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XTB Review

Written by
Edited by John Bringans
Fact-checked by Joey Shadeck

April 30, 2024

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76-85% of retail CFD accounts lose money. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

XTB is a highly trusted brand that holds licenses multiple global regulatory jurisdictions, earning it a Trust Score rating of 96. XTB's proprietary xStation 5 platform delivers a rich selection of trading tools and great usability. XTB provides access to CFDs for a wide range of asset classes, including multiple cryptocurrencies. Beginner forex traders will appreciate XTB's excellent educational content and the hundreds of lessons that are available via its Trading Academy.

Overall Rating

9.1 / 10

Minimum Deposit


Trust Score info

Highly Trusted

XTB Trust Score

We consider XTB to be Highly Trusted, with an overall Trust Score of 96 out of 99.

XTB is currently licensed and/or authorised by the following regulatory bodies:

About Trust Score: Trust Score, a proprietary algorithm that allows traders to get an at-a-glance rating of a broker’s overall trust, was originally developed for’s sister site, Trust Score is based on our independent research and powered by the extensive data we’ve collected on brokers and regulatory agencies across a wide range of regulatory environments, jurisidictions, and countries.

Regulatory licenses held by XTB, compared to the industry average

XTB currently has 2 Tier-1 Licenses, 2 Tier-2 Licenses, 0 Tier-3 Licenses, and 2 Tier-4 Licenses. To get an idea of how XTB stacks up against the industry average, check out our visual breakdown of the average number of Tier-1, Tier-2, and Tier-3 regulatory licenses held by brokers in the BrokerNotes database:

Can I trust XTB?

XTB has a Trust Score of 96, compared to the industry average of 83, and considers XTB to be Highly Trusted. Trust Scores can vary from broker to broker (a "Highly Trusted" label means a broker is at the top of our scoring scale, and a "High Risk" label indicates a broker that's at the lowest end of our Trust Score scale), so it’s helpful to know where your broker stands in comparison to the rest of the industry.

Check out our visual breakdown below to get an idea of how XTB’s status as a Highly Trusted broker compares to the average Trust Score label in our database of 60+ forex brokers.

average risk label of forex brokers on

Why should I care about regulatory licenses?

Determining the legitimacy of a forex broker (and avoiding forex scams) can be a real challenge. Unregulated brokers do not have to report to a governing body. If your broker lacks regulation, and you are scammed in any way, you often have no recourse for recovering your funds. That being said, not all regulator licenses carry the same weight.

In our five-tier Trust Score system, the strictest regulatory agencies and licenses are labeled Tier-1. Here are a couple of examples of how Tier-1 licenses provide the highest consumer protections:

  • Many regulators impose additional capital requirements. Brokers that offer forex trading to retail clients in the U.S. must maintain at least $20 million in regulatory capital as a Retail Forex Exchange Dealer (RFED) with the Commodity Futures Trading Commission (CFTC).
  • Brokers are subject to stricter laws. In an effort to prevent consumers from sustaining heavy losses, the Financial Conduct Authority (FCA) in the U.K. does not permit leverage beyond 30:1. The FCA also requires that forex companies segregate client funds from their own. Read our guide to trading forex in the U.K. to learn more.

Investment Types at XTB

There are now dozens of regulated forex brokers, each with their own product offering and range of available markets. It’s important to make sure that the forex broker you’ve chosen allows you to trade your preferred instruments and markets. To help you decide if XTB is the right broker for you, we’ve included a breakdown of the major products and range of markets available at XTB:

  • Total tradeable symbols - 6100
  • Total forex pairs - 71
  • Copy trading - Yes
  • Cryptocurrency (physical) - No
  • Cryptocurrency (CFD) - Yes
  • Spread betting - No

Overall, XTB ranks #14 out of the 62 brokers that have been evaluated and scored within our investment types category.

Note: We review each broker’s overall global offering – a “Yes” checkmark for any of the above features or tradeable markets in this review does not guarantee their availability in your country of residence. To verify the availability of any features or markets within your country of residence, please contact the broker directly. To learn more about country-specific regulations and restrictions (and to discover our data-based picks for the best brokers by country), check out our country guides.

How many tradeable symbols does XTB offer?

XTB provides access to 6100 tradeable symbols and 71 different forex pairs, compared to the median number of 982 symbols and an average of 67 available forex pairs across the 60+ brokers reviewed on BrokerNotes.

