Broker review
XTB review: XTB UK, EU and international companies
XTB lists 9 companies in our data, from XTB Limited (UK) (FCA) and XTB S.A. in Poland to an offshore company in Belize. No minimum deposit, no CFD commission, EUR/USD from 0.8 pips on the UK Standard account, and one in-house platform.
Low Spread Brokers does not give personal investment advice.
Verdict at a glance
XTB
7.2/10
Entities 9
- Tier 1KNFNot published
- Tier 1FCAFRN 522157
- Tier 1CySECCIF 169/12
- OffshoreFSC BelizeFSC Registration No. 6442514 (company Registration No. 000000587, former 153,939)
- Tier 1DFSAF006316
- Tier 2SCANot published
- OffshoreFSA SeychellesSD148
- Tier 2CMF ChileRegister of Stockbrokers and Securities Agents entry No. 216
- Tier 2BappebtiNot published
- Minimum deposit
- $0
- EUR/USD spread from
- 0.8 pips (Standard, 19 Oct 2026)
- Max retail leverage
- 1:30 (retail); 1:100 'Klient Doświadczony'; 1:200 professional (KNF) · 1:30 (FCA, CySEC) · 1:500 (FSC Belize)
- Platforms
- proprietary
- Founded
- 2004
74% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited (UK)).
XTB’s preliminary rating is 7.2/10: regulation 9.0/10, accounts 8.0/10, costs 6.8/10 and platforms 4.0/10. The platforms score is low because XTB offers its own platform only. Figures come from XTB’s pages, checked 19 Oct 2026; we have not opened a live account. Read first: how we rankhow we make moneyeditorial policy
Quick answer
Is XTB a good broker in the UK?
UK residents sign up with XTB Limited (UK), FRN 522157 as XTB publishes it, with a 1:30 cap and negative balance protection. There is no minimum deposit and no commission on CFDs; the cost is the spread, from 0.8 pips on EUR/USD, plus a 0.5% fee when a trade is converted from another currency. 74% of the UK company’s retail accounts lose money.
- Tier 1 regulators across the group: KNF, FCA, CySEC and DFSA.
- XTB states FSCS cover up to £120,000 for eligible UK clients, more than the £85,000 investment limit in our UK reference; check your claim with the FSCS.
- The international site is served by XTB International Limited in Belize, an offshore company with leverage up to 1:500.
- No MT4, MT5 or TradingView in our data.
XTB pros and cons
Pros
- No minimum deposit on UK, Cyprus, Polish and international accounts
- No commission on CFDs
- FCA, KNF, CySEC and DFSA companies, with negative balance protection stated for the UK and Polish ones
- 6 funding methods, including PayPal
Cons
- Own platform only: no MetaTrader or TradingView
- 0.5% currency conversion fee on CFDs
- Swap-free accounts are offered through the offshore Belize company, for specific periods and products
- KNF licence number for XTB S.A. not published on the pages we used
Entities and regulation
XTB lists 9 companies in our data. The one that opens your account sets your leverage cap, negative balance protection and compensation scheme. Licence numbers are as the broker publishes them; check each on its regulator’s register.
| Entity | Regulator | Licence | Max. retail leverage | Negative balance protection | Compensation |
|---|---|---|---|---|---|
| XTB S.A. | Tier 1 KNF | Not publishedAs published by the broker | 1:30 (retail); 1:100 'Klient Doświadczony'; 1:200 professional | Yes | KDPW compensation scheme, free client funds up to EUR 20,100 |
| XTB Limited (UK) | Tier 1 FCA | FRN 522157Checked on the register, 20 Oct 2026 | 1:30 | Yes | FSCS — XTB states eligible clients may claim up to £120,000 |
| XTB Limited (Cyprus) | Tier 1 CySEC | CIF 169/12Checked on the register, 20 Oct 2026 | 1:30 | Not published | Investor Compensation Fund (ICF) up to €20,000 per retail client |
| XTB International Limited | Offshore FSC Belize | FSC Registration No. 6442514 (company Registration No. 000000587, former 153,939)As published by the broker | 1:500 | Not published | Not published |
| XTB MENA Limited | Tier 1 DFSA | F006316Checked on the register, 20 Oct 2026 | Not published | Not published | Not published |
| XTB Financial Services L.L.C. | Tier 2 SCA | Not publishedAs published by the broker | Not published | Not published | Not published |
| XTB S.C. Limited | Offshore FSA Seychelles | SD148Company checked on the register, 20 Oct 2026; the register does not list the number | Not published | Not published | Not published |
| XTB Agente de Valores SpA | Tier 2 CMF Chile | Register of Stockbrokers and Securities Agents entry No. 216As published by the broker | Not published | Not published | Not published |
| PT XTB Indonesia Berjangka | Tier 2 Bappebti | Not publishedAs published by the broker | Not published | Not published | Not published |
Which entity will I get?
Pick your region to see which company our data says would hold your account.
