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 the FeesWizard editorial team · Fees verified June 2026 · Our methodology
Best overall: 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 XTBCapital at risk. This is not financial advice. Investing involves risk of loss.
Fees
- stock Commission: 0% up to €100k monthly turnover, then 0.2% (min €10)
- withdrawal: Free above €100 (some entities charge €10 below €100)
- inactivity: €10/month after 1 year inactive with no deposit in 90 days
- conversion: 0.5% FX markup when account and instrument currency differ
- spread: Spreads on CFDs
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. It is less ideal for UK investors who specifically need an ISA wrapper, which XTB does not offer, or for those who trade in non-base currencies often, where the 0.5% FX fee adds up.
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 above €100 (some entities charge €10 below that). 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. Use our fee calculator to see how XTB compares for your own trading pattern.
Pros and cons
XTB
Pros
- +Commission-free stocks and ETFs (under turnover cap)
- +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
Capital at risk. This is not financial advice. Investing involves risk of loss.
Compare XTB head-to-head
XTB vs alternatives
| Feature | XTB | eToro | Trading 212 |
|---|---|---|---|
| Rating | 4.5 / 5 | 4.5 / 5 | 4.4 / 5 |
| Stock commission | 0% up to €100k monthly turnover, then 0.2% (min €10) | $1–$2 per stock trade (varies by country/exchange); ETFs 0% | 0% |
| Withdrawal fee | Free above €100 (some entities charge €10 below €100) | $5 per withdrawal on USD accounts ($30 min); free on GBP/EUR accounts | Free |
| Inactivity fee | €10/month after 1 year inactive with no deposit in 90 days | None (eToro removed the inactivity fee in 2026) | None |
| Min deposit | $0 | $50 | $1 |
| Fractional shares | Yes | Yes | Yes |
| Demo account | Yes | Yes | Yes |
| Regulators | FCA, CySEC, KNF | FCA, CySEC, ASIC | FCA, CySEC |
Frequently Asked Questions
Is XTB safe and legit?
XTB is regulated by FCA, CySEC, KNF and has operated since 2002. All investing carries risk of loss.
What are XTB's fees?
Stock commission: 0% up to €100k monthly turnover, then 0.2% (min €10). Withdrawal: Free above €100 (some entities charge €10 below €100). Inactivity: €10/month after 1 year inactive with no deposit in 90 days.
What is the minimum deposit for XTB?
The minimum deposit is $0.
XTB
Best for low-cost stock and ETF investing in the EU/UK
Capital at risk. This is not financial advice. Investing involves risk of loss.