How does XTB’s offering of investments compare to the rest of the 60+ brokers on

Tracked as variables within our database, our research team closely monitors the availability of features and products such as bitcoin, cryptocurrency CFDs, commodities, social copy trading, Islamic accounts, stocks (CFD and non-CFD), and some of the most popular forex pairs – among many others.

According to our independent database (currently tracking over 2,200 data points), the average forex broker offers 29 of the 37 products and features currently tracked for our offering of investments category. XTB offers 34, which helped contribute to the broker ranking #14 out of 62 brokers overall in this category.

How does XTB compare to the rest of the 60+ brokers on for its offering of investments?

According to our independently researched database of international forex brokers, 100% of brokers offer forex trading (spot or CFDs), 8% offer crypto trading (physical asset), 91% offer trading physical cryptocurrency CFDs, 91% offer trading on U.S. stock CFDs, 28% offer trading on physical U.S. stocks, 57% offer ETFs, 38% offer international stock trading (non-CFDs), and 77% offer social copy trading.

Commissions and Fees at XTB

Your forex broker’s trading costs can be a factor in the overall profitability of your trading strategy. That being the case, it’s crucial to choose a forex broker with commissions and fees that are affordable for your trading style. We’ve researched and broken down some of the trading costs that you can expect to find with XTB (this list is not meant to be comprehensive; be sure to visit the broker's website for a full accounting of all fees and trading costs):

  • Minimum initial deposit - $0
  • Average Spread EUR/USD - 1.00
  • All-in Cost EUR/USD - 1.00
  • Active Trader or VIP Discounts - No

XTB has a score of 8.5/10 in this category, while the average broker received a score of 8/10. Overall, XTB ranks #15 out of the 62 brokers that were evaluated and scored for our commissions and fees category.

Note: Using an online broker that advertises low commissions and/or low spreads does not make trading forex or CFDs less risky. Minimum deposit requirements may vary depending on your country of residence.

What is the minimum deposit requirement for trading with XTB?

The average minimum deposit requirement across the industry is £115 (55 brokers), whereas XTB requires an initial minimum deposit of $0. Forex brokers require a minimum deposit in order to cover their own costs associated with opening and maintaining a trading account for the client. The amount required can vary depending on the broker and the type of account being opened.

What are the typical spreads at XTB?

XTB delivers an average spread of 1.00 when trading the EUR/USD within a standard account. The all-in cost of trading the EUR/USD with an active account is 1.00. We were able to obtain average spread data for over 30 brokers, and found the industry averages for these data points to be 1.04 (standard) and 0.87 (all-in).

How does XTB fare against the rest of the 60+ brokers on for commissions & fees?

Looking at our database, the average forex broker offers 6 of the 11 features variables we track in the commissions & fees category, and has average spreads of 1.04 when trading the EUR/USD. XTB offers 8 of the 11 features, while offering average spreads of 1.00 which helped contribute to the broker ranking #15 out of 62 brokers in this category.

Traders are constantly on the hunt for low-cost forex brokers – you can learn more about low-cost forex trading by checking out our guide to zero-spread forex brokers.

Funding Methods at XTB

The availability and flexibility of your broker’s banking options and payment methods can make an impact on your overall trading experience. Simply put: all traders need to have a reliable method for depositing and withdrawing funds. We’ve researched the banking and funding options at XTB to see if it’s the right broker for your preferred payment method:

  • Visa/Mastercard (credit/debit) - Yes
  • Bank Wire (deposit/withdrawal) - Yes
  • PayPal (deposit/withdrawal) - Yes
  • Skrill (deposit/withdrawal) - Yes

92% of the brokers in our database (60+) offer Visa/Mastercard, 75% offer Skrill, 69% offer Neteller, and 45% offer PayPal. PayPal has become a popular funding option for many forex traders – find out which brokers support it as a payment method by reading our PayPal guide for forex traders.

Note: The availability of specific funding methods may vary depending on your country of residence.

Trading Platforms at XTB

A vital part of any trader’s experience, a broker’s trading platform can make or break any trading experience.

Here’s what XTB offers in terms of trading platforms. Ultimately XTB ranks #9 of the 62 brokers graded across our platforms & tools category.

