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XTB Review - Is it scam or safe?

XTB Review and Rating: Is scam or good forex broker?

RATING: 3.1 / 13 REVIEWS ForexBrokerz XTB


Trading Accounts


Account type 

Minimum deposit

Minimum trade size

Maximum leverage

Spreads (& Commission)





Fixed, 2.0 pips 





from 0.9 pips 

Pro (STP) 




from 0.3 pips + commission $4 per lot (per side)


There are three basic accounts types offered by this broker: Basic, Standard and Pro. The Basic account is suited for beginners, as well as regular traders who prefer fixed spreads, while the Standard and Pro accounts provide variable spreads. The Pro one is tailored to advanced traders, offering raw market spreads through STP execution.

The Company

XTB or X-Trade Brokers is a leading forex broker in Central and Eastern Europe, providing online trading in over 1500 instruments, including forex, indices, shares, commodities and ETFs on two trading platforms - its in-house xStation and the ever popular MetaTrader 4.It has offices in more than 15 countries in Europe, South America and Asia.

Behind the XTB brand is XTB Limited, a UK-based, FCA-regulated subsidiary of the XTB Group. Its other subsidiaries are regulated by Poland’s financial supervision commission (KNF).


Security of Funds

XTB Ltd., operating under the trading name XTB, is authorised and regulated by UK Financial Conduct Authority (FCA). As a UK-based brokerage XTB has to adhere to strict requirements and the highest regulatory standards.

For example, in order to acquire a license from the UK financial watchdog, brokers have to provide proof of financial stability: they must hold a minimum of €730 000 in order to conduct their business activities legitimately. Similar minimum capital requirements apply in other jurisdictions, for instance brokers based in Australia are required to possess at least $ 1 million.

Regulation by FCA also involves additional guarantee to clients’ funds, since they fall under the umbrella of the Financial Services Compensation Scheme (FSCS), where the maximum compensation cover is £50,000 per person in the event that a broker becomes insolvent.

In case you are interested, you may look up more FCA-regulated brokers.


What is more, in May 2016, XTB went public by debuting on the Warsaw Stock Exchange (WSE:XTB), which adds additional transparency to its business model and finances.

Trading Conditions

Minimum initial deposit
XTB requires $250 as  initial deposit for opening a live account, which is average. 

Average Spreads & Commissions
This broker offers both fixed and variable spreads. The fixed ones are available on the Basic account and amount to 2.0 pips on EUR/USD, which is average. As regards the variable spreads, the ones provided on the Pro account are as low as 0.3 pips on EUR/USD, but incur a commission fee of 2.5 GBP / 3,5 EUR / 4 USD / 1400 HUF per lot (per side). No commission is charged on the Basic and Standard accounts.

In comparison, FxPro offers average spread of 1.4 pips on the EUR/USD for its commission-free accounts and average spreads as low as 0.4 pips on the EUR/USD for its cTrader accounts, charged $4.5 per standard lot.

You may look up real-time spreads of 15 leading brokers here

Maximum Leverage
The maximum leverage provided by XTB depending on the instrument traded:
- forex: leverage up to 1:200;
- indices: leverage up to 1:133;
- commodities: leverage up to 1:66;
- shares & ETFs: leverage up to 1:10.

On the whole, a maximum leverage of 1:200 is deemed average for the market, however some traders may wish to trade more with less.

Other FCA-regulated brokers, like HY Markets, provide leverage up to 1:300, and XM offers leverage levels as high as 1:888. Traders, however, should be careful, because high leverage ratios may not only allow them to trade more with less, but also to lose more than they have initially deposited.

You can look up a list of more forex brokers offering leverage equal to or exceeding 1:500.

Trading Platforms

Clients of XTB are offered a choice of two trading platforms: their in-house xStation and the renown MetaTrader 4, both available as desktop, web and mobile versions.

xStation is user-friendly, fully-customizable platform, which is equipped with an advanced trading calculator (instantly determining a trader`s potential profit or loss, thus allowing more informed trading decisions). Traders will probably appreciate even more the other two features of the platform: one-click dealing and the ability to deal straight from the charts.


In addition, XTB offers the most widely-used trading platform MetaTrader 4. It allows users to fully automate their trades by Expert Advisors (EA) and let the program do all the work. This is one of the reasons MT4 to be the preferred platform by most traders What is more, it offers a wide range of technical indicators, extensive back-testing environment and advanced charting package. Here is a list of more forex brokers offering MT4 platform.

Risk Management Options

Since CFDs are leveraged products and carry a high level of risk and losses can exceed traders` deposits, XTB provides guaranteed stop losses available on the Basic account.

The broker said on its website it guarantees that stop losses will be executed at the price requested, free of charge - even in cases of slippage.

Bonuses, Rebates, Promotions

XTB offers a variety of promotions to its clients:

- the Loyalty program that offers traders the opportunity to earn cashback on each completed
up to £2.60 cash back per lot.
- Monthly interest cash - traders can earn up to 1.1% on their cash balance each month, depending on the volume of trades.
- Refer a friend bonus – if a trader refers a friend and the latter opens a real account and trades a total of 10 round lots, both of them are entitled to £40.

