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XTB review
4 licensed entities · xtb.com
highest: Forex in United Kingdom
63 Market Signal
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Market Signal
63
Moderate
Market Signal
✓ Real dataComputed from Ahrefs + Semrush data about XTB’s own website. Not an assessment of the broker itself: it makes up half of the Coinish Score and never changes the Editor Rating. How this works →
Market strength
68
Where it stands today
Momentum
44 Stable →
Where it’s heading
Data confidence
Medium
How much to trust it
- Traffic strength68
- Search visibility71
- Authority68
- Brand & market presence63
Tick mark = category average.
Compared with 87 tracked trading platforms. Data through September 2026, pulled Oct 15, 2026.
Which entity serves you
The company you sign up with depends on where you live. Its regulator decides your protections.
| Entity | Regulator | Licence | Serves | CFD loss % |
|---|---|---|---|---|
| XTB Limited | FCA Tier 1 | 522157 | United Kingdom inferred from the licence | 74% Oct 5, 2026 |
| XTB Ltd | CySEC Tier 2 | 169/12 | Cyprus listed in the regulator's register | – |
| XTB MENA Limited | DFSA Tier 2 | F006316 | United Arab Emirates named on the regional site | – |
| XTB S.A. | KNF Tier 2 | Not verified yet | Poland, Germany, Italy, Spain, Portugal named on the regional site | – |
Editor Rating
Editor Rating · Forex in United Kingdom (XTB Limited)
Computed from verified facts only, with published thresholds. 95% of the rating weight is backed by data. Method →
- Regulation & safety 25%4.2
- Trading costs 25%3.5
- Markets & products 15%4.5
- Platforms & tools 10%4.0
- Deposits & withdrawals 10%4.0
- Account options 5%not scored
- Support 10%4.8
| Country | Product | Entity | Access | Rating |
|---|---|---|---|---|
| United Kingdom | Forex | XTB Limited | Locally licensed | 4.0/5 |
| United Kingdom | CFDs | XTB Limited | Locally licensed | 4.0/5 |
| United Kingdom | Stocks | XTB Limited | Locally licensed | 3.9/5 |
| Germany | Forex | XTB S.A. | EU passport | 3.7/5 |
| Germany | CFDs | XTB S.A. | EU passport | 3.7/5 |
| Germany | Stocks | XTB S.A. | EU passport | 3.7/5 |
| United Arab Emirates | Forex | XTB MENA Limited | Locally licensed | 3.7/5 |
| United Arab Emirates | CFDs | XTB MENA Limited | Locally licensed | 3.7/5 |
| United Arab Emirates | Stocks | XTB MENA Limited | Locally licensed | 3.7/5 |
| Italy | Forex | XTB S.A. | EU passport | 3.7/5 |
| Italy | CFDs | XTB S.A. | EU passport | 3.7/5 |
| Italy | Stocks | XTB S.A. | EU passport | 3.7/5 |
| Spain | Forex | XTB S.A. | EU passport | 3.7/5 |
| Spain | CFDs | XTB S.A. | EU passport | 3.7/5 |
| Spain | Stocks | XTB S.A. | EU passport | 3.7/5 |
| Portugal | Forex | XTB S.A. | EU passport | 3.7/5 |
| Portugal | CFDs | XTB S.A. | EU passport | 3.7/5 |
| Portugal | Stocks | XTB S.A. | EU passport | 3.7/5 |
| Cyprus | Forex | XTB Ltd | Locally licensed | 3.7/5 |
| Cyprus | CFDs | XTB Ltd | Locally licensed | 3.7/5 |
| Cyprus | Stocks | XTB Ltd | Locally licensed | 3.7/5 |
Key facts
| Products | Forex, CFDs, Stocks & ETFs |
|---|---|
| Owner | XTB S.A. (listed on the Warsaw Stock Exchange) |
| EUR/USD all-in cost | Not verified yet |
| US stock commission | $0 per order |
| Currency conversion fee | 0.5% |
| Inactivity fee | €10 per month after 365 days with no trade and no deposit in the last 90 days |
| Withdrawal fee | None |
| Minimum deposit | $0 (XTB Limited) |
| Instruments | 11,900+ |
| Fractional shares | Not verified yet |
| Platforms | xStation web, xStation desktop, XTB mobile app |
| Deposit methods | Bank transfer, Credit/debit card (Visa, Mastercard) |
| Withdrawal time (stated) | same or next business day (bank transfer) |
| Demo account | Yes |
| Support | live chat, email, phone · 24/5 |
Notes
Parent XTB S.A. holds a Polish KNF licence (its site says "We receive a KNF license"). We haven't yet verified the EU entity, its licence number or which countries it serves under its passport.
