XTB Review 2026
A licensed kitchen with real, checkable paperwork.
XTB opened its doors in 2002 and cooks as a regulated CFD broker, carrying FCA licence 522157.
What's on the menu
XTB has been serving since 2002, with the kitchen based in Warsaw, Poland. Its shares trade publicly under the ticker WSE:XTB. The order book runs deep: 5,800 CFD instruments spanning forex, indices, commodities and crypto. Beyond the CFD menu, you can also own real shares outright.
MetaTrader comes plated on every account type. There is no copy-trading option here.
| Founded | 2002 |
| Headquarters | Warsaw, Poland |
| Instruments | 5,800+ |
| Platforms | xStation 5, MT4 |
| MetaTrader | Yes, MT4 and MT5 |
| Copy trading | No |
| Real stocks | Yes |
Kitchen inspection: 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 |
Want to inspect the kitchen yourself? Pull up register.fca.org.uk and look up the FCA licence. The listing lays out the entity name, its authorisation status and the full list of what it is cleared to do. A minute, tops.
Ready to open an account?
XTB - FCA regulated, min deposit None, 5,800+ instruments.
Ingredient costs: XTB spreads
Here is what the raw ingredients cost on a standard XTB account. Spreads breathe with the market and with your account tier; step up to an ECN or raw-spread table and the spread shrinks, but a per-trade commission joins the bill.
| 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 |
That EUR/USD figure of 0.1 pips pips is a lean, low-cost ingredient, right up there with the ECN specialists.
The bill: XTB withdrawal fee and timing
Cost to take money out: None. XTB does not charge deposit or withdrawal fees. Your payment provider may apply their own transfer fees.
How long it takes: 1 to 3 business days. E-wallet and card withdrawals are typically faster than bank wire transfers.
No cash leaves the till until your identity checks out. If your proof of ID and address are not yet filed and cleared, the payout waits; once you are fully verified, cash-outs follow the timings shown above.
The cover charge by entity
The opening deposit at XTB depends on which entity seats your country. Offshore branches tend to set a smaller cover charge, but you dine with a thinner layer of 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 kitchens hold real licences, so neither is a bad table. Pull up a chair at XTB if you value MetaTrader and running algorithms. eToro plates up better for anyone who leans on its particular regulated-entity coverage.
The licences, line by line
| 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 |
Under ESMA house rules, retail traders in the EU and UK are served leverage no higher than 1:30 on the major forex pairs. The offshore entity will pour up to 1:500, but that comes with a lighter seal of protection.
What tastes good, what leaves a bad aftertaste
Cooked well
- 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
Sent back
- No copy trading
- Inactivity fee: $10/month after 12 months
- High leverage only via offshore entity
Compare XTB before you commit
4.0/5 rating - FCA regulated - min deposit None
The verdict
Nothing on the plate here is fake: XTB is a genuine, regulated broker, and FCA licence 522157 checks out on the public register. The table is set best for traders who want MetaTrader served on a regulated platform. We rate it 4.0 out of 5.
Other tables worth a look
If XTB is not quite to your taste, these regulated kitchens 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. The kitchen holds FCA licence 522157, and you can confirm it for yourself on the official register.
What is the XTB minimum deposit?
The cover charge is None at the main regulated entity. Offshore branches may plate it differently, so check the entity table above for the full spread.
What is the XTB EUR/USD spread?
On a standard XTB account the EUR/USD ingredient runs about 0.1 pips pips. It moves with the market; an ECN or raw table trims the spread in exchange for a per-trade commission.
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. Both MT4 and MT5 are on the menu across every account type, so automated strategies, custom indicators and expert advisors are all on the table.