XTB Review 2026

XTB Review

Broker’s reliability is every trader’s first preference. With FCA authorization and over 20 years of history, XTB fits the criteria on all grounds. They are also registered with the Warsaw stock exchange. The company has served over 500000 users over the last 20 years. Their expansion in the EU region has been astounding.

However, XTB had to face heat after some of their users complained about predatory withdrawal charges charged by the broker. XTB was prompt at answering the queries, regarding it as spam callers who use XTB’s name to defraud people. Nonetheless, the withdrawal problems have damaged their reputation and left traders vulnerable.

Are you looking to sign up with XTB? If yes, you shouldn’t miss the article. In this blog, we shall discuss XTB’s history, charges, fees, technical performance, and customer support. The details shall help you analyze the broker’s long-run viability and whether you should sign up. Let’s go!

What is XTB?

XTB is one of the most popular brokers in Europe; their recent promotional campaign with Connor McGregor has added to their popularity. The promotional campaign wasn’t new for XTB. They have also partnered with famous sports personalities like Jose Mourinho. XTB offers over 2100 different securities for its traders, including stocks, Forex, commodities, indices, and Crypto.

XTB was founded in 2002 and is owned by the XTB Group of companies. The parent company also owns XTB limited and XTB SA. Each subsidiary is designed to comply with specific jurisdictions and operate in a controlled environment. XTB Group of companies is based in Mauritius and is regulated by FSC Mauritius.

The company also has an FCA license that is named under XTB limited. The FCA license ensures that XTB maintains a compensation fund to pay its users in case of solvency. However, as the company operates separately, the compensation fund may not apply to every user.

Over the last few years, XTB’s primary focus has been to enhance its security portfolio and add newer regions to its lists. In 2021, XTB established XTB MENA in Dubai to cater to the rising interest in the Asian region.

Their promotional campaigns in south-Asia have been effective, and they recorded over 400,000 users in late 2021. XTB’s rapid audience expansion and reliability bought them ‘the best forex broker’ award from Rankia in 2022.

XTB has marketed its offerings as a fit-for-all; its services don’t limit them to a particular audience segment. The minimum deposits and offerings are varied to take regional variations into account. 

Benefits of Trading with XTB

XTB has emerged as a popular broker in the European region, and its services have excelled to the test of time. The broker has been prompt at improving its securities, trading platforms, and features to provide the best trading experience for its users.

Our favorite benefit of trading with XTB is their XStation trading platform. The broker has recently shifted from MetaTraders completely, and in many regions, Xstation 5 is used by traders for their regular trading.

XTB’s Xstation 5 is a complete package for its users; the app contains technical indicators, tools, a research dashboard, security analysis, community connections, and of course, standard trading features. Xstation stands out from other competing platforms due to its user-intuitive interface.

Once you log onto the platform, you won’t feel alien to it. Most critical features are available on the main screen, and if you need to try a technical tool, they are available in the side menu. Hence, any user can use and benefit from the application regardless of their proficiency.

XTB has also developed a web portal and mobile app for its users. They come with the necessary features for an impressive trading experience. Another advantage of signing up with XTB is their educational features; although most brokers offer educational videos, they are only in English, and non-native users need help comprehending them.

Hence, XTB has gone ahead by providing a trading academy where traders can find multilingual trading courses to be more technologically advanced. However, the trading academy’s English videos aren’t optimal for traders, and XTB should revamp them.

Finally, another benefit of an XTB account is 2100+ asset offerings that let investors diversify their portfolios and maximize their returns. XTB has developed a state-of-art asset collection where traders can trade stocks, crypto, Forex, and CFDs.

Hence, it allows investors to benefit from movements in different trading markets and protect their investments if a market crashes. Apart from these benefits, XTB online trading is regulated by authorized regulators worldwide, which adds to their trustability.

XTB Customer Reviews

XTB has an audience of about 500000 users and a history of over 20 years. Their reputation has been largely positive in the industry, and experts regard them as a satisfactory broker. XTB is one of the most reviewed brokers on Trustpilot. They have accumulated a rating of 3.5 stars, with a favorable rating of over 78%.

