Company & background
Is XTB safe & regulated?
XTB is authorised and regulated by 4 authorities. Regulation determines what client-money protections apply to you, so it is the single most important factor when choosing a broker.
Fees & spreads
Leverage & margin
Markets & instruments
Trading platforms
Mobile app
Funding & withdrawals
Payment methods: ["Bank Transfer","Credit Card","PayPal","Skrill"].
The verdict on XTB
74% of retail CFD accounts lose money with this provider. Capital at risk.
XTB review — frequently asked questions
Is XTB regulated?
Yes. XTB is authorised and regulated by FCA, CySEC, KNF, BaFin. Regulation means client funds are held in segregated accounts and retail clients benefit from protections such as negative balance protection.
What is the minimum deposit at XTB?
The minimum deposit at XTB is $0. You can fund your account using ["Bank Transfer","Credit Card","PayPal","Skrill"].
How much leverage does XTB offer?
Retail clients at XTB can trade with leverage up to 30:1. Leverage magnifies both gains and losses, so use it with care.
What trading platforms does XTB support?
XTB offers xStation 5, Mobile Apps, MT4.
Is XTB safe for trading?
XTB is regulated by FCA and CySEC among others. However, regulation protects your funds, not your trades: 74% of retail investor accounts lose money trading CFDs with this provider.
James Whitfield
James came to trading from teaching, and it shows: he explains jargon instead of hiding behind it, and he judges a broker by how well it treats someone on day one. He walks through sign-up, funding and a first trade so newcomers know what to expect before they risk a cent.
How we test
Every TradeSpotter review is built from the same standardised data set: regulatory status verified against primary registers, fees and conditions taken from the broker's own published terms, and platform capabilities confirmed feature-by-feature. We do not accept payment to change a rating. Where we can't verify a figure, we leave it out rather than estimate it.
Reviewed by James Whitfield, Education Editor. Last updated 2026. This page is general information, not financial advice.