xtb review

XTB is a reliable and user-friendly investment platform that is ideal for beginners and experienced investors alike. It offers a wide range of investment options, low fees and quality customer service. If you’re looking for a platform to help you achieve your investment goals, XTB is a great choice.

XTB would be the best choice for traders for the CFD trading fees and product selection alone, but it has recently expanded its offering to include real stocks and ETFs in many countries, making it ideal for CFD traders looking to diversify into more traditional assets. All of this can be done on XTB’s excellent xStation suite of trading platforms, which I found really well designed and easy to use. XTB is one of the largest and most established CFD brokers. As well as CFDs, you can also invest in real stocks and ETFs, making XTB a solid choice for traders and investors alike.

XTB has low trading fees and non-trading fees. In many cases, there’s no withdrawal fee, and there is free stock and ETF trading. XTB currently pays interest ( 5% for USD) on cash balances for all clients. However, there’s an inactivity fee.

Real stocks and ETFs with no feesIt’s extremely great because XTB has fee-free trading in US stocks.

XTB only provides real stocks and ETFs for UK and EU customers (EU customers that fall under XTB’s Polish entity). There are no fees for stocks and ETFs if you trade less than €100,000 in a month. While this is favorable, it’s still not the best deal on the market as some competitors, such as eToro or Capital.com, offer fee-free trading with no restrictions.

Low foreign exchange fees

All fees are built into the spread, so there is no separate commission charged. For example, the EUR/USD spread is 0.8.

Low idle fee, no withdrawal fee

You pay no account maintenance fee, no fee for bank transfer deposits, and no fee for bank transfer withdrawals above a certain threshold (between $50-200 depending on your country of residence).

The fee for credit/debit card or e-wallet deposits depends on your country of residence. The fee charged for these transfers is usually up to 2%. For example, for customers in the UK, credit/debit card transfers are free, but USD transfers via e-wallets are charged at 2%.

Finally, there is a monthly fee of €10 after a year of inactivity.


XTB is regulated by several financial authorities around the world, including the UK’s highest authority, the FCA. It is listed on the stock exchange but does not have a banking licence.

Deposit and withdrawal

Deposits and withdrawals at XTB are fast and mostly free. You can deposit/withdraw money by bank transfer, credit/debit cards and e-wallets.

Selection of products

XTB’s range includes CFDs on stocks, indices, ETFs, commodities, currencies, cryptocurrencies, real stocks and real ETFs. Popular assets such as bonds, mutual funds, options or futures are not available.