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XTB

79% of retail investor accounts lose money when trading CFDs with this provider.

Business XTB S.A.
Website address
Broker type MM (CFDs) / stocks & ETFs
Min deposit None (from 0 PLN)
Regulations KNF (Poland), FCA (UK), CySEC (Cyprus), DFSA (Dubai)
Discount -

Cumulative assessment

View ratings
8.7
Total average

8.7/10

Credibility ( 8.8 )
No withdrawal issues. No questionable practices.
Customer service ( 8.5 )
Contacting support. Deposit/withdrawal process. Reliability.
Offer ( 8.6 )
Spreads and commissions. Instrument availability.
Platform ( 8.7 )
Ease of use, quick execution, reliability.

Description

8.1/10ForexRev editorial rating
Safety & regulation (weight 30%)8.0
Costs (weight 35%)7.0
Products & platforms (weight 20%)8.5
Deposits & withdrawals (weight 15%)10.0
  • EUR/USD cost1.2 pips
  • RegulatorKNF
  • Min. deposit0 PLN

Regulatory fines in the last 3 years: 30 Mar 2026 KNF — 20 000 000 zł

Checked 3 Nov 2026 · How we rate

XTB Review 2026: Fees, Safety, 0% Stocks and the KNF Fine

XTB is a Polish investment firm listed on the Warsaw Stock Exchange. It has been operating since 2004 and has held a brokerage licence in Poland since 2005. It offers real stocks and ETFs (including fractional shares), CFDs on forex, indices, commodities and crypto, investment plans and interest on uninvested cash — all on its own xStation platform. XTB says more than 2.9 million investors use it.

In short: XTB suits investors who want commission-free stocks and ETFs (up to €100,000 of monthly turnover), free withdrawals and a modern mobile app from a regulated, publicly listed broker. The drawbacks: a 0.5% currency conversion fee, a fee of up to €10 a month after a year without trading, no MetaTrader, and a final 2026 fine from Poland’s regulator KNF for client-protection failings in 2022–2023. We checked all figures against XTB’s documents and KNF announcements on 25 October 2026.

XTB at a glance Checked 25 Oct 2026
Company for EU clients XTB S.A., Warsaw — supervised by the Polish Financial Supervision Authority (KNF); listed on the Warsaw Stock Exchange
Company for UK clients XTB Limited — FCA FRN 522157
CFD risk warning XTB S.A.: 79% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited, UK: 74%)
Investor compensation (XTB S.A.) Polish scheme run by KDPW: 100% up to €3,000 and 90% above, up to €20,100 per client
Stocks and ETFs 0% commission up to €100,000 monthly turnover, then 0.2% (min. €10); trades from 10 PLN
Currency conversion 0.5%
CFDs no commission (cost in the spread); leverage up to 1:30 for retail clients
Minimum deposit none
Withdrawals free
Inactivity fee up to €10/month — only after 365 days without trading and 90 days without a deposit
Instruments 12,700+ (stocks, ETFs, CFDs on forex, indices, commodities, crypto)
Platform xStation (web, mobile, desktop); no MT4/MT5

1. Is XTB safe? Regulation and investor protection

Yes. XTB S.A., based in Warsaw, carries out brokerage activities under a licence granted by the Polish Securities and Exchange Commission and is supervised by the Polish Financial Supervision Authority (KNF). It serves clients across the EU, in some countries through local branches — for example, the French branch is supervised by the AMF. As a listed company, XTB publishes regular financial reports.

  • Investor compensation: clients of XTB S.A. are covered by the Polish compensation scheme operated by KDPW — 100% of funds up to €3,000 and 90% of the excess, up to a maximum payout of €20,100 per client if the firm fails.
  • Negative balance protection on CFDs for retail clients.
  • Other group companies: according to XTB, the group holds licences from the KNF (Poland), FCA (UK — XTB Limited, FRN 522157), CySEC (Cyprus) and DFSA (Dubai). Check which company your account is with, as protections differ.
  • Two-factor authentication for logging in.
Open an account with XTB

79% of retail investor accounts lose money when trading CFDs with this provider.

