XTB is primarily a forex and CFD broker, while in some countries you can also trade with stocks.

They are one of Europe’s leading brokers and as a group provide 230,000+ retail traders instant access to thousands of global markets including forex, indices, shares, commodities and more. Their attention to detail and dedicated client care is built on a foundation of powerful, innovative technology that helps you maximise trading potential.

They are global brokers, currently with 13 offices worldwide. In Europe, it serves clients via the UK or a Polish entity.They are listed on the Warsaw Stock Exchange. A listed company is more transparent, as it discloses its financials regularly. XTB is authorised and regulated by different regulators, including the UK FCA.

Registering an account with XTB is a straightforward three-step process. New members are first required to fill out a registration form online. A mail will be sent to your registered email address requesting you to confirm receipt by clicking a link which will be contained in the email.

Once you have confirmed your email address, the second step is sending verification documents to the XTB verification department. The verification documents required are; proof of identity and proof of residence.

The third step for you to begin trading is funding your account. The process is a little bit different for UK residents who open an account with XTB UK, where 75% of account applications are instant. Germany residents aren’t required to send verification documents since the process is done via video call.

The account opening is also fast and user-friendly, will be ready within a day. XTB has good research tools, including news flow, market sentiment, and an economic calendar.

During registration, customers can choose between the standard and pro account. The difference between the two is based on the lot sizes available to trade and the spreads you will receive, the pro account offers much more competitive spreads (starting from 0.28 pips) because its spreads are based on volume and they also charge a commission, while the standard account charges fixed spreads (starting from 0.35 pips). Overall, the account opening process and the account types are friendly and suitable for all types of traders.

XTB offers a fast deposit and withdrawal, and multiple options to deposit, including credit/debit cards. XTB provides traders with a variety of ways in which they can make deposits and withdrawals. These are bank transfer, MasterCard, Visa, PayPal, Paysafecard, Maestro, Neteller, and Skrill. E-Wallets like Paypal and Skrill attract a transaction charge of 2% of the deposited amount, while card and bank transfer payments are free of charge. Traders are allowed to make deposits using any of the following currencies EUR, USD, GBP, and HUF. XTB processes deposits instantly for e-wallets and card payments and same day processing for withdrawals for requests made before 1 pm UK time. Bank transfer transactions have a lag time of 3 business days. Traders are required to make an initial minimum deposit of £/ $/€ 250.

XTB has two trading platforms, the popular MetaTrader4 (MT4) and their own tailor-made trading platform dubbed xStation 5. The MT4 is a commonly used platform among forex traders since many forex brokers offer it as their core trading platform.

MT4 has 80+ indicators, nine timeframes, 3 chart layouts, 37 language options and allows for expert advisors which is preset or programmable automated trading strategies. The platform enables traders to save chart settings as templates and loads the settings on the go. Resource wise the software is low on the usage of computer resources like RAM and basic computers can work well with MT4 without being slowed down, provided internet connectivity is stable.

We recommend XTB for forex and CFD traders looking for great funding and withdrawal processes and research tools.


Fast deposit and withdrawal
Fast and user-friendly account opening
Good research tools
Low non-trading fees
No withdrawal fee
No inactivity fee
Limited product portfolio, mostly CFD and FX
Sales team can be pushy
No 24/7 customer support