Is XTB regulated?
Our XTB evidence log contains 6 regulatory records, with all 6 findings confirmed against regulator-authored sources (last read 2026-09-23). Records can include historical corrections and limited-scope authorisations; they are not a count of current trading licences. That includes tier-1 oversight from FCA and KNF. Regulation is entity-specific: your protections depend on which XTB legal entity onboards you, not on the brand.
Last updated September 2026·Licence statuses reflect our most recent read of each register; regulators update registers daily — verify current terms with the broker before you deposit.·How we score
Licence records and findings from the registers
Verified means we read the stated finding in a regulator-authored source. Where no number is published, only the entity is confirmed. Historical records do not establish current authorisation.
| Legal entity | Regulator | Licence | Our check | Register |
|---|---|---|---|---|
| XTB Limited | FCA United Kingdom · Tier 1 | 522157 | Verified on register checked 2026-09-09 | Source |
| XTB S.A. | KNF Poland · Tier 1 | no number published by this register | Entity verified checked 2026-09-23 | Source |
| XTB Ltd (Cyprus) | CySEC Cyprus · Tier 2 | 169/12 | Verified on register checked 2026-08-25 | Source |
| XTB MENA Limited | DFSA Dubai · Tier 2 | F006316 | Verified on register checked 2026-09-23 | Source |
| XTB International Limited | FSC Belize · Offshore | 6442514 | Verified on register checked 2026-09-23 | Source |
| XTB Agente de Valores SpA | CMF Chile · Tier 2 | 216 | Verified on register checked 2026-08-25 | Source |
Notes from our checks
- FCA 522157: The FCA's own clone-firm warning names the genuine authorised firm — XTB Limited, FRN 522157, One Canada Square, London — regulator-authored confirmation (same route as Axi/ASIC). The register app itself still blocks automation, but the API confirms it directly. Re-read 2026-09-09 direct from the FCA Register API (Firm/522157): 'XTB Limited', status 'Authorised'.
- KNF : Entity-only confirmation, read first-hand on 23 September 2026 on KNF's own brokerage-house list: XTB S.A., formerly X-Trade Brokers Dom Maklerski S.A., authorisation date 8 November 2005, listed activity codes 1, 2, 3, 9, 13, 14, 16. The decision reference DDM-M-4021-57-1/2005 is XTB-disclosed and is not printed in this register entry.
- CySEC 169/12: Read first-hand on the CySEC register (re-checked 2026-08-25): XTB Ltd (formerly DUB Investments Ltd), licence 169/12 dated 18/04/2012, company reg 296794; EU/EEA passporting with Czech and Romanian branches.
- DFSA F006316: Read first-hand on the DFSA public register on 23 September 2026: XTB MENA Limited, reference F006316. Historical correction: F003484 was wrongly assigned to XTB; it belongs to XM. Licensed 8 July 2021; retail-client and client-asset endorsements, arranging and matched-principal dealing permissions.
- FSC 6442514: Read first-hand on 23 September 2026 in the FSC Belize LicenSys public search: XTB INTERNATIONAL LIMITED, Licence/Registration Number 6442514, status Active, registration date 1 January 2025; categories: Trading in Securities as Agent and Principal; Arranging Transactions in Securities. The register displays the broker domain. The new register does publish licence/registration identifiers, superseding our previous note that no number was visible.
- CMF 216: Read first-hand on Chile's CMF register: XTB Agente de Valores SpA, RUT 76690832-2, Agente de Valores registration 216, status VIGENTE (active), registered 11/02/2025. Securities-agent licence — product scope for CFDs not stated on the register.
Which XTB entity would onboard you?
