Score
XTB
https://www.xtb.com/en
Website
Rating Index
MT4/5 Identification
MT4/5
Full License
XTB-MT4 Demo
Influence
AAA
Influence index NO.1
MT4/5 Identification
MT4/5 Identification
Full License
Influence
Influence
AAA
Influence index NO.1
Contact
Single Core
1G
40G
1M*ADSL
- WikiFX has received a total of 21 user complaints against this broker, please be aware of the risks and do not be scammed!
Formal full license MT4/5 traders will have sound system services and follow-up technical support. Generally, their business and technology are relatively mature and their risk control capabilities are strong
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Company Summary
| Quick XTB Review Summary | |
| Founded in | 1995 |
| Registered in | UK |
| Regulated by | CySEC, FCA |
| Trading Instruments | 6,898, stocks, ETFs, forex, indices, commodities |
| Demo Account | ✅ |
| Min Deposit | £0 |
| Leverage | Up to 1:500 |
| EUR/USD Spread | Floating around 1.0 pips |
| Trading Platform | Mobile, Desktop, Tablet |
| Payment Method | xStation5 (Mobile, Desktop, Tablet) |
| Deposit Fee | ❌ |
| Withdrawal Fee | Free for withdrawal above 50 USD/EUR/GBP |
| 5 USD/EUR/GBP for withdrawal below 50 USD/EUR/GBP | |
| Inactivity Fee | A monthly fee of 10 GBP will be charged if no purchase or sale transaction within 365 days |
| Customer Support | 24/5 live chat |
| Tel: +44 2036953086 | |
| Email: uksales@xtb.com | |
XTB Information
XTB is a UK registered online forex and CFD broker that is regulated by the FCA and CYSEC. The company offers trading in 6,898 financial instruments including stocks, ETFs, forex, indices, and commodities with leverage up to 1:500, spread from 0.5 pips and zero commissions for CFD trading via Mobile, Desktop, and Tablet platforms.

Pros and Cons of XTB
Pros:
- Regulated by CySEC and FCA
- Commission-free trading
- No minimum deposit requirement
- Rich educational resources including educational articles, market analysis, aneBooks
Cons:
- Only offers a standard account type
- Withdrawal below 50 USD/EUR/GBP will be charged a fee of 5 USD/EUR/GBP
- A monthly fee of 10 GBP will be charged if no purchase or sale transaction within 365 days
- Customer support is not available 24/7
Is XTB Legit?
Yes. XTB is currently regulated by Cyprus Securities and Exchange Commission (CySEC) and Financial Conduct Authority (FCA).
| Regulated Country | Regulator | Regulated Entity | License Type | License No. |
![]() | CySEC | XTB Ltd | Market Making (MM) | 169/12 |
![]() | FCA | XTB Limited | Straight Through Processing (STP) | 522157 |


Market Instruments
XTB offer 6,898 tradable instruments, including stocks, ETFs, forex, indices, and commodities. This presents a great opportunity for traders to diversify their portfolio and access multiple markets all within one platform.
| Asset Class | Supported |
| CFDs | ✔ |
| Stocks | ✔ |
| ETFs | ✔ |
| Forex | ✔ |
| Indices | ✔ |
| Commodities | ✔ |
| Cryprocurrencies | ❌ |
| Bonds | ❌ |
| Options | ❌ |
Account Type
XTB only offers a single standard account type, and no minimum deposit requirement.
There are no fees for account opening and maintenance, while 0.5% for currency conversion.
Leverage
XTB offers a maximum leverage of up to 1:500. However, traders need to be aware that high leverage also carries a higher risk of substantial losses, and should only be used by experienced traders who have a good understanding of risk management strategies.
Spreads and Commissions
XTB offers spread from 0.5 pips. Specifically, spread on the EUR/USD pair is floating around 1.0 pips.
As for commissions, there is no commission for trading CFDs, while there may be a commission charged for stocks and ETFs investing. You can find detailed info in the table below:
| Commission for trading CFDs | ❌ | |
| Stocks and ETFs investing commission | For monthly turnover equivalent up to 100, 000 EUR | ❌ |
| After that | 0.2%, min 10 GBP | |
Trading Platform
XTB only offers its proprietary platform, available on Mobile, Desktop, and Tablet devices. It does not support any third-party trading platforms, such as the industry-leading MT4 and MT5, which could be a disadvantage for some traders.
| Trading Platform | Supported | Available Devices | Suitable for |
| Proprietary platform | ✔ | Mobile, Desktop, Tablet | / |
| MT4 | ❌ | / | Beginners |
| MT5 | ❌ | / | Experienced traders |
Deposit and Withdrawal
XTB accepts payments via MasterCard, Maestro, Visa, Bank transfer.
The accepted currencies are USD, EUR, and GBP.
It does not charge any fees for deposits and process them quickly.
Withdrawal above 50 USD/EUR/GBP is free of charge, while withdrawal below 50 USD/EUR/GBP will be charged a fee of 5 USD/EUR/GBP.
As for the withdrawal processing time, withdrawal before 1 PM can be processed on the same business day, while withdrawal after 1 PM will be processed on the next business day.