XTB Limited (UK) · FCA · FRN 522157 · Max retail leverage 1:30
XTB S.A. · KNF · Not published · Max retail leverage 1:30 (retail); 1:100 'Klient Doświadczony'; 1:200 professional
XTB Financial Services L.L.C. · SCA · Not published · Max retail leverage Not published
XTB Agente de Valores SpA · CMF Chile · Register of Stockbrokers and Securities Agents entry No. 216 · Max retail leverage Not published
PT XTB Indonesia Berjangka · Bappebti · Not published · Max retail leverage Not published
Warnings and clones
Search each XTB licence number on the regulator’s own register and compare the website address listed there with the one you are on. Clone firms copy real names and licence numbers.
Client money
XTB S.A. lists the KDPW compensation scheme for free client funds up to EUR 20,100, and XTB Limited (Cyprus) the Investor Compensation Fund up to €20,000. Tier 1 regulators require client money to be held apart from the firm’s own money. An offshore company may not offer the same protection, and its compensation, if any, is the broker’s own arrangement.
Costs and fees
XTB publishes a EUR/USD spread for its UK site only; its other forex pages quote no pair. CFDs carry no commission, and a 0.5% currency conversion fee applies.
Spreads by pair and account
| Pair | Account | Published spread | Checked | Source |
|---|---|---|---|---|
| EUR/USD | Standard | 0.8 pips from | 19 Oct 2026 | https://www.xtb.com/en/forex |
Commission
0 USD per lot per side (Standard)
Swaps
Swap rates for XTB are not in our data; check the overnight rate of the company that holds your account before keeping a position open overnight.
Non-trading fees
- Currency conversion on CFDs
- 0.5%
- Withdrawal fee
- Not in our data
- Inactivity fee
- Not in our data
Account types
Account types listed for XTB in our data. The swap-free option comes from the Belize company, for specific periods and products. Minimum deposit: $0
- StandardCosts built into the spread, no separate commission.
- IslamicSwap-free: no overnight interest; the broker sets other charges instead.
- DemoVirtual money with live prices.
- ProfessionalFor clients who opt up: higher leverage, fewer retail protections.
Professional status
Opting up to professional status with XTB removes retail protections such as leverage caps and negative balance protection.
Demo account
XTB offers a demo account (checked 20 Oct 2026 on XTB’s site). Virtual balance: £100,000 in virtual funds. Platforms: xStation (proprietary web/app). Demo results do not include slippage or the cost of a real loss.
Trading platforms
Platforms XTB offers, from our data (checked 19 Oct 2026).
- proprietaryThe broker’s own web and mobile platform.
Markets
- Forex
- CFDs
- Other markets
- Not recorded in our data; check the product list of the company that holds your account
Deposits and withdrawals
Funding methods listed on XTB’s pages. Availability depends on your country and the company that holds your account.
- Debit/credit card
- Bank transfer
- PayPal
- Skrill
- Neteller
- PayU
List copied from the broker’s pages, checked 19 Oct 2026.
Before your first withdrawal
- Methods in our data
- 6
- Withdrawal fees and times
- Not in our data yet
- Where to check
- The deposits and withdrawals page of your company’s website
Score breakdown
Four criteria scored 0–10 from published data. Research and support show “not measured” until we open live accounts; the marker on each bar is the average of this page’s comparison set.
7.2/10
- CostsWeight 25%6.8Set average 7.2
- PlatformsWeight 15%4.0Set average 7.4
- RegulationWeight 25%9.0Set average 8.2
- AccountsWeight 15%8.0Set average 8.4
- ResearchWeight 10%Not measuredNot measuredSet average 0.0
- SupportWeight 10%Not measuredNot measuredSet average 0.0
Published data log
Every dated entry behind the figures on this review, copied from XTB’s own pages. Licence rows show the leverage the broker publishes for that company.
| Checked | Entry | Published value |
|---|---|---|
| 19 Oct 2026 | EUR/USD spread, Standard | 0.8 pips from |
| 19 Oct 2026 | Retail loss rate, XTB Limited (UK) | 74% |
| 19 Oct 2026 | Retail loss rate, XTB Limited (Cyprus) | 77% |
| 19 Oct 2026 | Retail loss rate, XTB S.A. | 77% |
| Not published | Licence Not published, KNF: max. retail leverage | 1:30 (retail); 1:100 'Klient Doświadczony'; 1:200 professional |
| Not published | Licence FRN 522157, FCA: max. retail leverage | 1:30 |
| Not published | Licence CIF 169/12, CySEC: max. retail leverage | 1:30 |
| Not published | Licence FSC Registration No. 6442514 (company Registration No. 000000587, former 153,939), FSC Belize: max. retail leverage | 1:500 |
| Not published | Licence F006316, DFSA: max. retail leverage | Not published |
| Not published | Licence Not published, SCA: max. retail leverage | Not published |
| Not published | Licence SD148, FSA Seychelles: max. retail leverage | Not published |
| Not published | Licence Register of Stockbrokers and Securities Agents entry No. 216, CMF Chile: max. retail leverage | Not published |
| Not published | Licence Not published, Bappebti: max. retail leverage | Not published |
Our verdict on XTB
7.2/10
XTB suits traders who want a regulated company, no minimum deposit and one platform for everything. Its platforms score of 4.0/10 is the cost of that simplicity: there is no MetaTrader, cTrader or TradingView to fall back on.
