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.
XTB Pros & Cons
- minimum deposit - $1;
- a wide range of trading instruments;
- branches in 12 countries.
- the demo account is only available for four weeks;
- all analytical materials provided by the broker are exclusively in English;
- no PAMM accounts;
- the broker is focused on European clients.
The X Trade Brokers (hereinafter “XTB”) is registered in Belize and provides a fairly extensive list of financial services to traders. The company was incorporated in 2002 and its financial regulator is the Belize International Financial Services Commission (FSC, 000302/438), CySEC (169/12), FCA (522157). The broker has offices in Spain, Poland, and the UK, where it is authorized and regulated by the National Financial Supervision Commissions. The XTB is focused on working primarily with European investors. It has several significant awards, including the Best Broker in Europe award by Global Banking & Finance Review and Best Financial Teacher by World Finance Exchange & Brokers.
TU Expert Verdict
XTB demonstrates moderate stability and can suit certain traders. Its conditions are acceptable, and feedback is mixed but reasonable. In my own tests, it performed adequately, though it lacks the consistency of higher-rated companies.
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XTB User Reviews
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5-star
28%
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4-star
43%
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3-star
26%
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2-star
2%
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1-star
1%
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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 criteria5 /10The trading and non-trading commissions of XTB have been analyzed and rated as having Medium fees, with a fees score of 5/10. Additionally, these commissions were compared with those of the top two competitors, OANDA and FOREX.com, to provide the most comprehensive information.
- No deposit fee
- No withdrawal fee
- Above-average Forex trading fees
- No ECN/Raw Spread account
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 OANDA FOREX.com EUR/USD min, pips 0.5 0.1 0.7 EUR/USD max, pips 1.2 0.5 1.2 GPB/USD min, pips 0.7 0.1 0.9 GPB/USD max, pips 1.3 0.5 1.4 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 OANDA FOREX.com 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 0 Withdrawal fee, USD The indicated amount does not include possible fees from payment systems and banks. 0 0-15 0 Inactivity fee ($, per month) 10 0 15 -
Is XTB Safe?
Score:We evaluate brokers' safety based on several key criteria. The highest value is placed on regulation, especially Tier 1 regulation, which ensures adherence to stringent standards set by top financial authorities like the FCA in the UK, CFTC in the US, CySEc and BaFin (EU) or ASIC (Australia). High scores are also given for participation in investor protection funds, which safeguard clients' funds in case of broker insolvency. Learn the assessment criteria9.7 /10We checked the XTB officeXTB has a safety score of 9.7/10, which corresponds to a High security 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.
- Tier-1 regulated
- Negative balance protection
- Regulated in the UK
- Track record over 24 years
- Strict requirements and extensive documentation to open an account
XTB Regulators and Investor Protection Abbreviation Full Name Country of regulation Investor Protection Fund Regulation Level 
FCA UK Full Name Financial Conduct Authority Country of regulation United Kingdom Investor Protection Fund Up to £85,000 Regulation Level Tier-1 
CySec Full Name Cyprus Securities and Exchange Commission Country of regulation Cyprus Investor Protection Fund Up to €20,000 Regulation Level Tier-1 
FSC (Belize) Full Name Financial Services Commission of Belize Country of regulation Belize Investor Protection Fund No specific fund Regulation Level Tier-3 XTB Security Factors Foundation date 2002 Negative balance protection YesVerification (KYC) Yes -
Account Types
Score:We evaluate a broker’s account offering by analyzing the range and suitability of available account types and how effectively they cater to different trader profiles and strategies. Our assessment covers the diversity of account options — including Standard, ECN/Raw, Cent, Swap-Free (Islamic), and VIP accounts — as well as the flexibility of trading conditions provided. Learn the assessment criteria.6.2 /10XTB offers the following account options: Demo, Standard, Cent, Swap Free, VIP.
However, XTB does not provide an ECN account with direct market access, which may be a drawback for experienced traders or scalpers seeking the lowest spreads.
