XTB Review 2025: Low Fees, Powerful Tools & Trusted Broker
Adam Woodhead
Co-Founder
Adam is a passionate investor who created The Investors Centre (TIC) to combine his professional skills with his love for investment. His goal is to offer a platform filled with valuable resources, practical advice, and effective strategies for anyone looking to make their mark in the investment world.
“Investment is about more than just numbers; it’s about strategy, research, and the willingness to adapt. At TIC, we’re here to provide the tools and knowledge you need to succeed on your investment journey.”
Dom Farnell
Co-Founder
Dom is an experienced retail investor, learning his craft in what he likes to call the “hard way”. Through many of these lesson’s he has crafted himself a sound investment strategy that has enabled him to make investing into a business not just a hobby. He wanted to create The Investors Centre to be able to use these lessons and help other people establish them selves in the world of investing.
“Financial clarity and integrity are the cornerstones of everything we do. We’re here to ensure that your investment journey is built on a solid financial understanding and a sound strategic foundation.”
In this review, I’ll walk you through everything you need to know about XTB, from fees and features to trading tools and real user experience. Whether you’re brand new to trading or a seasoned pro, this review will help you decide if XTB is the right fit for your trading and finance goals in 2025.
Quick Answer: Would we recommend XTB?
Yes, we are awarding XTB a 4.6/5 rating, competitive fees, wide asset range, and strong educational focus. The user-friendly interface and commission-free trading suit both novice and experienced traders. However, with no ISA and SIPP options XTB aligns more with traders than investors.
Featured Exchange – XTB
XTB is a trusted global broker that offers a robust trading experience across crypto, forex, indices, and more—all through its award-winning xStation platform. While XTB only supports crypto CFDs (not actual asset ownership), it delivers competitive spreads, fast execution, and a suite of educational tools that make it a top choice for UK traders looking to gain exposure to crypto markets alongside traditional instruments. With no minimum deposit and a strong FCA regulatory framework, XTB is ideal for those who value flexibility, speed, and learning support in their trading journey.
- Minimum Deposit: £0 (start trading with any amount)
- Access crypto CFDs with tight spreads and fast execution
- FCA regulated and fully compliant with UK trading standards
- xStation 5 platform offers powerful tools and market insights
- Great for traders who want a low-barrier, all-in-one CFD platform
73% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.
What Is XTB?
XTB is a globally regulated online broker offering access to over 5,600 instruments, including forex, stocks, indices, commodities, and ETFs. Founded in 2002 and listed on the Warsaw Stock Exchange, XTB is known for its low-cost trading, commission-free stock and ETF investing (up to £85,000/month), and award-winning xStation 5 platform. With no minimum deposit, competitive spreads, and a strong focus on education, in 2025 XTB continues to be a solid choice for both beginners and experienced traders.
What Does XTB Do Best?
In my experience, XTB really shines when it comes to low-cost day trading. You can trade stocks and ETFs commission-free for volumes up to £85,000 a month, which is great if you’re trying to keep fees down. It’s also one of the most beginner-friendly platforms I’ve used, thanks to its top-notch educational resources. And the xStation 5 platform? It’s smooth, intuitive, and packed with powerful tools.
What Makes XTB Different?
What sets XTB apart is how much it invests in education. The webinars, tutorials, and full trading courses helped me level up my skills, and clearly, I’m not the only one who thinks so since they won numerous awards for it in 2023. Another bonus: they pay interest on uninvested funds, 5% on GBP, 2% on EUR and USD.
What Account Types Does XTB Offer?
When I signed up with XTB, I started with their Standard account—it’s their most popular option, and there are no opening or maintenance fees. If you’re just testing the waters, the 30-day demo account is excellent for getting hands-on experience without risking real money.
For more experienced traders, there’s the Pro account, which offers tighter spreads and higher leverage—but you’ll need to meet certain criteria to qualify. And recently, XTB has begun offering a Stocks and Shares ISA for UK investors, so if you’re looking for tax-efficient investing, you’re in the right place.
What Are the Pros and Cons of XTB?
| Pros | Cons |
|---|---|
| Commission-free trading on stocks and ETFs up to £100K per month | No SIPP option for UK investors |
| Easy-to-use, customisable xStation 5 platform | Focus is mainly on CFDs—not ideal for long-term, buy-and-hold investors |
| Excellent educational content, including webinars and tutorials | £10 monthly inactivity fee after 12 months of no trading |
| Competitive interest rates on idle cash | |
| Fast, hassle-free account setup with no minimum deposit |
What Assets Can You Trade on XTB?
There are over 5,600 instruments available on XTB, I’ve been able to trade everything from forex and indices to commodities, stocks, and ETFs. There are more than 3,000 stocks listed from 16 global exchanges—including big names from the London Stock Exchange and the New York Stock Exchange. Plus, fractional share trading is an option so you can buy into pricey stocks like Netflix or Tesla without having to shell out the full amount.
That said, if you’re after mutual funds or bonds, XTB might feel a bit limited. It’s definitely geared more toward active traders and short- to medium-term strategies.
| Fee Type | Details |
|---|---|
| Minimum Deposit | No minimum deposit required. |
| Inactivity Fee | €10 per month after 12 months of inactivity. |
| Stock and ETF Trading (UK & US) | £0 commission for trades up to £85,000 per month. |
| Forex Trading | Spread-based fees, starting from 0.3 pips for major currency pairs like EUR/USD. |
| Withdrawal Fee (under £50) | £5 fee applies for bank transfers. |
| Credit/Debit Card Deposit Fees | £0 for most regions, up to 2% for certain countries. |
| Currency Conversion Fee | 0.5% applied on transactions involving a currency different from the account’s base currency. |
| Leverage Costs | Variable, based on the asset and account type. Overnight financing costs apply (e.g., -0.02341% for equity CFDs). |
| Interest on Uninvested Funds | 5.2% for GBP, 5% for USD, 3.8% for EUR (rates subject to change). Interest applies only to the free margin available on the account. |
What Are the Fees Like on XTB?
