Review · Safety and regulation

Is XTB safe and legit? Companies, licences and protection

XTB lists 9 companies in our data: 4 under Tier 1 regulators (KNF, FCA, CySEC and DFSA), 2 offshore. The group was founded in 2004 in Warsaw, Poland; how protected you are depends on which company opens your account.

Written and checked by: Low Spread Brokers team
Updated: 20 Oct 2026

19 Oct 2026latest data check

Low Spread Brokers does not give personal investment advice.

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

4 of 9 licences checked on the register, 20 Oct 2026

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74% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited (UK)).

Full XTB review

Quick answer

Is XTB safe and legit?

XTB is a regulated broker in the UK and the EU. UK clients are with XTB Limited (UK) (FRN 522157, FCA, as XTB publishes it), which states negative balance protection and that eligible clients may claim up to £120,000 from the FSCS. Clients of the offshore XTB International Limited (FSC Belize) get leverage up to 1:500 and no protection recorded in our data.

Negative balance protection is confirmed for XTB S.A. and XTB Limited (UK).
Compensation in our data: XTB S.A., KDPW compensation scheme, free client funds up to EUR 20,100; XTB Limited (UK), FSCS: XTB states eligible clients may claim up to £120,000; XTB Limited (Cyprus), Investor Compensation Fund (ICF) up to €20,000 per retail client.
Loss-rate warnings: 74% of retail CFD accounts lose money at XTB Limited (UK), 77% at XTB Limited (Cyprus), 77% at XTB S.A. (checked 19 Oct 2026).

XTB companies and regulators

XTB lists 9 companies in our data. Licence numbers are shown as XTB publishes them; we have not yet matched them on the regulators’ registers.

XTB companies and regulators
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 the entity that would open 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

Our data (collected 19 Oct 2026) names no XTB company for this region; check XTB’s own site before you apply.

XTB Financial Services L.L.C. · SCA · Not published · Max retail leverage Not published

Our data (collected 19 Oct 2026) names no XTB company for this region; check XTB’s own site before you apply.

Check the register yourself

Open the regulator’s register, search the licence number and compare the firm name and website address with xtb.com. Clone firms copy real names and numbers.

Client money

Tier 1 regulators require client money to be held apart from the firm’s own money; an offshore company may not have that rule.

Alternatives with FCA companies and swap-free accounts

Brokers that, like XTB, list an Islamic (swap-free) account and have a Tier 1 company for UK residents, in the order of our regulation score.

1
ThinkMarkets
7.6/10
Minimum deposit
$10
EUR/USD spread from
Not measured
Regulated by
FCA, CySEC, ASIC, ASIC, DFSA, FSCA, FSA Seychelles, CIMA, FMA, Unregulated
Visit brokerUnpaid link
75% of retail investor accounts lose money when trading CFDs with this provider (TF Global Markets (UK) Limited).
2
Vantage
8.0/10
Minimum deposit
$50
EUR/USD spread from
0.0 pips
Regulated by
FCA, ASIC, FSCA, CIMA, VFSC, FSC Mauritius
Visit brokerUnpaid link
72.65% of retail investor accounts lose money when trading CFDs with this provider (Vantage Global Prime LLP).
Read review
3
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 link
74% of retail investor accounts lose money when trading CFDs with this provider (Admirals Europe Ltd).

Is XTB safe? Our verdict

7.2/10

For UK clients and EU clients of XTB S.A., XTB’s protections are clear in our data: negative balance protection and a named compensation scheme at XTB S.A. and at XTB Limited (UK). The weaker points are a missing KNF permit number for XTB S.A., no stated negative balance protection at XTB Limited (Cyprus), and two offshore companies with no recorded protections.

Choose it if

you live in the UK or in a country served by XTB S.A.: Poland, Czechia, Spain, Slovakia, Romania, Germany, France and Portugal
you want losses capped at your deposit with a named compensation scheme (3 XTB companies state one)

Look elsewhere if

you would be onboarded by XTB International (Belize): high leverage, no recorded protections
you need MetaTrader: XTB offers only its own platform

Visit brokerUnpaid link

74% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited (UK)).

What changed

19 Oct 2026 Entities, costs and loss rates re-collected from XTB’s own pages.

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.

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FAQ

Is XTB safe? Questions

Short answers from XTB’s published terms, collected up to 19 Oct 2026. Terms change: check XTB’s own page before you trade.

Ask a question

We cannot give personal investment advice.

1Is XTB legit?

Yes in the sense that it runs licensed companies: 4 under Tier 1 regulators (KNF, FCA, CySEC and DFSA). XTB S.A. is listed on the Warsaw Stock Exchange. The licence numbers on this page are as XTB publishes them; only the DFSA entry for XTB MENA Limited (F006316) carries a register result in our data.