Conclusion
Overall, XTB is a well-regulated and reputable forex broker with many years of experience in the industry. The company offers a wide range of tradable assets, competitive spreads, and user-friendly trading platforms with advanced features. The educational resources provided by XTB are also a valuable asset for both novice and experienced traders.
However, the limited account options and high withdrawal fees for small amounts may be a disadvantage for some traders.
Overall, XTB is a solid choice for traders looking for a regulated and reliable forex broker.
Keywords
- 10-15 years
- Regulated in Cyprus
- Regulated in United Kingdom
- Regulated in Indonesia
- Market Maker (MM)
- Straight Through Processing (STP)
- Retail Forex License
- MT4 Full License
- Self-developed
- Global Business
- High potential risk
Disclosure
Warnings (unauthorised firms and other entities)
Country/Region
ES CNMV
Disclosure time
2023-05-31
Disclose broker
Ministry of Trade Blocks 1,222 Illegal Commodity Futures Trading Websites
Country/Region
ID BAPPEBTI
Disclosure time
2022-02-02
Disclose broker
Warnings (unauthorised firms and other entities)
Country/Region
ES CNMV
Disclosure time
2020-02-10
Disclose broker
News

News XTB Hack 2025: Major Security Breach Exposes Client Accounts
XTB suffers a major hack in 2025, with hackers draining client accounts and sparking urgent security upgrades. Learn how the breach unfolded and what’s next.

News XTB Hack 2025: Major Security Breach Exposes Client Accounts
XTB suffers a major hack in 2025, with hackers draining client accounts and sparking urgent security upgrades. Learn how the breach unfolded and what’s next.

News XTB Launches Tax-Advantaged Retirement Accounts in Poland
XTB introduces IKZE accounts in Poland, offering significant tax advantages for retirement planning. Learn how this mobile-first brokerage XTB is expanding Polish investment accounts.

News XTB Offers Free GM Stock to New MENA Investors
XTB launches a promotion giving new MENA investors a free General Motors share. Sign up, fund your account, and start investing with no minimum deposit by Dec 2025.

Exposure Beware of XTB Clone
ALL INVESTORS AND TRADERS PAY ATTENTION! The Financial Conduct Authority (FCA) issued a warning, stating that a clone of the XTB broker is operating in the market and using authentic details of registered organizations, such as email addresses, phone numbers, postal addresses, and firm reference numbers.