One of the biggest reasons I started using XTB was its low-cost structure. If you’re trading stocks and ETFs, you can go commission-free on up to £85,000 in trades per month—which is seriously competitive. Once you pass that limit, there’s a 0.2% commission, with a minimum fee of £10 per trade. Still reasonable in my book.
If you’re into trading forex, you’ll find. Spreads on major pairs like EUR/USD start from just 0.8 pips. Plus, there are no separate commissions since the fees are baked into the spread. It keeps things simple and transparent.
Does XTB charge Withdrawal fees?
With XTB withdrawals over £50 are free, which is great if you are trader who moves money in and out frequently. However you should keep in mind that if you’re withdrawing less than £50, there’s a £5 fee.
Who should trade with XTB?
This platform is a great fit for traders who want low fees and solid trading tools all in one place.
If you’re just starting out, their educational content makes the learning curve a lot smoother. If you’re more experienced, the xStation 5 platform gives you advanced features that make analysis and execution seamless. The commission-free trading is especially appealing if you’re managing a smaller portfolio or trading regularly.
That said, if you’re a long-term investor looking for a Self-Invested Personal Pension (SIPP), XTB might fall short.
What Are the Fees Like on XTB?
The xStation 5 platform is where XTB shines for me. It has advanced charting tools, live market sentiment, risk management features, and even an integrated stock screener. I also like the real-time news and economic calendar—I find them especially useful for staying on top of market-moving events.
Another handy feature is their post-trade analysis tool. It breaks down your trading performance so you can spot patterns and improve your strategy over time. You’ve also got access to standard order types—market, limit, stop—giving you flexibility with how and when you enter or exit trades.
Can You Trade with Leverage?
Yes, and I’ve found XTB’s leverage offerings pretty competitive. For forex, retail traders can access leverage up to 30:1, depending on your region’s regulations. It’s a useful tool if you know how to manage risk, but be careful—leverage can boost your profits, but it can also magnify your losses just as fast.
Are my funds safe with XTB?
Security is a big deal for me, and it’s one of the reasons I trust XTB. They are closely monitored by the FCA in the UK, which means they have agreed to follow a strict set of rules designed to keep your money and data safe.
All transactions are protected with SSL encryption, and client funds are held in segregated accounts. Plus, if something ever went seriously wrong, UK clients are covered by the Financial Services Compensation Scheme (FSCS), which protects up to £85,000. That kind of peace of mind goes a long way when you’re trading online.
Does XTB Offer Any Educational Tools and Resources?
Absolutely—and this is one of the things I like most about XTB. They offer a solid lineup of educational content that’s actually useful, whether you’re just starting out or already have some experience.
I began with their “Trading Basics” course, which helped me get a handle on the fundamentals. Then I moved on to their more advanced stuff, like the “Trading Masterclass” and expert-led webinars on risk management and technical analysis.
They’re constantly updating the material too, with fresh insights and market analysis, so it’s easy to stay informed and keep learning.
Final Thoughts on XTB
After using XTB extensively, I’d say it’s one of the better all-round platforms out there. The low fees, commission-free trading, stocks and shares ISA and the clean, powerful platform tick all the right boxes for me. It’s also packed with a bunch of helpful educational tools, which makes it especially beginner-friendly.
That said, the lack SIPP accounts is a bit of a letdown if you’re a UK investor focused on tax efficiency. But overall, XTB delivers on security, cost-effectiveness, and unique trading features, making it a great choice for both new and seasoned traders alike.
Featured Broker
- Easy Account Set Up
- Interest On Univested Funds
- Educational Tools
- Easy To Use Platform
73% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.
FAQs
Can I use XTB’s app trading?
Yes,XTB’s app is smooth and user-friendly. It’s packed with key features which makes it perfect for trading on the go.
Is the xStation 5 platform any good?
Absolutely. xStation 5 is one of the better platforms I’ve used. It’s intuitive enough for beginners but still offers depth. It’s fast, reliable, and genuinely feels like a professional-grade tool.
Is XTB good for forex trading?
Yes, XTB is a solid pick for forex. You get tight spreads starting from 0.8 pips and access to a wide range of currency pairs, plus leverage up to 30:1 if you’re a retail trader. I also appreciate their educational content—it’s especially helpful for building out a solid forex strategy.
Is XTB regulated in the UK?
Yes, XTB is fully supervised and monitored by the FCA, which is one of the most respected financial regulators globally.
Is XTB a good broker overall?
I’d say so. Between the low costs, powerful tools, and great education, it’s hard to go wrong—especially if you’re focused on active trading.
What’s the minimum deposit at XTB?
There isn’t one! That’s a big win for beginners or anyone who wants to start small. You can fund your account with whatever amount you’re comfortable with.
Is XTB good for beginners?
Definitely. The platform is easy to use, the demo account is super helpful, and the educational resources are some of the best I’ve come across. If you’re new to trading, XTB is a great place to start.
References
- XTB Official Website – XTB – Investing, Savings, Trading | XTB
- Financial Conduct Authority (FCA) Register – Find XTB on the FCA Register
- Warsaw Stock Exchange (WSE) – Główny Rynek GPW – Główny Rynek
- Trustpilot – XTB User Reviews
- XTB Demo Account – Open free demo account CFDs in Forex
- XTB Learning Resources – Knowledge Base