XTB’s existing customers appreciate the broker due to its remarkable trading services; the general notion suggests that traders have highly benefited from XTB’s diverse offerings that allow them to transfer their funds to more profitable assets.

Some users are also impressed by the Xstation and its execution rate during high market fluctuations. Overall, traders also appreciate the trading courses offered by XTB’s trading academy; users claim that the courses help novice traders understand the market and develop a keen sense of strategizing their trades.

However, as with every broker, XTB has also had a fair share of negative reviews that dents its reputation. Some users claim that their funds were extorted by XTB unlawfully, and they couldn’t retrieve it despite multiple requests.

Most customers from Poland also complain that customer support is below par, and it takes several days to receive an actionable response to a query. Nonetheless, these disadvantages are in no way near the scam accusations on the broker.

XTB is accused of charging an undue commission on withdrawals to discourage investors from withdrawing their income. Traders claim that no such policies were cited before their admission.

Overall, we couldn’t find any legitimacy in the negative reviews that accuse XTB of unlawful transactions. Most such reviews looked like a marketing campaign for some chargeback funds. The reviews may be fake because the reviewer does not contain any history. However, for the customer support problems, there has been a massive chunk who are disturbed by the situation.

XTB Spreads, Fees, and Commissions

XTB’s services and trading platform are commendable, offering various features that attract a broad audience. However, a broker’s viability is based on their costs because even good trading strategies won’t make sense if the prices are high.

XTB has separate spreads and commissions for its EU, UK, and international clients. They have previously offered three account types for all regions, but now, only international clients have two account options, and UK and EU clients can only use the standard account.

The spreads written on the website are per unit, which is against the industry norm as they can be mistaken for spreads per lot. The average spreads for the standard account are under 1.5 pips; the lowest spreads are 0.5 pip per lot.

The spreads constantly change, and it can be difficult to predict exact spreads. However, existing users suggest that spreads for EURUSD are typically 1 pip per lot. The same 1 pip per lot spread goes for EUR GBP and AUD USD; other popular pairs offer a spread of around 1.2 pips.

The standard account doesn’t have an explicit commission; however, the agents confirmed the broker charges a portion of the spread as commission. For most Forex and CFDs, the commissions are usually 0.3%. The broker also charges a 3.5 EUR commission on setting up trades for a professional account.

XTB also has a fee of 10 EUR per month for maintaining accounts; however, the cost is levied on inactive investors or traders with high investments. X Trade Brokers also charge swap and withdrawal fees that vary based on your specific conditions.

In our view, XTB should publicize its charges. The information should be presented alongside spreads to better estimate total trading costs.

Account Types

As XTB is a multinational broker, there are several complications in their account types. The broker has distributed their forex trading audience into three sections: UK, EU, and international.

Previously, all regions had three account options for traders; however, it has changed since 2019 due to legal complications. Now, only international clients are offered standard and swap-free accounts.

• The standard account is available for all regions. It has a minimum deposit of $1, but the broker recommends about $200 for efficient trading. It allows leverage of 1:500 and has a minimum spread of 0.5 pips. XTB has also offered segregated funds to ensure investor’s fund safety. It doesn’t include any commissions on Forex, crypto, or CFDs.
• The Swap-free account isn’t a different account type but an extension of the standard account. It has the exact minimum deposit requirements and leverage options. However, the minimum spread for the account type is set at 0.7 pips per lot to compensate for no swap fees. The account has no set-up fee.

XTB’s account types aren’t diverse, but fewer options mean investors won’t confuse themselves while deciding.

Some regions also support a professional account, where traders can deposit money, and XTB manages their funds. The professional account has commissions and other additional maintenance fees.

What Can You Trade on XTB

XTB has diverse offerings to suit different investors. They offer over 2100 stocks, crypto, Forex, CFDs, and indices; the forex offerings include all major pairs such as EURUSD, USD JPY, and USD GBP.

The stock collection is based on underlying assets, and you can trade CFDs for Apple, Tesla, Google, and other leading firms. XTB’s crypto offerings are also broad; it includes popular cryptocurrencies such as Bitcoin, Ethereum, and Dogecoin. Nonetheless, it also has various other cheaper offerings for low-capital investors.

