XTB Review 2026
The full XTB write-up for United Kingdom traders: the kitchen inspection, the ingredient costs, the bill, and our straight verdict.
Regulation in United Kingdom
| Regulator | FCA FCA, Financial Conduct Authority (FCA) |
| Licence Number | 522157 |
| Regulated Entity | XTB 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 |
| Verify on FCA register → | 522157 |
Verdict
Cooks under FCA (licence 522157). Cover charge $0. In United Kingdom, forex leverage is capped at 1:30.
About XTB
XTB opened its doors in 2002 out of a kitchen in Warsaw, Poland. Its menu runs to 5,800 tradeable instruments, forex pairs alongside CFDs on stocks, indices and commodities. XTB trades publicly on the WSE:XTB. It holds licences across several jurisdictions, with the head licence carried by XTB Ltd under FCA.
In United Kingdom, XTB serves as XTB Ltd, cleared by FCA under licence number 522157. Under FCA house rules, United Kingdom traders are poured no more than 1:30 leverage on forex pairs.
Trading Platforms
Pros
- FCA regulated, licence 522157
- 5,800+ instruments to trade
- Negative balance protection in United Kingdom
- Platforms: xStation 5, MT4
- Real stock ownership (not CFD)
- Founded in 2002 (24 years operating)
- 5,800+ instruments across forex, indices, stocks and commodities
Cons
- Inactivity fee: EUR10/month after 12 months
- 76% of retail clients burn their fingers
- CFDs only, you trade the price, you never own the dish
Frequently Asked Questions
Is XTB regulated?
Yes. XTB is authorised by FCA, issued to the entity XTB Ltd, an authorisation you can look up for yourself on the official FCA public register.
What is the minimum deposit for XTB in United Kingdom?
The cover charge is $0, the smallest amount United Kingdom traders need to open a live account with XTB under FCA rules.
What leverage does XTB offer in United Kingdom?
In United Kingdom, FCA rules cap XTB at 1:30 on forex pairs. A larger pour is sometimes available through offshore-regulated entities, with thinner protection to match.
Is XTB safe to trade with?
The kitchen passes inspection: XTB cooks under FCA. A tier-1 regulator insists on segregated client money, negative balance protection and independent audits, while lighter offshore regimes offer weaker cover and often no compensation scheme. That does not make trading risk-free, so check which entity holds your account and what protections actually apply before you deposit.
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