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XTB Review 2025

Updated:
6.33/10

Overall Score

The purpose of creating the TU Overall Score is to make the search for secure and reliable brokerage companies easier for the visitors of our website. We believe that it is a very important mission as, unfortunately, not every company in the financial industry is worthy of trust.

According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
  • Minimum deposit $1
  • EUR/USD spread 0.6
  • Supported assets 7300
  • Regulation CySEC, FCA UK, KNF, FSC
0*

users picked this broker in 3 months

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Brief Look at XTB

XTB is a multi-regulated Forex and CFD broker licensed by FCA, CySEC, and KNF (Poland), recognized for its strong market presence, transparent pricing, and educational focus. The broker offers a Standard account with competitive spreads and no commission on most instruments. XTB operates its own proprietary platform — xStation 5 — known for its speed, intuitive design, and powerful built-in tools. With no minimum deposit requirement, XTB is suitable for both beginners and advanced traders seeking a flexible and user-friendly trading environment.

  • Advantages
  • Disadvantages
  • No minimum deposit — accessible entry point for all traders

  • Regulated by top-tier authorities — including FCA, CySEC, and KNF

  • Proprietary xStation 5 platform — fast, intuitive, and feature-rich

  • Commission-free trading on most instruments

  • Extensive educational resources and market analysis

  • Inactivity fee applies after 12 months of no trading activity

  • ECN account not allowed

Why trust us

Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.

Learn more about our methodology and editorial policies.

Excellent

XTB Key Parameters Evaluation

Broker ratings for each parameter are based on a detailed analysis of multiple measurable data points. While our methodology considers over 250 data points in total, the number analyzed varies by parameter. This data-driven approach ensures that each score reflects objective and quantifiable criteria, providing traders with a transparent and reliable assessment of broker performance. Learn more about our Methodology.
6.33/10
The purpose of creating the TU Overall Score is to make the search for secure and reliable brokerage companies easier for the visitors of our website. We believe that it is a very important mission as, unfortunately, not every company in the financial industry is worthy of trust.

According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details

Your capital is at risk. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. A high percentage of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Top Forex brokers vs XTB

XTB FBS FxPro
TU overall score 6.33 8.21 8.48
Max. Regulation Level
Tier-1 regulation represents the most stringent oversight by top financial authorities, ensuring the highest level of security and compliance. Tier-2 and Tier-3 regulations indicate moderate to lower levels of oversight, with varying degrees of investor protection.
Tier-1 Tier-1 Tier-1
EUR/USD Spread (Standard acc) 0.6 0.1 0.2
ECN Commission 0 3 3
Withdrawal fee, % No No No

User reviews and loyalty

User reviews and loyalty:
This score is a combined result of two key parameters — User Reviews Score and Customer Loyalty Index — calculated using our proprietary methodology.
7.5/10

XTB generally receives favorable feedback from clients, with many highlighting its trading conditions and service quality. However, as with any broker, user opinions can vary. Analyzing verified reviews offers a clearer picture of how the broker performs in practice, beyond promotional claims. The following sections break down key insights from user reviews and evaluate customer sentiment and loyalty based on verified Trustpilot data.

What are Axi reviews?

User Reviews Score:
This score is a combined result of two key parameters — User Reviews Score and Customer Loyalty Index — calculated using our proprietary methodology.
4.0/5

According to Trustpilot data, users have left over 1,940 reviews about the company. The overall Trustpilot rating for XTB is 4.0.

Note:

Our score may slightly differ from Trustpilot as we use a different scoring methodology. Our User Reviews Score methodology is superior to a simple average calculation as it takes into account not just ratings but also the volume of reviews, their representativeness, and the proportion of negative ones. It mitigates distortions from limited data, encourages companies to collect more high-quality feedback, and minimizes the impact of outlier negative reviews.

4.0/5
rate of 1940 reviews
5-star 62%
4-star 13%
3-star 3%
2-star 3%
1-star 19%

Customer loyalty and perception of CMC Markets

Customer Loyalty Index:
This score is a combined result of two key parameters — User Reviews Score and Customer Loyalty Index — calculated using our proprietary methodology.
3.5/5

The trust and satisfaction index for XTB is derived from the ratio of positive to negative reviews, offering a clear measure of customer loyalty and overall sentiment. Built on data from Trustpilot, a globally recognized platform for consumer feedback, this index provides valuable insight into how the brand is perceived by its customers. A high ratio of positive reviews signals strong loyalty, while a prevalence of negative feedback highlights areas for improvement in the customer experience.

How does XTB show up in online feedback?

