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XTB is a forex and CFD broker founded in 2002, headquartered in Warsaw, Poland. It is regulated by FCA (licence 522157), CySEC (licence 169/12), KNF (licence DDM-M-4021-57-1/2005), IFSC (licence 000302/46). The EUR/USD spread starts from 0.1 pips on a raw-spread ECN account — the spread is near zero but a commission of approximately $7 per standard lot applies. The minimum deposit is $0. The broker offers 5,800+ tradable instruments. MetaTrader 4 and MetaTrader 5 are available. This page shows verified regulation data, a full trade cost breakdown, and how XTB compares to 100 other brokers on real trading fees.
| Regulator | Licence number | Legal entity | Max leverage | Countries |
|---|---|---|---|---|
| FCA Tier 1 — Strict |
522157 |
XTB Ltd | 30:1 | GB |
| CySEC Tier 2 — Standard |
169/12 |
XTB International Ltd | 30:1 | CY, DE, FR, ES, IT, NL, PL, AT, BE, PT +18 more |
| KNF Tier 3 — Offshore |
DDM-M-4021-57-1/2005 |
X-Trade Brokers Dom Maklerski SA | 30:1 | PL |
| IFSC Tier 3 — Offshore |
000302/46 |
XTB International Ltd | 500:1 | IL, ZA, AE, SA, IN, NG, KE, EG, BR, MX +9 more |
| Hold duration | Spread cost | Commission | Swap (est.) | Total |
|---|---|---|---|---|
| Intraday (no overnight) | $1.00 | $7.00 | — | $8.00 |
| 1 night | $1.00 | $7.00 | $6.50 | $14.50 |
| 3 nights | $1.00 | $7.00 | $19.50 | $27.50 |
| 1 week | $1.00 | $7.00 | $45.50 | $53.50 |
| 1 month | $1.00 | $7.00 | $195.00 | $203.00 |
Swap rates are industry-typical estimates. Actual overnight rates vary per broker and change with interest rates. Commission is estimated from spread profile (ECN / Raw Spread).
| Rank | Broker | Spread | Spread $ | Commission | Swap (est.) | Total |
|---|---|---|---|---|---|---|
| 1 | Pepperstone | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 2 | IC Markets | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 3 | FP Markets | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 4 | Exness | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 5 | Tickmill | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 6 | Eightcap | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 7 | RoboForex | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 8 | LiteFinance | 0 pips | $0.00 | $7.00 | $6.50 | $13.50 |
| 39 | XTB | 0.1 pips | $1.00 | $7.00 | $6.50 | $14.50 |
| MetaTrader | MT4 & MT5 available |
| Copy trading | No |
| Real stock ownership | Yes |
| Retail loss rate | 76% of retail accounts lose money |
| Inactivity fee | EUR10/month after 12 months |
| Headquarters | Warsaw, Poland |
| Founded | 2002 |
| Listed | WSE:XTB |
Data sourced from official regulator registers (FCA, ASIC, CySEC, MAS and others), verified 2026-09-15. Spread figures are typical/minimum and may differ on live accounts. Trade cost estimates use standard lot sizes and typical industry swap rates. This page does not constitute financial advice. Read full XTB review →