XTB
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.
Visit WebsiteMin. Deposit
$0
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.
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.
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.
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.
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.
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.
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.
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.
The €10 withdrawal fee for small amounts is annoying. Otherwise a solid broker. Commission-free ETFs are great for long-term investors.