XTB receives a generally positive response from users, though a noticeable portion of critical feedback suggests that experiences can vary. While many traders highlight the broker’s strengths, some concerns have been raised that slightly affect its overall reputation.

Does XTB respond to reviews?

Yes, XTB encourages clients to leave feedback on its services, with a total of 98% responses to negative reviews. Engaging with reviews, especially negative ones, is essential as it demonstrates the company's commitment to addressing customer concerns, improving service, and building trust. Responding to feedback shows that the company values transparency and actively works to enhance client satisfaction.

Why do customers appreciate XTB?

Over 75% users have shared their positive experiences, highlighting what they appreciate about XTB.
Top 5 common reasons why people are satisfied with companies in the financial sector based on reviews:

Responsive Customer Support Quick and helpful responses that resolve issues efficiently.
Transparent Fee Structure Clear communication about fees and charges, with no hidden costs.
Strong Security Measures Robust protection and encryption measures, ensuring user data and funds are secure.
Fast and Smooth Withdrawals Efficient processing of withdrawals, allowing easy access to funds.
Reliable Platform Performance Consistent uptime and a user-friendly interface with minimal technical issues.

Commissions and Fees

Score:
We evaluate brokers' fees and spreads by assessing the costs associated with Standard and ECN/Raw spread accounts, including commissions and spreads. Additionally, our evaluation considers extra fees such as deposit/withdrawal charges and inactivity fees. Learn the assessment criteria
5/10

The trading and non-trading commissions of broker XTB have been analyzed and rated as Medium with a fees score of 5/10. Additionally, these commissions were compared with those of the top two competitors, RoboForex and XM Group, to provide the most comprehensive information.

  • Advantages
  • Disadvantages
  • No deposit fee

  • No withdrawal fee

  • Above-average Forex trading fees

  • No ECN/Raw Spread account

  • Inactivity fee applies

Trading Fees and Spread

Below, we evaluated and compared the trading commissions of XTB with those of two competitors. We focused on the spreads and other transaction fees directly associated with executing trades (e.g commission per lot on an ECN account). This comparison aimed to provide a clear understanding of the cost efficiency of each broker.

Standard Account Spread

For Standard accounts, XTB’s commissions are part of the floating spread, which varies with market conditions. Typical values are provided, but during high volatility, the spread may exceed these.

XTB Standard spreads
XTB RoboForex XM Group
EUR/USD min, pips 0.5 0.5 0.7
EUR/USD max, pips 1.2 2.0 1.2
GPB/USD min, pips 0.7 0.5 0.6
GPB/USD max, pips 1.3 1.5 1.2

Does XTB support RAW/ECN accounts?

As we discovered, XTB does not offer RAW/ECN accounts, which might be a drawback for transparency and liquidity. However, this doesn't make the broker uncompetitive. Consider factors like spread levels, execution speed, regulation, support quality, and trading tools when choosing a reliable broker.

Non-Trading Fees

We conducted a detailed analysis of the non-trading fees associated with XTB. This review offers a comprehensive overview of the additional costs that may impact traders beyond regular trading activities.

XTB Non-Trading Fees
XTB RoboForex XM Group
Deposit fee, %
The indicated amount does not include possible fees from payment systems and banks.
0 0 0
Withdrawal  fee, %
The indicated amount does not include possible fees from payment systems and banks.
0 0-4 0
Withdrawal fee, USD, % 
The indicated amount does not include possible fees from payment systems and banks.
0 0-1.3 0
Inactivity fee  ($, per month) 10 0 10

Regulation and Safety

Score:
9.7/10

XTB has a safety score of 9.7/10, which corresponds to a High level. The safest brokers are those with Tier-1 regulation, a long history (over 10 years in the market), and participation in investor compensation schemes.

  • Advantages
  • Disadvantages
  • Tier-1 regulated

  • Negative balance protection

  • Regulated in the UK

  • Track record over 23 years

  • Strict requirements and extensive documentation to open an account

XTB Regulators and Investor Protection
Abbreviation Full Name Country Investor Protection Fund Regulation Level
FCA UK FCA UK Financial Conduct Authority United Kingdom Up to £85,000 Tier-1
CySec CySec Cyprus Securities and Exchange Commission Cyprus Up to €20,000 Tier-1
FSC (Belize) FSC (Belize) Financial Services Commission of Belize Belize No specific fund Tier-3
DFSA DFSA Dubai Financial Services Authority Dubai No specific fund Tier-2

Deposit and Withdrawal

Score:
6.2/10

XTB received a Medium score for the efficiency and convenience of its deposit and withdrawal processes.
XTB excels by providing a broad selection of payment methods, ensuring minimal costs and a seamless experience for users seeking efficient fund management.