2. The 2026 KNF fine — what happened

On 30 March 2026 the KNF imposed a fine of PLN 20,000,000 on XTB S.A. XTB asked for the case to be reconsidered, but on 28 August 2026 the KNF issued a final decision upholding the fine. According to the KNF, it relates to the period from 1 January 2022 to August–September 2023 and covers:

  1. failing to properly assess whether clients had the knowledge and experience to understand the risks of services and instruments;
  2. failing to define target markets appropriately for the nature and complexity of instruments;
  3. failing to properly identify conflicts of interest linked to the “HOT” list shown to clients;
  4. giving clients inaccurate and misleading information about instruments and the risks of CFDs.

The fine concerns how clients were assessed and informed, not how their money is held. Sources: KNF announcements “Nałożenie kary pieniężnej na XTB SA” and “Ostateczna decyzja ws. XTB SA” (in Polish).

3. XTB fees and commissions

Fee XTB S.A. (fee table from 27 Oct 2026)
Account opening and maintenance free for active clients
Stocks and ETFs (incl. fractional) 0% up to €100,000 monthly turnover; above that 0.2%, min. €10
Currency conversion on trades 0.5%
CFDs (forex, indices, commodities, crypto) no commission; spread + overnight swap
Withdrawals free
Deposits by bank transfer, card, PayPal free (cards and PayPal free from 27 Oct 2026)
Inactivity up to €10 per month (conditions below)
Local taxes e.g. French FTT 0.4%, UK stamp duty 0.5% on purchases

When is the inactivity fee charged? Up to €10 a month, only if you have not opened or closed any position for 365 days and have not deposited money for 90 days. It is not charged while you hold an open position, if there are no free funds, or on Polish retirement accounts (IKE/IKZE).

4. Stocks, ETFs, fractional shares and CFDs

  • Real stocks and ETFs from European and US exchanges, also as fractional shares (minimum trade value 10 PLN or the equivalent).
  • CFDs on currencies, indices (e.g. S&P 500, DAX), commodities and cryptocurrencies, with leverage up to 1:30 for retail clients; minimum trade 0.01 lot.
  • Investment plans for automatic, regular investing in stock and ETF portfolios, and interest on uninvested cash (the rate depends on currency and conditions).
  • In total XTB lists more than 12,700 instruments.

5. xStation platform and app

XTB uses its own platform, xStation, in the browser, on desktop and as a mobile app, with charts, market news, an economic calendar and webinars on business days. XTB does not offer MetaTrader 4 or 5 — if you rely on MT4/MT5 Expert Advisors, choose another broker.

6. Deposits and withdrawals

  • Deposits: bank transfer, cards and online payment methods (availability depends on country); no minimum deposit.
  • Withdrawals: free, any amount, only to a bank account in your name added in the client office. EUR and USD withdrawals take up to 3 business days.

7. Pros, cons and verdict

✅ XTB pros

  • EU-regulated (KNF) and publicly listed; investor compensation up to €20,100.
  • 0% commission on stocks and ETFs up to €100,000 a month; fractional shares.
  • Free withdrawals, no minimum deposit.
  • Investment plans and interest on cash.
  • Well-designed xStation platform and mobile app.

❌ XTB cons

  • Final KNF fine of PLN 20 million (2026) for client-protection failings in 2022–2023.
  • 0.5% conversion fee on trades in another currency.
  • Up to €10 a month after a year without trading.
  • No MetaTrader.
  • 79% of retail CFD accounts lose money.

ForexRev verdict

XTB is one of the most complete low-cost brokers in Europe for stocks and ETFs, with a strong app, free withdrawals and EU regulation. The 2026 KNF fine is a reminder to treat CFDs and promoted “hot” instruments with caution, but it does not concern the safekeeping of client money. For long-term investing XTB is a very good choice; for MT4/MT5 automated trading it is not.

