XTB Review – Top Key Points 2021

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XTB Review 2021 Overview

XTB Review: XTB is a popular global multi-asset broker founded in Poland in 2002, primarily regulated by Polish regulation (KNF) as well as with the Financial Conduct Authority (FCA) in the UK. It offers a wide selection of tradeable instruments, over 2100+ instruments in 6 different classes from FX pairs, Indices, Commodities, Stock and EFT CFDs, and cryptocurrency trading. At XTB forex trading cost is highly competitive but CFD trading cost is slightly higher than the industry average. XTB’s flagship proprietary web trading platform is called “xStation 5”, which is also available for mobile devices. It does support the “MT4” platform but you will not be able to enjoy all features MT4 has to offer. XTB broker provides brilliant research tools and educational materials.XTB Review

XTB Review: Top Key Points for XTB in 2021

XTB Review

XTB is a trusted brokerage firm. Founded in 2002, holds 19+ years of financial market good records. Here are our top key points on XTB:

Licensed and authorized by 1 top-tier jurisdiction FCA, 1 tier-2, and 1 tier-3 jurisdiction, Offers compensation fund

​Wide range of tradeable instruments (2100+), with 49 currency pairs including majors, minors, and exotics

Forex trading cost is highly competitive in the industry, and CFD trading cost is average

Most deposit and withdrawal options are free of charge, multiple social trading platforms, and a proprietary mobile app

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XTB Review: Is safe or a scam?

XTB is a globally regulated broker, licensed and authorized by 1 top-tier regulator (high trust), 1 tier-2 (average trust), and 1 tier-3 (low trust) regulatory jurisdiction. So consider an average risk broker.  in the U.K. and registered with the Financial Conduct Authority (FCA) as well as the Polish Financial Supervision Authority (KNF). XTB broker was founded in Poland in 2002, has more almost two decades of experience in the financial market. XTB starts its journey as “X-Trade” in 2002 and later its rebranded as its current name “XTB Online Trading” in 2009, and currently serving 300k+ traders worldwide. Primarily regulated by (KNF). In order to increase their credibility and gain acceptance among traders, they took authorization from the Financial Conduct Authority (FCA) in the United Kingdom. Which allowed XTB to offer a more secure and user-friendly trading environment.

XTB Review

Another benefit of FCA-regulated brokers is, they also a member of the Financial Services Compensation Scheme (FSCS), under this scam up to £ 85,000 clients’ funds are protected, which means if anything goes wrong with these brokers traders will get up to £ 85,000 compensation funds. XBT operates in Europe under CySEC regulation which is compliant with the EU’s Anti-Money Laundering Directive, where up to € 20,000 clients’ funds are protected under The Investor Compensation Fund (CIF). Clients ‘money is kept in a segregated bank account, never use clients’ money for its own business activity due to regulations. In the past 19 years, it achieved a good reputation from the traders.

Please Note: Non EU/UK traders will trade under (IFSC) the International Financial Services Commission in Belize.


  • Founded in 2002, serving 300k+ clients worldwide with a wonderful reputation for more than two decades
  • Regulated by the top-tier regulatory institution, compensation fund available (European clients only)
  • Wide selection of tradeable instruments, tight spreads in forex pairs
  • Most deposit and withdrawals methods are free


  • Compensation fund available only for European clients
  • Compensation fund only available for European clients, and does not accept traders from U.S
  • Trading non-FX CFDs contains higher spreads
  • No guaranteed stop loss
  • No back-testing or automated trading capabilities from xStation 5

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XTB Review : XTB licenses

XTB broker licensed globally from multiple regulatory institutions. Regulatory institutions as follow:

  • XTB International Limited (XTB) is authorized and regulated by the International Financial Services Commission in Belize. (IFSC License No.: 000302/185)
  • XTB is registered in Belize under Registered Number 153,939 Company address: 35 Barrack Road, 3rd Floor, Belize City, Belize, C.A
  • X-Trade Brokers DM SA is authorised and regulated by the Komisja Nadzoru Finansowego (KNF) in Poland under license number DDM-M-4021-57-1/2005
  • XTB Limited is authorized and regulated by the Financial Conduct Authority in the United Kingdom under license number 522157
  • XTB Sucursal is authorised and regulated by the Comisión Nacional del Mercado de Valores in Spain
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Trading Instrument available at XTB broker

XTB Review

XTB is a Forex and CFD broker offering FX pairs, Indices, Commodities, Stock and EFT CFDs, and even cryptocurrency trading. Currently, offering over 2100 tradeable instruments which is considered an average selection compared to market leaders like XM Group, CMC Markets, or SAXO Bank, each of them offers more than 10,000 instruments in different assets. Although forex trading cost is slightly lower it offers only 48 forex pairs including major, minor, exotic pairs with low spreads from 0.1 pips in EUR/USD pair, and up to 1:500 leverage for non-UK clients, and up to 30:1 leverage available for UK clients due to its regulation.

