01
About XTB
XTB is an international financial group founded in
2002. Its parent company is listed on the Warsaw Stock Exchange.
Depending on the client’s country and contracting entity, the
product range may include stocks, ETFs, fractional rights,
Investment Plans and CFDs on currencies, indices, commodities,
shares, ETFs and cryptocurrencies.
XTB currently advertises more than 11,800 investment and trading
opportunities and over 2.5 million clients across the group.
02
Regulation and Legal Entities
International entity
Company
XTB International Limited
Registration
000000587
Regulator
Financial Services Commission, Belize
Authorization
6442514
Other group entities
United Kingdom
FCA, FRN 522157
Poland
Supervised by KNF
Spain
Supervised by CNMV
Cyprus
Separate regulated entity
i
Regulatory protections do not combine across the group. The
applicable rules depend on the legal entity stated in the
client agreement.
03
Account and Trading Conditions
XTB’s current international help centre lists one main account
type: Standard. Older references to a separate
Pro account no longer represent the main international offering.
| Condition |
International offering |
| Account type |
Standard |
| Minimum deposit |
No set minimum |
| Minimum spread |
From 0.5 pips |
| CFD commission |
From 0%, with exceptions for certain instruments |
| Minimum CFD order |
0.01 lot |
| Maximum leverage |
Up to 1:500 |
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04
Products and Platforms
Investment products
- stocks and ETFs;
- fractional rights;
- ETF-based Investment Plans;
- Forex and index CFDs;
- commodity and cryptocurrency CFDs.
XTB platform
- mobile, desktop and tablet access;
- market and pending orders;
- Stop Loss and Take Profit;
- charts and technical indicators;
- news, research and price alerts.
i
Stocks and ETFs are different from CFDs. A CFD is a derivative
contract and does not provide direct ownership of the underlying
asset.
05
Fees and Other Costs
| Operation |
Current international terms |
| Account opening |
Free |
| Stocks and ETFs |
0% up to EUR 100,000 monthly turnover; above that, 0.2%,
minimum EUR 10
|
| Currency conversion |
Normally 0.5% |
| Withdrawals above $50 |
Free from XTB |
| Withdrawals below $50 |
A $30 fee may apply |
| Inactivity fee |
EUR 10 monthly when the stated inactivity conditions
are met
|
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Payment providers, banks and intermediaries may charge their own
fees. Overnight financing may also apply to leveraged CFD positions.
06
Deposits, Withdrawals and Security
Available funding methods may include bank transfer, payment cards,
Skrill, Neteller and local payment services. The exact selection
depends on the client’s region.
XTB may require identity documents, address confirmation, facial
verification and information about the source of funds.
The company states that client funds are held separately from its
corporate funds and that two-factor authentication is available.
07
XTB Pros and Cons
Advantages
- Operating history since 2002.
- Publicly listed parent company.
- Several regulated group entities.
- More than 11,800 opportunities.
- No set minimum deposit.
- Modern mobile and web platform.
Disadvantages and risks
- International accounts are regulated in Belize.
- Leverage up to 1:500 creates substantial risk.
- Terms vary between legal entities.
- MetaTrader is not part of the main offering.
- Currency conversion fees may apply.
- Products are not identical in every region.
08
FORECK.INFO Verdict
XTB has developed beyond a traditional Forex and CFD broker into
a broader investment platform combining stocks, ETFs, Investment
Plans and leveraged derivatives.
Its main strengths are its public-company status, proprietary
technology, broad product range and absence of a fixed minimum
deposit.
According to FORECK.INFO, the contracting legal
entity, total trading costs and regional product availability are
more important than the advertised number of instruments or
maximum leverage.
09
Frequently Asked Questions
Is XTB regulated?
Yes. XTB International Limited is authorized by the Financial
Services Commission of Belize under number 6442514. Other group
entities are regulated separately.
What is the XTB minimum deposit?
The current international offering does not have a set minimum
deposit.
Which account type does XTB offer?
The main international account type is Standard.
What is the maximum XTB leverage?
International leverage can reach 1:500, although lower limits
apply to particular products and jurisdictions.
Does XTB support mobile trading?
Yes. The XTB platform is available on mobile devices, desktop
computers, tablets and through the web.
· 8 months ago@Ryan Yeah, that sounds pretty accurate. I’ve used XTB on and off, and while the broker itself is solid, the platform definitely struggles when the market gets wild. I also noticed those wider spreads outside regular trading hours — not a deal breaker, but something you feel if you trade often. Support has always been polite with me, but you’re right, the response time isn’t the fastest. Overall it’s a safe, well-regulated broker, but if someone trades actively every day, especially intraday, the costs can add up pretty quickly.