Loading live market data…
FXMARE editorial rating, not user reviews.
A publicly listed, multi-regulated Polish broker offering zero-commission CFDs and real stock investing via its award-winning xStation 5 platform.
Spreads, minimum deposit and leverage are indicative and vary by account type and jurisdiction — confirm current terms on the broker’s site.
A publicly listed, multi-regulated Polish broker offering zero-commission CFDs and real stock investing via its award-winning xStation 5 platform.
XTB is regulated by FCA (UK), CySEC (Cyprus), KNF (Poland), CNMV (Spain), BaFin (Germany), DFSA (UAE), IFSC (Belize). Independently verifiable licences include CySEC CIF 169/12. It ranks among the most trusted, tier-1-regulated brokers in this comparison.
EUR/USD spreads are around 0.9 pips, with $0 (Standard CFD accounts; legacy Pro account charged ~$7 round-turn but is no longer offered to new clients) commission. The minimum deposit is $0 (no minimum) and maximum retail leverage is 1:30 (EU/UK retail), 1:500 (non-EU/offshore entities). Swap-free (Islamic) trading is offered conditionally — Available via XTB International (non-EU/UK) entity only; UK and EU clients are not eligible. Swap-free applies to specific instruments and specific holding periods only — not all products qualify. An admin fee replaces swap charges. Clients must open a separate swap-free account (existing accounts cannot be converted). No public fatwa or independent Sharia certification has been issued as of mid-2025..
Platforms include xStation 5, MT4. XTB provides ~11,000+ (including ~2,300 CFDs on forex, indices, commodities, crypto, stock CFDs, ETF CFDs; plus real stocks and ETFs for investing accounts) across Forex, funded via Bank transfer, Credit/debit card, PayPal (select regions), Skrill (2% fee), Neteller (1% fee).
XTB stands out for its exceptional regulatory depth — FCA, CySEC, KNF, and several other top-tier licenses, backed by a Warsaw Stock Exchange listing that adds a layer of public accountability rare among CFD brokers. The zero-commission structure and no minimum deposit make it genuinely accessible, and xStation 5 is one of the most polished proprietary platforms in the retail space. The main weaknesses are the retirement of the raw-spread Pro account for new clients, the absence of MT5/cTrader for algorithmic traders, and a meaningful 2026 KNF regulatory fine that warrants monitoring as a conduct-of-business flag.
Headquarters: Warsaw, Poland · Funding: Bank transfer, Credit/debit card, PayPal (select regions), Skrill (2% fee), Neteller (1% fee)
Licence numbers link to each regulator’s public register so you can verify them yourself. Last checked 2026-06-25.
XTB is authorised by FCA (UK), CySEC (Cyprus), KNF (Poland), CNMV (Spain), BaFin (Germany), DFSA (UAE), IFSC (Belize). Brokers regulated in tier-1 jurisdictions are generally required to hold client money separately from company funds and may offer protections such as negative-balance protection or an investor-compensation scheme — the exact safeguards depend on the entity you sign up with. As with all trading, your capital is at risk. Confirm which entity, licence and protections apply to your country on the regulator’s register before funding an account.
Available on desktop, web and mobile. Tradable across Forex. Track every position you take with XTB in the FXMARE trading journal.
XTB stands out for its exceptional regulatory depth — FCA, CySEC, KNF, and several other top-tier licenses, backed by a Warsaw Stock Exchange listing that adds a layer of public accountability rare among CFD brokers. The zero-commission structure and no minimum deposit make it genuinely accessible, and xStation 5 is one of the most polished proprietary platforms in the retail space. The main weaknesses are the retirement of the raw-spread Pro account for new clients, the absence of MT5/cTrader for algorithmic traders, and a meaningful 2026 KNF regulatory fine that warrants monitoring as a conduct-of-business flag.
No reviews yet — be the first trader to review XTB.
No complaints filed against XTB. If you’ve had an unresolved issue, you can file one above.
FXMARE may earn a commission if you open an account through links on this page, including any placement marked Sponsored. This does not affect our independent rating of XTB. Trading forex and CFDs carries a high level of risk and most retail accounts lose money. This review is information, not financial advice — verify all terms with the broker directly.