  • Proprietary platform - Yes
  • Desktop platform (windows) - Yes
  • Web platform - Yes
  • MetaTrader 4 (MT4) - No
  • MetaTrader 5 (MT5) - No
  • DupliTrade - No

As far as platform trading tools are concerned, XTB provides 39 charting indicators, 32 drawing tools, and 8 watchlist fields, contributing to its overall category rating of 9.0/10.

How do trading platforms at XTB stack up against the competition?

Of the 60+ brokers reviewed on BrokersNotes, 66% offer a proprietary platform, 100% offer a web platform, 91% offer a desktop platform, 11% offer cTrader, 14% offer Zulutrade, 78% offer MetaTrader 4, and 63% offer MetaTrader 5.

How is XTB graded against the other 60+ brokers on for platforms & tools?

Analyzing our 1,178 data points for our platforms & tools category, the average forex broker has 12 of the 19 features we track for desktop web platforms. XTB has 13. XTB received an overall rating of 9.0/10 in the platforms & tools category, contributing to its overall category ranking of #9 out of 62 brokers overall.

Research at XTB

Having consistent access to high-quality market research is hugely important to forex traders. To effectively keep track of market movements, traders need to stay up-to-date with global events, industry news and trends. We gave XTB a 9.0/10 in the research category, while the average broker received a 7/10. Here’s our summary of the research offerings available at XTB:

  • Autochartist - No
  • Daily Market Commentary - Yes
  • Economic Calendar - Yes
  • Forex News (Top-Tier Sources) - Yes
  • Social Sentiment - Currency Pairs - Yes
  • Trading Central (Recognia) - No

How does the research offering at XTB measure up against the 60+ brokers in the BrokerNotes database?

While conducting our evaluations of online forex brokers, we’ve collected over 360 data points that track the research-specific features that are most important to traders and investors. XTB offers 3 of those 5 features, whereas the average forex broker offers 3 of those features. XTB received an overall rating of 7/10 in the research category, contributing to its overall category ranking of #7 out of the 62 brokers in the BrokerNotes database.

Mobile Apps at XTB

Nearly every trader on the planet owns a smartphone, but that doesn’t mean that every mobile trading app offers the same forex trading capabilities. A wide range of mobile trading apps are available across the globe – some of which are developed in-house by online brokers, while some are developed by third-party developers.

We’ve tested mobile trading apps for over 60 online brokers, collected over 744 data points, and identified 11 of the most important features for traders who want to trade on the go. The average forex broker offers 9 of those 11 features, XTB offers 10. XTB received an overall rating of 9.0/10 in the mobile trading category, contributing to its overall category ranking of #9 out of 62 total brokers.

Here are some of the important mobile features tracked in our database, take a look to see whether they are available with XTB:

  • Android App - Yes
  • Apple App - Yes
  • Forex Calendar - Yes
  • Mobile Alerts - Basic Fields - Yes
  • Mobile Charting - Draw Trendlines - Yes
  • Mobile Watchlist - Yes

How do the mobile features available at XTB stack up against the industry average?

In terms of mobile charting indicators and studies XTB has 39, compared to the industry average of 49. Mobile charting indicators can be a useful tool to help traders analyze price trends, identify potential entry and exit points, and make informed trading decisions.

Education at XTB

Client education is another staple of forex brokers. Here’s how XTB fares in providing clients with the most common types of educational content.

  • General education on forex or CFDs - Yes
  • Client webinars - Yes
  • Beginner videos - Yes
  • Advanced trading videos - Yes
  • Investor Glossary - No

How does XTB compare to the rest of the 60+ brokers on for educational content?

According to our database, 82% of brokers offer general education, 57% offer webinars, 78% offer beginner videos and 52% offer advanced videos. Analyzing our 372 data points for our education category, the average forex broker has 4 of the 6 features we track. XTB has 5 of these features and received an overall rating of 8.5/10 in the education category, contributing to its overall category ranking of #12 out of 62 brokers overall.

Overall Summary

As a recap here’s how XTB fared in each of our core categories.

  • Trust Score - 96
  • Investment Types - 9.5/10
  • Commissions & Fees - 8.5/10
  • Trading platforms - 9.0/10
  • Research - 9.0/10
  • Mobile Apps - 9.0/10
  • Education - 8.5/10
  • Overall - 9.1/10


Does XTB offer copy trading?

Yes; in case you were wondering, 77% of the brokers reviewed on offer copy trading. To learn more about social copy trading (and to see our picks for the best forex brokers for copy trading), check out our guide to copy trading.