Ready to look at XTB? Check which company would serve you before you open an account.
Visit XTBSources (26)
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“XTB Limited is authorised and regulated by the UK Financial Conduct Authority (FRN 522157)”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“74% of retail investor accounts lose money when trading CFDs with this provider”
Platforms · broker's own site · xtb.com · Oct 6, 2026
“Our platform is available on desktop and mobile (iOS and Android)”
Platforms · broker's own site · xtb.com · Oct 6, 2026
“Award-winning mobile application and web platform”
Markets · broker's own site · xtb.com · Oct 6, 2026
“Get the most out of global markets by having access to 11900 instruments including stocks, ETFs and CFDs”
Costs · broker's own site · xtb.com · Oct 6, 2026
“Stocks and ETFs investing commission For monthly turnover equivalent up to 100 000 EUR (after that 0.2% min.10 GBP). Free”
Costs · broker's own site · xtb.com · Oct 6, 2026
“Currency conversion fee 0.5%”
Costs · broker's own site · xtb.com · Oct 6, 2026
“Withdrawals Free”
Funding · broker's own site · xtb.com · Oct 6, 2026
“Depending on when you placed your order, your money will be sent to you on the same or next business day”
Support · broker's own site · xtb.com · Oct 6, 2026
“24/5 - Customer Service”
Licence / entity · broker's own site · xtb.com · Oct 6, 2026
“Minimum deposit 0 GBP”
Licence / entity · regulator register · cysec.gov.cy · Oct 6, 2026
“CySEC register of Cypriot investment firms: XTB Ltd, Licence Number 169/12”
Licence / entity · broker's own site · xtb.com · Oct 12, 2026
“All retail Client Money is held in segregated client bank accounts in line with our obligations as a Financial Conduct Authority regulated company.”
Funding · broker's own site · xtb.com · Oct 12, 2026
“Bank transfer ... Payment by credit/debit card (VISA, Mastercard)”
Support · broker's own site · xtb.com · Oct 12, 2026
“Chat with us, send an email, or give us a call”
Licence / entity · broker's own site · cysec.gov.cy · Oct 13, 2026
“Approved Domains ... www.xtb.com/cy”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“XTB MENA Limited ... F006316”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“XTB S.A. German Branch ist registriert bei der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) und unterliegt grundsätzlich der Aufsicht und Kontrolle der polnischen Finanzaufsichtsbehörde KNF.”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“XTB S.A. è autorizzata e regolata dalla Komisja Nadzoru Finansowego (KNF) in Polonia”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“XTB SA, Sucursal en España (NIF W0601162A), está inscrita en el Registro de la Comisión Nacional del Mercado de Valores (CNMV) con el número 40.”
Licence / entity · broker's own site · xtb.com · Oct 13, 2026
“titulares de contas de investimento individuais da XTB S.A.”
apps · broker's own site · apps.apple.com · Oct 14, 2026
“XTB S A”
apps · broker's own site · play.google.com · Oct 14, 2026
“XTB S.A.”
Owner · broker's own site · xtb.com · Oct 5, 2026
“Since 2016, we have been proudly listed on the Warsaw Stock Exchange.”
Accounts · broker's own site · apps.apple.com · Oct 14, 2026
“Open a free demo account in seconds and explore your investment ideas with zero risk”
Costs · broker's own site · xtb.com · Oct 14, 2026
“provided that you make at least one Buy or Sell transaction within 365 days and/or a deposit within the last 90 days. Otherwise, a monthly fee of 10 EUR will be charged”