XTB Review 2026
XTB is one of Europe's largest listed brokers, offering commission-free real stocks and ETFs up to €100,000 of monthly turnover alongside a genuinely capable, award-winning platform (xStation). It hits a sweet spot between the simplicity of app-only brokers and the depth of professional platforms — making it a strong pick for cost-conscious EU and UK investors who also want solid research and charting. The 0.5% currency-conversion fee is the main cost to keep an eye on.
Reviewed by Yaniv Barshaf, CPA · Fees verified 21 September 2026 · Our methodology
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XTB: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK). 77% of retail investor accounts lose money when trading CFDs with XTB Limited (CY), which serves clients who opened an account from 1 January 2021 and do not reside in the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XTB Limited (UK) is authorised and regulated by the Financial Conduct Authority (FRN 522157). XTB Limited (CY) is authorised and regulated by the Cyprus Securities and Exchange Commission (169/12).
Our verdict on XTB
XTB is a strong middle-ground pick for EU and UK investors who want commission-free stock investing plus a genuinely good platform and research — just mind the 0.5% FX fee and the turnover cap.
Get started with XTBCFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Fees
- Stock commission: 0% up to €100k monthly turnover, then 0.2% (min €10)
- Withdrawal: Free, with no minimum withdrawal amount - XTB charges no withdrawal commission, including on foreign-currency withdrawals
- Inactivity: EUR 10/month, only after 365 days with no trade AND no deposit in the previous 90 days. Not charged on ISA accounts, where open positions are held, or on a zero balance.
- Currency conversion: 0.5% margin on the XTB exchange rate (0.8% on weekends and holidays)
- Custody and spreads: No custody fee up to €250,000 of holdings; above that 0.02% a year (minimum £10) on the excess. Spreads on CFDs
Want to avoid this charge? See brokers with no inactivity fee →
Wondering how your money is protected? Read what happens if a broker goes bust →
Who XTB is best for
XTB suits investors who want commission-free stock and ETF investing but are not willing to give up a powerful platform and research, and those who value a long-established, well-regulated broker. UK investors are well served too: XTB runs a flexible Stocks & Shares ISA with no platform fee. It is less ideal for those who trade in non-base currencies often, where the 0.5% FX fee adds up, or for anyone holding more than €250,000, above which a 0.02% annual custody charge applies to the excess.
XTB fees in plain English
Real stocks and ETFs are commission-free up to €100,000 of turnover per month; above that, a 0.2% commission applies with a €10 minimum. The main everyday cost is a 0.5% currency-conversion fee when your account and the asset are in different currencies. Withdrawals are free, with no minimum withdrawal amount. An inactivity fee of €10/month only kicks in after a full year of no trading and no deposit in the prior 90 days, so it is easy to avoid.
Safety and regulation
XTB has operated since 2002 and is regulated across multiple jurisdictions, including the FCA in the UK, CySEC in Europe, and KNF in Poland, where its parent company is publicly listed. Your capital is still at risk when investing, but the broker operates under established oversight.
Platform and research
XTB's xStation platform is a genuine differentiator at this price point: fast, well-designed, and packed with charting, screeners, and market analysis that go well beyond what simple investing apps offer. For investors who want to research before they buy, this is where XTB pulls ahead of pure low-cost rivals.
How XTB compares on cost
On running costs XTB is competitive but not the outright cheapest — its 0.5% FX fee is higher than some rivals, though commission-free stock dealing and free withdrawals keep the all-in cost low for most investors. Our cost model covers share dealing only: it prices commissions, FX and custody, and it does not attempt to price CFD spreads, which move intraday and cannot be verified against a published schedule the way a commission can. Use our fee calculator to see how XTB compares for your own investing pattern.
Our XTB score: 4.7/5
How this is calculated →Computed from the fee data on this page, not assigned by hand. Our commercial relationships are not an input.
- Cost (45% of the score)89/100
Averages 0.05% of the portfolio a year in charges across our three benchmark investors.
- Regulation & protection (20% of the score)100/100
Regulated by FCA, CySEC, KNF. Tier-one regulators (FCA, BaFin, SEC and equivalents) carry the most weight.
- Market & account breadth (15% of the score)100/100
Covers 4 of the asset classes we price and 2 account types.
- Accessibility (10% of the score)100/100
Minimum deposit none; supports fractional shares; has mobile app.
- Fee transparency (10% of the score)75/100
Publishes a schedule complete enough to model every charge, but charges an inactivity fee.
Pros and cons
XTB
Pros
- +Commission-free stocks and ETFs (under turnover cap)
- +Flexible UK Stocks & Shares ISA with no platform fee
- +No minimum deposit
- +Well-regulated and established
- +Strong, user-friendly platform
Cons
- −0.5% FX fee is higher than some rivals
- −0.2% commission above €100k monthly turnover
- −Inactivity fee if both idle and not depositing
XTB
Best for low-cost stock and ETF investing in the EU/UK
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XTBfees & safety, in depth
Compare XTB head-to-head
XTB vs alternatives
| Feature | XTB | Lightyear | Trading 212 |
|---|---|---|---|
| Rating | 4.7 / 5 | 5 / 5 | 4.9 / 5 |
| Stock commission | 0% up to €100k monthly turnover, then 0.2% (min €10) | UK personal accounts (GIA and ISA): no execution fee on UK, US and European stocks or ETFs. EU accounts: GBP 1 per order on UK stocks, EUR 1 per order on EUR-denominated stocks, 0.1% on other European stocks, and 0.10% (min $0.10, max $1) on US stocks. ETFs are execution-fee-free on both. | 0% |
| Withdrawal fee | Free, with no minimum withdrawal amount - XTB charges no withdrawal commission, including on foreign-currency withdrawals | Free by local bank transfer. USD wire payments are charged (up to $8.50 UK, $6.11 EU). | Free |
| Inactivity fee | EUR 10/month, only after 365 days with no trade AND no deposit in the previous 90 days. Not charged on ISA accounts, where open positions are held, or on a zero balance. | None | None |
| Min deposit | None | None | £1 |
| Fractional shares | Yes | Yes | Yes |
| Demo account | Yes | No | Yes |
| Regulators | FCA, CySEC, KNF | FCA, EFSA | FCA, CySEC |
Frequently Asked Questions
Is XTB safe and legit?
XTB is regulated by FCA, CySEC, KNF and has operated since 2002. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY).
What are XTB's fees?
Stock commission: 0% up to €100k monthly turnover, then 0.2% (min €10). Withdrawal: Free, with no minimum withdrawal amount - XTB charges no withdrawal commission, including on foreign-currency withdrawals. Inactivity: EUR 10/month, only after 365 days with no trade AND no deposit in the previous 90 days. Not charged on ISA accounts, where open positions are held, or on a zero balance..
What is the minimum deposit for XTB?
The minimum deposit is none.
XTB
Best for low-cost stock and ETF investing in the EU/UK
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with XTB Limited (UK); 77% with XTB Limited (CY), which serves clients outside the UK. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.