Broker Review
Exchange-listed multi-asset broker — real stocks, ETFs & CFDs, regulated across multiple jurisdictions
One of the world's largest publicly traded forex and CFD brokers and a broad multi-asset investing platform: real stocks and ETFs at 0% commission, Investment Plans, options and CFDs, regulated across multiple jurisdictions.
XTB is one of the world's largest publicly traded forex and CFD brokers, founded in Warsaw in 2002 and listed on the Warsaw Stock Exchange since 2016. The group serves more than 2.9 million clients across 13 countries and has grown from a pure CFD broker into a broad multi-asset investing platform spanning real stocks, ETFs, forex, indices, commodities, options and CFDs.
XTB is regulated across multiple jurisdictions, including by the KNF in Poland, the FCA in the United Kingdom, CySEC in Cyprus and Bappebti in Indonesia, where it operates locally as PT XTB Indonesia Berjangka. It was named Brokerage House of the Year 2025 by Invest Cuffs.
XTB's defining feature is that it is not CFD-only. Clients can buy real shares and ETFs alongside leveraged products. Globally the catalogue reaches around 11,900 instruments: thousands of US and European stocks such as Apple, Tesla, Amazon and Netflix; global ETFs from providers including iShares, Vanguard and ARK; forex, indices, commodities, options and CFDs; plus structured Investment Plans for long-term investing. Availability varies by country and local entity.
CFDs are leveraged derivatives and carry a materially different risk profile from owning real shares or ETFs, which are unleveraged. XTB offers CFD leverage within the limits set by the regulator in each jurisdiction. XTB prominently discloses that 74% of retail investor accounts lose money when trading CFDs with the provider.
Real stocks and ETFs trade at 0% commission up to the equivalent of €100,000 in monthly turnover; above that, commission is 0.2%. There are no deposit or withdrawal fees and no account-opening fee. A currency-conversion fee of around 0.5% can apply when trading instruments denominated in another currency, and no custody fees apply up to €250,000 in holdings. CFD pricing is spread-based and varies by instrument and market conditions.
XTB provides multilingual customer support, typically available 24/5 via live chat, email and phone, backed by a strong education suite of video courses, market analysis and research. Its proprietary xStation 5 platform is available on web and mobile, with more than 5 million app downloads globally.
Client money is held under the requirements of the relevant regulator in each market where XTB is licensed, including the KNF (Poland), FCA (UK), CySEC (Cyprus) and Bappebti (Indonesia). Investing in real shares and ETFs confers ownership; CFDs do not. Accounts may incur a monthly inactivity fee if no trade is placed within 12 months.
XTB does not offer its services to residents of certain jurisdictions, including the United States. Product availability also varies by country and local entity.
Answers to common questions.
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Trader-submitted reviews for XTB
Across 3 trader reviews, XTB holds 3.9 out of 5, rated great overall, with 2 reviews backed by verified proof. Reviewers most consistently highlight a solid platform and execution.
The risk-management tools at XTB genuinely helped me through a volatile news release without the usual slippage damage. The platform has been rock solid on both desktop and mobile.
Started on the XTB demo, moved to a small live account, and the education actually taught me real risk management. Spreads widened a touch at rollover but nothing unexpected.
Execution on XTB is reliable and I have had zero requotes in six months of scalping. Knocking off a star because the mobile app can lag a little during high-volatility windows.
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Editorial score 9.3/10 · CFDs carry a high risk of losing money.
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