- Exclusive VIP account with enhanced trading conditions
- Demo account
- Swap Free (Islamic) account
- No ECN/Raw spread account
- Micro lots are not available
XTB account types vs top competitors XTB Trading.com Plus500 Standard YesYesYesECN/Raw spread NoNoNoDemo YesYesYesCent YesNoNoMicro NoNoNoSwap Free YesNoNoVIP YesNoNoManaged NoNoNoXTB accounts trading conditions
The XTB broker offers several types of accounts. The Standard account is more suitable for novice traders, while the Pro and Islamic accounts are designed for professionals. The main differences between the accounts are: the minimum spread size, additional commissions for contracts for cryptocurrency, stocks, and indices, as well as the existence of swaps.
Types of accounts:
Account Type Description Standard It’s an account with a deposit of $1. The minimum spread is 0.5 pips. Leverage is up to 1:500. The minimum lot size is 0.01. There is no additional commission for cryptocurrency, stock, and index contracts. This is the best option for beginners; Swap Free It’s an account with a deposit of $1. The spread floats and the minimum spread for currency pairs is 0.7 pips. The minimum lot size is 0.01. Leverage is up to 1:500. Additional commission for contracts for cryptocurrency, stocks, and indices is from $10. A distinctive feature of this type of account is that no swap is charged. It’s designed for clients who practice Islam. The broker also has the opportunity to open a demo account, but only for four weeks. After that, the demo account is blocked.
XTB is a broker that focuses mostly on experienced traders.
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Deposit and Withdrawal
Score:This section assesses the efficiency, speed, and affordability of brokers’ transaction processes, focusing on available methods, currencies, and fees. For further details, please refer to our data-focused methodology6 /10XTB received a Medium score for the efficiency and convenience of its deposit and withdrawal processes.
XTB provides a reasonable range of deposit and withdrawal options with moderate fees, in line with industry standards.
- No withdrawal fee
- Minimum deposit below industry average
- Bank wire transfers available
- Bank card deposits and withdrawals
- Limited deposit and withdrawal flexibility, leading to higher costs
- BTC not available as a base account currency
- Only major base currencies available
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 Trading.com Plus500 Bank Wire YesYesYesBank card YesYesYesPayPal NoNoYesWise NoNoNoBTC YesNoNoWhat are XTB base account currencies?
A wide range of base account currencies minimizes the need for currency conversion, potentially reducing transaction costs. XTB supports the following base account currencies: USD.
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.
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Markets and Tradable Assets
Score:The evaluation in this section is based on the TU methodology and reflects the total number and variety of tradable assets offered by the broker, including Forex currency pairs. It also considers the availability of passive income tools such as PAMM accounts, copy trading, and similar services. All information is obtained from publicly available sources and may change. Learn the assessment criteria8.3 /10XTB offers a wider selection of trading assets than the market average, with over 7300 tradable assets available, including 48 currency pairs.
- 48 supported currency pairs
- Copy trading platform
- Crypto trading
- Bonds not available
- Futures not available
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 Trading.com Plus500 Currency pairs 48 69 60 Total 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 on CFDs. 7300 69 2800 Stocks YesNoYesCommodity futures YesNoYesCrypto 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. YesNoYesStock indices YesNoYesOptions NoNoYesInvestment 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 Trading.com Plus500 Bonds NoNoNoETFs YesNoYesCopy trading YesNoNoPAMM investing NoNoNoManaged accounts NoNoNo -
Trading Account Opening
Score:We evaluated Trading Account Opening at XTB by testing the registration process under real conditions, including opening an account and funding it with the minimum required deposit (but no less than $100). Our assessment considered whether onboarding was fully online, the average registration time, the speed of KYC verification, and how quickly traders could activate their accounts. Learn the assessment criteria.8 /10We successfully registered an account with XTB in 20 minutes. The KYC verification was completed within 2 business days. The minimum deposit amount at XTB is $0. This is one of the most accessible and hassle-free onboarding procedures on the market.
- Fully online account opening process
- Low minimum deposit requirement
- Account approval may require extra time depending on the documentation.
