XTB Review - What to expect from the Broker in 2026

In this review, we take a look at XTB, a popular investing and trading app and broker. We will examine the broker's background, trading platform, fees and overall offer.

XTB is a leading European broker with an international presence that was founded in 2004. The company attracts traders through its extensive catalogue featuring thousands of instruments spanning global markets, tight spreads, and the robust xStation platform. XTB is one of the world’s largest publicly listed brokers, with local offices across 11 countries, including key financial centers such as London, Paris,  Warsaw, Berlin, and Prague. The broker is licensed and authorised by 4 regulatory bodies, in Europe by the CySEC (Cyprus), KNF (Poland), FCA (The UK) and in Belize by the FSC.

Detailed information about XTB

• Website: www.xtb.com
• Instruments: CFDs on Forex, Cryptocurrencies*, Indices, Commodities, Shares and ETFs  + Real Stocks and ETFs.
• Minimum deposit: $1 (Account base currencies: USD, EUR, GBP, PLN, CZK, HUF)
• Demo account: Yes, free of charge (30-day expiry)
• Methods of deposit and withdrawal: Debit/Credit Card, bank transfer, PayPal, Paysafe. Withdrawals are processed the same day if requested before 1 pm, and the next day if requested after.

XTB Trading Platform: xStation

XTB has its own proprietary trading platform called xStation, available on web, desktop, and mobile devices. It measures up more than favourably against many of its competitors, combining a clean and modern interface with a genuinely impressive suite of built-in tools. It is intuitive enough for first time traders while still offering the depth that more experienced traders expect.

Beyond market execution, xStation offers all the standard order types you would expect, including limit orders, stop loss, and take profit. A handy addition is the ability to set a specific expiry date and time on any pending order, so if it hasn't triggered by then, it is automatically cancelled. It is a small but practical touch for traders who plan their entries in advance.

The platform includes an economic calendar, market sentiment indicators, real-time news, price alerts, trading calculators, and multiple chart types including candlestick, bar, line, and area. Traders also have access to a solid range of technical indicators and drawing tools such as trendlines, Fibonacci retracements, and support and resistance markers.

Particularly noteworthy is xStation's built-in performance analytics dashboard, which tracks your win rate, average profit and loss, risk-reward ratio, and performance broken down by asset class, all without needing any third-party tools. 

Although it does not support third-party software such as custom indicators or Expert Advisors, which are available on MetaTrader platforms, xStation’s greatest advantage is its highly intuitive interface. It is particularly suitable for traders who appreciate simplicity, a modern design, and a seamless set of integrated tools within one platform.

Assets Available on XTB

With XTB, traders can access a global marketplace of over 11,500 trading instruments. This extensive range allows for diversified investment strategies across various markets. With this broker, investors have access to both CFDs and some real underlying assets. Let’s first look at the CFDs available:

• Forex - With XTB, traders can explore a wide range of 71 currency pairs. These range from major and minor pairs to a variety of exotic options.
• Indices - XTB also provides access to over 30 global indices, including popular ones like UK100, DE30, US500, US2000, FRA40, EU50, and more.
• Commodities - XTB offers a range of popular commodities for trading. These include gold, silver, oil, natural gas, and cocoa.
• Stocks - XTB also allows for the speculating of the prices of company stocks from various countries like the US, UK, and more. Popular stocks like AAPL (Apple), AMZN (Amazon), BARC (Barclays), and BMW are available.
• Cryptocurrencies - Further, investors can explore the world of cryptocurrencies with XTB, trading over 40 popular digital assets such as Bitcoin, Ethereum, Stellar, and Dogecoin via CFDs. (Cryptocurrencies are available exclusively within the European Economic Area)
• ETFs - ETFs are also available to trade on the XTB broker site. These allow investors to diversify their portfolios by investing in entire sectors, industries, and even regions.

And now the real underlying assets:

• Stocks - On XTB, traders have access to real underlying company stocks. This means that you will own the stocks that you purchase until you sell them.
• ETFs - XTB also allows investors to buy and sell real ETFs. There are over 500 different funds available to trade on this broker site. 

XTB’s Fees and Spreads

XTB primarily offers a single trading account type, the standard account. This account is designed to accommodate traders of all experience levels, from beginners to seasoned professionals. This account features highly competitive spreads, making XTB one of the lowest spreads brokers in the world. Traders can benefit from spreads starting as low as 0.8 pips on major currency pairs, with no commission fees on forex trades. The only additional cost is a swap fee for holding positions overnight, which varies depending on the asset and position size.

XTB also provides a swap-free account for traders who cannot pay overnight fees. This swap-free account maintains similarly low spreads, starting from 0.7 pips on major currency pairs, and, like the standard account, has no commission charges. This account is perfect for Muslim traders who cannot pay swap fees due to Sharia law restrictions. Please note that the Islamic account is only available from predominantly Islamic countries like the UAE, Saudi Arabia, Kuwait, Oman, Qatar, Jordan, Bahrain, Lebanon, Egypt, Algeria, Morocco, Tunisia, and Malaysia.

XTB Forex Rebates

XTB offers a cashback rebate program for high-volume traders, though its availability depends on the trader's country of residence. Where available, XTB provides cashback as part of its loyalty program for traders with a monthly trading volume of at least 15 lots. To enrol, you must reach out to your account manager, who will set up a customised discount program tailored to you. Cashback is calculated monthly, based on closed positions within that month. Since each program is personalised, traders need to confirm their eligibility and cashback level individually. This program is not accessible to traders in the EU, UK, and UAE.

XTB’s Credibility

The credibility of a broker is one of the most important factors to consider before investing. To assess this, we typically examine the broker’s regulatory background and track record. In XTB’s case, its regulatory status is reassuring. The broker operates under the supervision of several financial authorities, including the FCA in the UK, CySEC in Cyprus, the FSC in Belize, the DFSA in DIFC Dubai, and the KNF in Poland. This multi-regulatory framework is a strong positive for traders, providing multiple layers of oversight and protection.

Alongside this strong regulatory footing, XTB has been serving traders for more than 20 years. It is also a publicly traded company listed on the Warsaw Stock Exchange under the ticker XTB, which further supports its transparency and accountability.

Support, education and analysis

XTB’s platform is highly regarded, and its support and analysis offer a noticeable advantage over many other brokers. The analysis team publishes articles and research almost hourly, accessible on the website or through the xStation platform. Educational resources include e-books and weekly online webinars in selected languages such as German, French, Czech, Italian, and a few others. At TradingBeasts, we also provide extra educational materials when using the XTB referral code XTBWELCOME during the sign-up process, with more details available in our dedicated article.

Every account receives a personal account manager, with support available 24 hours a day, five days a week, in multiple languages such as English, Czech, German, Italian, Spanish, Arabic, and others, via phone, live chat, or email.

Conclusion - Is XTB a good option?

Overall, XTB’s key strengths include its exceptionally wide range of assets, competitive fees, and the xStation platform, which is both intuitive and powerful. The support team is readily available and eager to answer any questions. Just in Europe, XTB benefits from the supervision of three regulators, alongside licenses in other jurisdictions, and the broker also carries the transparency and accountability of being a publicly listed company.

69-80% of retail investor accounts lose money when trading CFDs with this provider.