XTB broker scan
Regulation, real cost, withdrawal friction and red flags to check before you deposit. Warsaw, Poland · founded 2002.
Availability varies by country and entity (not offered in US, CA, AU, NZ, JP, SG, IN, BR) — confirm before opening an account.
We earn a commission if you open an account through our links — at no extra cost to you. It does not change our rankings. How we make money.
XTB has a stronger regulatory profile than many CFD brokers and solid platform and app quality, but it offers leveraged CFDs, where most retail accounts lose money, and some clients may be onboarded through an offshore entity with weaker protection. Before depositing, verify the exact legal entity, product access and withdrawal terms that apply to you — and it's worth comparing alternatives before you decide.
- you prioritise regulation
- you trade forex or CFDs
- you care about cost transparency
- you want clearer withdrawal terms
- you want to own spot crypto, not crypto CFDs
- you're unsure which legal entity would apply to you
- you're outside its stronger-regulated regions
- you want non-CFD / direct investing only
- Founded
- 2002
- HQ
- Warsaw, Poland
- Min deposit
- $0
- Withdrawal
- Same – next day
Research-based summary — informational only, not financial advice and not a safety guarantee. Verify directly before depositing.
Last updated August 2026·Spreads, fees and withdrawal times are typical/indicative and change with account type and market conditions — verify current terms with the broker before you deposit.·How we score
Eight signals, scored the same way
High confidence
Competitive all-in cost
Fast typical payouts
xStation 5, Web
medium-risk product mix
Clearly disclosed
Complaints & track record
Varies by country
Regulation snapshot
| Regulation confidence | High (88/100) |
| Regulators | |
| 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 |
| Compensation scheme | FSCS up to £85,000 (UK clients) |
| 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 required/applicable by region |
XTB uses at least one offshore entity. The licence that protects your money is the one in your client agreement — not necessarily the headline badge. Check which entity onboards you.
- 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
- 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
Neutral, sourced notes only — not an accusation. We show documented regulatory history where we have an official source.
Source: our licence-evidence log — status shown per licenceVerify these licences on the official regulator register before depositing — how to check.
Most withdrawal delays are verification delays — how to tell a lawful check from a stall.
Which entity could apply to you?
XTB may onboard you through a different legal entity depending on your country — which can change your regulator and protection. Decode the entity that may apply before you deposit.
Real cost snapshot
| Typical spreadSpreadThe gap between the buy (ask) and sell (bid) price. It's a core trading cost — tighter spreads are cheaper for you. (EUR/USD) | from 0.5 pips |
| CommissionCommissionA flat per-trade fee, common on raw/ECN accounts that show tighter spreads. Always compare spread + commission together as the all-in cost. | Spread only |
| Minimum deposit | $0 |
| Inactivity fee | €10/month after 12 months with no trades (waived if you deposited in the last 90 days) |
| All-in cost index | $$··· (2/5) |
Last updated August 2026·Spreads are typical published figures, not live quotes; fees can change by account type and region. Costs and charges may vary depending on the jurisdiction. — verify current terms with the broker before you deposit.·How we score
Withdrawal check
| Typical withdrawal speed | Same – next day (Fast) |
| Deposit / withdrawal methods | Card, Bank transfer, Skrill, PayPal |
| Verification | Identity verification (KYC) required before the first withdrawal. |
| Account security | 2FA mandatory. Login protected; nothing documented at withdrawal.Per XTB's own help centre, read 7 Sept 2026, second read. All brokers compared |
Withdrawal rules can vary by entity, country and payment method — and regulated brokers usually return funds to your original deposit method first. Available payment methods may vary depending on your jurisdiction, and depending on the payment method, third-party or bank charges may apply. See how withdrawals work.
Product risk
This reflects the risk of the products offered (e.g. leveraged CFDs) — not the broker's trustworthiness. A lower-risk product label is not an endorsement of the broker.
| Product risk level | Moderate caution |
| CFD / leverage risk | High |
| Max leverage (region-aware) | 30:1 globally. Retail leverage caps depend on the regulator and legal entity that onboards you. |
| Crypto CFDs | Offered via CFDs — you don't own the underlying coins. |
Every entity reports its own figure — compare all 22 we read first-hand.
Products shown are offered as CFDs unless otherwise stated. Crypto CFDs do not provide ownership of the underlying cryptoasset. Product availability varies by region.
Red flags & what to verify
Neutral checks, not accusations. Confirm each one directly before funding an account.
Want to recognise these yourself? Try the broker red-flag detector.
Get the broker deposit checklist.
A plain-English checklist for checking regulation, fees, withdrawal terms, leverage risk and red flags before you fund an account.
Educational checklist only — not investment advice and no trading signals. We store your email to send the checklist; no spam. See our privacy policy.
Alternatives to XTB
Other regulated platforms worth scanning side by side, with the single strongest reason each could be a better fit.
Why this fits: Lower cost vs XTB. Scan it before you decide.
Why this fits: Lower cost vs XTB. Scan it before you decide.
Why this fits: Lower cost vs XTB. Scan it before you decide.
We earn a commission if you open an account through our links — at no extra cost to you. It does not change our rankings. How we make money.
XTB — common questions
Quick, research-based answers to what people check before depositing. Informational only — verify directly.
Is XTB regulated?+
XTB holds licences from FCA (United Kingdom), KNF (Poland), CySEC (Cyprus), DFSA (Dubai), CMF (Chile), FSC (Belize). We have checked 4 of its 6 licence records first-hand against regulator-authored sources; 2 remain pending independent verification. Client funds are held in segregated accounts, with FSCS up to £85,000 (UK clients). Regulation can differ by the entity that onboards you, and some clients are onboarded under an offshore entity with weaker protection. Always confirm the specific licence on the regulator's official register before depositing.
Is XTB a scam, or is it legitimate?+
We don't label any broker "safe", but XTB is a licensed operator with register-verified tier-1 oversight (FCA), not an anonymous one. The bigger risk is clone scams: fraudsters copy real brokers' names and websites. Reach XTB only through its official domain, and verify the licence number on the regulator's own register.
Is XTB available in my country?+
Availability — and the legal entity that onboards you — varies by country (XTB does not accept US, CA, AU, NZ, JP, SG, IN, BR). The entity decides your regulator and protection. Use our entity decoder to see which entity may apply to you, and confirm it during signup.
What does it cost to trade with XTB?+
Typical EUR/USD spread is from 0.5 pips (spread-only), with a $0 minimum deposit. Figures are indicative — confirm current pricing for your account type directly.
How long do withdrawals take at XTB?+
Typical withdrawal time is Same – next day. Actual speed depends on your payment method, identity verification (KYC) and the entity that holds your account. Regulated brokers usually return funds to your original deposit method first.
What leverage does XTB offer, and is it risky?+
Maximum leverage is around 30:1 on the global entity; retail leverage caps depend on the regulator and legal entity that onboards you. Leverage amplifies both gains and losses, and most retail CFD accounts lose money — only trade with money you can afford to lose.
Before you deposit, compare XTB against alternatives.
Informational scan — not a safety guarantee and not financial advice. Affiliate link; we may earn a commission, which never changes the scan score. Verify availability, fees and regulation directly before depositing.