XTB Forex Review 2026
76% of retail FX and CFD accounts lose money.
XTB - At a Glance
- Established
- 2004
- Headquarters
- ul. Prosta 67, 00-838 Warsaw, Poland.
- International Offices
- United Kingdom, Slovakia, Spain, Italy, Romania, Germany, Cyprus, Belize, United Arab Emirates, France, Portugal, Czech Republic
- Publicly Traded
- Yes
- Broker Type
- STP, Market Maker
- Regulation
- FCA (United Kingdom), CySEC (Cyprus), KNF (Poland), DFSA (United Arab Emirates), CNMV (Spain), FSC Belize (Belize)
- Segregated Client Funds
- Yes
- Negative Balance Protection
- Varies
Covered on the UK, EU and Middle East licences, including for professional clients, which is rare. Not offered at all under XTB International, the offshore arm. XTB can add up the balances across all your accounts and use them to clear the shortfall first.
- Banking License
- No
- Languages
- English, Spanish, Greek, Mandarin, Chinese, Polish
- Customer Support
- Live Chat, Email, Telephone
- Customer Support Hours
- 24/5
- Demo Account
- Yes
- Swap Free Account
- Yes
- Joint Account
- No
- Corporate Account
- Yes
Cannot be opened online. You have to contact XTB directly. Family foundations are refused.
- Managed Account
- No
- PAMM / MAM Trading
- No
- Social / Copy Trading
- No
- Minimum Deposit
- $0
- Payment Methods
- Bank Transfer, Debit Cards, Credit Cards, Paypal, Skrill, Neteller, EcommPay, PayU
- Account Currencies
- EUR, USD, GBP, HUF, PLN
- Maximum Leverage
- 1:30 (UK/EU), 1:500 (International)
- Bonuses
- No
- Contests
- Varies
Trading competitions are restricted for retail clients under CySEC and FCA rules. Available through the Belize entity where local rules permit.
- Markets & Products
- Forex, CFDs, Stocks, ETFs
- Currency Pairs
- 57 FX Pairs. Major, Minor, and Exotic.
- Minimum Lot Size
- 0.01
- Maximum Lot Size
- 50
- Decimal Pricing
- 5 decimals
- Order Types
- Market (instant execution), buy stop, sell stop, buy limit, sell limit, stop loss, take profit. Stop loss and take profit can be set by price level, pips, cash value or percentage of account capital.
- Execution Type
- Market Execution
- Margin Call Level
- 100%
- Stop Out Level
- 50% (UK/EU), 30% (International)
- Hedging
- Yes
- Scalping
- Yes
- Spread Type
- Variable
- Spread From
- 0.9 pips
- Commission
- No commission
- Overnight / Swap Fees
- Yes
- Deposit Fee
- No
- Withdrawal Fee
- Varies
Free for UK clients. On the offshore licence, free above USD 50 but USD 30 below it, so a small withdrawal can lose most of its value.
- Currency Conversion Fee
- Yes
- Account Maintenance Fee
- No
- Inactivity Fee
- Yes
EUR 10 a month, on every licence, once you have gone a year without a trade and 90 days without a deposit. Not charged if your balance is zero or you still hold open positions.
- Custody Fee
- No
- Trading Platforms
- xStation Mobile App, xStation Web Platform, xStation Desktop Platform
- Mobile App
- Yes
- API Access
- No
XTB discontinued API access on 14 March 2025. It also does not support Expert Advisors or any automated trading strategies. xStation is a self-directed platform only, with no MetaTrader option.
- VPS Hosting
- No
- Automated Trading
- No
How XTB's costs compare
The marker is the median of every active broker we rate, computed from the same structured data as the reviews. Headline from-spreads are the broker's advertised best case; your account type and instrument change them.
Pros & Cons
Pros
- Strong regulatory oversight.
- Established in 2004 with a strong and proven track record.
- Publicly listed on the Warsaw Stock Exchange.
- Trusted broker with millions of users globally.
- Segregated client funds.
- Wide range of global market access through CFDs.
- No minimum deposit.
- Fast and simple account setup process.
- Free demo account available.
- Islamic swap-free accounts available.
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- Negative balance protection.
- Multiple fast and secure payment methods.
- Multiple account currency options.
- Low forex trading fees.
- Advanced and user-friendly platform (xStation), available in mobile, web, and desktop versions.
- High leverage trading capability.
- No restrictions on trading strategies.
- Interest paid on unused cash.
- Solid educational content for beginners.
- Great customer support service.
Cons
- No TradingView, MetaTrader, or cTrader integration.
- Limited advanced tools for advanced traders.
- High conversion fee.
- An inactivity fee after a year of account inactivity.
- No integrated social, copy, and PAMM trading features.
- No OCO order type.
- Limited support for algorithmic trading.
