XTB Review 2025: A Deep Dive into Platforms, Fees & Services

In this detailed review, our team takes a firsthand look at XTB, a global broker with over 20 years in the market, to provide you with a transparent and objective analysis. We evaluate the core components of their offering, from the trading instruments and platforms to the fee structure and overall client experience. By the end of this review, you will have a clear understanding of XTB's strengths, potential drawbacks, and how its services stack up for various types of traders. Our goal is to equip you with the facts you need to make an informed decision about your trading journey.

What is XTB?

Based on our analysis, XTB is a prominent online brokerage that provides access to a vast array of financial instruments. It is a publicly traded company with over 1.7 million clients worldwide and a strong presence in the market. The company emphasizes a comprehensive solution for traders and investors alike, offering a single app to access various markets and investment products.

Trading Instruments & Services

XTB offers a diverse range of over 10,800 instruments, primarily through CFDs, but also through direct investment in stocks and ETFs.

• Forex: Over 57 currency pairs, including majors like EUR/USD and minors. The minimum spread on the Standard account is 0.5 pips.
• Commodities: Trade CFDs on popular commodities like Gold, Oil, and Natural Gas.
• Indices: Access to major global stock indices, such as US100.
• Stocks & ETFs: Invest directly in over 8,200 stocks and ETFs with 0% commission on monthly turnovers up to €100,000. Beyond this threshold, a 0.2% commission (minimum £10) applies.
• Investment Plans: A passive investing solution designed for long-term goals.

Trading Platforms

XTB's core platform is its proprietary xStation 5, which is available across multiple devices to ensure a seamless trading experience.

• Web-based Platform: Access all features directly from your browser.
• Desktop App: A downloadable version for enhanced performance and stability.
• Mobile App: A highly-rated mobile application for iOS and Android, allowing you to manage your investments and trades on the go.

The xStation 5 platform is known for its intuitive interface and built-in trading tools, including an advanced trading calculator and tools to manage orders directly on the charts.

Fees and Account Information

From our investigation, XTB's fee structure is transparent and competitive, with a focus on commission-free trading for stocks and ETFs up to a certain monthly volume.

• Commission: 0% commission on stocks and ETFs for monthly turnovers up to €100,000. For CFDs, there is generally no commission, with the main cost being the spread.
• Spreads: Spreads on the Standard account are floating and can be as low as 0.5 pips.
• Currency Conversion: A 0.5% currency conversion cost may apply to transactions in a different currency from your account's base currency.
• Deposits & Withdrawals: Deposits and withdrawals are free, although fees may be charged by the payment provider. A fee may apply to withdrawals below a certain threshold.
• Minimum Deposit: XTB does not have a minimum initial deposit requirement, allowing traders to start with any amount they choose.
• Inactive Account Fee: A monthly fee of €10 is charged if there is no trading activity for 365 days and no cash deposit for 90 days.
• Leverage: Maximum leverage for retail clients is up to 1:30, in line with regulatory standards for certain jurisdictions.

Account Types

XTB simplifies its account structure by offering primarily one main account type—the Standard account. They also offer a demo account to test strategies without financial risk and an Islamic account to accommodate faith-based trading requirements.

What are the Pros & Cons of XTB?

Our evaluation revealed several key strengths and weaknesses of XTB's services.

FAQs about XTB Login

How can I open an XTB account and log in?

You can create an account directly on the XTB website by clicking “Create account” and following the registration steps, which include uploading documents for verification. Once your account is active, you can log in through the xStation 5 web platform, the desktop application, or the mobile app using your credentials. For added security, XTB uses Two-Factor Authentication (2FA).

What if I forget my password?

If you forget your password, the XTB login page offers a “Forgot password?” link. Clicking this will guide you through the process of resetting your password, typically requiring your email address to send you a password reset link.

Is my XTB account and personal information secure?

Yes, XTB uses secure Two-Factor Authentication (2FA) for logging in and ensures client funds are held in segregated bank accounts, separate from the company's own capital. This practice provides an added layer of protection for your money, making it a reliable choice for security-conscious users.

Real User Feedback

• “I've been using XTB for over a year now, and I'm really impressed with their xStation 5 platform. Its clean, fast, and has all the tools I need. The free stock trading up to the limit is a huge bonus for me.” - Mark D.
• “The spreads on forex pairs are generally good, but I've noticed they can widen quite a bit during major news events. It's something you have to watch out for, especially if you're a day trader.” - Sarah J.
• “My experience with XTB's customer support has been excellent. I had an issue with a withdrawal, and their team was very responsive and helpful. The funds were back in my bank account in a couple of days.” - Ben C.