XTB Review 2027Core Trading Conditions and Fees

XTB review 2027: Europe's fast-growing listed broker

XTB was founded in Poland in 2002 as X-Trade and has become one of the largest brokers in Europe. It has been listed on the Warsaw Stock Exchange since 2016 and passed two million clients in 2025. In recent years it has shifted from a pure CFD provider to an investment app that offers real shares, ETFs and savings-style products alongside leveraged trading. Its own platform, xStation 5, is widely regarded as one of the best in the industry. Here is how the broker looks for 2027.

Regulation

XTB is supervised by the Polish Financial Supervision Authority and holds licences from the UK's Financial Conduct Authority, the Cyprus Securities and Exchange Commission and the Dubai Financial Services Authority, with further authorisations in markets including Indonesia and Chile. Clients outside those regions are served by an entity regulated by the Financial Services Commission of Belize. As a public company it reports results every quarter. UK clients are covered by the Financial Services Compensation Scheme within its limits, and EU clients by the relevant national scheme.

What you can trade

More than 70 currency pairs are available as CFDs, together with indices, commodities and cryptocurrencies where permitted. Beyond CFDs, XTB offers real shares and ETFs from major exchanges with zero commission up to a monthly turnover of €100,000, after which a small fee applies. Investment plans allow regular contributions into ETF portfolios, and uninvested cash earns interest at rates that vary by currency. This mix makes XTB more than a forex broker.

Costs

The standard account is commission-free for forex, with EUR/USD spreads from around 0.5 pips at the minimum and somewhat higher on average. There is no minimum deposit. Card deposits may carry a small fee in some regions, while bank transfers are free. Withdrawals are free above a low threshold. A monthly inactivity fee applies after a year without trading and no deposit in the previous 90 days. A currency conversion charge applies when you trade assets in a currency different from your account.

xStation 5

XTB dropped MetaTrader for new clients in most regions and concentrates on its own platform. xStation 5 is fast and clearly laid out, with advanced charting, a stock and ETF screener, heat maps, a trader's calculator that shows margin and pip value before you place an order, and market sentiment data. Trade statistics break down your results by instrument and direction. The mobile app is among the highest rated in the sector. Traders who rely on MetaTrader expert advisors will need to look elsewhere.

Leverage

Retail clients in the UK and EU are limited to 1:30 on major forex pairs, with negative balance protection. Professional clients can obtain up to 1:200. Clients of the international entity can use leverage up to 1:500. As ever, the regulated limits exist because most retail traders lose money on leveraged products.

Education and research

XTB's educational offering is extensive, with video courses, articles and regular webinars for different experience levels. Market news and analysis from the in-house team are streamed directly into the platform, alongside an economic calendar. Customer support is available 24 hours a day on weekdays by chat, phone and email in many languages, and each client is assigned an account contact.

Pros and cons

• Platform: xStation 5 is fast, intuitive and feature-rich.
• Investing: zero-commission shares and ETFs within a generous monthly limit.
• Trust: listed company regulated in Poland, the UK and Cyprus.
• Accessibility: no minimum deposit and strong education.
• No MetaTrader: unsuitable for traders who depend on MT4 or MT5 tools.
• Single account type: no raw-spread option for high-volume forex traders in most regions.

Who should use XTB?

XTB is an excellent choice for beginners and intermediate traders, and for people who want to combine long-term investing with occasional CFD trading in one app. Algorithmic traders and those seeking raw interbank pricing may prefer a specialist.

Verdict

XTB has matured into a well-regulated, publicly listed broker with a first-rate platform and a sensible product mix. For 2027 it is one of the strongest options for European retail traders. CFDs are complex instruments, and most retail investor accounts lose money trading them.

XTB review: compare the alternatives

This XTB review is part of our Top 65 Forex Brokers in 2027 ranking. To compare, read the eToro review and the Exness review.