XTB review

Pros and cons

Who it suits

• Beginners new to investing, since the audience XTB is built for is beginners and the minimum deposit is €0.
• UK and EU customers who want stocks, etfs and forex behind a single login and who read FSCS up to GBP 85,000 before funding.
• People who want the same platform on desktop and phone, with xStation 5 and xStation Mobile both carrying the account.

Who should look elsewhere

• Not bunq, which asks for a minimum deposit of €10 where XTB opens at €0.
• Not CFI if the opening amount is your only guide, since its minimum deposit is also $0 and the real difference is markets and protection.
• Not Fiesta Credito MX, listed under CONDUSEF for credit rather than for trading stocks, etfs and forex.

Safety of your money

XTB is supervised by CySEC, FCA and KNF, so the group answers to more than a single national regulator rather than to one authority. Investor protection is listed as EU ICS up to EUR 20,000. The Cyprus entity also appears in the crypto register under MiCA CASP 259400HM2TR4U3LF5D43, which is the entry that matters if you hold digital assets on the account. Because a group can run separate entities in separate countries, the useful question is which firm your account is opened with and which scheme sits behind that firm, rather than the name on the app. UK customers sit under the FCA listing and Polish customers under the KNF listing, so the protection route changes with the entity you join.

Getting started

Opening takes a minimum deposit of €0, so you can put in a small sum and top it up later rather than commit a set amount. Money arrives by bank transfer, which is the funding route on the list. Deposits are free, and withdrawals are free above a set threshold in EUR or USD, so smaller withdrawals can pick up a charge. The account is easy access, with nothing locked for a term, and interest is paid on uninvested funds, calculated daily and settled monthly, with no minimum or maximum balance and withdrawals to your bank account in any amount. That makes the cash side cheap to hold, as long as you withdraw in reasonably sized amounts.

Markets and platforms

Everything sits under a single account: stocks, etfs and forex can all be traded from the same login, so there is no need to hold separate share dealing, currency and derivative accounts. The mix matters for cost, because a broker paid through spreads on currencies behaves differently from a broker paid a flat commission on shares, and under a commission-free model most of the cost sits in a small number of lines rather than in a monthly bill. On the practical side, trading runs on xStation 5 and xStation Mobile, the desktop build and the mobile app, and both keep your watchlists and order history in the same place.

Where it sits among rivals

Against the brands ranked here, XTB sits at 1 of 142 on account fee, 1 of 218 on minimum deposit, and 1 of 166 on stock trade fee. The weak spot is the inactivity fee, where it is 39 of 56, and that is the line to read closely before you open an account and leave it idle. The overall score is 5.9, with the cost part at 5.9.

Fees and currency costs

On the easy-access account the running costs are thin. The account fee is €0, the stock trade fee is €0 and the minimum deposit is €0, so holding an account and opening it both cost nothing under the commission free and low fees model. A couple of those lines deserve a closer look. The inactivity fee is €10, charged when an account sits unused, and it is the only charge that can arrive without you trading. The currency conversion fee is 0.5%, and it lands on top of a share trade carrying a stock trade fee of €0 whenever your account currency and the trade currency differ, which matters for anyone holding US shares. On moving money, deposits are free and withdrawals are free above a set threshold in EUR or USD, so frequent small withdrawals are the pattern to avoid.

Who runs it

The regulated business is XTB Limited, based in Cyprus (CY) and trading since 2002. Its crypto registration appears as MiCA CASP 259400HM2TR4U3LF5D43, the entry that covers digital asset activity. Support runs on email, chat and phone, so you can reach a person by email, chat or phone rather than filling in a form and waiting. The audience it is built for is beginners, which shows in the demo account and the commission-free pricing rather than in tiered platforms for high volume traders. Group status means your account is opened with a specific local entity, so the firm named on your paperwork is what matters for protection.

How XTB compares

• 

  MC Prime

  9.3 vs 9.4
• 

  LANDE

  9.3 vs 8.7
• 

  Silver Gold Bull

  9.3 vs 8.3
• 

  MarketScreener

  9.3 vs 8.5
• 

  ActivTrades

  XTB vs ActivTrades9.3 vs 9.4
• 

  NAGA

  9.3 vs 8.7
• 

  eToro

  XTB vs eToro9.3 vs 9.2
• 

  Linxea

  XTB vs Linxea9.3 vs 8.7
• 

  UNest

  XTB vs UNest9.3 vs 8.6
• 

  Mintos

  XTB vs Mintos9.3 vs 9.2
• 

  Kitco

  9.3 vs 9.2
• 

  iuvoSAVE

  9.3 vs 9.0
• 

  BlackBull Markets

  XTB vs BlackBull Markets9.3 vs 9.2
• 

  Kraken

  XTB vs Kraken9.3 vs 9.2
• 

  Pepperstone

  XTB vs Pepperstone9.3 vs 9.2
• 

  wikifolio.com

  9.3 vs 9.1
• 

  Binance

  9.3 vs 9.0
• 

  Bitget

  9.3 vs 9.0
• 

  EBC Financial Group

  XTB vs EBC Financial Group9.3 vs 9.0
• 

  moomoo

  9.3 vs 9.0
• 

  Afranga

  9.3 vs 8.8

Frequently asked questions

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: Derivatives, Exchange type, Retail accounts that lose money

  “CFDs: Bitcoin, Uniswap, Ripple, Dogecoin”

• xtb.com/cy/account-and-fees checked September 26, 2026

  Backs: Account fee, Deposit and withdrawal fees, Features, Fiat deposit methods, Currency conversion fee, Maker fee, Minimum deposit, Pricing model, Stock trade fee, Taker fee, Withdrawal fee

  “Account opening and maintenance - Free for all active clients”

• xtb.com/cy/crypto checked September 26, 2026

  Backs: Coins listed

  “45+ crypto - Invest in real Bitcoin, Ethereum, Solana and other crypto”

• xtb.com/en/account-and-fees checked September 26, 2026

  Backs: Deposit protection, Monthly fee

  “Account opening and maintenance - Free for all active clients, regardless of account balance”

• xtb.com/en/interest checked September 26, 2026

  Backs: Access terms, Account kind, Headline rate, Rate type

  “Interest rate is calculated daily and paid out monthly within five days of the following month. No action is required, as the interest rate is activated automatically for all clients with uninvested...”

• xtb.com/int/partnerships checked September 26, 2026

  Backs: Audience, Markets

  “trusted by over 2 million investors worldwide”