XTB Review 2025 – Trustworthiness, Features, User Experience & More

XTB is a multi-asset CFD broker that allows users to invest in stocks, indices, commodities, and forex. The platform gives users access to hundreds of global markets, outstanding customer service, and an excellent overall trading experience.

XTB is a specialized trading platform with a plethora of features that make it a good choice for both new and experienced traders. In our XTB review, we will examine those features to help users understand what makes it different from similar platforms.

Our verdict on XTB

XTB is suitable for both beginners and experienced traders. The platform’s tight spreads and advanced features, including hotkeys, 1-click trading, and advanced charting, make it ideal for professional day traders and scalpers.

XTB’s comprehensive educational offerings, active customer service, and intuitive platform make it attractive for new traders. Another distinguishing characteristic of the XTB platform is its commitment to supporting the development of its users into traders, with features like Account Statistics that display key user metrics, such as their success rate.

Beyond features, XTB’s strict regulatory adherence adds an extra layer of security to give users peace of mind. The broker is also available in multiple jurisdictions. For instance, XTB UK serves the United Kingdom market.

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Pros and cons of XTB

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What is XTB?

Founded in 2022 in Poland, XTB is a multi-asset broker. Since then, the company has grown into one of the most globally recognized and best Forex brokers.

XTB, listed on the Warsaw Stock Exchange, now serves more than one million active clients, and has 12 offices globally, including in the Czech Republic, France, Dubai, Germany, Romania, Slovakia, Portugal, the UK, Spain, and Chile.

XTB provides its clients with access to over 6,000 instruments from 16 major global exchanges.

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XTB review

Now let’s take a look at the features that make XTB better than most others in the market:

XTB clients growth

Based on Q2 financial reports for 2025 (XTB is also publicly traded), the broker acquired over 360,000 new clients. The total number of clients using XTB has grown to over 1.7 million.

An increase in the number of new clients is a positive signal that traders worldwide are trusting the broker with their capital. It is also reflecting the competitiveness of XTB in the online brokers’ space.

The budget for the security department was increased (over 40%) in the past year, which reflects the broker’s effort to provide a secure trading environment in today’s technological challenges.

Fees

XTB charges low trading and non-trading fees, which are competitive and transparent. Moreover, the broker offers free account opening and maintenance, as well as free deposits and withdrawals. Though there is no account maintenance fee, users must make at least one purchase or sale a year (otherwise, a small fee is charged).

Other charges include commissions on stocks and ETFs, which are free up to a certain turnover, but a small commission applies beyond that. For instance, there is a 0% commission up to 100,000 Euro nominal investments per calendar month and 0.2% commission thereafter.

XTD doesn’t charge an execution commission for CFDs, but spreads are slightly wider in such a case. The broker has an FX fee of 0.5%. There is also no withdrawal fee, provided users withdraw a minimum of £50 each time.

Account management fee	None
Deposit fee	None
Withdrawal fee	None (for £50 and above)
Commission fee	Free up to 100,000 Euro and 0.2% thereafter
Currency conversion fee	0.5%
Swap fee	None
Interest on uninvested funds	4.5%

Forex spreads on XTB

If you’re trading forex with XTB, spreads are one of the first things to look at. Here’s a comparison of typical spreads for major currency pairs:

Currency pair	Spread	Leverage/margin
EUR/USD	0.00009	1:30/3.33%
GBP/USD	0.00014	1:30/3.33%
EUR/JPY	0.014	1:30/3.33%
EUR/GBP	0.00014	1:30/3.33%
USD/JPY	0.014	1:30/3.33%

XTB plans to add physical cryptocurrencies to its platform (excluding CFDs) and enable options trading. The firm is working on obtaining a MiCA license for physical crypto and an FSA license for options.

Features

XTB is committed to making trading easy and efficient for users, and for this, it offers an array of tools to deepen traders’ relations with the market. Push notification is one such feature to ensure traders are aware of every significant (or even insignificant) market movement.

Similarly, the platform has a trend exploration tool to assist users in making informed decisions. The platform also has an Instrument-specific insight, which provides users with all the details of the asset they are interested in.

XTB also offers a comparative analysis of users’ trading behaviors. Such a feature promotes a community spirit and encourages users to review their strategies in the context of the larger trading ecosystem.

To facilitate quick trading, especially for short-term traders, the platform facilitates single-click trading with no secondary confirmation. Direct hedging is another distinguishing feature, allowing users to simultaneously have long and short positions in the same instrument

Educational resources

XTB has an impressive educational offering and does a good job of integrating education throughout its trading platform suite and website. In fact, XTB’s extensive educational resources surpass some top players in depth and diversity.

XTB, under its “Learn To Trade” section, provides an array of materials, which can be sorted by topic or experience level. Users can find over 200 lessons in XTB’s Trading Academy, including forex and CFD education lessons.

