XTB (X-Trade Brokers) Review 2026

By: Oleg Tkachenko
Updated: June 03, 2026

Top Brokers Overview — United States

Visit the site anyway

Min. deposit $0
Fees 5 /10
Account types 6.2 /10
Regulation 9.7 /10

6.6 /10

Moderate risk

XTB User Reviews 7.9
Commissions and Fees 5.0
Regulation and Safety 9.7
Account Types 6.2
Deposit and Withdrawal 6.0
Markets and Tradable Assets 8.3
Trading Account Opening 8.0
Trading platforms & tools 5.8
Mobile Apps 7.0
Customer Support 4.5

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.

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

Score:

7.9 /10

232 total

5-star

28%
4-star

43%
3-star

26%
2-star

2%
1-star

1%

I chose XTB because of its regulated environment — the broker is overseen by the FCA, KNF, and other European supervisory authorities. This adds a level of trust when dealing with larger sums. The average spread on EUR/USD starts from 0.9 pips, with no fixed commission. These conditions are well-suited for long-term trading.

XTB offers trading via xStation Mobile and the desktop version of xStation 5, with a clean interface in both options and no unnecessary visual clutter. The platform panel allows you to quickly switch instruments, view market depth, and modify orders. CFD trading on gold and oil was tested with a $100 deposit; volatility is high, so trading was approached cautiously. Over the course of a week, the result fluctuated around +$6. Spreads are low during quiet market hours but noticeably widen during news periods. Educational materials are provided in the form of structured video courses and webinars, which may be useful for those who prefer a systematic learning approach.

I considered XTB as an alternative to other European brokers. The choice of assets is large, and training on the platform is available free of charge - about 200 video lessons, including on techanalysis and strategy. This is a great help for beginners. Trading itself is stable, no requotes have been noticed.

Рассматривал XTB как альтернативу другим европейским брокерам. Выбор активов большой, а обучение на платформе доступно бесплатно — около 200 видеоуроков, включая по теханализу и стратегии. Для новичков это отличное подспорье. Сама торговля проходит стабильно, реквот не заметил.

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Commissions and Fees

Score:

5 /10

The 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:

9.7 /10

We checked the XTB office

XTB 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	Yes
Verification (KYC)	Yes

Account Types

Score:

6.2 /10

XTB 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.

Demo account
Swap Free (Islamic) account
Low minimum deposit

No ECN/Raw spread account
Micro lots are not available

XTB account types vs top competitors
	XTB	Trading.com	Plus500
Standard	Yes	Yes	Yes
ECN/Raw spread	No	No	No
Demo	Yes	Yes	Yes
Cent	Yes	No	No
Micro	No	No	No
Swap Free	Yes	No	Yes
VIP	Yes	No	No
Managed	No	No	No

XTB 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.

How to buy/sell instruments at XTB

Deposit and Withdrawal

Score:

6 /10

XTB 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.

Bitcoin (BTC) accepted
Low minimum withdrawal requirement
Minimum deposit below industry average
Bank wire transfers available

Limited deposit and withdrawal flexibility, leading to higher costs
Only major base currencies available
PayPal 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	Trading.com	Plus500
Bank Wire	Yes	Yes	Yes
Bank card	Yes	Yes	Yes
PayPal	No	No	Yes
Wise	No	No	No
BTC	Yes	No	No

What 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.

Markets and Tradable Assets

Score:

8.3 /10

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

Copy trading platform
ETFs investing
7300 assets for 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	Yes	No	Yes
Commodity futures	Yes	No	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	Yes
Stock indices	Yes	No	Yes
Options	No	No	Yes

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	Trading.com	Plus500
Bonds	No	No	No
ETFs	Yes	No	Yes
Copy trading	Yes	No	No
PAMM investing	No	No	No
Managed accounts	No	No	No

Trading Account Opening

Score:

8 /10

We 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	Yes	Yes	Yes
Minimum deposit	$0	$50	$100
Mandatory KYC	Yes	Yes	Yes
Registration time (min)	20	20	5
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.

How to close XTB account

Trading platforms & tools

Score:

5.8 /10

XTB 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.

Free VPS for uninterrupted trading
MetaTrader is available
API access for automated trading
One-click trading

No TradingView integration
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	Yes	No	No
MT5	No	Yes	No
cTrader	No	No	No
TradingView	No	Yes	Yes
Proprietary platform	No	Yes	Yes
NinjaTrader	No	No	No
WebTrader	Yes	Yes	Yes

Key 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	Yes
Alerts	No
Trading bots (EAs)	No
One-click trading	Yes
Scalping	Yes
Supported 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.	No	Yes	No
API	Yes	No	No
Free VPS	Yes	No	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 requiring programming skills.	No	No	No
Autochartist Autochartist is a market scanning tool that identifies trading opportunities by analyzing chart patterns and key price levels.	No	No	No

Mobile Apps

Score:

7 /10

XTB 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.

Indicators supported
Mobile alerts supported
Strong Android user ratings, currently at 4.4/5

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	No	Yes	Yes
Mob. Indicators	Yes	Yes	Yes
Mob. Alerts	Yes	Yes	Yes

Customer Support

Score:

4.5 /10

The 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.

Information

In 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, 169/12
Official site	xtb.com
Contacts	sales_int@xtb.com +357 257 25356, +48 222 739 976

Best XTB Alternatives

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XTB Video Guides

FAQs

How safe is trading with XTB in terms of regulation and investor protection?

XTB has a safety score of 9.7/10, categorized as a high security level, and is regulated by Tier-1 authorities such as the FCA in the UK and CySEC in Cyprus. It offers negative balance protection, has been operating since 2002, and provides access to investor compensation schemes of up to £85,000 in the UK and up to €20,000 in Cyprus, while its Belize entity under the FSC does not have a specific investor protection fund mentioned.

What fees and spreads should traders expect at XTB?

XTB’s overall commissions and fees are rated as medium, with a score of 5/10, and its forex trading fees are described as above average. Standard account spreads are floating, with typical ranges such as 0.5–1.2 pips for EUR/USD and 0.7–1.3 pips for GBP/USD, and the broker does not offer RAW/ECN accounts; non-trading fees include no deposit or withdrawal fees but a $10 monthly inactivity fee.

What do XTB user reviews and feedback say about overall satisfaction?

XTB has a user satisfaction score of 7.9/10 based on 232 reviews, with 28% of users giving 5 stars and 43% giving 4 stars. According to user reviews, overall sentiment is mostly positive, while a smaller share of users report neutral or negative experiences.

What deposit and withdrawal options and limits does XTB offer?

XTB provides bank cards, bank wire transfers, Skrill, Neteller, BTC, and USDT for deposits and withdrawals, with no stated withdrawal fee and a low minimum withdrawal requirement. The minimum deposit is $0 and the minimum withdrawal is $60, the only listed base account currency is USD, and the broker’s funding processes are rated as medium with some limitations in currency choice and payment flexibility.

What feedback is available on the XTB mobile trading apps?

XTB’s mobile apps for iOS and Android have a safety score of 7/10 in this review, with reported total downloads of about 5,000,000, an App Store rating of 4.7, and a Google Play rating of 4.4. The apps support indicators and mobile alerts but do not support mobile two-factor authentication, which is noted as a drawback in the feedback presented.