Last updated: September 30, 2025
Overall Rating
4.4
out of 5.0
Score Breakdown
Who Is This Broker For?
Best for: Active traders who value platform quality, education, and research. Suitable for intermediate to advanced traders.
Pros & Cons
Pros
- Award-winning xStation 5 platform with advanced charting
- Comprehensive educational academy with courses and webinars
- Strong market research and analysis tools
- Publicly traded company with transparent financials
- Competitive spreads on major currency pairs
- Free demo account with real market conditions
- Multi-asset trading: forex, stocks, indices, commodities, crypto
Cons
- Stock commissions can be higher for low-volume traders
- Inactivity fee (€10/month after 12 months of no activity)
- CFDs carry high risk; not suitable for all investors
- Limited copy trading features compared to social platforms
Fees & Costs
Spreads
From 0.8 pips on EUR/USD; competitive on majors
Commission
$0 on forex and CFDs; 0.2% min $10 on stocks (depending on turnover)
Overnight/Swap
Market-based swap rates; visible in platform
Deposit Fee
$0 for most methods; bank fees may apply
Withdrawal Fee
$0 for withdrawals; some methods may have limits
Trading Platforms
xStation 5 (Web)
xStation Mobile
MT4
Safety & Regulation
Regulated by:
FCA (UK)
CySEC (Cyprus)
KNF (Poland)
IFSC (Belize)
Available in: Europe, LATAM, Asia, Middle East; not available in USA
Availability
Countries: Europe, LATAM, Asia, Middle East; not available in USA
Languages: 25+ languages including en, es, pt, de, fr, it, pl, ar, ru
Payment Methods
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Credit/Debit Card
$0 from XTB • Instant
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Bank Transfer
$0 from XTB; bank fees may apply • 1-3 business days
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PayPal
$0 from XTB • Instant
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Skrill
$0 from XTB • Instant
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Neteller
$0 from XTB • Instant
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SPEI
$0 from XTB; bank fees may apply • Instant-1h
Frequently Asked Questions
Is XTB good for beginners?
Yes, XTB is excellent for beginners who are serious about learning to trade, though it may feel overwhelming at first due to its professional-grade features. The platform offers one of the industry's best education programs with free courses, webinars, and market analysis that help newcomers understand trading concepts. The XTB Trading Academy covers everything from basic forex principles to advanced technical analysis. The xStation 5 platform is intuitive despite being powerful, with helpful tooltips and a clean interface. XTB also provides a free demo account with $100,000 in virtual funds and real market data, allowing you to practice without risk. However, beginners should invest time in education before trading real money, as CFDs carry high risk – 72-83% of retail accounts lose money.
What is xStation 5?
xStation 5 is XTB's award-winning proprietary trading platform, available as both a web application and mobile app, designed for speed and functionality. It features advanced charting with over 30 technical indicators, customizable layouts, and one-click trading for fast execution. The platform includes integrated market analysis, an economic calendar with real-time event updates, and sentiment data showing how other traders are positioned. Unique features include the Trading Calculator that helps you calculate position size and risk, Market Scanner to find trading opportunities, and Heat Maps showing market correlations. xStation 5 is known for being faster and more intuitive than MetaTrader 4, though it doesn't support automated trading robots (EAs). The platform updates regularly with new features based on trader feedback.
What is the minimum deposit at XTB?
XTB has no minimum deposit requirement in most markets, meaning you can start with any amount you choose – even $1 if you want. This makes it accessible for beginners or those wanting to test the platform with small capital. However, realistically, you'll need at least $100-200 to trade effectively with proper risk management and position sizing. Some payment methods or regions may have practical minimums imposed by payment processors (e.g., some banks have minimum transfer amounts). While XTB doesn't require a minimum deposit to open an account, there is a €10 monthly inactivity fee if you don't execute any trades for 12 consecutive months and have a balance. For optimal trading experience, most experienced traders recommend starting with at least $500-1,000.
Does XTB offer demo accounts?
Yes, XTB offers a completely free demo account with $100,000 in virtual funds that perfectly replicates the live trading environment. The demo account uses real market prices and conditions, allowing you to test the xStation 5 platform, practice strategies, and learn how different markets work without risking real money. Unlike many brokers, XTB's demo account never expires and can be used indefinitely – if you run low on virtual funds, you can request a balance reset. You can register for a demo account without providing verification documents, making it instant to set up. The demo account includes all the same features as a live account: advanced charting, market analysis, trading calculator, and access to all instruments. XTB strongly recommends spending at least 2-4 weeks on the demo before transitioning to live trading.
