XTB Review 2026 – Fees, Regulation, Pros & Cons
XTB is one of Europe's largest publicly traded forex and CFD brokers, listed on the Warsaw Stock Exchange since 2016. Founded in 2002, the broker offers stocks, ETFs, forex, and CFDs through the award-winning xStation 5 platform.
Is XTB Safe?
Yes, XTB is one of the most transparent brokers in the industry, being publicly listed on the Warsaw Stock Exchange (WSE: XTB). The broker is regulated by FCA, CySEC, and KNF, with over 20 years of operational history.
XTB Regulation
- FCA (UK) – License FRN 522157
- CySEC (Cyprus) – License 169/12
- KNF (Poland) – License DDM-M-4021-57-1/2005
- DFSA (Dubai) – License F003484
Trading Platforms
- xStation 5 – Award-winning proprietary platform with advanced charting
- xStation Mobile – Full-featured mobile app
- MetaTrader 4 – Available for EA trading
Fees & Spreads
Commission-free stock/ETF trading up to €100,000/month. Forex spreads from 0.1 pips. €10/month inactivity fee after 12 months.
Pros & Cons
Pros
- Commission-free stock/ETF trading
- Award-winning xStation 5 platform
- Triple-tier-1 regulation
- No minimum deposit
Cons
- €10/month inactivity fee
- No MetaTrader 5
- No cryptocurrency trading
Verdict
XTB stands out as one of the most trustworthy and feature-rich brokers for European traders. Rating: 4.5/5
FAQ
Is XTB regulated and safe?
Yes, XTB is publicly traded and regulated by FCA, CySEC, and KNF.
Is stock trading free at XTB?
Yes, commission-free up to €100,000 monthly volume.
What is the minimum deposit?
No minimum deposit required.