- Registration process may take longer than expected
XTB account opening XTB Trading.com Plus500 Online Registration YesYesYesMinimum deposit $0 $50 $100 Mandatory KYC YesYesYesRegistration time (min) 20 20 KYC time (days) 2 2 3 Is XTB available in my country?
If you are a citizen of United States, the broker accepts clients from your country.
Please note that availability may vary due to regulatory requirements, so we recommend confirming directly with the broker for the most accurate and up-to-date information.
Account opening details
Do you want to trade with XTB and receive compensation from Traders Union using the rebate service? Then you need to do the following:
Register on the Traders Union website, and then follow the affiliate link to the broker's website. Then click on the "Create Account" button.
Complete your registration by providing your email address, your country of residence, and agreeing to the terms of the broker's services. The next stage of registration involves creating a password, as well as uploading information on sources of income and income tax return information.
The following useful functions will be available to you in your personal account:
- actual quotes of currency pairs..
- formation of statistics (statement) of trade..
XTB Login: overview of the members area
Also, other useful functions will be available in the Personal Account:
- access to affiliate programs;
- access to trading terminals and quotes;
- technical support and help from a personal manager;
- change of personal data.
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Trading platforms & tools
Score:This section evaluates the quality and variety of trading platforms offered by the broker. It considers supported platforms, core features, device compatibility, and the availability of tools for automation, analysis, and different trading styles. Learn the assessment criteria5.8 /10XTB received a score of 5.8/10, reflecting an average offering in terms of trading platforms and tools. The broker covers essential functionality but may fall short in some advanced features or platform diversity compared to leading competitors.
- MetaTrader is available
- API access for automated trading
- One-click trading
- Free VPS for uninterrupted trading
- No access to a proprietary platform
- No access to cTrader and its advanced tools.
- EAs not allowed
Supported trading platforms
XTB supports the following trading platforms: MT4, WebTrader. This selection covers the basic needs of most retail traders. We also compared XTB’s platform availability with that of top competitors to assess its relative market position.
XTB Trading.com Plus500 MT4 YesNoNoMT5 NoYesNocTrader NoNoNoTradingView NoYesYesProprietary platform NoYesYesNinjaTrader NoNoNoWebTrader YesYesYesKey XTB’s trading platform features
We also evaluated whether XTB offers essential trading features that enhance user experience, accommodate various trading styles, and improve overall functionality.
Supported features 2FA YesAlerts NoTrading bots (EAs) NoOne-click trading YesScalping YesSupported indicators 59 Tradable assets 7300 Additional trading tools
XTB offers several additional features designed to enhance the trading experience. These tools provide greater automation, deliver advanced market insights, and help improve trade execution.
XTB trading tools vs competitors XTB Trading.com Plus500 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. NoYesNoAPI YesNoNoFree VPS YesNoNoStrategy (EA) builder A Strategy or EA builder is a tool that allows traders to create and test their own automated trading strategies without requiring programming skills. NoNoNoAutochartist Autochartist is a market scanning tool that identifies trading opportunities by analyzing chart patterns and key price levels. NoNoNo -
Mobile Apps
Score:This section assesses the quality and functionality of the broker’s mobile trading apps. It takes into account app ratings, number of downloads, platform features such as two-factor authentication (2FA), mobile alerts, and technical indicators, ensuring traders can manage positions and monitor markets effectively from their smartphones. Learn the assessment criteria7 /10XTB supports mobile trading, offering dedicated apps for both iOS and Android. XTB received a score of 7/10 in this section, indicating a generally acceptable mobile trading experience.
- Mobile alerts supported
- Strong Android user ratings, currently at 4.4/5
- Indicators supported
- Mobile 2FA not supported
We compared XTB with two top competitors by mobile downloads, app ratings, 2FA support, indicators, and trading alerts.