How does XTB make money with zero commissions?
XTB primarily earns revenue through spreads on forex and CFD trading – the difference between the buy and sell price of each instrument. For example, if EUR/USD has a 0.8 pip spread, that's XTB's profit margin on each trade. On stock trading, XTB charges a commission structure: 0.2% of trade value with a minimum of $10 per side for standard accounts, though active traders with higher monthly volume receive discounts down to 0.1%. XTB also earns from overnight financing charges (swap rates) when you hold leveraged positions overnight. The company is publicly traded on the Warsaw Stock Exchange (ticker: XTB), so its financial statements are transparent and publicly available. This pricing model allows XTB to offer a professional platform while keeping entry costs reasonable, though high-volume stock traders should compare commission rates with discount brokers.
Is XTB regulated?
Yes, XTB is highly regulated by multiple tier-1 financial authorities and is one of the most transparent brokers in the industry. XTB is licensed by the UK's Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), and Poland's Financial Supervision Authority (KNF). XTB Group is publicly traded on the Warsaw Stock Exchange (since 2016), which adds an extra layer of transparency and oversight – you can view their financial reports and quarterly earnings. Being regulated by FCA and KNF means XTB must segregate client funds, maintain capital requirements, and provide investor compensation scheme coverage (up to £85,000 for FCA, €20,000 for CySEC). XTB has won numerous industry awards and has been operating since 2002 with a strong compliance record. The entity serving you depends on your country of residence.
What markets can I trade on XTB?
XTB offers an extensive range of markets across multiple asset classes, totaling over 6,000 instruments. Forex trading includes 50+ currency pairs (majors, minors, and exotics) with competitive spreads starting from 0.8 pips on EUR/USD. Stock CFDs cover over 3,000 stocks from global exchanges including NYSE, NASDAQ, LSE, and European markets. You can trade 40+ major stock indices like S&P 500, DAX, FTSE 100, and Nikkei. Commodities include 24+ instruments covering precious metals (gold, silver), energy (crude oil, natural gas), and agricultural products. Cryptocurrency CFDs are available on 20+ digital assets including Bitcoin, Ethereum, and Litecoin. ETF CFDs cover 200+ exchange-traded funds. All CFD trading allows you to go long (buy) or short (sell) on price movements without owning the underlying asset.
How do I open an XTB account?
Opening an XTB account is straightforward and typically takes 5-10 minutes to complete the application. Visit XTB.com and click 'Open Account' – you'll provide basic personal information including your name, email, phone number, date of birth, and address. Next, you'll complete a suitability questionnaire about your trading experience, financial situation, and investment knowledge (required by financial regulations). After submitting your application, you'll need to verify your identity by uploading a government-issued ID (passport or driver's license) and proof of address (utility bill, bank statement, or tax document dated within the last 3 months). Verification is usually instant during business hours but can take up to 24 hours. Once approved, you can deposit funds via card (instant) or bank transfer (1-3 days) and start trading immediately. There's no minimum deposit required to open the account.
Does XTB charge withdrawal fees?
No, XTB does not charge withdrawal fees for most withdrawal methods, which is a significant advantage over many competitors. Bank wire transfers, card withdrawals, and e-wallet withdrawals (PayPal, Skrill, Neteller) are all processed free of charge by XTB. However, intermediary banks may charge fees for international wire transfers, which are beyond XTB's control. Withdrawals must be made to the same source as your deposits (anti-money laundering requirement). Processing times vary by method: e-wallets are typically processed within 24 hours, card withdrawals take 3-5 business days, and bank transfers take 2-5 business days. First-time withdrawals may take slightly longer due to additional security verification. There's no minimum withdrawal amount, and you can withdraw available funds at any time – funds in open trades cannot be withdrawn until positions are closed.
What is the XTB Trading Academy?
The XTB Trading Academy is one of the most comprehensive free educational programs in the online broker industry, designed to help traders at all levels improve their skills. It includes structured courses covering forex basics, technical analysis, fundamental analysis, risk management, and trading psychology. The Academy offers live webinars several times per week hosted by professional analysts, covering market analysis, trading strategies, and platform tutorials. Premium content includes market updates, daily technical analysis, and trading ideas across multiple markets. Video tutorials walk through platform features and trading concepts step-by-step. XTB also publishes daily market commentary and economic calendar analysis. All educational content is completely free with no hidden costs or account balance requirements. This extensive education program is particularly valuable for beginners and intermediate traders looking to develop their skills systematically.