While discussing asset offerings, we must note that many brokers have an extensive range of assets; however, these assets may come at higher spreads than usual, making it unfavorable for traders to trade in them. Nonetheless, XTB spreads are reasonable for most of their offerings; the Forex spreads align with industry leaders. The CFD spreads are justifiable as well, but the crypto spreads may put traders at a disadvantage.

The asset offerings for XTB investors are consistent in particular legislation. Still, they may vary if you switch jurisdictions.

Some CFD assets are discouraged by FCA due to their high risks, but they may be available in regions outside the UK. Hence, you must connect with the broker to determine the asset pool for your legislation to make a better decision.

XTB Customer Support

Our evaluation criteria pay special attention to customer support; we have often seen promising traders suffer from inefficient customer support. Therefore, we test customer support based on its knowledge and response rate to provide valuable insights for interested traders.

Our experience with XTB brokers has been good; the responses were quick, and the information was helpful. XTB has also used AI to manage customer queries with limited audiences.

Most common questions are responded to with a generic response, but if you want something more specific, you can connect with an agent at the same tab. The phone responses are reasonable; however, email responses should be quicker as they take longer than most other brokers.

Most of the existing customers have had an unsatisfactory experience with XTB, which is a major dent in their reputation. Customers report that the customer service agents were neither professional nor knowledgeable.

We have had multiple reports where customers failed to drive any solution for their queries despite repeated attempts. Customers have also had a poor experience of contacting through emails. Users highlight that it took around 7 days to get any of their queries answered through email.

As per our research, most customer service problems arise in Poland and its neighboring regions. It suggests that XTB’s polish department has failed at catering to the high demand, and they should hire more people to solve the crisis.

Forex trading is a market of fluctuations and every second counts. We have seen multiple instances where a wrong decision costs people their fortunes. XTB should ensure that it enhances its customer service for retail CFD accounts to enhance user experience.

Withdrawal Options and Fees

A trader’s primary investment goal is to generate a positive return and have their funds when needed. Although many brokers promise excellent results, most of them make it impossible to withdraw money. X Trade Brokers have a long history and over 500000 investors. We couldn’t trace any ‘real and verifiable’ withdrawal difficulty for any investor. Hence, XTB can be regarded as safe for withdrawals and payments.

XTB offers multiple options for withdrawing your funds. You can use MasterCard, Visa, Skrill, and leading payment providers. The intermediary costs vary between 2.5-4% depending on your method and withdrawal amount.

Unlike other brokers, XTB has a complex fee structure for withdrawals. For any withdrawal less than $100, a $20 fee is charged. It is incredibly high and contributes to about 20% of the total withdrawal amount.

If a trader has to withdraw less than $100, they are at a severe disadvantage, as any profit they may have made will be charged in withdrawal fees. Fortunately, the percentage shrinks as your withdrawal amount increases, and large withdrawals may have a significantly lower proportion of costs.

In our view, XTB should remove its withdrawal fee, as it makes the XTB platform unfavorable for most traders. The market sentiment regarding withdrawal fees isn’t positive, and the broker’s legitimacy turns questionable if these fees rise.

Conclusion: XTB Review

XTB is a commendable broker that has some solvable deficiencies. The advantage of signing up with XTB is their trading platform. The X Station trading platform has the necessary features and frills to enhance the user experience and assist in the technical analysis of securities.

Another perk is their licenses from financial conduct authority that adds to their legitimacy and provides a leeway for investors if the broker defaults.

However, XTB’s main problems can be summarized under two heads. Firstly, the retail investor accounts offer no diversity, and there are no differences for traders with various expertise.

Similarly, the broker offers a single platform that may only suit some users. Secondly, their withdrawal fees are questionable; they charge a significant portion of your total withdrawal, which makes it illogical for investors to withdraw their investment.

XTB should focus on solving the issues to add to its audience and become a top choice for investors. Their offerings and educational resources are impressive, giving them a differential amongst their competitors.

We believe new investors will benefit more from an XTB trading account than advanced traders. However, it takes nothing away from XTB trading platforms or their offerings.