XTB Review

Thinking about trading with XTB in 2025? We're taking a close look at what this well-established broker brings to the table, focusing on the key areas that matter most: their regulatory standing, user feedback, and unique trading technology.

Live Spreads: Understanding XTB's Pricing

A crucial part of trading costs is the spread, which is the small difference between an asset's buying and selling price. XTB is known for its transparent pricing, where the fee is built directly into the variable spreads, which fluctuate with market conditions.

At the moment, our spread comparison tool isn't connected to XTB's live accounts. This means we can't show you how their spreads compare to others in real-time. For the most accurate pricing, traders should check the spreads for their desired instruments directly on the XTB platform.

User Reviews: A Highly Popular Global Broker

While we only have a couple of user reviews in our system so far, XTB's popularity is undeniable. Their website traffic is among the highest in the industry, ranking high up amongst all the broker traffic we track. With over 7 million monthly visits, this huge user base signals a high level of trust and satisfaction from traders around the world.

Overall Rating: Top Marks for Regulation and Trust

XTB earns a strong overall rating of 4.3, placing it among the top brokers globally. This score is heavily supported by its exceptional 5.0 rating for regulation. Being a publicly-traded company founded in 2002 adds to its credibility, making it a trusted choice for serious traders.

Regulations: A Secure and Highly Regulated Choice

Company	Licenses & Regulations	Segregated Client Money	Deposit Compensation Scheme	Negative Balance Protection	Rebates	Max. Leverage Retail Clients
XTB Ltd (CY)	Cyprus - CY CYSEC		up to €20,000			30 : 1
XTB Limited (UK)	United Kingdom - UK FCA		up to £85,000			30 : 1
XTB International Limited	Belize - BZ FSC					2000 : 1

XTB takes client safety very seriously and is regulated by multiple top-tier financial authorities, including the FCA in the UK and CySEC in Cyprus. This multi-jurisdictional oversight ensures they operate with transparency. Furthermore, clients are protected by investor compensation schemes, such as up to £85,000 under the FCA, offering an extra layer of security for your funds.

Tradable Assets: A Huge Range of Global Markets

XTB offers an impressive selection of over 2,100 financial instruments. Traders can access a wide variety of markets, including Forex, Indices, Commodities, Cryptocurrencies, and real Stocks and ETFs. This diverse offering makes it a great one-stop-shop for traders interested in multiple asset classes.

Live Swap Rates: What Are Overnight Fees?

A swap, or overnight fee, is an interest charge applied to CFD positions held open from one day to the next. It's an important cost to consider for anyone planning to hold trades for longer than a single day. These fees can be a debit or, less commonly, a credit to your account, subject to the asset, the trade direction and interest rates.

Please be aware that, as it is industry standard, XTB will apply a triple swap, normally on Wednesdays, to cover for the weekend swap rates.

Our swap analysis tool isn't currently tracking XTB's live data. Because of this, we can't offer a direct comparison of their swap rates. We recommend checking the specific overnight fees for any instrument directly on their platform.

Trading Platforms: Award-Winning xStation 5

XTB provides its powerful and intuitive proprietary trading platform, xStation 5. It is known for its excellent execution speed, advanced charting tools, and user-friendly design, making it a great choice for both beginners and experienced traders.

Deposit & Withdrawals: Fast and Free Funding Options

XTB offers several convenient ways to fund your account, with a focus on speed and low costs. Most deposit methods are free and processed instantly, allowing you to start trading without delay. You can see a full list of their payment options on their website.

Important: It's important to note that while XTB offers fee-free deposits, your own bank or third-party payment providers like PayPal or Skrill might still charge their own transaction fees.

XTB Profile

Segregated Accounts

Islamic Accounts

Accepts Canadian clients

Accepts Japanese Clients

Non expiring demo

Trading API

Cent accounts

Negative balance protection

Social trading

Regulatory deposit insurance

Trailing stops

Bonuses

Interest on margin

Variable spread

The XTB profile on FxVerify gives you the full rundown on the company. You'll find details about when they were founded, where they're regulated, their full range of instruments, and the countries they accept clients from.

XTB Web traffic

Our web traffic data is sourced from SimilarWeb and sums the traffic data of all websites associated with a broker. Organic visits are visits the broker didn't pay for, based on the available data. This data updates once monthly and can be based on data purchased from internet service providers, traffic metrics sourced by a third party such as Google Analytics that the company chooses to share with SimilarWeb, etc.