Methods of Payment

This broker provides its clients with the following payment methods: bank transfer, credit/debit cards (Mastercard, Maestro, Visa) and e-wallets (Paypal, Skrill, Neteller).


XTB is a safe and dependable broker, offering trading in a wide range of CFDs through both its proprietary xStation and the famous MT4. To sum up the above, here are the Pros and Cons with regard to this brokerage:





Mediocre maximum leverage

Choice of trading platforms, MT4 available

No Islamic accounts

Competitive spreads


Guaranteed stop loss available


STP environment available


Bonuses available




Latest news about XTB
Broker Country Regulation Platform Min Deposit Review
Cyprus, UK, Mauritius CySec, FCA, FSC MT4, MT5, Web $10 Review Website
Cyprus, SVG CySEC MT5, Web,
$100 Review Website
Australia, Cyprus ASIC, CySEC MT4, MT5, Iress $100 Review Website
Cyprus, Australia CySec, ASIC MT4, MT5 $5 Review Website
UK, Australia, South Africa FCA, ASIC, FSCA MT4, Trading
$50 Review Website
UK, Cyprus, UAE, South Africa FCA, CySEC, DFSA, FSB MT4, MT5, FxPro
$100 Review Website
Cyprus CySEC MT4, MT5, Web $1 Review Website
Belize IFSC MT4, MT5 $100 Review Website
Cyprus, UK, South Africa, UAE CySec, FCA, FSCA, DFSA MT4, MT5, Web $5 Review Website
Cyprus, UK CySEC, FCA MT4, MT5 $1 Review Website
UK FCA MT5 $5 Review Website
UK FCA MT4, Web, MT4
for Mac
$100 Review Website

Traders` reviews for XTB
















Price feed















Customer service










Excellent broker in my experience

I personally have had excellent service trading with XTB. I traditionally use MT4 but was persuaded by the sales team to give their platform a go and was pleasantly surprised with the level of quality on offer. I trade mainly FX and indices so am happy with the spreads and execution - never any problems withdrawing funds either.

Bernard 11/07/2018

Customer Service not really good

I've been a client for over a year but XTB will mode your account on 'Close mode only' on the slightest of issues, like when using a credit card where my middle name was not given. They won't go any extra mile to help you, especially you will get different Customer Service members on the same email, sometimes Papp sometimes Ho (fictional example). Best to use compliance staff to solve issues like these, but I change the platform for another. It is not a good starting point when slight issues are causing such disruptions, best not to think about other issues. I felt somewhat like a slave with them.

CH 08/14/2017

No crypto onto MT4

From their rules:

1. Instruments BTCUSD, ETHUSD, XPRUSD, LTCUSD and DSHUSD ara available only on xStation platform on STANDARD (market execution only) and PRO offer.

2. The maximum amount of Client involvement in Open Positions (either long or short) on BTCUSD, ETHUSD, XRPUSD, LTCUSD and DSHUSD on the Account may not exceed 50 lots.

BJ9k 07/30/2017

Best platform I've used

The thing I like most about XTB is their trading platform. I've used my fair few over the years including MT4 but their platform (xStation) is honestly the best i've used. Aside from all the traditional features (which to be honest you can get in most platforms), I think the user interface and execution is the best around. Charts are simple, easy to use and save's every time i use it.

David Barnes 03/21/2017

Professional service, very good platform

I'm one of XTB's biggest fans. They literally saved my trading account and helped restore my confidence. thanks XTB

Brian Weale 03/04/2017

Really good. Will go the extra mile for you

Ive been with so many fx brokers over the years. these guys will go above and beyond for you. You can use that to your 'advantage' - I have done :-)

Jamie George 01/20/2017

No complaints

Been trading for a few years but only recently heard of XTB and opened an account with them. Excellent platform, and the instant alerts I receive have also come in handy on a few occasions. One thing I would say is that they need to offer a few more markets, as I can find them more readily elsewhere

Nicholas 11/04/2016


Traded with them for 2 years. Never had any complaints. I think their execution is great and customer service team superb.

I highly recommend them.

Oli 10/30/2016

Happy to recommend XTB

Thanks very much to the UK team, Eryk, Nathan etc for their help in the Traders Club. Learnt a lot from these guys and feel they genuinely care about my success. Thanks XTB and here's to some fruitful trading on your platform.

Harry W 10/28/2016

Really good. Tight Spreads. Great platform

Have traded with them for 6 months so far and I couldn't be happier. I have been into their offices for their beginners course and Trading Club. I like their new platform. I was with plus 500 before and these guys are different class by comparison.

James Matthews 10/28/2016

XTB is very old and reliable broker, with many licenses. But still it's a market maker that will always be against you. So i advise you to choose only true STP/ECN brokers where conflict of interest will not exist.

Andrew 10/18/2016

reliable broker

i have account with them for 6m.
No problems so far. Very good customer support.
Fast execution.

mark 09/11/2016

one of the best!

good broker with low spreads but maximun of services and help. only drawback : less instruments available than average brokers

tradermtl 05/09/2012
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