The brand is not the counterparty. The legal entity on your client agreement sets your regulator, compensation cover, leverage cap and terms.
| Legal entity | Regulator | Typically onboards | Compensation | Leverage |
|---|---|---|---|---|
| XTB Limited United Kingdom | FCA (Tier 1) | GB | FSCS — up to £85,000 if the firm fails (not for trading losses) | Retail CFD leverage capped at 30:1 (FCA rules). |
| XTB S.A. Poland (EU/EEA) | KNF (Tier 1) | IE, DE, FR, ES, IT, NL, BE, AT, PT, PL, SE, DK, FI, GR, CZ, HU, RO, BG, HR, SK, SI, EE, LV, LT, LU, MT, CY, IS, LI, NO | None identified | Retail CFD leverage capped at 30:1 (ESMA rules). |
| XTB MENA Limited United Arab Emirates (DIFC) | DFSA (Tier 2) | AE | None identified | See terms |
| XTB Ltd Cyprus (EU/EEA) | CySEC (Tier 2) | IE, DE, FR, ES, IT, NL, BE, AT, PT, PL, SE, DK, FI, GR, CZ, HU, RO, BG, HR, SK, SI, EE, LV, LT, LU, MT, CY, IS, LI, NO | None identified | Retail CFD leverage capped at 30:1 (ESMA rules). |
| XTB International Limited Belize | FSC (Belize) (Offshore) | AO, BM, GE, MK, MY, MR, MD, ME, PH, KN, RS, ZA, TT, TH, VN, ZM | None identified | See terms |
| XTB Agente de Valores SpA Chile | CMF (Tier 2) | CL | None identified | See terms |
Resolve the likely entity for your country with the entity checker, then confirm the entity named on your client agreement before you deposit.
What the licences actually give you
Three protections worth checking by name. Any of them can be missing even when a broker is licensed somewhere.
| Compensation scheme | FSCS up to £85,000 (UK clients) |
| Segregated client fundsSegregated fundsClient money held in bank accounts kept separate from the broker's own funds, so it isn't used to run the business and is easier to return if the firm fails. | Yes, per the broker's disclosures |
| Negative-balance protectionNegative-balance protectionA safeguard that stops your account going below zero, so you can't end up owing the broker more than you deposited. Mandatory for retail clients in some regions. | Yes, for retail clients where the regulator requires it |
| UK entity (retail) | 30:1 |
| EU entity (retail) | 30:1 |
| International / offshore entity | 30:1 |
Regulator actions and notices on record
Stated neutrally, each with its official source. We never publish an unsourced regulatory-history claim.
- 2025-06·FCA (United Kingdom)
FCA warning about 'XTB Online' (xtbonline.com), an unauthorised operation that may be a clone of, or falsely claim association with, the genuine FCA-authorised XTB Limited (FRN 522157) — a warning about impersonators, not an action against XTB.
Official source - 2018-09·KNF (Poland)
KNF fined X-Trade Brokers DM S.A. (now XTB S.A.) PLN 9.9m for asymmetric order-execution practices between January 2014 and May 2015 (accepting broker-favourable price slippage while rejecting client-favourable slippage above thresholds). XTB's final appeal was dismissed by Poland's Supreme Administrative Court on 28 February 2023, upholding the fine.
Official source
FCA warnings naming XTB
Read weekly from the FCA's own pages. A clone warning names the genuine firm being impersonated and protects it; an unauthorised-firm warning says the brand is not authorised for UK business.
- 2023-12-28·Clone of the genuine firm
XTB Trading World (Clone of FCA Authorised Firm)
Fraudsters are using the details of an FCA-authorised firm (XTB Limited) to target people in the UK. Matched on the genuine firm's FRN 522157.
FCA page - 2016-07-13·Clone of the genuine firm
Capital24 Option (clone of FCA authorised firm)
Fraudsters are using the details of an FCA-authorised firm (XTB Limited) to target people in the UK. Matched on the genuine firm's FRN 522157.
FCA page - 2016-07-13·Clone of the genuine firm
XTB GROUP (Clone of FCA authorised firm)
Fraudsters are using the details of an FCA-authorised firm (XTB Limited) to target people in the UK. Matched on the genuine firm's FRN 522157.
