XTB review 2026: fees, regulation and platforms

Summary

XTB, founded in Poland in 2002 and listed on the Warsaw Stock Exchange, is very popular in Europe. It combines forex and index CFDs with real, commission-free shares and ETFs on its xStation 5 platform.

Verdict · 8.7/10

The best all-in-one broker for starting out and investing in Europe.

Accounts and fees

No minimum deposit. Commission-free forex at around 0.8 to 0.9 pip on EUR/USD. Shares and ETFs at 0% commission up to €100,000 of monthly volume, then 0.2% (€10 minimum).

Platforms and markets

xStation 5, simple and fast, on desktop, web and mobile. 11,900+ instruments: 6,900 shares, 2,200 ETFs and 2,600 CFDs.

Trading conditions

Regulation	KNF (Poland), FCA, CySEC, DFSA; CNMV branch in Spain
Minimum deposit	No minimum
Cost	Around 0.8 to 0.9 pip on EUR/USD (standard account)
Commission	None on forex; shares and ETFs at 0% up to €100,000 per month
Platforms	xStation 5 (web, desktop, mobile)
Markets	11,900+ instruments: 6,900 shares, 2,200 ETFs, 2,600 CFDs
Leverage / margin	1:30 on major pairs (EU, UK, Australian retail clients); higher through non-EU entities

Data checked in October 2026 on the broker's official website and specialist reviews. Fees and conditions can change: check them before opening an account.

Strengths and weaknesses

Strengths

Commission-free shares and ETFs
Very intuitive platform
Listed company, KNF/FCA/CySEC regulated
No minimum deposit

Weaknesses

No MT5 or cTrader
Forex spreads wider than a raw account

Who is it for?

A good fit if you…

Beginners
Want to trade and invest in the same app
European traders

Avoid if you…

Scalpers who want MT5 or cTrader
Want a raw spread

Score breakdown

Fees8.8

Regulation9.0

Platforms8.4

Markets9.0

Experience9.2

Five criteria rated out of 10: real fees (spread and commission), strength of regulation, platforms, choice of markets and overall experience (track record, account opening, tools).