  • Advantages
  • Disadvantages
  • No withdrawal fee

  • Minimum deposit below industry average

  • BTC available as a base account currency

  • USDT (Tether) supported

  • Only major base currencies available

  • PayPal not supported

  • Wise not supported

What are XTB deposit and withdrawal options?

XTB provides a basic range of deposit and withdrawal options, covering essential methods in line with industry standards. This set of options is sufficient for most traders, with available methods Bank Card, Bank Wire, Skrill, Neteller, BTC, USDT..

XTB Deposit and Withdrawal Methods vs Competitors
XTB RoboForex XM Group
Bank wire Yes Yes Yes
Bank card Yes Yes Yes
PayPal No No No
Wise No No No
BTC Yes No Yes

What are XTB base account  currencies? Base account currencies are the primary currencies in which trading accounts are denominated. They determine the currency used for deposits, withdrawals, and calculating account balances.Using a base currency that matches a trader's local currency can help avoid unnecessary conversion fees.

A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs for clients worldwide. Axi supports the following base account currencies:

What Are XTB's Minimum Deposit and Withdrawal Amounts?

The minimum deposit on XTB is $0, while the minimum withdrawal amount is $60. These minimums may vary depending on the chosen account type and payment method. For specific details, please contact XTB’s support team.

Trading Account Opening

Score:
6.51/10
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XTB isn't available in
* Location-based content display

We successfully registered an account with XTB, which took 20 minutes. The minimum deposit amount at XTB is $0.

  • Advantages
  • Disadvantages
  • No minimum deposit

  • Fully online

  • Fast registration

  • You may be asked to provide extra documents

  • Only USD available as account currency for non UK/EU clients

XTB Account Opening Documents and Options
Minimum deposit $0
Is it fully online? Yes
Registration time 20 minutes
KYC time 2 working day
Account currencies
Funding options Bank Card, Bank Wire, Skrill, Neteller, BTC (with regional restrictions).

Required documents

Identity verification: Government-issued documents that clearly show your full name, country, photograph, date, and the name of the issuing authority.

Address verification: The list of acceptable documents varies depending on your country of residence.

Account types

XTB offers a wide range of account types, including Standard, Demo and Swap-Free accounts. However, it does not provide ECN or Managed accounts, which may limit options for beginners or passive investors.

XTB accounts
Standard
A general trading account suitable for most traders, offering access to a variety of markets with standard spreads and conditions.
Yes
ECN
Provides direct market access with raw spreads and low latency execution. Typically requires a commission per trade instead of a spread markup. Suitable for high-frequency and professional traders.
No
Swap Free
Designed for traders who follow Islamic finance principles, eliminating overnight interest (swap) charges.
Yes
Micro
Allows trading with micro-lots (0.01 lot = 1,000 units), reducing capital requirements and risk. Ideal for beginners and strategy testing. Availability and conditions vary by broker.
No
Cent
Operates with cent-denominated balances (1 USD = 100 cents), allowing trades with micro-lot sizes (0.01 lot = 1,000 units). Suitable for beginners and low-risk strategies.
Yes
Demo
Enables risk-free trading with virtual funds. Conditions may vary by broker.
Yes
VIP
Offers premium services, lower fees, and dedicated support. Requirements vary by broker.
Yes
Managed
A professional handles trading on behalf of the investor. Risks and fees depend on the provider.
No

How to open XTB account

Click Create Account on the homepage.
Enter your email address and country.
XTB registration form
XTB registration form

Depending on your location, you will be redirected to the appropriate regional website of the broker. The next steps in the registration process may vary accordingly.

Markets and Products

Score:
8.25/10

XTB offers a wider selection of trading assets than the market average, with over 7300 tradable assets available, including 48 currency pairs.

  • Advantages
  • Disadvantages
  • ETFs investing

  • Copy trading platform

  • Indices trading

  • Futures not available

  • Bonds not available

XTB supported markets vs top competitors

We have compared the range of assets and markets supported by XTB with its competitors, making it easier for you to find the perfect fit.

XTB RoboForex XM Group
Currency pairs 48 40 57
Tradable assets
The total tradable assets listed include all available instruments, including CFDs. Due to regional restrictions, certain CFDs may not be offered in some countries. For example, cryptocurrency CFDs are banned in the UK, and the U.S. has restrictions imposed on CFDs.
7300 12000 1400
Stocks Yes Yes Yes
Commodity futures Yes Yes Yes
Crypto
Cryptocurrency CFDs are restricted or prohibited in certain regions due to regulatory limitations. These include the United Kingdom, China, Egypt, the United States and Canada.
Yes No No
Stock indices Yes Yes Yes
Options No No No

Investment options

We also explored the trading assets and products XTB offers for beginner traders and investors who prefer not to engage in active trading.

