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XTB Review 2024

Written by
Adam N.
Fact checked by
Updated
2d ago
Key data
Fees
Safety
Deposit and withdrawal
Account opening
Mobile app
Desktop platform
Product selection
Regulated and trusted. Tested via live trading.
44,129 people chose this broker
Not available in United States; see best alternatives

Why choose XTB

XTB would be a top choice for traders on the strength of its CFD trading fees and product selection alone, but recently it has expanded its offerings to also include real stocks and ETFs in many countries, making it ideal for CFD traders who want to diversify into more traditional assets. All of this can be done on XTB’s excellent xStation suite of trading platforms, which I found really well-designed and easy to navigate.

BrokerChooser score
4.8 4.8 /5
Visit broker
81% of retail CFD accounts lose money
Pros
  • Commission-free stocks and ETFs (for trades up to €100k per month)
  • Free and fast deposit and withdrawal
  • Easy and fast account opening
  • Interest paid on cash
Cons
  • Inactivity fee charged
  • High conversion fee

XTB at a glance

🗺 Country of regulationUK, Poland, Cyprus, Spain, Belize, Dubai
🛡️ Negative balance protectionYes
💰 Apple CFD fee$8.9
💰 S&P 500 CFD spread0.6
💰 Inactivity fee chargedYes
💰 Withdrawal fee$0
💰 Minimum deposit$0
💵 Available base currenciesEUR, USD, GBP, HUF, PLN
💵 Conversion fee of deposits in non-base currency0.5% charge
💳 Deposit with bank cardAvailable
👛 With electronic walletAvailable
🕖 Time to open an account1 day
🎮 Demo account providedYes
🛍️ Products offeredReal stocks and ETFs, CFD (forex, equity, indices, crypto, commodity)
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Fees

Score: 4.5/5
XTB has low trading fees and non-trading fees. In many cases, there's no withdrawal fee, and there is free stock and ETF trading. XTB currently pays interest (up to 5% for USD) on cash balances. UK clients can also earn interest on their cash holdings. However, there's an inactivity fee.
Pros
  • Free stocks/ETFs up to €100k monthly volume
  • Most bank transfer withdrawals are free
  • Interest on uninvested funds (at XTB UK)
Cons
  • Inactivity fee

We compared XTB's fees with two similar brokers we selected, eToro and Capital.com. These competitors were selected based on objective factors like products offered, client profile, fee structure, etc. See a more detailed comparison of XTB alternatives.

Commission-free real stock and ETFs

It’s extremely great as XTB has commission-free US stock trading.

Broker
US stock
XTB
$0.0
eToro
$0.0
Capital.com
-
XTB stock and ETF commission

XTB provides real stocks and ETFs only for UK and EU customers (EU customers who are onboarded under XTB's Polish entity).
There is no commission for stocks and ETFs if you trade less than €100,000 in a month. While favorable, this is still not the best offer on the market, as some competitors such as eToro or Capital.com offer commission-free trading without any limitations.

Low FX fees

All fees are built into the spread, so there is no separate commission charged. For example, the EUR/USD spread is 1.0.

Broker
EURUSD spread
FX commission per lot
XTB
1.0
No commission is charged
eToro
1.0
No commission is charged
Capital.com
0.6
No commission is charged
XTB forex spreads and commissions

Low index CFD fees

All index CFD fees are built into the spread. The spread for S&P 500 index CFDs is 0.6.

Broker
S&P 500 CFD spread
XTB
0.6
eToro
0.8
Capital.com
0.8
XTB index CFD spreads and commissions

Low inactivity fee, low withdrawal fee

There is no account fee, no deposit fee for bank transfer deposits, and no withdrawal fee for bank transfer withdrawals above a certain threshold (between $50-$200 depending on your country of residence).
The fee charged for credit/debit card or electronic wallet deposits depends on your country of residence. The fee charged for these transfers is usually up to 2%. For example, for UK customers, credit/debit card transfers are free of charge but USD transfers via electronic wallets carry a 2% fee.
Lastly, there is a €10 monthly fee after one year of inactivity.

Broker
Inactivity fee
Withdrawal fee
XTB
$0
eToro
$5
Capital.com
$0
XTB inactivity, withdrawal and other fees

Other commissions and fees

Low stock CFD fees: all stock CFD fees are built into the spread. The spread for Apple stock CFDs is 0.5.

Broker
Apple CFD
Vodafone CFD
XTB
$2.6
$3.9
eToro
$2.0
-
Capital.com
$0.6
$0.1
Misc. fees compared with other brokers

Safety

XTB is regulated by several financial authorities globally, including the top-tier FCA in the UK. It is listed on a stock exchange, but it has no banking license.
Pros
  • Listed on stock exchange
  • Negative balance protection
  • Regulated by top-tier FCA
Cons
  • Does not hold a banking license
Read more

Deposit and withdrawal

Score: 4.4/5
XTB deposits and withdrawals are fast and mostly free. You can deposit/withdraw money using bank transfer, credit/debit cards and electronic wallets.
Pros
  • Credit/Debit card available
  • Deposits/withdrawals are mostly free
  • E-wallets available
Cons
  • Few minor account currencies accepted
Read more

Account opening

Score: 5/5
XTB's account opening process is hassle-free, straightforward and fully digital. Your account will be ready for trading on the same day.
Pros
  • Fast
  • Fully digital
  • No minimum deposit
Cons
None
Read more

Mobile app

Score: 4.4/5
The XTB mobile trading app has a good search function and a modern design. On the other hand, there is no two-step authentication.
Pros
  • User-friendly
  • Price alerts
  • Modern design
Cons
  • No two-step (safer) login
Read more

Desktop platform

Score: 4.4/5
XTB's xStation 5 platform is user-friendly, customizable and has a good search function. On the other hand, a safer two-step login is not available.
Pros
  • User-friendly
  • Clear fee report
  • Good search function
Cons
  • No two-step (safer) login
Read more

Product selection

Score: 3.7/5
XTB's selection includes real stocks, real ETFs, and CFDs. Popular assets like bonds, mutual funds, options or futures are not available.
Read more
“I usually recommend XTB to traders who are looking for a solid and well-established CFD broker. XTB is also a great choice for beginners, as no minimum deposit is required and you can use a lot of high-quality educational tools. I really liked the ease and speed of account opening as well.”

FAQ

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Author of this review

Adam Nasli

Financial Wizard | Trading • Safety • Market Analysis

I bring extensive financial expertise as one of BrokerChooser's earliest team members. Personally, I tested nearly all 100+ brokers on our site, opening real-money accounts, executing trades, assessing customer services, and providing firsthand assessment. My professional background includes roles in the banking sector and a degree from Central European University, where I teach finance. My passions lies in in-depth research of the financial industry, building trading algorithms, and managing long-term investments.

Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology.

Visit XTB 81% of retail CFD accounts lose money

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