XTB Review 2026
The full XTB write-up for Latvia traders: the kitchen inspection, the ingredient costs, the bill, and our straight verdict.
Regulation in Latvia
| 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 |
| Verify on CySEC register → | 169/12 |
Verdict
Cooks under CySEC (licence 169/12). Cover charge $0. In Latvia, 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 International Ltd under CySEC.
In Latvia, XTB serves as XTB International Ltd, cleared by CySEC under licence number 169/12. Under CySEC house rules, Latvia traders are poured no more than 1:30 leverage on forex pairs.
Trading Platforms
Pros
- CySEC regulated, licence 169/12
- 5,800+ instruments to trade
- Negative balance protection in Latvia
- 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 CySEC, issued to the entity XTB International Ltd, an authorisation you can look up for yourself on the official CySEC public register.
What is the minimum deposit for XTB in Latvia?
The cover charge is $0, the smallest amount Latvia traders need to open a live account with XTB under CySEC rules.
What leverage does XTB offer in Latvia?
In Latvia, CySEC 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 CySEC. 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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