XTB review

Is XTB regulated where you live?

XTB is regulated in every country it serves here. Where you live usually decides which XTB company takes you on, and your leverage and protections come from the company that opens your account and its regulator. In Poland, XTB usually places someone with XTB S.A., the Polish parent, which the KNF authorises. Someone in Malaysia usually gets the global company, XTB International Limited, licensed by Belize’s Financial Services Commission. That person usually gets more leverage, up to 500:1 on EUR/USD, and fewer protections.

Even if the global company takes you on, the group also holds licences from the FCA, the KNF, CySEC and the DFSA. Those regulators check who owns and runs the group and hold the group’s companies in their countries to their rules on capital and client money, though those rules protect only those companies’ clients. XTB’s parent is listed on the Warsaw Stock Exchange, so its audited accounts cover the whole group, the global company included. The last column gives what the global company’s own terms say about your country.

These figures were checked between 4 October 2026 and 17 October 2026. Confirm them with the broker before you open an account.

Eight countries aren’t served. XTB has no Australian company, its Belize company’s terms exclude Brazil by name, and Argentina, Chile, Colombia, Mexico, Peru and Indonesia aren’t on that company’s list of accepted countries.

Germany usually gets XTB S.A. German Branch, which operates under the Polish company’s authorisation. BaFin supervises its conduct but didn’t grant it a licence. The Belize company holds client money segregated, but its terms say you must pay up a negative balance when asked.

Forex basket at the global company

Forex spreads at XTB International Limited run from 0.00012 on USD/CHF to 0.00019 on USD/CAD, leaving out the two yen pairs. Every pair trades around the clock from Sunday night to Friday night.

Key NP not published by the provider

These figures were checked on 14 September 2026. Confirm them with the broker before you open an account.

Crypto basket at the global company

Crypto spreads at XTB are quoted as a share of the price, so they don’t line up with the forex figures. Each coin is priced against the US dollar.

Key NP not published by the provider

These figures were checked on 14 September 2026. Confirm them with the broker before you open an account.

Account maximum against instrument ceilings

The account maximum at the Belize company holds only for forex and gold. Silver, copper, natural gas and the two crude oils get a far lower limit, and every coin lower still. Like the UK and Polish companies, it sets margin tiers across the whole account and tells you about a leverage change after making it.

Key NP not published by the provider

These figures were checked between 14 September 2026 and 26 September 2026. Confirm them with the broker before you open an account.

Costs it publishes

XTB publishes few of the cost details compared here. There’s no average spread with a method behind it and no amount for an inactivity fee. The comparison tables still file its single spread figure under average, and the standard account shows a dash for commission.

Key NP not published by the provider

These figures come straight from each broker’s published information, with no check date noted. Confirm them with the broker before you open an account.

Funding

Funding at the Belize company has no minimum deposit, and accounts are held in US dollars only. Card and bank deposits are free, while Skrill and Neteller deposits carry a fee. The global page states a withdrawal is sent the same or next business day in its text, but its table says next business day. On the Thai page, a withdrawal is sent same day if you request it before 14:00, otherwise 2 to 3 business days (Thai fees page). The UK company also states no minimum and free deposits and withdrawals, and it offers accounts in pounds, euros and US dollars. Every other broker’s funding terms are on the comparison page. Because the broker can change these terms and those in the by-country table below at its own discretion, always double-check them on the broker’s own website before you deposit.

These figures were checked between 29 September 2026 and 30 September 2026. Confirm them with the broker before you open an account.

Funding, by country

Funding through a local payment rail is possible only in Thailand, where XTB takes PromptPay. Crypto deposits are a No in the UK and the four Asian countries, and XTB publishes nothing either way for the six European ones.

Key NP not published by the provider

These figures were checked between 27 September 2026 and 16 October 2026. Confirm them with the broker before you open an account.

Platforms and tools

Platform choice at XTB comes down to xStation 5. There’s no API access or copy trading, and XTB says nothing about TradingView.

Key NP not published by the provider

These figures come straight from each broker’s published information, with no check date noted. Confirm them with the broker before you open an account.

What you can trade

XTB’s global company lets you trade more than 12,000 instruments, but it doesn’t break that number down into forex, indices, commodities or crypto (global fees page). The UK site has 11,900 instruments and the Spanish fees page lists 12,700 (UK platform page, Spanish fees page). On its Spanish home page the figure is more than 12,800, including more than 7,400 shares and more than 2,300 Europe-listed ETFs (Spanish home page). The UK company doesn’t offer options or bonds.

Key NP not published by the provider

These figures come straight from each broker’s published information, with no check date noted. Confirm them with the broker before you open an account.

More markets don’t always mean a better broker for you. Leverage, overnight financing, execution and costs often affect a trade more (what matters besides the market count).

Every company in the group

Six companies make up the XTB group, and two of them serve none of the countries covered here. XTB MENA Limited in Dubai is under the DFSA and keeps the same retail leverage limit as the European companies. XTB Limited in Cyprus, under CySEC, only holds accounts opened before September 2021.

Key NP not published by the provider

These figures were checked between 4 October 2026 and 17 October 2026. Confirm them with the broker before you open an account.