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XTB review summary

XTB is a trusted global CFD broker, listed on the Warsaw Stock Exchange. XTB provides commission-free stocks and ETFs up to €100k monthly trade volume. Deposit and withdrawal are fast and mostly free, and multiple options are available including credit/debit cards and electronic wallets. Account opening is also fast and user-friendly. On the negative side, XTB has a limited product portfolio, covering mostly CFDs, although real stocks and ETFs are also available for some European clients. Additionally, XTB charges an inactivity fee. BrokerChooser gave XTB a 4.8/5 rating based on analyzing 500+ criteria and testing via opening a live account.

XTB Main Highlights:

• Country of regulation.
• Trading fees class.
• Inactivity fee charged.
• Minimum deposit.
• Time to open an account.
• Deposit with bank card.
• Depositing with electronic wallet.
• Number of base currencies supported.
• Demo account provided.
• Products offered.

• UK, Cyprus, Australia, Seychelles.
• Low.
• No.
• $0.
• $20.
• 1 day.
• Avaliable.
• Avaliable.
• 5.
• Yes.

Stock, ETF, CFD (equity, index, crypto- the latter not available to UK clients -, commodity, forex)


Overall, XTB has low trading fees and average non-trading fees. In many cases there’s no withdrawal fee, however there’s an inactivity fee. Read on for the details.

Account opening

  • There is only one account type at XTB, called the ‘Standard’ account.
  • Account opening is straightforward, user-friendly and takes about 15 minutes with document uploads.

Minimum deposit

The minimum deposit at XTB is $0 and several deposit options are available.

Withdrawal fees and options

You can withdraw money from your XTB account free of charge above a certain amount (typically $50 or €200, depending on your country).


XTB is regulated by several financial authorities globally, including the top-tier FCA.

xStation 5 is great but MetaTrader is not available

XTB has its own trading platform, called xStation 5, which is user-friendly, customizable and has a good search funtion. The MetaTrader 4 and MetaTrader 5 trading platforms are not available at XTB.

XTB is great for beginner traders

XTB is a good choice for beginners. The trading platforms are easy to use, the fee structure is straightforward and the broker runs a superb education section. However, XTB focuses mainly on CFDs, which are risky instruments. Be careful when trading CFDs.

Compare XTB to alternatives

XTB is a great choice for CFD and FX traders globally as the broker charges low fees for trading CFDs and FX. Europeans can also buy and sell stocks and ETFs commission-free up to €100k per month.