Exposure Complaints + fake address. Can we really give credit to XTB?
XTB is an online forex broker offering a series of financial instruments to its clients across the globe. However, because of recent complaints and a fake address, we want to remind you of the risk when investing in XTB.
Wiki Q&A
Does XTB have fees for deposits and withdrawals?
XTB does not charge any fees for deposits. Withdrawals above 50 USD/EUR/GBP are free of charge, while withdrawals below 50 USD/EUR/GBP will incur a fee of 5 USD/EUR/GBP.
What are the pros and cons of XTB?
Founded in 1995, XTB is based in the UK, regulated by the CySEC and FCA, and offers commission-free trading with no minimum deposit requirement. However, it only provides standard account types, and customer support is not available 24/7.
What can I trade on XTB?
XTB offers 6,898 tradable instruments, including stocks, ETFs, forex, indices, and commodities.
What account types does XTB offer?
XTB only offers one standard account type, which means that users don't need to choose between different account types and can focus on developing and executing their trading strategies.
User Reviews 43
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jgja1987
Ecuador
I requested a withdrawal of $200, but only $140 arrived in my account. They are withholding funds and are complete scammers.
Exposure
FX2490625354
India
Unable to withdrawals my money 😭
Exposure
Abdullah
Saudi Arabia
I submitted a withdrawal request and I did not receive the withdrawal for more than a month, in addition to the agent for my account does not respond, and the support service available 24 hours does not respond either. I waited for more than a month and I did not receive the withdrawal. I did not receive the withdrawal, they say that the bank rejected the transfer, and the bank recovered the transfer. I told them that if the bank recovers the transfer, they will return the amount to you in less than a week, and therefore you must add the amount to my private trading account. Then the agent for my account told me half a month ago that the bank recovered the transfer and the XTB company will refund the amount to my private trading account in less than 10 days. Now it has been almost thirty days and they have not added my amount. In addition, the agent for my account does not respond and their support service is available 24 hours and they also do not respond
Exposure
chefs7026
Burkina Faso
I've just started trading and XTB has helped me a lot 🎯 Easy to understand application, clear tools, and I feel safe ✨ Very good for stress-free learning! 💹
Positive
How Lare
Nigeria
I’ve been using XTB for a while now, and overall, it’s been a solid experience. The platform (xStation) is clean, easy to navigate, and feels a lot smoother than many brokers I’ve tried before. I also like that they offer a wide range of markets, so I can trade forex, indices, commodities, and even some stocks without needing multiple accounts. That said, XTB definitely isn’t perfect. A lot of what they offer is CFD-based, so it’s more suited for short-term or active trading rather than long-term investing. They also don’t support MetaTrader, which might be a dealbreaker for people who rely on advanced tools or automated strategies. I’ve had mostly smooth withdrawals, but there are times when spreads get a bit wider during volatile periods. Overall, I’d say XTB is a good, reliable option if you want a simple, user-friendly platform and you’re focused on active trading. But if you’re looking to hold assets long-term or you need MT4/MT5 support, you might find it limiting.
Neutral
chefs7026
Burkina Faso
XTB is a broker regulated by CYSEC and the FCA, which provides real security for client funds. I also appreciate its longevity and transparency regarding licenses. Platforms like MT4/MT5 work very well, and the spreads are reasonable. Quick account opening and helpful support. For me, it's a reliable broker for trading in Europe. A good experience so far.
Positive
Hustler001
Nigeria
I am investing with XTB since 2019 and I am totally happy! Widely supported by local staff. Their app is brilliant! And of course you can see how beautiful and nice their trading chart is and am so much in love with the broker 😻
Positive
نورة_محمد
United States
Beautiful charts, very good spreads, quick withdrawals fantastic 😍
Positive
يوسف_السالم
United States
Very sweet and amazing app, when ever I deposit it drops in a speedy and flashy way so as withdrawals 💪🤍
Positive
عمربن يوسف
United States
you have no issues when it comes to withdrawal 😉 their payout is one among the best for sure 😊
Positive
خالد بنعبد الله
United Kingdom
very interesting broker when it comes to trading, deposit, and withdrawals. so cool
Positive
راشد السامر
United States
Really happy with xtb. I got a free share when I joined and the app is easy to use. There are a lot of educational content s that help you learn investing. Great experience overall.
Positive
نبيل
United States
XTB They had a great welcome offer and overall very happy with the app and service.
Positive
مصطفى رعد
United Kingdom
Good clean interface on the app, plenty of opportunities to buy a range of stocks and commodities and a very generous free share offer. Overall very pleased with the platform.
Positive
FX1622014058
Colombia
From 07/31/2025 until today 08/19/2025, my money has not arrived. I contacted my bank, and there is no transfer recorded. Customer service is no longer responding to me today. I fear my money is lost.
Exposure
FX3957290261
India
Totally Transparency. It's too good
Positive
FX6459449682
Iraq
I traded with the company and made profits, but the interest rate is very high and they only deduct the interest when I send the amount. I cannot withdraw my amount because they control it.
Exposure
adrian17
Bolivia
I withdrew my money yesterday and until now I haven't received anything in my Skrill account. I try to contact them but they only send me pre-programmed messages and tell me that it will take time from the bank. But I withdrew from my Skrill account and I try to communicate with my advisor but she doesn't respond to my questions.
Exposure
Mayerr
United States
Trading hours are convenient, but the spread widens during low liquidity periods. Need to plan my trades accordingly.
Neutral
Wen wen
Taiwan
I deposited a principal of 10,000 yuan, and the other party helped me trade and made a profit of 235,200. However, customer service called me and said that I could not receive the money if I did not sign up for the event. I had to raise a principal of 60,000 yuan before 3 p.m. to continue trading, otherwise I would never be able to withdraw my money. ^_^
Exposure