Xtb analysis and updated review

Xtb analysis and updated review

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What is XTB?

Founded in 2002, XTB (formerly known as X-Trade Brokers) was the first of the Forex brokers to make a strong appearance in Poland. Over the years, the company has grown to become the world’s fourth largest Forex, CFD and spot equity trading house. Right now, it is active in 13 countries, including Poland, of course, France, Germany, Turkey, the United Kingdom, Spain and many more.

In addition, there are several security guarantees that await you if you decide to open an account with XTB as it is fully regulated by several financial organisations. These include the Spanish Comisión Nacional del Mercado de Valores (CNMV) and others such as CMB, FCA and KNF. As if that wasn’t enough, it has received world-class recognition, such as the 2016 award for best trading platform at the Online Personal Wealth Awards. Of course, as their client you will have the help of their customer service team whenever you need it, among many other advantages, but what is clear is that Xtb stands out for its security and reliability.

Is XTB a safe and reliable broker?

XTB has been gaining popularity among traders for years and is now one of the best brokers in the world. It is a regulated broker that complies with strict conduct of business laws for financial institutions and its clients enjoy quality assured services.

Among the various licences that regulate the activity of this online broker is the one granted by the Spanish FCA, one of the strictest bodies when it comes to monitoring the correct compliance with the guidelines it imposes. Spanish users will be pleased to know that XTB in Spain is registered with the CNMV and that its capital will be managed by Spanish banks.

Although we can certainly find all kinds of opinions about XTB, the truth is that in terms of regulation and security there is nothing to reproach. For all these reasons we dare to say that XTB broker is reliable and totally safe.

The stock broker you are looking for

If this company stands out for anything, it is for being the first online broker in Europe to offer the possibility of trading not only CFDs on shares, but also pure and real shares. What’s more, traders who use Xtb to invest in real stocks will enjoy an unbeatable commission rate: 0% commission.

You read it right. Xtb also ensures that these conditions are not promotional but permanent.  For all these reasons we consider it to be the best stock broker.

NOTE: Live shares with XTB are only available to traders resident or the European Union.

Spreads and commissions

The fees that XTB applies to its services are quite low and this makes it a cheap broker. It does not charge opening or closing commissions but only spreads that vary according to the asset we have chosen.

  • Forex: average spreads of 0.28 pips (although they vary depending on the volatility of the market).
  • Equity CFDs: 0.08% commission on equity CFDs.
  • Shares: 0% commission.
  • Commodities: spreads are variable depending on the commodity chosen. Gold, as an example, varies between 0.21 and 0.63.  Cocoa, on the other hand, has spreads of up to 14 pips.
  • Stock indices: As with commodities, spreads on indices are different depending on the instrument chosen. For example, the spread on the DAX is 0.9 pips while the spread on the Dow Jones is 2 pips. It is possible to work with micro lots.
  • Cryptocurrencies: Bitcoin, Ripple, Dash, Ethereum and Litecoin and have spreads from 0.014 pips.

It is clear, therefore, that there are no commissions but the spreads fluctuate with each underlying asset we want to trade. If we compare Xtb’s spreads with those of other CFD brokers we will see that they are not very high and that Xtb is one of the cheapest brokers when it comes to trading. This is definitely a plus point for this broker.

We have also found that it is easy to deposit funds into the live trading account and that they have a wide range of payment methods available to their clients. Withdrawals are no problem either.

Currency pairs on Xtb

Xtb has become one of the leading online Forex brokers and offers a wide range of currency pairs.