The following table summarizes the different Instrument available at XTB broker:

Features XTB
Total Instruments 300+
Copy Trading Yes
Cryptocurrency No
Cryptocurrency (CFD) Yes
Forex Pairs 57
Currency pairs 48
Cryptocurrencies Bitcoin, BitcoinCash, Ethereum, Litecoin, Ripple
Precious Metals gold, silver & copper
Stocks CFDs 1846
EFT CFDs 135

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XTB Review Broker Trading Cost

XTB Review

Trading Cost: XTB offers both commission-based and commission-free trading opportunities. Two main different account types are available Standard and Pro accounts, where the Standard account is commission-free and operates under the market maker model with a minimum spread listed at 0.949 pips in EUR/USD pair. PRO accounts operate under the NDD model, where spreads are highly competitive starts from 0.349 pips and a small commission of $4 lot per side and $8 per round lot, this makes a total of 1.149 pips. Besides these, an Islamic Account also available which has so swap-fee and operates under a fixed $10 commission per lot, and the spread starts at 0.7 pips. PRO account has a better advantage over Standard account. PRO account is tailored for professionals traders with huge equity, and for average traders, we prefer the Standard account type.

Standard accounts: Standard account type is commission-free but contains higher spreads among all account types. Spreads start from at 0.949 pips in EUR/USD pair and higher spreads at minor and exotic pairs. The standard account type is tailored for newbie traders who want simple, direct market access with no commissions.

Professional (Pro) Account: The PRO account offers the most competitive pricing overall. Spreads start from 0.349 pips and a commission of $3.5 per standard lot. PRO is great for professional traders who need deep liquidity and sharp spreads.

Please Note: Spreads on the MT4 platform are slightly higher than the XTB’s flagship platform xStation 5.

Features Standard Pro Islamic
Minimum Deposit $0 $100 $0
Minimum order size 0.01 lot 0.01 lot 0.01 lot
Average Spread at EUR/USD 0.949 pips 0.349pips 0.7 pips
Rebate program Yes Yes Yes
Max Leverage 1:500 1:500 1:500
Minimum Balance Zero Commissions $3.5 per side/ standard lot $10 fixed commission


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XTB Review: Inactivity Fees:

XTB broker charges an inactivity of  €10 monthly (or equivalent in GBP, USD),  if you do not trade on your account for more than 12 months. And when start trading again the inactivity fees charge will stop automatically, and you will not be charged until at least 12 months after your last trade.

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XTB Broker: Rebate Program

XTB Broker provides rebates (pricing discounts) to its active traders (trade high volume qualify as professionals under XTB rules, however, there are different eligibility rules.), You will be eligible for a rebate program if you trade more than 15 to 1000 standard lots, then you can contact your personal account manager and ask for the personalized discount program.

Please Note: Traders from UK/EU will not eligible for discounts due to the UK and European regulations. It is against regulations to offer cash-based incentives to retail traders in the EU. However, XTB UK does offer a rebate program that is available to high volume traders.

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Deposit and withdrawal fees

Multiple payment methods are available for funding and withdrawal procedures. Most deposits and withdrawals methods available at XTB are free of charge but e-Wallets charge 1-2% deposit fees.

Different deposit methods offered by XTB:

  • Bank Wire Transfer
  • Credit/Debit Cards, MasterCard, Visa
  • E-wallets: Skrill (2%), Neteller (1%), paysafe, and safetypay (1.5%)

Withdrawal Fees:

Withdrawals are mostly free but for wire transfer, if you withdraw less than $50 you have to pay an additional commission of $30. Standard withdrawals processing time is 1 business day but it’s not guaranteed as it’s dependent on the type and location of your bank.

XTB broker minimum deposit

XTB broker doesn’t require any minimum deposit amount, but you should deposit a decent amount depending on your trading strategy and expectancy.