XTB RoboForex XM Group
Bonds No No No
ETFs Yes Yes No
Copy trading Yes Yes Yes
PAMM investing No No No
Managed accounts No No No

Trading Platforms and Tools

Score:
5.75/10

XTB provides access to its proprietary xStation 5 platform, delivering a fast, user-friendly, and flexible trading experience. Designed in-house, xStation 5 combines advanced charting tools, integrated analytics, and intuitive navigation, making it suitable for both beginners and experienced traders.

  • Advantages
  • Disadvantages
  • Advanced proprietary xStation 5 platform

  • Real-time trading alerts

  • MT5 and cTrader not supported

  • No TradingView integration

Key Information about XTB’s trading platform
Alerts Yes
2FA Yes
EAs Yes
Indicators 30+

xStation 5 is XTB’s proprietary trading platform, built to offer speed, usability, and advanced functionality in one package. Designed for traders of all levels, it features an intuitive interface, fast order execution, and integrated tools for real-time analysis.

The platform includes 30+ technical indicators, multiple chart types, trading from charts, market sentiment tools, and real-time news feeds. It also offers built-in economic calendars, performance statistics, and a range of risk management features.

Tickmill’s MT4 is available on Windows, macOS, iOS, Android, and WebTrader, allowing for flexible trading across desktop and mobile devices.

Key Features:

Intuitive Interface – Clean, user-friendly design suitable for beginners

Integrated Market Tools – News, sentiment, and analytics built into the platform

Fast Execution – Lightning-fast order placement and chart responsiveness

Cross-Device Access – Available on web, desktop, iOS, and Android

xStation 5 replaces traditional platforms like MT4 with a more modern, all-in-one trading solution tailored to XTB’s multi-asset offering.

Additional trading tools

XTB offers a solid set of trading tools focused on speed, insight, and efficiency. Traders benefit from one-click trading, customizable alerts, API access, and free VPS for improved performance. While the platform does not support Autochartist, or TradingView integration, it remains well-suited for manual trading strategies within the xStation 5 environment.

XTB trading tools vs competitors
XTB Eightcap FxPro
Trading bots (EAs) No Yes Yes
Trading Central
Trading Central is a leading provider of investment research and financial market commentary. Integration with Trading Central offers traders advanced analytics, trading signals, and expert market insights, aiding in more informed decision-making.
No No Yes
API
An Application Programming Interface (API) allows traders to connect their trading accounts to custom applications, algorithms, or third-party software. This flexibility enables advanced trading strategies and automated trading solutions tailored to individual needs.
Yes Yes No
Free VPS
A Virtual Private Server (VPS) provides a dedicated and reliable server environment for running trading platforms and EAs without downtime. Free VPS ensures that trading operations continue uninterrupted, even when the trader's personal device is off.
Yes No No
Signals (alerts)
Trading signals or alerts are notifications that provide buy or sell recommendations based on market analysis. These signals help traders make timely decisions by highlighting potential trading opportunities.
Yes No Yes
One-click trading
One-click trading simplifies the trading process by allowing traders to open or close positions with a single click. This feature is particularly useful for scalpers and day traders who need to act quickly in fast-moving markets.
Yes Yes No
Strategy (EA) builder
A Strategy or EA builder is a tool that allows traders to create and test their own automated trading strategies without needing to write code. This empowers traders to customize their trading approaches and backtest them for effectiveness.
No Yes No
Autochartist
Autochartist is a market scanning tool that identifies trading opportunities by analyzing chart patterns and key levels. It provides traders with real-time alerts and actionable insights, helping to improve trading accuracy and efficiency.
No No No
TradingView No Yes No

TU Expert Advice: Is XTB Worth the Try?

Oleg Tkachenko Author and expert at Traders Union

XTB offers financial services with a variety of trading instruments including Forex, CFDs, and cryptocurrencies through xStation 5 platform. The company provides three account types: Standard, Pro, and Islamic, designed for diverse trading needs. With a low minimum deposit of $1 and leverage up to 1:500, XTB supports various trading strategies. Additionally, the broker operates under regulation of the FCA and CySEC, ensuring robust oversight for traders.

