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XTB is a multi-asset broker offering real stocks and ETFs plus leveraged CFD products through its xStation web/mobile platform. Official pages are highly regional: the international site is under XTB International Limited (Belize/FSC) while UK, EU/Cyprus, MENA, France/Canada and other branches have separate rules, protections and product availability.
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89
/100
Overall
Overall looks strong, with high-confidence evidence. Still verify country/entity terms.
Headline score from research fields, regulation evidence, and scoring payload.
Forex/CFD traders comparing cost, platforms, trust, and withdrawal terms.
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Before you decide
Restricted Countries
XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
Spread From
Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.
Commission
Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.
Negative Balance Protection
Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.
Investor Compensation
UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.
Withdrawal Processing Time
Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days.
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Important disclosure
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.
89
/100
Overall score
Overall score looks strong, with high-confidence evidence. Still verify country/entity terms.
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal looks strong, with high-confidence evidence. Still verify country/entity terms.
Availability
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
SourceEvidence
FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages.
SourceKey disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848.
SourceXTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC).
SourceNegative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.
SourceUK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.
SourceNo minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit.
SourceMinimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.
SourceStocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.
SourceXTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
SourceOfficial pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies.
SourceXTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5.
SourceXTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account.
SourceLeverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged.
XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply.
SourceInternational withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees.
SourceAccount maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met.
SourceDeposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer.
SourceMain withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts.
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