XTB Trading.com Plus500 Total downloads The parameter reflects the combined number of installations from both the Apple App Store and Google Play. It serves as an approximate indicator of the broker’s mobile trading app popularity and user adoption across platforms. 5,000,000 50,000 10,000,000 App Store score App store scores reflect the average user ratings of the broker’s mobile applications on the Apple App Store and Google Play. These ratings indicate user satisfaction based on criteria such as usability, stability, performance, and overall experience. 4.7 4.8 4.7 Google Play score 4.4 4.7 4.4 Mob. 2FA NoYesYesMob. Indicators YesYesYesMob. Alerts YesYesYes -
Customer Support
Score:We evaluated Customer Support at XTB by opening a real account funded with the minimum required deposit (no less than $100) and contacting support to measure response time under real conditions. Our assessment considered contact channels, response speed, multilingual support, and availability hours. Learn the assessment criteria4.5 /10The broker’s customer support shows noticeable weaknesses in responsiveness or communication quality. Delays in replies are common, and resolution may require repeated contact.
In TU testing, response speed was below expectations, and assistance was limited in depth. Traders who rely heavily on support may experience inconvenience.
InformationIn case of questions or problems during the workflow, a trader can contact the support service, which works around the clock, 5 days a week.
- The FAQs section provides answers to the most common questions
- Availability of email support
- Availability of phone support
- Support does not work on weekends
- No feedback form
- No online chat
- Support is provided in English only
- It takes about 3-4 days to receive a response
You can contact XTB support specialists in the following ways:
- by phone, as indicated on the website;
- by email;
- in the company's offices.
Support is available both on the XTB broker's website and via your personal account, in the "Support" section.
Contacts Foundation date 2002 Registration address 35 Barrack Road, 3rd Floor, Belize City, Belize, C.A. Regulation FSC (Belize), FCA, CySEC Licence number:
000302/46, 522157, 169/12Official site xtb.com Contacts sales_int@xtb.com +357 257 25356, +48 222 739 976
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FAQs
How is XTB regulated and what safety measures are mentioned in the review?
XTB has a safety score of 9.7/10, described as a High security level, and is regulated by Tier-1 authorities such as the FCA in the UK and CySEC in Cyprus, as well as the FSC in Belize (Tier-3). The review notes investor protection funds of up to £85,000 under the FCA and up to €20,000 under CySEC, along with negative balance protection, mandatory KYC verification, and a foundation date of 2002.
What do reviews say about XTB’s commissions, spreads, and non-trading fees?
The review rates XTB’s overall fee level as Medium, with a commissions and fees score of 5/10, and notes that Forex trading fees are above average and there is no ECN/Raw Spread account. It specifies that Standard account spreads on EUR/USD typically range from 0.5 to 1.2 pips and GBP/USD from 0.7 to 1.3 pips, while non-trading fees include no deposit or withdrawal fees but a $10 per month inactivity fee.
What do user reviews and feedback indicate about overall satisfaction with XTB?
The user satisfaction score for XTB is 7.9/10 based on 232 reviews, with 28% 5-star, 43% 4-star, 26% 3-star, 2% 2-star, and 1% 1-star ratings. According to user reviews, overall sentiment is mostly positive, although a notable share of 3-star ratings suggests some mixed experiences.
How do traders describe the XTB account opening process in their feedback?
The review states that opening an account with XTB took 20 minutes, with KYC verification completed within 2 business days, and highlights a $0 minimum deposit and a fully online process. It also notes that registration and account approval may take longer depending on documentation, and that the personal account area provides access to trading terminals, quotes, statistics, affiliate programs, and support, while specific steps for closing an account are not detailed in the section.
What platform features and trading tools at XTB receive notable feedback in the review?
The review describes XTB’s trading platforms and tools as average, with support for MT4 and WebTrader, one-click trading, scalping, 2FA, and access to 7,300 tradable assets, but without MT5, cTrader, or a proprietary platform. It also notes that EAs are not allowed, alerts are unavailable, while free VPS and API access are offered, and third-party tools like Trading Central and Autochartist are not provided.
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I agree — licenses from the FCA and KNF really inspire confidence. I also considered XTB as a platform for medium- and long-term trades, especially with currency pairs. A spread of around 0.9 pips on EUR/USD is reasonable, especially since there’s no commission. Another plus is their solid analytics and educational resources, which make it easy to grow within the broker’s ecosystem.