Currency pairSpreadMargin
EUR/USD0.8 pips0.5%
GBP/USD2 pips0.5%

Commodities in Xtb (Metals)


Commodities in Xtb (Energy)

Raw materialsSpreadMargin
Natural Gas0.011.5%
Heating Oiln/an/a

Commodities in Xtb (Agricultural)

Raw materialsSpreadMargin
Coffee C0.181.5%

Cryptocurrencies on Xtb


Stock Indices on Xtb

Stock IndexCurrencySpreadMargin
NASDAQ 100USD10.50%
CAC 40EUR1.10.75%
DAX 30EUR0.90.50%
FTSE 100GBP1.70.50%
IBEX 35EUR60.75%

When it comes to trading CFDs on underlying assets, we find a long list of assets such as: currency pairs in forex, various commodities or raw materials, a good number of indices, also CFDs on shares of international companies, as well as ETFs and Options.

Remember that these data are approximate. For example, the maximum leverage for non-professional accounts is usually 1:30 depending on the product. We recommend you to click on the “Go to XTB” button to check all available instruments, spreads and maximum leverage for each financial product directly on the broker’s website.

Remember that using leverage increases risk, which can cause you to lose money quickly. This is why you need to be careful and use safety tools such as stop losses.

XTB Trading Platform

If there is one thing Xtb stands out, it is its own trading platform. This is the well-known xStation 5 and its mobile version, an intuitive and easy-to-use trading platform. It is a software that requires no installation or download and can be used from any device thanks to the xStation mobile version.

What more could you ask for? XTB’s xStation 5 is one of the best trading platforms and is a further demonstration of the quality of the services offered by XTB.

Trading PlatformAvailable
xStation 5

XTB Demo Account

One of Xtb’s weaknesses until recently was the absence of a free demo account that its clients could use without the need to make a deposit and on any device. Fortunately, this has changed and such an account is now available at this broker.

In addition to the possibility of fictitious trading, Xtb has a multitude of training content with tutorials, live seminars and more for its customers. All free of charge and for all levels.

A good advice we can give you is to try all their services on demo before risking your money and to do so on several products. Likewise, you should not choose a broker without first taking a look at their web trading platform. The XTB demo is 100% free, is available in English, and has all the tools and assets of the live account.

The main advantage of the demo trading account is that you can test all the services of this broker without risking your capital. Whether it is to develop your trading strategies or to familiarise yourself with their trading platforms, we recommend using the demo account as much as you need to.

Advantages of trading with XTB

  • Broker regulated by international bodies.
  • Low and competitive spreads.
  • Unlimited demo platform.
  • Broker registered with the CNMV.
  • Customer service by telephone and in Spanish.
  • Large number of instruments to trade.

Disadvantages of Xtb

  • It does not offer VPS.
  • It does not offer Social Trading.
  • Demo account limited to 30 days.


After our analysis of XTB, the conclusion is that it is one of the best brokers available due to its recognised prestige, assured quality and the fact that it is regulated by international financial organisations. In terms of security, this broker passes all possible tests and is perfectly adapted to the needs of both Spanish and Latin American retail and professional investors.

A free demo account is available, but if you decide to open a real trading account, remember our usual risk warning: trading is risky, CFDs are complex instruments that are difficult to understand and the risk is multiplied by leverage. Never invest more money than you can afford to lose. You take advantage of your investment opportunities but remember that when trading with XTB or any online broker you take a high risk of losing money.

External references



Yes, as well as having a long history in the online trading industry, XTB is regulated by various official bodies such as the British FCA and the Spanish Comisión Nacional del Mercado de Valores (CNMV). This ensures that the company operates with guarantees.


No. If you decide to open a real trading account with this broker you will not pay any commissions such as account opening or closing fees. You will only have to deal with spreads, which will vary depending on the asset you invest in as well as the volatility of the financial markets.


XTB clients can make use of a free demo trading account with a fictitious starting balance that will allow them to trade a long list of financial assets as if it were real money but without the risk of losing money. The demo account will be available for a period of 4 weeks after opening.


You can deposit as many funds as you wish into your live trading account using a variety of currencies such as the Euro, Pound Sterling and US Dollar. The minimum deposit is very low so this broker is suitable for both retail and professional investors.

Xtb analysis and updated review Details

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Xtb analysis and updated review
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