XTB Review 2026
Full XTB review for Lithuania traders — regulation, spreads, fees and our honest verdict.
Regulation in Lithuania
| Regulator | CySEC CySEC — Cyprus Securities and Exchange Commission (CySEC) |
| Licence Number | 169/12 |
| Regulated Entity | XTB International Ltd |
| Max Leverage (Forex) | 1:30 |
| Minimum Deposit | $0 |
| EUR/USD Spread | From 0.1 pips |
| Instruments | 5,800+ |
| Platforms | xStation 5, MT4 |
| Copy Trading | ✗ |
| Real Stocks | ✓ |
| Inactivity fee | Inactivity fee: EUR10/month after 12 months |
Verdict
Regulated by CySEC (licence 169/12). Minimum deposit $0. In Lithuania: maximum forex leverage 1:30.
About XTB
XTB was founded in 2002 and is headquartered in Warsaw, Poland. The broker offers 5,800 tradeable instruments including forex pairs, CFDs on stocks, indices and commodities. XTB is publicly listed on the WSE:XTB. It is regulated across multiple jurisdictions with a primary licence held by XTB International Ltd under CySEC.
In Lithuania, XTB operates as XTB International Ltd, authorised by CySEC under licence number 169/12. Lithuania traders are subject to a maximum leverage of 1:30 on forex pairs under CySEC rules.
Trading Platforms
Pros
- CySEC regulated — licence 169/12
- 5,800+ instruments to trade
- Negative balance protection in Lithuania
- Platforms: xStation 5, MT4
- Real stock ownership (not CFD)
Cons
- Inactivity fee: EUR10/month after 12 months
- 76% of retail clients lose money
- CFD trading — you do not own the underlying asset
Frequently Asked Questions
Is XTB regulated?
XTB holds CySEC licence 169/12, issued to the regulated entity {entity}. This is a real, verifiable licence recorded in the official CySEC public register.
What is the minimum deposit for XTB in Lithuania?
The minimum deposit is $0. This is the amount required to open a live trading account for traders in Lithuania under CySEC regulation.
What leverage does XTB offer in Lithuania?
In Lithuania, XTB offers maximum forex leverage of 1:30 under CySEC rules. Higher leverage may be available through offshore-regulated entities.
Is XTB safe to trade with?
XTB is regulated by CySEC, which requires segregated client funds, negative balance protection and independent audits. Regulation does not eliminate trading risk, but it provides meaningful investor protection.
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