XTB Review 2026: Fees, Platforms and Verdict
Our verdict on XTB
XTB is a Warsaw-listed broker that has been serving retail traders since 2002. It combines a genuinely free-to-use Standard account with the xStation platform, and it keeps client money in segregated accounts under CySEC and ASIC oversight.
In this review we open a live account, fund it, trade the most popular pairs and withdraw the profits — to show what the broker actually costs in practice.
Platforms and markets
xStation 5 is the flagship: it ships with an order-book view, market sentiment from other clients and a built-in news feed. The mobile app mirrors the desktop feature set, which is not something every broker can claim.
Account types compared
The Standard account charges no commission and spreads from 0.1 pips on EUR/USD. The Raw Spread account inverts the model: near-zero spreads with $3.50 per lot per side. High-volume traders usually come out ahead on Raw pricing.
ASIC
The Australian Securities and Investments Commission (ASIC) is Australia’s corporate, markets and financial services regulator.
ASIC applies the same retail protections as ESMA: leverage limits, negative balance protection and a ban on binary options for retail clients.
Australian financial services licensees must hold client money in segregated trust accounts and meet minimum capital requirements.
CySEC
The Cyprus Securities and Exchange Commission (CySEC) is the financial regulator of Cyprus and a full member of the European Securities and Markets Authority (ESMA).
Brokers licensed by CySEC can serve clients across the European Union under MiFID II passporting rights.
Retail clients of CySEC-regulated brokers get leverage caps, negative balance protection and a ban on trading bonuses under ESMA rules.
Client money must be held in segregated accounts, and firms report to the Investor Compensation Fund (ICF) up to €20,000 per client.
IFSC
The International Financial Services Commission (IFSC) supervises financial services offered from Belize.
It is an offshore jurisdiction: protections for retail clients are lighter than under tier-1 regulators, and there is no compensation scheme.
Remember: regulation and profitability are two different things. A regulated broker gives you a structured environment and a complaint channel, but no broker can guarantee profitable trading.
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XTB: frequently asked questions
Is XTB regulated?
Yes. XTB operates under CySEC (Cyprus) and ASIC (Australia) licences, among others, with client funds held in segregated bank accounts and negative balance protection for retail clients.
How much do I need to open an XTB account?
There is no minimum deposit for the Standard account — you can start with any amount. The Raw Spread account has a higher entry threshold.
Does XTB charge for deposits or withdrawals?
No, XTB does not charge deposit or withdrawal fees. Your bank or payment provider may apply its own charges, and an inactivity fee applies after a long period without trading.