XTB review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Key facts
- Best for
- One account for stocks, ETFs, forex, CFDs and crypto with no account fee and free deposits.
- Minimum deposit
- €0 (Source, checked September 26, 2026)
- Stock trade fee
- €0 (Source, checked September 26, 2026)
- Account fee
- €0 (Source, checked September 26, 2026)
- Inactivity fee
- €10 (Source, checked September 26, 2026)
- Markets
- Stocks, ETFs, Forex, CFDs, Crypto (Source, checked September 26, 2026)
- Regulators
- Cyprus Securities and Exchange Commission (CySEC), FCA, KNF (Source, checked September 26, 2026)
- Investor protection
- EU ICS up to EUR 20,000 (Source, checked September 26, 2026)
- Retail accounts that lose money
- 77% (Source, checked September 26, 2026)
- Currency conversion fee
- 0.5% (Source, checked September 26, 2026)
- Deposit and withdrawal fees
- Free deposits; free withdrawals above 100 EUR/USD (Source, checked September 26, 2026)
- Platforms
- XStation 5, XStation Mobile (Source, checked September 26, 2026)
- Maximum retail leverage
- 1:30 (Source, checked September 26, 2026)
- Legal entity
- XTB Limited (Source, checked September 26, 2026)
- Headquarters
- Cyprus (Source, checked September 26, 2026)
- Founded
- 2002 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 26, 2026)
- Features
- Demo account, Mobile app, Crypto
- Pricing model
- Commission-free, Low fees
- Audience
- Beginners
- Official website
- xtb.com
Pros and cons
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
- Free deposits, with withdrawals free above the stated threshold on Free deposits; free withdrawals above 100 EUR/USD.
- Markets span stocks, ETFs, forex, CFDs and crypto on xStation 5 and xStation Mobile.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
- Leverage reaches 1:30 on retail accounts, so losses can build faster than on an unleveraged account.
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Regulation and registers
XTB's Cyprus entity is authorised by the Cyprus Securities and Exchange Commission, and its register entry is listed under licence MiCA CASP 259400HM2TR4U3LF5D43. The same register lists the firm's trading permissions, which is where the crypto offering comes from. A register check is the quickest way to confirm the entity behind the brand before sending money.
Opening and funding an account
The minimum deposit is €0, so the account can be opened and funded with whatever a trader wants to start with. On money moving in and out, Free deposits; free withdrawals above 100 EUR/USD states that deposits are free and withdrawals are free above a stated threshold. That means funding is cheap, while taking money out above the threshold costs nothing either. There is no account fee to open and hold the account.
What you can trade
The market list on stocks, etfs and forex covers stocks, ETFs, forex, CFDs and crypto, so one account carries share dealing alongside leveraged products. Trading runs on the platforms named in xStation 5 and xStation Mobile, which are xStation 5 for desktop and xStation Mobile for phones. Crypto is also listed as a feature, meaning digital assets sit alongside the share dealing rather than in a separate product.
Safety and regulation
Regulated by CySEC, FCA and KNF, the firm is supervised in Cyprus, the UK and Poland. Client money protection is stated as EU ICS up to EUR 20,000, which sets a ceiling on what the scheme pays out if a firm fails, and the Cyprus registration appears again as MiCA CASP 259400HM2TR4U3LF5D43. The protection scheme covers eligible client balances up to that limit, not market losses, and leverage increases the size of a loss.
What trading costs
Trading costs sit low at the headline end. A stock trade costs €0 and the account fee is €0, so holding shares does not carry a monthly charge. Forex and CFD trading is where a charge appears, with fx trading priced at 0.5%. Deposits are free and withdrawals are free above the threshold set out in Free deposits; free withdrawals above 100 EUR/USD. The minimum deposit is €0, and an inactivity fee of €10 is the one recurring cost that catches out traders who leave a balance untouched.
Who runs it
The firm trades as XTB Limited, its headquarters country is Cyprus and it has been running since 2002. The Cyprus Securities and Exchange Commission entry in the register, MiCA CASP 259400HM2TR4U3LF5D43, ties the brand to that entity. Support runs on email, chat and phone, so a trader can reach the firm by email, chat or phone rather than through a ticket queue alone.
How XTB compares
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XTB vs eToro9.3 vs 9.2eToro charges $0 on a stock trade, the same headline as XTB, but XTB lists an inactivity fee of €10 where eToro charges nothing for idleness.
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Where XTB is available
- Available
- Everywhere except United States
- Licence in Cyprus
- CySEC, checked September 26, 2026
- Licence in United Kingdom
- FCA, checked September 26, 2026
- Licence in Poland
- KNF, checked September 26, 2026
- Licence in Cyprus
- Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 259400HM2TR4U3LF5D43), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
What protection is there for money held at XTB?+
Regulated by CySEC, FCA and KNF, the firm is supervised in Cyprus, the UK and Poland. Client money protection is stated as EU ICS up to EUR 20,000, which is a ceiling on what the scheme pays if the firm fails. It does not cover market losses, so leverage is a separate risk.
How do deposits and withdrawals work?+
Deposits are free and withdrawals are free above a stated threshold, as set out in Free deposits; free withdrawals above 100 EUR/USD. That keeps the cost of funding an account with a small balance low, and taking money out above the threshold costs nothing. Below the threshold, a withdrawal fee applies.
What can I trade on an XTB account?+
The market list on stocks, etfs and forex covers stocks, ETFs, forex, CFDs and crypto, so shares and leveraged products sit in one account. Stock dealing is priced at €0, while forex and CFD trading costs 0.5%. Leverage on retail accounts reaches 1:30.
Which platforms does XTB offer?+
Trading runs on the platforms listed in xStation 5 and xStation Mobile, which are xStation 5 and xStation Mobile. A mobile app and a demo account are both listed among the features, so a beginner can practise before committing funds. The same desktop platform carries stocks, forex and CFDs.
Who is XTB and where is it based?+
The firm trades as XTB Limited, is headquartered in Cyprus and has been running since 2002. Its Cyprus registration appears in the register under licence MiCA CASP 259400HM2TR4U3LF5D43. Support is available on email, chat and phone, covering email, chat and phone.
How do XTB's costs compare with eToro and CFI?+
A stock trade costs €0 at XTB and $0 at eToro, so the headline share dealing cost is the same. CFI's minimum deposit is $0, matching XTB's €0, but XTB's forex and CFD side carries an fx charge of 0.5%.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=CY”
- hello-brokers.com/en-ie/brokers/xtb checked September 26, 2026
Backs: Founded, Investor protection, Maximum retail leverage, Platforms, Regulators
“Founded - HQ 2002 - Warsaw, Poland”
- eupersonalfinance.eu/articles/xtb-review checked September 26, 2026
Backs: Inactivity fee
“Inactivity Fee EUR 10, after 12 months of inactivity”
- linkedin.com/company/xtb checked September 26, 2026
Backs: Support channels
“available 24/5 via email, chat or phone”
- xtb.com checked September 26, 2026
Backs: Retail accounts that lose money
“77% of retail investor accounts lose money when trading CFDs with this provider”
- xtb.com/cy/account-and-fees checked September 26, 2026
Backs: Features, Currency conversion fee, Account fee, Minimum deposit, Pricing model, Stock trade fee, Deposit and withdrawal fees
“Investing platform availability Mobile, Desktop, Tablet”
- xtb.com/int/partnerships checked September 26, 2026
Backs: Markets, Audience
“stocks, ETFs, and CFDs - Forex, indices, commodities, and cryptocurrencies”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
XTB
One account for stocks, ETFs, forex, CFDs and crypto with no account fee and free deposits.