In addition to lessons, the broker also has FAQs, quizzes, and platform tutorials to help users navigate the financial markets easily. Furthermore, the platform features several articles detailing broader subjects, such as macroeconomic indicators.

XTB is also committed to cultivating an interactive learning environment, primarily through webinars. The platform also regularly updates its content library to remain relevant in a changing macro environment.

User experience

Overall, XTB offers a positive user experience to both new and experienced traders. The platform’s user-friendly interface, wide range of investment options, and extensive education resources enhance the overall user experience.

Moreover, the platform’s simple and customizable interface and easy access to global markets also boost the user experience.

Additionally, XTB’s commitment to quick and effective customer support significantly enhances the user experience. The broker has a multifaceted response system, including chat, email, and phone lines, to address user queries. Clients have access to customer support 24/5 in 20 languages.

The platform has a robust FAQ section addressing many concerns, from basic queries to technical nuances. The broker also has a facility of a dedicated account manager, who provides a personalized level of service to facilitate a seamless user experience.

Security

XTB is a legit broker regulated by several global authorities, including the top-tier FCA in the UK and the Polish Supervisory Authority. Furthermore, the fact that the broker is listed on the stock exchange adds to its credibility as it is subject to strict regulation and transparency requirements.

XTB broker has implemented several key security measures, such as using SSL connections, to safeguard user funds. The platform deploys state-of-the-art encryption methodologies and authentication systems to keep user data and financial transactions safe.

Even if the broker becomes insolvent, user funds are protected by the FSCS (Financial Services Compensation Scheme). This assurance gives users peace of mind that their hard-earned money is safe.

Another key security measure the broker employs is separating retail client funds from their operational accounts. Such a measure ensures that user funds remain untouched even when the broker is facing organizational challenges.

Mobile app

XTB has a mobile trading app for Android and iOS users. The app combines convenience and functionality, allowing users to leverage interactive charts, analysis tools, indicators, and much more anywhere and anytime.

The XTB mobile app is available in 24 languages and features instruments similar to those on the web platform, providing access to thousands of CFDs, including forex pairs, on the go. Even the order types on the app are identical to those on the web platform.

In our XTB broker review of its mobile app, we found it to be well-designed and intuitive. The app even supports one-click trading to ensure quick trading even when you are on the move. Users are also allowed to set an expiration date and time for pending orders.

Overall, XTB’s mobile app has a modern design and is well-thought-out to meet most of your trading needs while you are away from your desktop.

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XTB customer satisfaction

Overall, XTB has consistently positive customer satisfaction, particularly due to its user-friendly platform, demo account, and overall investment experience. Several users have also praised the platform’s professionalism and reliability in handling financial transactions, as well as its customer support.

Let’s look at some honest user reviews to understand what users like (or didn’t like) about the platform:

“Am currently using several investing apps and so far XTB is right up there among the best having only been using for a couple of weeks. They have even given me a personal contact should I need to ask anything which is excellent for a free ( except fx fees ) to invest app. As I say so far, I couldn’t be happier with the experience,” said one user on Trustpilot.com.

XTB has 8.3k reviews on the App Store and an overall rating of 4.7 (out of 5). Though App Store users have praised the app overall, some have complained about its limited functionality.

XTB has almost 80k reviews on the Play Store with an overall rating of 4.5 (out of 5). Play Store users have praised the app for its features and functionality.“Great app! Very intuitive and user-friendly interface. I especially appreciate the real-time market data, wide range of instruments, and fast execution.

Educational resources and trading tools are top-notch, which makes it easy for both beginners and experienced traders. Highly recommended!” reads a review on the Play Store.

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Is XTB safe?

Yes, XTB is completely safe. The broker has 22 years of operating history and is regulated by multiple top-tier regulators, including the Polish Supervisory Authority (KFN) and the UK Financial Conduct Authority. Since XTB is a public company, it is subject to more regulation and transparency requirements.

Another thing that makes XTB safe is that it uses robust security measures and authentication systems to safeguard user funds and data. Furthermore, the broker segregates client funds from its own operational resources to ensure the user funds are not touched even when the company is facing financial hardships.

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Conclusion

The trading world can be complex, especially for beginners, but a broker like XTB can make the journey less cumbersome. With access to a wide range of instruments and a plethora of trading tools, this Polish broker emerges as an attractive option for both new and seasoned players.

Additionally, the broker’s low fees and tight spreads make it easier for users to boost their margins. The broker also maintains high standards in other user-centric areas, such as customer support, research, and education. Given its more than two decades of experience, it even scores high in terms of security and trust.

Overall, XTB is a strong all-around broker that has the potential to be a powerful tool in your trading journey. 

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FAQs