XTB

Polish-listed broker with award-winning xStation 5 platform and real stocks.

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4.8/5

1,654 reviews

Founded

2002

Min. deposit

Regulated by

FCA · KNF

Platforms

MT4, PROPRIETARY

XTB homepage — www.xtb.com

Quick take · 30s

Founded 2002 in Warsaw — publicly listed on Warsaw Stock Exchange (WSE: XTB)
FCA, KNF (Poland), CySEC, FSCA, DFSA multi-tier-1 licensing
Award-winning xStation 5 proprietary platform
Real stocks and ETFs (not just CFDs) commission-free in most regions

What we liked & What we didn't

What we liked

+Five tier-1 regulators across UK, EU, South Africa, UAE
+Publicly listed Polish company with transparent financials
+xStation 5 platform consistently wins industry awards
+Commission-free real stocks and ETFs in most regions
+Comprehensive market analysis and educational content

What we didn't

−MT4 deprecated — XTB is gradually moving clients to xStation only
−FCA leverage capped at 1:30 for retail clients
−Cryptocurrency CFD availability varies by jurisdiction

Overview

XTB (formerly X-Trade Brokers) is a publicly listed Polish broker (WSE: XTB) founded in 2002 in Warsaw. With five tier-1 regulators and over 20 years of operation, XTB has grown into one of Europe's largest retail brokers. The proprietary xStation 5 platform — consistently award-winning — is XTB's flagship and increasingly replaces MT4 across the client base.

Regulation & safety

XTB carries FCA (UK), KNF (Polish Financial Supervision Authority), CySEC (Cyprus), FSCA (South Africa), and DFSA (Dubai) licenses. The KNF license is particularly notable — Polish financial supervision is rigorous, and XTB's Warsaw listing means public quarterly disclosures. UK clients get FSCS protection up to £85,000.

Account types

Single main account type with no minimum deposit. Standard pricing for spread-based instruments, commission-free real stocks and ETFs (up to certain monthly volume). Professional client status available for elevated leverage.

Fees & spreads

Standard EUR/USD spreads from 0.5 pips. Stock and ETF transactions commission-free up to €100,000/month traded; 0.2% commission thereafter (minimum €10). No deposit fees. Standard withdrawal fees on some methods.

Trading platforms

xStation 5 is XTB's pride — web, desktop, and mobile versions with advanced charting, market sentiment data, performance statistics, and an integrated trader's calculator. MT4 is still available but XTB is gradually deprecating it. New traders are onboarded straight to xStation.

Asset class coverage

5,400+ instruments: 70+ forex pairs, 2,000+ stocks, 200+ ETFs, indices, commodities, and cryptocurrencies. The stock and ETF offering is unusually deep — XTB offers real share dealing alongside CFDs in supported regions.

Customer support

24/5 phone, email, and live chat. Multilingual support across European languages. Response times average under 3 minutes during business hours.

Verdict

XTB is the broker for European traders who want top-tier regulation, a modern proprietary platform, and commission-free real stock investing alongside CFD trading. The xStation 5 platform is genuinely modern in ways MetaTrader is not.

For traders heavily invested in the MT4 ecosystem (EAs, custom indicators), the deprecation roadmap matters. For everyone else, XTB is one of Europe's strongest broker options.