XTB Review 2025

This time we will give you a full analysis and Honest review about XTB forex Broker to determine if it is the best fit for you as an Investor or Future one.

We highly recommend XTB as a world-class trading platform for traders of all experience levels. XTB’s xStation 5 make trading accessible and efficient, an intuitive, easy-to-use interface that is fully customizable to suit individual trading styles.

Overview:

XTB was founded in 2002, and it is a globally recognized forex and CFD broker headquartered in Poland, with operations in over 13 countries. Regulated by top-tier authorities such as the Financial Conduct Authority (FCA), Cyprus Securities and Exchange Commission (CySEC), and others.

This is something really important to consider while choosing a Broker, they are European, and they have been in this industry for more than 20 years now!

XTB ensures a secure trading environment.

The broker provides access to over 6,200 financial instruments, including forex pairs, stocks, ETFs, commodities, indices, and cryptocurrencies, all tradable via its proprietary xStation 5 platform. Known for competitive spreads starting at 0.5 pips, no minimum deposit requirement.

XTB has a strong emphasis on trader education, XTB caters to both beginners and seasoned investors. Which is great if you are starting but as well if you have experience you can always keep learning.

You can find many reviews online, but here we have collected for you the 10 main Pros and Cons that we have found at Factor Profit, that may help you to take a better decision about what broker to choose:

Pros:

• Top-Tier Regulation: XTB is regulated by trusted authorities like the FCA and CySEC, ensuring client funds are held in segregated accounts and protected under investor compensation systems. Remember, they have been in the industry for over 20 years!
• Competitive Fees: Spreads start at 0.5 pips on major forex pairs for Standard accounts, with no commission, making it cost-effective for retail traders. This is important because you can maximize your profits every time that you save on fees, suddenly you are profitable.
• Their famous xStation 5 Platform: This award-winning platform offers advanced charting, one-click trading, sentiment analysis, and a built-in economic calendar, praised for its speed and usability. Great for beginners and loved for experts.
• Diverse Instruments: With over 6,200 assets, including 48 forex pairs, 1,800+ stocks, and 40+ ETFs, traders have ample opportunities to diversify. Even you can buy BTC and other cryptocurrencies.
• No Minimum Deposit: XTB allows traders to start with any amount, lowering the entry barrier for beginners. From the bottom to the top. Sky is the limit.
• Robust Educational Resources: The broker provides extensive learning materials, including webinars, video courses, and a trading academy, ideal for novices. As we mentioned before, they have a lot of learning materials made by professionals.
• Fast Withdrawals: Withdrawals over $50 are processed on the same day, ensuring quick access to funds.
• Transparent Pricing: XTB maintains clear fee disclosures, with no hidden charges, fostering trust among users.
• Mobile Trading: The xStation 5 mobile app delivers a seamless experience with full platform functionality, including charting and trade execution.
• Responsive Customer Support: Available 24/5, XTB’s support team offers multilingual assistance via live chat, email, and phone, with dedicated account managers for personalized guidance.

Cons:

• No MetaTrader Support: XTB does not offer MetaTrader 4 or 5, which may disappoint traders reliant on these industry-standard platforms for automated trading or third-party tools.
• Inactivity Fee: A $10 monthly fee is charged after 12 months of account inactivity, which could affect occasional traders.
• Limited Leverage Control: Traders cannot manually adjust leverage levels, which are set by default based on regulation and account type.
• No U.S. Clients: Due to regulatory restrictions, XTB is unavailable to U.S.-based traders, limiting its global reach.
• Portfolio Limitations: The broker lacks offerings in bonds, futures, and options, restricting portfolio diversification for advanced traders.
• Currency Conversion Fees: A 0.5% fee applies to trades in foreign currencies, which can add up for multi-currency portfolios.
• No Guaranteed Stop Losses: Without guaranteed stop-loss orders, traders face higher risks during volatile market conditions.
• Limited Social Trading: XTB Social, a copy-trading feature, is only available in Poland, excluding most international users.
• High CFD Risk: Between 69-83% of retail CFD accounts lose money due to leverage, a risk inherent to XTB’s primary offering.
• Portfolio Fee for Large Accounts: A 0.2% annual fee applies to portfolios exceeding €250,000, which may deter high-net-worth traders.

History

XTB Group has established itself as a prominent name in the world of financial trading since its founding in Poland in 2004. Over the past two decades, the company has experienced dynamic growth, becoming one of the largest stock exchange-listed brokers for forex and CFDs. With nearly 20 years of expertise, XTB operates offices in over 13 countries, including the UK, Germany, France, Poland, and Chile, catering to traders worldwide.

Tradable Assets

XTB provides access to a broad range of tradable assets, allowing traders to diversify their portfolios with ease. These include:

Additionally, XTB offers competitive spreads, ensuring cost-effective trading conditions that appeal to both novice and experienced traders.

Safety and Regulation

XTB’s branches are closely monitored by leading financial authorities, including the UK’s Financial Conduct Authority (FCA), Poland’s Financial Supervision Authority (KNF), Cyprus’s Securities and Exchange Commission (CySEC), and the Financial Services Commission (FSC).

When you open an account, you’ll register with one of XTB’s branches.

Here are the main ones:

Fees

XTB’s fee structure is designed to be trader-friendly. The broker offers low swaps, making it easier for traders to maintain open positions over extended periods without incurring significant costs. Account opening is free, and traders can start with micro-lots as small as 0.01 lots, making XTB accessible to those with a lower initial investment.

Summary

XTB, a leading forex and CFD broker, is regulated by top authorities like the FCA, KNF, CySEC, and FSC. Sign up with one of its branches to trade over 6,200 instruments, including forex and stocks, on the intuitive xStation 5 platform or top-rated mobile app, ideal for managing portfolios on the go. As one of Europe’s fastest-growing fintechs, XTB offers low fees from 0.5 pips, no minimum deposit, free and instant deposits, and excellent educational tools for all traders. However, it lacks MetaTrader, has high CFD risks (69-83% lose money), and doesn’t serve U.S. clients. Join XTB’s cutting-edge, user-friendly platform today.