XTB

4.7/ 5

XTB is a publicly listed Polish broker founded in 2002, offering over 10,900 instruments via its proprietary xStation 5 platform. Known for its excellent user experience, commission-free stock and ETF investing, and broad regulatory coverage across Europe, XTB is a top choice for retail traders who prioritise ease of use and product variety.

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Min. Deposit

Spread From

0.9 pips

Regulation

FCA, CySEC, KNF

Full Review

Overview

XTB was founded in 2002 in Warsaw, Poland and is publicly listed on the Warsaw Stock Exchange (WSE: XTB). The broker serves 1.9 million clients globally and has won multiple awards for its proprietary xStation 5 platform, which offers a seamless trading experience for forex, CFDs, stocks, and ETFs all in one interface. XTB holds licences from FCA, CySEC, KNF, BaFin, CNMV, AMF, and others.

Pros

Outstanding xStation 5 platform: Proprietary platform with superior UX, fast execution, and a beautiful interface
Commission-free stocks and ETFs: Real stock and ETF investing with no commission in many regions
Huge product range: 10,900+ instruments including 2,541 stock CFDs, 70+ forex pairs, and 40+ crypto CFDs
Publicly listed and regulated: WSE-listed company with multiple tier-1 licences across Europe
Active trader rebates: Lower Spread Group offers 5–30% rebates for traders doing 20+ lots/month

Cons

No MetaTrader or TradingView: Exclusively xStation 5 — no MT4, MT5, cTrader, or TradingView
No algo or API trading: No automated trading or API access available
No copy trading: Social or copy trading functionality is absent
$10 small withdrawal fee: Withdrawals under €100 incur a €10 fee
Variable spreads: EUR/USD avg 0.92 pips is decent but not the tightest available

Spreads & Fees

Account Type	EUR/USD Spread	Commission	All-In Cost
Standard	Avg 0.92 pips	None	~0.92 pips
Pro (select regions)	Tighter spreads	Commission-based	~0.60–0.80 pips

Stock Trading: Commission-free real stocks in EU (conditions apply). ETF Trading: Commission-free real ETFs available. Overnight (Swap) Fees: Standard CFD holding costs. Withdrawal Fees: Free above €100; €10 fee for smaller withdrawals. Inactivity Fee: €10/month after 12 months with no trades.

User Reviews8

Peter C.

5/5

xStation 5 is genuinely the best trading platform interface I've used. It's fast, clean, and has everything built in. The free stock investing is a huge bonus — I use XTB for both trading and investing.

Hannah W.

4/5

Great for stock CFDs and real stock investing. The platform is a joy to use. My only complaint is no MetaTrader — I still keep an MT4 account at another broker for my EAs.

Lucas B.

3/5

Good broker but missing key features. No copy trading, no algo trading, and no TradingView connection. For a manual trader who likes a clean platform it's excellent. For anything else, look elsewhere.

Sophie G.

5/5

XTB's customer support is outstanding. They helped me understand the margin requirements in detail and the response time via live chat was under 2 minutes. The platform is also excellent.

Tom P.

4/5

Been with XTB for 3 years. Reliable, well-regulated, and the stock investing feature is great for my portfolio. The EUR/USD spread is competitive at 0.92 pips for a no-commission account.

Isabella K.

2/5

I specifically chose XTB because of the platform reviews but discovered there's no API access and no MetaTrader. For systematic traders this is a major limitation.

Mark D.

5/5

Best platform experience of any broker. The real-time P&L, economic calendar integration, and one-click trading on xStation 5 are perfectly implemented. Highly recommended for manual traders.

Chloe R.

3/5

The €10 withdrawal fee for small amounts is annoying. Otherwise a solid broker. Commission-free ETFs are great for long-term investors.

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