However, there are notable drawbacks. The demo account is limited to 30 days, and all available analytical resources are in English, which may not cater to non-English speakers. Additionally, XTB does not offer PAMM accounts, and the focus on European clients may not align with traders from other regions. Therefore, XTB may be more suitable for European traders or those prioritizing tight regulation over diverse account features.

Trade with this broker, if:
  • You prioritize regulated brokers as this broker is regulated by multiple reputable 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 Financial Services Commission (FSC) in Belize.
  • You're in need of advanced trading features, as xStation 5, the platform offered by this broker, provides powerful charting tools, advanced order types, and algorithmic trading options. These features cater to traders who utilize complex trading strategies and require sophisticated tools to execute their trades effectively.
Do not trade with this broker, if:
  • You are located in a country that is not supported by this broker, such as the US and Canada, as you will not be able to open an account or trade with them. It's essential to ensure that your country of residence is supported by the broker before attempting to sign up or conduct any trading activities.

Video Review of XTB

FAQs

How much do you need to start trading with XTB?

XTB does not require a minimum deposit, making it accessible for traders of all experience levels. However, clients should ensure they deposit enough to meet margin requirements and maintain effective risk management. Read more about XTB’s funding policies in our article.

Is XTB a regulated broker or a scam?

XTB is a fully regulated and reputable broker, not a scam. It is licensed by several top-tier regulators, including the FCA (UK), CySEC (EU), and KNF (Poland). These licenses ensure the broker adheres to strict financial and operational standards. Read more about XTB’s regulation and investor protection.

What is the spread for EUR/USD at XTB?

XTB offers competitive spreads, with EUR/USD typically starting from 0.6-0.9 pips on standard accounts. There are no commissions on most instruments, as trading costs are built into the spread. Actual spreads may vary depending on market conditions.

What are XTB deposit and withdrawal options?

XTB supports a range of funding methods, including:

Bank cards (Visa, Mastercard)

Bank transfers

E-wallets (Skrill, PayPal — depending on region)

Deposits are generally fee-free, and most methods are processed quickly. Withdrawal fees may apply based on the amount and method used.

Where is XTB available?

XTB operates globally and accepts clients from most countries across Europe, Asia, Africa, and Latin America. However, it does not offer services to residents of the United States and some restricted jurisdictions. Check XTB’s official website for the latest availability by region.

How many Forex pairs and trading instruments does XTB offer?

XTB gives traders access to over 50 Forex pairs and more than 7,00 instruments, including indices, commodities, stocks, ETFs, and cryptocurrencies. The wide selection allows for multi-asset trading from a single account via the xStation 5 platform.

Articles that may help you

XTB Login: Overview of the Members Area Andrey Mastykin June 2023 How to Open XTB Demo Account Andrey Mastykin August 2023 XTB Educational Programs Review Andrey Mastykin June 2023 XTB Profile Details: Key Information Andrey Mastykin February 2025 XTB Mobile App: Top Pros and Cons Andrey Mastykin June 2023 XTB Affiliate Program Review - Top Pros and Cons Andrey Mastykin June 2023 XTB Account Types - Which is Better for Me? Andrey Mastykin February 2025 How to delete XTB account - Step-by-Step guide Alamin Morshed August 2023 How to Buy/Sell on XTB Andrey Mastykin February 2025

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Latest XTB News

XTB UK doubles profit in 2024 despite 5% revenue dip
XTB UK doubles profit in 2024 despite 5% revenue dip

​XTB Limited, the UK arm of fintech group XTB, ended 2024 with mixed financial results as the company continued its ambitious transition from a

Mirjan Hipolito
28.05.2025

Team that worked on the article

Oleg Tkachenko
Author, financial expert at Traders Union

Oleg Tkachenko is an economic analyst and risk manager having more than 14 years of experience in working with systemically important banks, investment companies, and analytical platforms. He has been a Traders Union analyst since 2018. His primary specialties are analysis and prediction of price tendencies in the Forex, stock, commodity, and cryptocurrency markets, as well as the development of trading strategies and individual risk management systems. He also analyzes nonstandard investing markets and studies trading psychology.

Dr. BJ Johnson
Developmental English Editor

Dr. BJ Johnson is a PhD in English Language and an editor with over 15 years of experience. He earned his degree in English Language in the U.S and the UK. In 2020, Dr. Johnson joined the Traders Union team. Since then, he has created over 100 exclusive articles and edited over 300 articles of other authors.

Mirjan Hipolito
Cryptocurrency and stock expert

Mirjan Hipolito is a journalist and news editor at Traders Union. She is an expert crypto writer with five years of experience in the financial markets. Her specialties are daily market news, price predictions, and Initial Coin Offerings (ICO).