XTB Overview

X-Trade company was founded in Poland in 2002 and in 2004 they merged into XTB.

Now XTB is the largest stock exchange-listed FX & CFD brokers in the world. They are present in over 13 countries including UK, Poland, Germany, France and Turkey and are regulated by the Financial Conduct Authority, Polish Financial Supervision Authority (KNF), and CMB.

Account Types

XTB provides two account types:
‘Standard account’ with access to Forex, Commodities, Indices, Cryptos, Stock CFDs and ETF CFDs. The minimum spread is 0.35 PIPs and no commission for forex and cryptocurrencies. Stock CFDs and ETF CFDs will be commissioned from 0.08% per lot.

Second account type is ‘Pro account’ with 0.28 PIPs spread, from 3.00 GBP commission per lot for Forex, Indices, Commodities and from 3.00 GBP for Cryptocurrencies.

Trading Platform

XTB has their own custom award-winning trading platform xStation. It is very easy to operate; it has user friendly interface and professional design.

Addition to desktop there are also a web browser version available. It is fully compatible with major browsers like Chrome, Firefox, Safari and Opera. Mobile version is suitable for iPhone and Android.

XTB also provides Meta Trader 4. It is one of the most popular trading platforms in the world and is used by most forex brokers.

The advantages of MT4 are that it is very easy to use and allows you to access custom scripts. There is also a mobile application and a web browser version.

However, there are some disadvantages. Meta Trader has a very outdated user interface.

Deposit & Withdraw

XTB offers the possibility of depositing funds to your trading account in several ways, including bank transfers, credit and debit cards, Paypal, and Paysafe (formerly known as Skrill).

Minimal first deposit is $250, after that smaller deposits are possible.

Under $100 there is $20 fee, however there are no withdrawal fees over $100. The only option to withdraw is via Bank transfer.


There are multiple trading instruments available at XTB. Such as 48 majors, crosses and exotics currency pairs, over 20 global indices CFDs, popular commodities CFDs with 1:20 leverage, 1,500+ global stock CFDs, 80+ exchange traded funds CFDs with up to 1:5 leverage, and cryptocurrencies such as Bitcoin, Dash, Litecoin, Ethereum, Ripple and more.

Customer Support

Support is available in many languages and around the clock 5 days a week. XTB live chat response is quick and provides valuable information. The company also gives direct telephone and email support in multiple languages.

For customers from outside of Europe, XTB has 24/7 customer support.


XTB is regulated by several top-tier financial authorities globally including UK’s Financial Conduct Authority (FCA), the Cyprus Securities and Exchange Commission (CySEC) and the Polish Financial Supervision Authority (KNF).

XTB holds all clients’ funds in a fully segregated account and they are not mixed with the company’s’ own funds.

Client are also protected under the Financial Services Compensation Scheme (FSCS) up to £85,000 per person.

Final Thoughts

XTB is a great CFD and forex broker. It is highly regulated by several top-tier financial authorities globally and it is listed on the Warsaw Stock Exchange.

Main company advantage is low fees for CFDs and Forex, as well as commission-free deposits and withdrawal. On the other hand, the stock CFD commissions are quite high.