XTB is primarily a forex and CFD broker and in some countries, you can also trade with real stocks. XTB is a global broker, it has more than ten offices worldwide. In Europe, it serves clients by a UK or a Polish entity. We tested the UK entity, but will provide info on all entities. XTB is listed on the Warsaw Stock Exchange. A listed company is more transparent. It discloses its financials regularly. XTB is authorized and regulated by different regulators, including top-tier regulator, the FCA. XTB is considered safe because it is listed on a stock exchange, discloses its financials, and is regulated by a top-tier regulator.


XTB has average trading fees and low non-trading fees.


  • Low fees
  • No inactivity fee
  • Low financing rate
  • No withdrawal fee




XTB account opening is hassle-free and straightforward. Your account is ready for trading on the same day. 


  • Fast account opening
  • Account opening fully digital
  • User-friendly


  • Sales team may try to contact you

Can you open an account?

XTB accepts customers from all over Europe, and also from most countries around the world. There are a few notable exceptions. You cannot open an account if you are from:

  • USA 
  • Canada
  • India
  • Pakistan
  • Singapore
  • Japan
  • South-Korea 
  • North-Korea
  • Bosnia and Herzegovina
  • Afghanistan
  • Libya
  • Iran
  • Iraq
  • Syria

Minimum deposit

The required minimum differs from country to country. For example in Poland, there is no minimum deposit, while in Spain there is a required minimum of €1,000. Ask the customer service about the minimum balance of your country before you open your account. For UK citizens there is a required minimum account balance of $250/€250/£250. 


XTB’s deposit and withdrawal are cost-friendly, fast, and can be done in several forms. Fees for electronic wallet deposits are quite high.


  • Credit/Debit card deposit and withdrawal available
  • Speedy funding and withdrawal -within 3 days
  • User-friendly


  • High fees for electronic wallets deposit

Account base currencies

At XTB, you will find more base currencies, not only USD like at eToro. The number and the types of them can differ from country to country and there is no official information about this on XTB’s website. We opened an account at the UK legal entity and could choose from four base currencies: USD, EUR, GBP, and HUF. 

Why does the account base currency matter? Because if you fund your account in the same currency as your bank account, currency conversion fees won’t be charged. 

Deposit fee and options

XTB deposit fees are free, except from electronic wallets which is quite high, 2% of the amount. 

There are a lot of transfer options.

  • Bank transfer
  • Credit/Debit card
  • Paypal
  • Skrill
  • Bluecahs*
  • PayU*

*available only at the Polish entity accounts.


XTB’s xStation 5 platform is user-friendly, can be customized, and a have good search function. On the flip side, we missed the two-step login, the leverage setting option, and the more sophisticated order types.


  • Good search function
  • Good customizability (for chart, for workspace)
  • User-friendly


  • No two-step (safe) login
  • Limited order types


XTB’s phone and live chat support are reliable and fast. On the flip side, the e-mail support is slow and the customer service is available only on the workdays.


  • Phone support available
  • Live chat available
  • Relevant answers


  • Slow support for e-mail
  • 24/5 availability


XTB is regulated by more than 10 authorities globally, including the top-tier FCA. It is listed on the Warsaw Stock Exchange and discloses its financials regularly.


  • Regulated by top tier financial authority
  • Listed on stock exchange
  • Well disclosed financial information




XTB is a good broker. It is regulated by more than 10 authorities globally, including the top-tier FCA and it is listed on the Warsaw Stock Exchange. 

On the plus side, deposit and withdrawal are fast. We liked the seamless and hassle-free account opening. The research tools are easy-to-use.

XTB has some drawbacks though. Its product range is mainly limited to FX and CFDs, but there are real stocks too in some countries. When opening the account the sales team can be pushy. We also missed the 24/7 customer support.

We recommend XTB for clients preferring forex and CFD trading and aim for a fast account opening, cheap money withdrawal, and great research tools. 
Feel free to test it even via the demo account.

By trading with securities you are taking a high degree of risk. You can lose all of your invested money. You should start trading only if you are aware of this risk. is not providing any investment advice, we only help you find the best broker suitable for your needs. is free for everyone, but earns commission from some of the brokers. We get a commission, with no additional cost for you. Please use our link to open your account and we can further provide broker reviews for free.
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