they reached the target, the same situation would not happen. [d83d][de24] When he made a statement, his answer was that everything was normal, one month after the incident.
Exposure
FX6091055532
Vietnam
The first 2 screenshots are the trading detail. The SL was at 1880. The candle hit SL and overcome SL a little bit. But when I checked other chart on Tradingview.com and Goldprice.org, the candle did NOT hit 1880. I don't think this issue is slippage. I think they intentionally did that in order to scam. Be aware!!!
Exposure
木子86499
Hong Kong
I withdrew in XTB while the customer service said I was suspected of money laundering and I have to deposit 55% of the account balance to verify capital. Otherwise, my account will be frozen. After I deposited, I was asked to deposit again. I suspected that I was cheated so I didn’t deposit for the credit score. Then I contacted the customer service several times but now I can’t log in. This situation has kept for three days
Exposure
FX3350714255
Vietnam
The app became unresponsive three times. Picture is the truth.
Exposure
鱼15141
Hong Kong
Kep delaying my witdhraw no matter large or small amount. Who can help me?
Exposure