Can I use MetaTrader 4 with XTB?
Yes, XTB supports MetaTrader 4 (MT4) in addition to their proprietary xStation 5 platform, giving you flexibility in platform choice. You can download MT4 from XTB's website and log in with your existing account credentials – both platforms access the same account balance. MT4 offers the ability to use Expert Advisors (automated trading robots), custom indicators, and algorithmic trading strategies, which aren't available on xStation 5. However, XTB's xStation 5 platform is generally faster, more modern, and includes features MT4 doesn't have like the Trading Calculator, Market Scanner, and Heat Map. Many traders use MT4 for automated strategies or custom indicators while using xStation 5 for manual trading and analysis. Note that XTB does not offer MetaTrader 5 (MT5), only MT4. You can switch between platforms at any time without affecting your account or open positions.
What is the XTB inactivity fee?
XTB charges a €10 monthly inactivity fee if you don't execute any trades for 12 consecutive months and have a positive account balance. This fee applies only to funded accounts that remain inactive – simply having funds in your account without trading triggers the fee after one year. To avoid the fee, you need to execute at least one trade every 12 months; just logging in or depositing funds doesn't reset the counter. The fee is automatically deducted from your account balance each month after the 12-month threshold until your balance reaches zero or you resume trading. If your account balance is less than €10, the fee will equal your remaining balance. To prevent this fee, set a reminder to execute a small trade at least once per year, or withdraw your funds if you plan to be inactive. This fee is industry-standard and helps cover the regulatory and operational costs of maintaining dormant accounts.
Does XTB offer cryptocurrency trading?
Yes, XTB offers cryptocurrency CFD trading on 20+ popular digital assets including Bitcoin, Ethereum, Litecoin, Ripple, Bitcoin Cash, and other major cryptocurrencies. Trading crypto CFDs means you're speculating on price movements without owning the actual cryptocurrency – you don't need a crypto wallet and can profit from both rising and falling prices. XTB's crypto CFDs are available 24/7, matching the cryptocurrency market's trading hours including weekends. You can use leverage on crypto positions (typically 1:2 for retail clients under ESMA regulations), though this increases risk significantly. Spreads on cryptocurrency CFDs are wider than on forex due to market volatility and liquidity conditions. XTB does not offer spot cryptocurrency trading or the ability to withdraw actual coins – if you want to own real cryptocurrency, you'll need a dedicated crypto exchange. The minimum position size makes crypto CFD trading accessible even with small accounts.
How long do XTB withdrawals take?
Withdrawal processing times at XTB depend on your chosen payment method but are generally faster than industry average. E-wallet withdrawals (PayPal, Skrill, Neteller) are typically processed within 24 hours on business days, making them the fastest option. Credit and debit card withdrawals usually take 3-5 business days to appear in your account, depending on your card issuer's processing time. Bank wire transfers take 2-5 business days for domestic transfers and 3-7 business days for international wires. First-time withdrawals may require additional verification and can take up to 3 business days for security purposes. XTB processes withdrawal requests during business hours Monday-Friday, so requests made on weekends are processed the following Monday. You'll receive email confirmation when your withdrawal is approved and when funds are sent. There are no withdrawal fees from XTB, and there's no minimum withdrawal amount.
What customer support does XTB provide?
XTB provides comprehensive customer support through multiple channels with generally responsive service. Live chat is available 24/5 (Monday-Friday, 24 hours) in multiple languages, making it the fastest way to get help. Phone support is available in many countries with local phone numbers and multilingual staff – UK users can call the London office, while other regions have dedicated local support. Email support typically responds within 24 hours for non-urgent inquiries. The XTB website features an extensive Help Center with FAQs, video tutorials, and trading guides covering most common questions. Account managers are assigned to active traders who meet certain volume thresholds, providing personalized support and market insights. The XTB Trading Academy team also provides educational support through webinars and training materials. While support quality is generally rated highly, response times can be longer during market volatility or peak hours. Support is available in 25+ languages, ensuring you can get help in your preferred language.
Sources & Citations
- https://www.xtb.com/
- https://www.fca.org.uk/
- https://www.knf.gov.pl/