XTB Review 2026
Regulated broker with real licence numbers.
XTB is a regulated CFD broker founded in 2002. It holds a FCA licence under number 522157.
The basics
XTB was founded in 2002 and is headquartered in Warsaw, Poland. It is publicly listed under the ticker WSE:XTB. The broker offers CFDs on 5,800 instruments across forex, indices, commodities, and crypto. Real stock ownership is available in addition to CFDs.
MetaTrader is available on all account types. Copy trading is not offered.
| Founded | 2002 |
| Headquarters | Warsaw, Poland |
| Instruments | 5,800+ |
| Platforms | xStation 5, MT4 |
| MetaTrader | Yes — MT4 and MT5 |
| Copy trading | No |
| Real stocks | Yes |
Is XTB safe?
FCA-regulated brokers must keep client funds in accounts segregated from company funds, provide negative balance protection, and contribute to the Financial Services Compensation Scheme (FSCS), which covers up to £85,000 per client if the broker becomes insolvent.
| Regulator | Licence | Entity |
|---|---|---|
| FCA | 522157 ✓ | XTB Ltd |
| CySEC | 169/12 ✓ | XTB International Ltd |
| KNF | DDM-M-4021-57-1/2005 ✓ | X-Trade Brokers Dom Maklerski SA |
| IFSC | 000302/46 ✓ | XTB International Ltd |
You can verify the FCA licence at register.fca.org.uk. The registration shows the entity name, authorisation status, and full permissions list. It takes under a minute.
XTB spreads
These are the typical spreads on XTB's standard account. Spreads vary by market conditions and account type. ECN or raw-spread accounts offer lower spreads in exchange for a per-trade commission.
| EUR/USD | 0.1 pips pips |
| GBP/USD | 0.4 pips pips |
| USD/JPY | 0.2 pips pips |
| Gold (XAU/USD) | 16c/oz |
| S&P 500 | 0.4pt |
XTB's EUR/USD spread of 0.1 pips pips is among the tightest available, competitive with ECN brokers.
XTB withdrawal fee and processing time
Fee: None. XTB does not charge deposit or withdrawal fees. Your payment provider may apply their own transfer fees.
Processing time: 1 to 3 business days. E-wallet and card withdrawals are typically faster than bank wire transfers.
Withdrawal requests must pass identity verification before processing. If your account is not yet fully verified (proof of identity and address submitted), expect additional delays. Verified accounts follow the standard processing times above.
XTB minimum deposit by entity
The minimum deposit depends on which XTB entity serves your country. Offshore entities often allow lower minimums but with less regulatory protection.
| Entity | Regulator | Min deposit | Max leverage (forex) |
|---|---|---|---|
| XTB Ltd | FCA 522157 | None | 1:30 |
| XTB International Ltd | CySEC 169/12 | None | 1:30 |
| X-Trade Brokers Dom Maklerski SA | KNF DDM-M-4021-57-1/2005 | None | 1:30 |
| XTB International Ltd | IFSC 000302/46 | None | 1:500 |
XTB vs eToro
| XTB | eToro | |
|---|---|---|
| Primary regulator | FCA 522157 | FCA 583263 |
| Min deposit | None | $50 |
| EUR/USD spread | 0.1 pips pips | 1.0 pips |
| MetaTrader | Yes | No |
| Instruments | 5,800+ | 3,000+ |
| Copy trading | No | Yes |
| Withdrawal fee | None | $5 per withdrawal |
Both brokers are regulated and legitimate. XTB suits traders who value MetaTrader and algorithmic trading. eToro is better for traders who prioritise its specific regulated entity coverage.
Regulation — the numbers that matter
| FCA | 522157 — XTB Ltd |
| CySEC | 169/12 — XTB International Ltd |
| KNF | DDM-M-4021-57-1/2005 — X-Trade Brokers Dom Maklerski SA |
| IFSC | 000302/46 — XTB International Ltd |
Leverage for retail clients in the EU and UK is capped at 1:30 on major forex pairs under ESMA rules. The offshore entity offers up to 1:500, but with lighter regulatory protection.
Pros and Cons
What works
- FCA regulated — XTB Ltd
- No minimum deposit
- MetaTrader 4 and 5 available
- Real stock ownership available
- Tight EUR/USD spread from 0.1 pips
- Regulated in 4 jurisdictions
What does not work
- No copy trading
- Inactivity fee: $10/month after 12 months
- High leverage only via offshore entity
The verdict
XTB is a legitimate, regulated broker. The FCA licence number 522157 is verifiable on the public register. It is best suited for traders who want MetaTrader on a regulated platform. Rating: 4.0 out of 5.
Alternatives to XTB
If XTB does not fit your needs, these regulated alternatives are worth comparing:
Frequently asked questions
Is XTB safe?
FCA-regulated brokers must keep client funds in accounts segregated from company funds, provide negative balance protection, and contribute to the Financial Services Compensation Scheme (FSCS), which covers up to £85,000 per client if the broker becomes insolvent. XTB holds FCA licence 522157, which is publicly verifiable on the official register.
What is the XTB minimum deposit?
The minimum deposit is None. This applies to the main regulated entity. Some offshore entities may differ. See the entity table above for full breakdown.
What is the XTB EUR/USD spread?
The EUR/USD spread on XTB standard accounts is typically 0.1 pips pips. Spreads vary with market conditions. ECN or raw accounts offer lower spreads with a per-trade commission instead.
How long does XTB take to process withdrawals?
1 to 3 business days. E-wallet and card withdrawals are typically faster than bank wire transfers.
Does XTB charge withdrawal fees?
None. XTB does not charge deposit or withdrawal fees. Your payment provider may apply their own transfer fees.
Does XTB have MetaTrader?
Yes. XTB supports both MT4 and MT5 on all account types. This allows automated trading, custom indicators, and expert advisors.