Can I trade US stocks with XTB?

If you want to trade U.S. stocks as CFDs with XTB, then Yes. If you are looking to trade non-CFD stocks (and own the underlying asset or stock), then Yes.

Remember – there’s a difference between trading U.S. stocks as CFDs (tradeable instruments that track the price of an underlying security or asset) and being able to own the underlying stock. If you purchase a U.S. stock, you own the actual shares; if you purchase or trade a CFD, you don't own the asset itself. According to our database, 91% of forex brokers allow you to trade U.S. stocks as a CFD, while only 28% allow you to own the stock itself. To learn more, check out our popular guide to CFD trading.

Can I use MetaTrader with XTB?

If you want to use MetaTrader 4 (MT4), then No. If you were looking to use the newer version of MetaQuotes Software’s popular trading platform, MetaTrader 5 (MT5), that's a "No." Popular with forex traders all over the world, MetaTrader is a third-party trading platform that connects to a broker for forex trading.

We’ve researched the MetaTrader offerings of 60+ forex brokers and found that 78% of brokers offer the more famous version of MetaTrader, MT4, while only 63% offer the newest version, MT5. We have in-depth guides on MetaTrader if you'd like to learn more; check out our guide to MT4, or read our in-depth guide to MT5.

announcementImportant note:

We review each broker’s overall global offering – a “Yes” checkmark for any of the above features or tradeable markets in this review does not guarantee their availability in your country of residence. To verify the availability of any features or markets within your country of residence, please contact the broker directly. To learn more about country-specific regulations and restrictions (and to discover our data-based picks for the best brokers by country), check out our country guides.


At, our data-driven online broker reviews are based on our extensive testing of brokers, platforms, products, technologies, and third-party trading tools. Our product testing extends to the quality and availability of educational content, market research resources, and the accessibility and capabilities of mobile platforms and trading apps. We also dive into each broker’s trading costs, such as VIP rebates, inactivity fees, custody fees, bid/ask spreads, and other fee-based data points.

Steven Hatzakis, an industry veteran with decades of experience in the forex market, leads the BrokerNotes research team. All BrokerNotes content is researched, fact-checked, and edited by the research team.

All websites and web-based platforms are tested using the latest version of the Google Chrome browser. Our Desktop PCs run Windows 11, and we use MacBook Pro laptops running the latest version of macOS to test trading on the go. We test mobile apps and products using iPhones running iOS 17 and Samsung devices running Android OS 14.

Note: The online brokers on our site provide the ability to trade forex in one or more ways, such as non-deliverable spot forex (i.e., rolling spot contracts), contracts for difference (CFD), or other derivatives such as futures. The availability of specific markets or features will depend on your country of residence and the broker's applicable brand or entity that services your account(s).

AI disclaimer

We use proprietary AI technology to assist in some aspects of our content production. However, our scores, ratings, and rankings of online brokers are based on our in-depth product testing and thousands of hand-collected data points. Learn more about our AI Policy and How We Test.

Forex Risk Disclaimer

There is a very high degree of risk involved in trading securities. With respect to margin-based foreign exchange trading, off-exchange derivatives, and cryptocurrencies, there is considerable exposure to risk, including but not limited to, leverage, creditworthiness, limited regulatory protection and market volatility that may substantially affect the price, or liquidity of a currency or related instrument. It should not be assumed that the methods, techniques, or indicators presented in these products will be profitable, or that they will not result in losses. Learn more about foreign exchange risk.

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About the Editorial Team provides unbiased forex broker reviews and ratings to help traders and investors find the best broker for their needs. All content is researched, fact-checked, and edited by our research team and all ratings and rankings are based on the team’s in-depth product testing.

John Bringans
John Bringans

John Bringans is the Senior Editor of and An experienced media professional, John has close to a decade of editorial experience with a background that includes key leadership roles at global newsroom outlets. He holds a Bachelor’s Degree in English Literature from San Francisco State University, and conducts research on forex and the financial services industry while assisting in the production of content.

Joey Shadeck
Joey Shadeck

Joey Shadeck is the Content Strategist and Research Analyst for and He holds dual degrees in Finance and Marketing from Oakland University, and has been an active trader and investor for close to ten years. An industry veteran, Joey obtains and verifies data, conducts research, and analyzes and validates our content.