XTB review 2026
XTB is a Warsaw-listed broker and one of the largest in Europe by client numbers. It runs everything on its own xStation platform and has added commission-free stock investing.
Dossier Score for Global
Overall rating in progress: 30% of criteria assessed
Our assessment
Strengths
- Listed on the Warsaw Stock Exchange
- KNF, FCA and CySEC licences in the group
- No minimum deposit and a well-regarded own platform
Weaknesses
- No MetaTrader or cTrader
- No copy trading
- Clients outside Europe are served from Belize
Best for European traders who want a listed broker with a modern platform.
How this Dossier Score adds up
The score is calculated by a published formula from the five components below. It changes with your country, because the first component follows the company that would hold your account.
Methodology v1.1. How the Dossier Score is calculated. Commissions are not an input.
Regulation and legal entities
A broker brand is usually several companies. The one you open an account with decides your leverage limit, whether you have negative balance protection, and which compensation scheme, if any, covers you.
| Legal entity | Regulator | Licence no. | Max. leverage | Our check |
|---|---|---|---|---|
| XTB S.A. Serves you Poland | KNF Tier 2 | To be confirmed | 1:30 | Not yet verified by us Open register |
| XTB Limited Serves you United Kingdom, FSCS up to £85,000 | FCA Tier 1 | 522157 | 1:30 | Not yet verified by us Open register |
| XTB Limited (Cyprus) Serves you Cyprus, ICF up to €20,000 | CySEC Tier 2 | 169/12 | 1:30 | Not yet verified by us Open register |
| XTB MENA Limited Serves you United Arab Emirates | DFSA Tier 2 | F006316 | Varies | Not yet verified by us Open register |
| XTB International Limited Serves you Belize | FSC Belize Tier 3 (offshore) | To be confirmed | Varies | Not yet verified by us Open register |
Key facts
- Founded
- 2002
- Headquarters
- Poland
- Publicly listed
- WSE: XTB
- Group regulators
- KNF, FCA, CySEC, DFSA, FSC Belize
- Minimum deposit
- $0
- Platforms
- Own platform
- Execution
- Market maker
- Copy trading
- No
- Islamic account
- Yes
- Demo account
- Yes
Accounts and fees
Spreads we measured
We have not measured live spreads for this broker yet. Until we do, cost does not count towards its rating.
Platforms and execution
XTB offers Own platform. Execution model as described by the broker: Market maker.
Deposits and withdrawals
We have not run our own deposit and withdrawal test with this broker yet. When we do, the log appears here with dates and times.
Country availability
Pick your country in the header to see which XTB entity would serve you.
Not accepted, according to the broker: United States.
Questions readers ask
Is XTB regulated?
XTB operates through 5 legal entities in our database, holding licences or registrations with: KNF, FCA, CySEC, DFSA, FSC Belize. Which entity you sign up with depends on where you live, and so does the protection you get. Check the licence number on the regulator's own register before you deposit.
What is the minimum deposit at XTB?
XTB advertises a minimum first deposit of $0 on its entry-level account. The amount can differ by entity, account type and payment method.
Which trading platforms does XTB offer?
XTB offers: Own platform. Platform availability can vary between its entities.
Is XTB a safe broker?
No broker is risk-free. Our Global Dossier Score for XTB is 50 out of 100. The score reflects the regulator tier of the entity that serves you, the group's other licences, company structure and track record. It says nothing about whether trading will be profitable for you.
CFDs and leveraged forex are complex instruments and come with a high risk of losing money rapidly due to leverage. Most retail accounts lose money when trading CFDs. Consider whether you understand how these products work and whether you can afford the high risk of losing your money.
Alternatives that share a regulator
| Broker | Dossier Score | Entity serving you | Min. deposit | Platforms | Actions |
|---|---|---|---|---|---|
| CMC Markets Founded 1989 Listed | 91 | CMC Markets UK plc FCA #173730 Tier 1 | $0 | Own platformMT4TradingView | Review Visit siteAffiliate link |
| Interactive Brokers Founded 1978 Listed | 91 | Interactive Brokers LLC CFTC/NFA #0258600 Tier 1 | $0 | Own platformTradingView | Review Visit siteAffiliate link |
| City Index Founded 1983 Listed | 89 | StoneX Financial Ltd FCA #446717 Tier 1 | — | Own platformMT4TradingView | Review Visit siteAffiliate link |
Dossier Score, entity and regulator are shown for the company that would serve your country. Buttons marked “Affiliate link” may earn us a commission. Unmarked buttons go to the broker's own site and earn us nothing.