XTB Broker Review 91

XTB is a leading CFD broker (contracts for difference) owned and operated by XTB International Ltd (XTB) and authorized by the International Financial Services Commission (IFSC) of Belize. The broker is also regulated by various other authorities in Poland, Spain, and the United Kingdom. At XTB, clients have access to a complimentary demo trading account with unfettered access to trading for 30 days. An estimated 2100+ financial instruments are readily available for trading purposes, including exchange-traded funds, commodities, indices, stocks, forex, and cryptocurrency.


At XTB, clients have access to powerful trading platforms with rapid executions of trades, instant access to a wealth of financial instruments, and powerful tools and training resources on xStation 5 and xStation mobile. Expert customer support is readily available around the clock, from Monday through Friday, via online chat, email, or telephone. As a CFD brokerage, XTB offers derivative trading instruments with deep market insights and a handy set of tools and
resources for enhanced functionality.

The range of markets is certainly impressive, with dozens of currency pairs, low spreads from 0.1 pips, no minimum deposits, and rapid withdrawals. Indices offer leverage of up to 500: 1, with the ability to go long or short. With stocks, leverage of up to 1:10 is available, with commissions as low as 0.08%. Commodities are readily available with leverage of up to 500:1 with no overnight costs and commissions. ETFs number in the dozens, with negative balance protection, and up to 1:10 leverage. Several ranking Cryptocurrency CFDs are available, with 24/7 functionality.

Overall, XTB cuts a fine form with traders, with a full spread of financial instruments available.

Account Types

XTB features a set of accounts designed for casual traders and experienced professionals alike. The first account type is a Standard Account, and the other account is a Swap Free Account. The main features of each account type are listed below:

Standard Account:

  • Market Executions
  • Segregated Accounts
  • Minimum spread of 0.5
  • No Commission on Cryptocurrencies
  • No Commission on Forex, Indices, and Commodities
  • 2100+ financial instruments with max leverage of up to 1:500
  • Forex, Commodities, Indices, Cryptos, Stock CFDs, ETF CFDs
  • Commission starting at 0.0% per lot with stock CFDs and ETFs CFDs

Swap Free Account

  • Market executions
  • Automated Trading
  • No Cryptocurrencies
  • Minimum Spread of 0.7
  • 2100+ financial instruments with leverage up to 1:500
  • Commission on Stock CFDs and ETFs CFDs from $10 per lot
  • Commission on Forex, Indices, Commodities from $10 per lot
  • Forex, Commodities, Indices, Cryptos, Stock CFDs, ETF CFDs

Clients can also begin with a demo trading account and complimentary access to trading for 30 days.

Trading Platform/Software

XTB offers clients a web trade platform, a mobile app, and a desktop app. These powerful trading platforms are fully intuitive, with a wide range of trading tools, resources, charts, graphs, and technical features. The easy-to-use trading platforms provide clients with access to 4000+ financial instruments across the board. These cover exchange-traded funds, commodities, stocks, indices, forex, and digital currencies – all in a CFD format.

Mobile functionality is fully supported courtesy of the XTB mobile trading app for the trading platform known as xStation. Clients can access 1500+ CFD markets across the board, all over the world. The mobile platform can be downloaded for Android or iOS. A desktop app is also available with all the functionality of the web-based trading platform. It is fully compatible with Windows and Mac operating systems. Three unique versions are available for 32-bit, 64-bit, and Mac. The training platform operates in a seamless fashion, with quick-click functionality, rapid loading, and instant execution of trades.

Deposit Options

Deposit options available at XTB online trading include the following for UK/EU residents and non-UK/non-EU residents:

UK/EU residents – Skrill, PayPal, debit cards, credit cards, and bank transfer options.

Non-UK/EU residents – NETELLER, Skrill, bank transfers, debit cards, and credit cards.

Deposits are processed instantly and will reflect in the trader’s account immediately. Bank transfers however can take time to clear. To get started, simply log into your client account and click on the deposit option from the xStation platform. Since there are no minimum deposit amounts, it’s relatively easy to start trading for real money.


The range of markets available to clients at XTB covers the full spectrum. There are 6 broad categories of financial instruments. These are available in a CFD format, which simply means that the actual assets aren’t traded – its derivative contracts that mirror the price movements of these assets that are traded.

Forex – 48 currency pairs + including EUR/USD, USD/TRY, EUR/GBP, NZD/USD, EUR/JPY, and AUD/USD. 

Crypto – Ethereum CFD, Litecoin CFD, Ripple CFD, Bitcoin CFD, and Bitcoin Cash CFD.

ETFs – 60+ ETF CFDs available, including XLE.US, GDXJ.US, and SPY.US.

Stock CFDs – 2100+ CFD stocks including Barclays, Apple, Amazon, Deutsche Bank, BMW, Boeing, etc.

Commodity CFDs – gold, silver, cocoa, corn, oil, and natural gas.

Indices – UK 500, EU 50, France 40, Russia 50, Spain 35, Germany 30, and US 2000

Customer Support

Clients can access customer support around the clock from Monday through Friday. Support options include email, telephone, and live chat functionality. Customer support representatives are multilingual, knowledgeable, and highly professional. The broker’s head office is 35 Barrack Road, third floor, Belize City, Belize. However, the company is also operational with offices in 13 countries around the world. This CFD brokerage offers service in many different languages, including Chinese, Spanish, Romanian, Portuguese, Italian, Hungarian, Czech, Arabic, French, and Thai. The 24/5 telephone number is +48222739976 and the number for opening an account is +35725725356.


Safety is assured by way of full licensing and regulation across different markets. This broker is authorized by KNF in Poland, the FCA in the UK, Comisión Nacional del Mercado de Valores in Spain, and International Financial Services Commission in Belize.  

Segregated accounts are standard with XTB, and full account verification is required to validate the ID of traders for all deposits and withdrawals. Clients are protected with complimentary insurance purchase to Lloyd’s of London, with coverage of up to €1 million, AU$1 million, or 1 million British pounds. The insurance is automatically granted to XTB clients with no need to register for it.

Full SSL encryption (secure socket layer), firewall protection, and multi-step verification procedures guarantee the safety and security of clients.


Unlike many other CFD brokers, XTB is surprisingly easy to use. Moving between categories, pages, and trading options is seamless. The broker has clearly adopted a user-friendly approach to operations, with a range of options enabling quick-click functionality. The main categories include trading services, trading platforms, market analysis, and learn to trade. Within each of these broad-based categories is a drop-down menu with intuitive selections. The trading platforms themselves – mobile, desktop, and Web-based are surprisingly easy to use. 

Final Thoughts

XTB dovetails as a powerful online trading platform for forex, commodities, indices, stocks, ETFs, and crypto on mobile, web, and desktop. XTB ranks highly with a didactic set of trading tools, analysis, and resources for all available markets. The demo account is particularly useful to get started and certainly helps with learning the ins and outs of each trading platform under real market conditions. As a fully licensed brokerage, you are safe and secure at this trusted online broker.


  • Demo trading accounts available
  • A spread of financial instruments 2100+
  • CFDs for trading in rising and falling markets
  • Fully regulated by multiple regulatory agencies
  • Segregated accounts and complimentary insurance


  • Limited digital currencies
  • Geolocation-based restrictions
XTB Overview
Website: www.xtb.com
Regulation: IFSC, FCA, KNF, DFSA, CySEC
Assets offered: CFDs on Cryptocurrencies, Forex, Indices, Shares, Commodities & ETFs
Minimum Deposit: No Minimum Deposit
Deposit Options