XTB

XTB is one of the largest and most trusted stock-exchange-listed forex and CFD brokers in the world, best known for its award-winning xStation 5 platform, commission-free real stock investing, and no minimum deposit. Publicly listed and regulated by top-tier authorities, XTB is a favourite among European and international traders who want a modern, all-in-one platform. In this review, Finance-Solutes.com takes a close look at who XTB is, how safe and regulated it is, the accounts, platforms, and products it offers, and how you can open an account to start trading.

What is XTB?

XTB (formerly X-Trade Brokers) is a forex and CFD broker founded in 2002 and headquartered in Warsaw, Poland, giving it more than 20 years of history. XTB is publicly listed on the Warsaw Stock Exchange (WSE: XTB) and has grown into one of the largest European retail brokers, serving over 1 million clients across 13+ countries.

XTB offers access to 5,000+ instruments, covering 57 forex pairs, stock CFDs, indices, commodities, ETFs, and cryptocurrencies — plus real stocks and ETFs for EU clients. It is best known for its exceptional proprietary platform, xStation 5, and for offering 0% commission on real stocks (up to €100,000 in monthly turnover for EU clients).

Cashback XTB via Finance Solutes

When you open your XTB account through Finance-Solutes.com (Partner Code: Solutes), you can benefit from our exclusive cashback program — helping you reduce your effective trading costs on every eligible trade.

For full cashback details and current rates, contact our support team via WhatsApp: +84 77 9050 998.

How to Open an XTB Account

Step 1: Open your account through our partner link:
👉 Register with Finance Solutes

Step 2: Complete the registration form with your personal details and choose your preferred account type.

Step 3: Verify your account (KYC) by uploading your ID documents.

Step 4: Deposit funds (no minimum deposit) via card, bank transfer, or PayPal.

Step 5: Message us on WhatsApp (+84 77 9050 998) to confirm your account is linked to Finance Solutes and to activate your cashback.

Is XTB Safe and Legitimate?

Yes. XTB is one of the safest brokers available, offering the highest level of institutional transparency in the retail sector as a publicly listed company. Its regulated entities are overseen by top-tier authorities including:

• KNF — Polish Financial Supervision Authority
• FCA — Financial Conduct Authority (UK)
• CySEC — Cyprus Securities and Exchange Commission
• DFSA — Dubai, FSCA — South Africa, and IFSC — Belize

Key trust factors include:

• Publicly listed on the Warsaw Stock Exchange (WSE: XTB) — audited financials and full transparency
• Client funds held in segregated accounts, with investor protection up to €20,000 (ICF) or £85,000 (FSCS) for UK clients
• Negative balance protection — you cannot lose more than you deposit
• Over 20 years of history and 1 million+ clients
• Regularly recognised as Best in Class for platform and beginners by ForexBrokers.com

Trading Platforms

XTB is built around its award-winning proprietary platform:

• xStation 5 — a modern, intuitive web and desktop platform with advanced charting, heatmaps, market sentiment indicators, a stock screener, and performance analytics.
• xStation Mobile — a full-featured mobile app for trading on the go.
• A single unified account for CFDs, real stocks, and ETFs — one app across all asset classes.
• Investment Plans for automated, long-term investing.
• Note: XTB no longer offers MetaTrader (MT4/MT5) to new clients — its focus is entirely on xStation.

Markets and Products

With XTB you can trade and invest across a wide range of asset classes:

• Forex — 57 currency pairs
• Real Stocks & ETFs — 3,000+ with 0% commission (up to €100k monthly turnover, EU clients)
• Stock & ETF CFDs
• Indices — major global stock indices
• Commodities — metals, energies, and more
• Cryptocurrencies — 50+ crypto CFDs

XTB Account Types

XTB keeps things simple, focusing on one main account for most traders:

Standard Account

• Commission-free spread-only pricing across all CFD instruments
• EUR/USD spreads from around 0.5–0.9 pips — below the industry average
• 0% commission on real stocks and ETFs (up to €100k monthly turnover, EU clients)
• No minimum deposit — start with any amount
• Full access to xStation 5 and 5,000+ instruments

Pro Account

• Ultra-tight spreads from 0.1 pips with market execution
• A commission of $3.50 per lot, per side on forex, indices, commodities, and crypto
• Available to eligible professional clients

Depending on your region, swap-free (Islamic) options may also be available, and a free demo account lets you practise on xStation before trading live. Leverage follows regulatory caps — up to 1:30 for EU/UK retail, and higher through international entities.

Why Trade with XTB?

• A publicly listed (Warsaw Stock Exchange) broker with top-tier regulation and full transparency
• The award-winning xStation 5 platform — widely rated one of the best in Europe
• 0% commission on real stocks and ETFs — invest and trade in one account
• No minimum deposit — one of the most accessible brokers available
• Competitive spreads (EUR/USD from 0.5 pips) with commission-free CFD pricing
• Accepts PayPal for deposits and withdrawals, with fast (often same-day) payouts
• Excellent education (200+ video lessons) and research tools

Things to Consider

• XTB does not offer MetaTrader (MT4/MT5) — only its proprietary xStation platform
• Cryptocurrencies are available as CFDs only (no direct crypto ownership)
• A 0.5% currency-conversion fee and an inactivity fee (about €10/month after 12 months) may apply
• Copy trading and algorithmic trading support is limited, and XTB does not accept US clients
• Trading CFDs and Forex always involves a risk of loss

Summary

XTB is a highly regulated, publicly listed broker with over 20 years of history, an award-winning proprietary platform, commission-free real stock investing, and no minimum deposit. Combined with the exclusive cashback program from Finance-Solutes.com, it’s an excellent choice for traders and investors who value transparency, a modern platform, and an all-in-one account. To get started or learn more, contact our support team via WhatsApp: +84 77 9050 998.

⚠️ Risk Warning: Trading CFDs and Forex involves a significant risk of loss and may not be suitable for all investors. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage — the majority of retail CFD accounts lose money. Please ensure you fully understand the risks involved and trade responsibly.