FCA page
What we got wrong about XTB, and fixed
Every correction stays public. It is the clearest evidence that these numbers are checked rather than copied.
- Another firm's licenceDFSA · corrected 2026-09-23
Had: DFSA F003484 — registered to XM's Dubai entity
Register shows: F006316 (XTB MENA Limited)
All corrections across the database are analysed in the licence-confusions study.
Verify these licences in five minutes
Never take a licence claim from a broker page, or from us, without reading the register.
- 1. Note the exact legal entity and licence number from the table above, or from the client agreement you would sign.
- 2.Open the regulator's own register from the links below, never from a link the broker hands you, and search that number.
- 3. Match the entity name and number exactly, check the status is active or authorised, and look for a clone-firm warning naming the brand.
XTB regulation: common questions
Is XTB regulated?
Our XTB evidence log contains 6 regulatory records, with all 6 findings confirmed against regulator-authored sources (last read 2026-09-23). Records can include historical corrections and limited-scope authorisations; they are not a count of current trading licences. That includes tier-1 oversight from FCA and KNF. Regulation is entity-specific: your protections depend on which XTB legal entity onboards you, not on the brand.
Is XTB regulated by the FCA?
Yes. XTB Limited holds FCA reference 522157. Our check: verified on the register, last read 2026-09-09. Only clients onboarded by that UK entity get FCA protections such as FSCS cover; other XTB entities do not carry them.
Is XTB regulated by KNF?
Yes. XTB S.A. is listed by the KNF (Poland, tier-1); no licence number was independently confirmed in this record, so the entity is what we verify. Our check: verified on the register, last read 2026-09-23.
Is XTB regulated by CySEC?
XTB Ltd (Cyprus) is recorded with CySEC licence 169/12 (Cyprus, tier-2). Our check: verified on the register, last read 2026-08-25.
Is XTB regulated by DFSA?
XTB MENA Limited is recorded with DFSA licence F006316 (Dubai, tier-2). Our check: verified on the register, last read 2026-09-23.
Is XTB regulated by CMF?
XTB Agente de Valores SpA is recorded with CMF licence 216 (Chile, tier-2). Our check: verified on the register, last read 2026-08-25.
Is XTB regulated by FSC?
XTB International Limited is recorded with FSC licence 6442514 (Belize, offshore). Our check: verified on the register, last read 2026-09-23.
Which XTB entity would I be onboarded by?
Our map lists 6 XTB legal entities (United Kingdom, Poland (EU/EEA), United Arab Emirates (DIFC), Cyprus (EU/EEA), Belize and Chile). A listing does not establish retail account availability: consultation or introduction entities and institutional-only firms are not retail trading-account routes. Which company applies depends on your country and client agreement. Use the entity checker for the likely match, then confirm it before depositing.
Does XTB have investor compensation?
FSCS up to £85,000 (UK clients). Compensation schemes pay out only if the firm itself fails and cannot return client money; they never cover trading losses, and they apply only to clients of the specific licensed entity, not to every XTB client worldwide.
Has the FCA published a warning naming XTB?
Yes. 3 FCA clone-firm warnings name XTB's genuine authorised entity as the firm being impersonated, most recently on 2023-12-28 — a warning about fraudsters, not about XTB. Each warning is listed on this page with a link to the FCA's own text.
Has XTB been fined or warned by a regulator?
Our log holds 2 sourced regulator notes for XTB, the most recent dated 2025-06 (FCA (United Kingdom)). Each is listed on this page with a link to the official source.
Next step
The full research file on XTB covers real costs and withdrawal friction alongside this regulation evidence, or compare it with alternatives available in your country.
Related
Informational research only, not financial advice. Regulatory status changes; verify directly on the official registers before depositing. Being licensed is not the same as being suitable for you, and no licence protects against trading losses.