Choose it if
- you want no minimum deposit and no CFD commission
- you live in the UK or the EU
- you fund by PayPal
Look elsewhere if
- you run expert advisors on MetaTrader
- you need a swap-free account from a Tier 1 company
74% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited (UK)).
What changed
- 19 Oct 2026 Companies, EUR/USD spread, minimum deposit, fees and loss rates for three companies collected from XTB’s pages.
Alternatives to XTB
Admirals (Admiral Markets), Vantage, Tickmill and IC Markets: other brokers with their own platform, a swap-free account and a Tier 1 company, in the order of this page’s rule.
- 1
Admirals (Admiral Markets)
7.8/10- Minimum deposit
- €100
- EUR/USD spread from
- 0.0 pips
- Regulated by
- CySEC, FCA, FSA Seychelles, ASIC, FSCA
Visit brokerUnpaid link74% of retail investor accounts lose money when trading CFDs with this provider (Admirals Europe Ltd).
- 2
Vantage
8.0/10- Minimum deposit
- $50
- EUR/USD spread from
- 0.0 pips
- Regulated by
- FCA, ASIC, FSCA, CIMA, VFSC, FSC Mauritius
Read reviewVisit brokerUnpaid link72.65% of retail investor accounts lose money when trading CFDs with this provider (Vantage Global Prime LLP).
- 3
Tickmill
7.8/10- Minimum deposit
- $100
- EUR/USD spread from
- 0.0 pips
- Regulated by
- FCA, DFSA, CySEC, FSCA, FSA Seychelles
Visit brokerUnpaid link68% of retail investor accounts lose money when trading CFDs with this provider (Tickmill UK Ltd).
- 4
IC Markets
8.1/10- Minimum deposit
- $0
- EUR/USD spread from
- 0.1 pips
- Regulated by
- ASIC, CySEC, FSA Seychelles, SCB
Read reviewVisit brokerUnpaid link73.46% of retail investor accounts lose money when trading CFDs with this provider (IC Markets (EU) Ltd).
Risk warning:
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Most retail investor accounts lose money. Consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
Low Spread Brokers does not give personal investment advice.
FAQ
XTB review: questions
Answers use XTB’s published terms collected on 19 Oct 2026. Terms change: check the broker’s own page before you trade.
Ask a questionWe cannot give personal investment advice.
1Is XTB legit?
XTB was founded in 2004 in Warsaw, Poland and lists 9 companies. Its UK company holds FRN 522157 as XTB publishes it; search the number on the FCA Register and compare the website address shown there.
Broker data checked 19 Oct 2026
2Is XTB safe for UK traders?
XTB Limited (UK) states a 1:30 cap, negative balance protection and FSCS cover up to £120,000 for eligible clients. None of that covers trading losses: 74% of its retail accounts lose money (checked 19 Oct 2026). The XTB safety page goes into each company.
Broker data checked 19 Oct 2026
3What is the minimum deposit at XTB?
None: XTB’s UK, Cyprus, Polish and international fee pages all state no minimum deposit.
Broker data checked 19 Oct 2026
4What are XTB’s fees?
No commission on CFDs; EUR/USD from 0.8 pips on the UK Standard account; a 0.5% fee when a CFD is settled in another currency. Withdrawal and inactivity fees are not in our data.
Broker data checked 19 Oct 2026
5What trading platform does XTB use?
Its own platform only, in our data; XTB does not offer MT4, MT5, cTrader or TradingView.
Broker data checked 19 Oct 2026
6Which XTB company will I get?
UK residents: XTB Limited (UK). EU residents: XTB S.A. in Poland through its branches, or XTB Limited (Cyprus). The international and Arabic sites: XTB International Limited in Belize. 77% of XTB S.A.’s retail accounts lose money.
Broker data checked 19 Oct 2026
Sources
Pages of XTB behind the figures on this review. Their text prevails over ours.
- XTB: spreads page (Standard)Checked on 19 Oct 2026
- XTB: commission and feesChecked on 19 Oct 2026
- XTB: retail loss rate, XTB Limited (UK)Checked on 19 Oct 2026
- XTB: retail loss rate, XTB Limited (Cyprus)Checked on 19 Oct 2026
- XTB: retail loss rate, XTB S.A.Checked on 19 Oct 2026
- XTB: regulation, XTB S.A.Checked on 19 Oct 2026
Check the company before you open a XTB account
If you are in the UK, search FRN 522157 on the FCA Register, then compare XTB with the alternatives above.
CFDs are complex and carry a high risk of losing money rapidly.