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Trading Platforms and Tools available at XTB

XTB features a flagship proprietary web trading platform called “xStation 5” for PC devices and “xStation” mobile app for both android and iOS platforms. xStation 5 gives access to more advanced tools for more advanced traders. It’s fully compatible with Chrome, Firefox, Safari, and Opera. Also through xStation 5 you can choose from over 4000 instruments including CFDs for FX, cryptocurrencies, indices, commodities, stocks, and ETFs from around the world. Its user interface looks very simple and intuitive that enhances its appeal. It enables traders to build watchlists, and modifying charts all seem simple and intuitive. Maybe not the most feature-rich platform in the market like Saxo Bank or IG, but its ease of use makes it highly useful.

xStation 5 features some additional tools like heat mapping, versatile stock screener, and sentimental analysis. And some drawbacks we notice are the ability to create custom indicators and also the lack of two-step authentication secure login.

Metatrader: The only third-party trading platform available is MetaTrader 4 (downloadable) platform ( MT5 is not offered). Remember MT4 offered from XTB doesn’t support automated trading, and Spreads on the MT4 platform are slightly higher than the XTB’s flagship platform xStation 5.

Features XTB
Proprietary Platform Yes
Mobile App Yes
MT4 Yes
MT5 No
cTrader No
DupliTrade No
ZuluTrade No
NinjaTrade No
Charting Indicators 51
Charting Drawing tools 31
Copy/social Trading Yes
Demo Account Yes

Attention: No fees for Deposit and Withdrawal also spread is highly competitive in the XM broker. Read our detailed review about the XM broker. Click Here.

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XTB’s Mobile App (xStation)

XTB offers a proprietary mobile app called xStation and MetaTrader 4 mobile app. So if you used MetaTrader previously and feel comfortable with MetaTrader you can use it or you can try its proprietary mobile trading app which is available for iOS and Android platforms.

XTB Review

xStation App: xStation app features the same functionality as its web platform xStation 5. Its user interface looks and feels the same as its web platform. You can directly access breaking news, easily manage your account, setting up Stop Loss and Take Profit levels, transparent charts,  also there is a built-in trading calculator, also some educational content. Dark mode is available.

However, XTB mobile app far behind the proprietary mobile apps offered by competitors such as IG Markets or Saxo Bank.

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XTB REVIEW: Research Tools

XTB broker provides research tools from the combination of in-house and third parties resources which competes among the best brokers. It has a wide range of versatile technical analysis tools that helps traders to speculate next market moves and take the best trade. Especially smart trader tools like the News section support filtering by instruments, economic reports, etc.  Publish daily market updates in the market news section.

In the Market Analysis tab, you will find filtering options for different market conditions like top movers, heat map, and market sentiments, etc.

However, we feel the lack of daily market updates videos, and news from Trading Central, and also Autochartist features.

Features XTB
Market Insights Yes
News Yes
Trading Signals No
Autochartist No
Copy Trading Yes
Forex calculators Yes
Economic Calendar Yes

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XTB REVIEW: Education

XTB Review

XTB broker provides high-quality written content and video materials for free, Courses are divided into 4 categories Basic, Intermediate, Expert, and Premium training courses along with written content about Forex and CFD trading. You can access Basic and Intermediate level courses directly from the website without signing up, and to access premium content you have to sign in to XTB web platform xStation 5, all these courses are free of cost. By the way, Expert level course are not published yet. Overall, we found the content quality is great and covers most of the fundamentals of trading. XTB’s educational resources stand out with market leaders like XM, or CMC Markets. XM group publishes tons of market insights and educational resources every day, so don’t forget to check out them.

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XTB REVIEW: Conclusion

Overall, XTB is an average trusted broker regulated by top-tier financial institutions. offers highly competitive pricing in forex. Opening an account is a straightforward process and deposit/withdrawal processes mostly free. Offering proprietary platform also MetaTrader 4. The bottom line is XTB could be a good choice for traders who is happy with the lack of MetaTrader’s full suite, other than that XTB broker offers many potential trading resources from which traders can be benefited from trading online.  For CFD traders there many other better choices available like XM, or Saxo Bank as their wide range of instruments and rich educational resources will satisfy most beginners and advanced traders.


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Expert Score 8.5
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Tradeable Instruments
Commissions & Fees
Platform & Tools
Research Tools
Mobile Trading
  • Wide range of tradeable instruments
  • Competitive Pricing
  • Regulated broker with 19+ Years of Market Experience
  • Free deposit and withdraws
  • Demo accounts, swap-free accounts
XTB Review – Top Key Points 2021
XTB Review – Top Key Points 2021
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