Open an account with XTB

79% of retail investor accounts lose money when trading CFDs with this provider.

8. Alternatives to XTB

  • DEGIRO — low-cost stocks and ETFs on many exchanges.
  • Tickmill — forex and CFDs on MT4/MT5 with raw spreads from 0.0 pips.
  • EXANTE — for larger portfolios: 50+ exchanges, futures and options.

Compare more in our forex broker ranking and ETF broker ranking.

9. How to open a XTB account — step by step

  1. Register on the XTB website — EU clients should be served by an EU company: XTB S.A., Warsaw — supervised by the Polish Financial Supervision Authority (KNF). Check the company name in your client agreement before depositing.
  2. Enter your personal details and complete the questionnaire. Before offering CFDs, an EU broker must assess your knowledge and experience (the MiFID II appropriateness test) and warn you if CFDs are not appropriate.
  3. Verify your identity with a passport or ID card and a proof of address (e.g. a utility bill or bank statement), as required by anti-money-laundering rules.
  4. Choose the account type and base currency. An account in the currency you deposit in saves conversion costs.
  5. Fund the account — minimum deposit according to the broker: none. Deposits are accepted only from accounts or cards in your own name.
  6. Install the platform (xStation (web, mobile, desktop)) or log in via your browser. Practise on a demo account first, if the broker offers one.

10. What trading with XTB really costs

Below are the costs from the summary table above — taken from XTB’s website and documents when we updated this review:

  • Stocks and ETFs: 0% commission up to €100,000 monthly turnover, then 0.2% (min. €10); trades from 10 PLN
  • CFDs: no commission (cost in the spread); leverage up to 1:30 for retail clients
  • Withdrawals: free

How to work it out: on EUR/USD one pip on a 1-lot position (€100,000) is worth about $10, so a 1-pip spread costs about $10 when you open the trade. A commission quoted “per lot per side” is charged twice — on opening and on closing. Add overnight swaps for every night the position stays open and any currency conversion if your account currency differs from the instrument’s. On 0.1 lot all these amounts are ten times smaller.

Inactivity fee: up to €10/month — only after 365 days without trading and 90 days without a deposit. If you plan a long break from trading, withdraw your funds or close the account so the fee does not eat into your balance.

11. Withdrawing money from XTB — how it works

You request a withdrawal in the client area. Under anti-money-laundering rules, funds usually go back via the method used to deposit (e.g. to the card up to the amount deposited by card) and only to an account or card in your own name. The first withdrawal may require full account verification, so upload your documents right after registering. Only free funds that are not used as margin can be withdrawn.

12. XTB compared with other brokers

For comparison, here is XTB next to other brokers whose reviews we updated in October 2026. Figures come from their summary tables — see the full reviews for details.

Broker Company / regulator Minimum deposit Inactivity fee
XTB XTB S.A., Warsaw none up to €10/month — only after 365 days without trading and 90 days without a…
Pepperstone Pepperstone EU Limited (Cyprus) €10 (cards, Apple Pay, Google Pay, PayPal) none
Admirals Admirals Europe Ltd (Limassol, Cyprus) Trade and Zero: €100 / $100 €10 per month after 24 months without trading (positive balances only)
FOREX.com StoneX Europe Ltd (Nicosia, Cyprus) 100 units of the account currency €15 per month after 12 months without trades or open positions
Dukascopy Dukascopy Europe IBS AS (Riga, Latvia) $100 up to €50 per 180 days without trading (after the first 180 days)

13. Leverage and client protection in the EU (ESMA)

As an EU investment firm, XTB applies the restrictions introduced by ESMA and adopted permanently by national regulators to retail clients:

  • leverage up to 1:30 on major currency pairs, 1:20 on other pairs, gold and major indices, 1:10 on other commodities and indices, 1:5 on shares and 1:2 on crypto;
  • margin close-out at 50% of required margin;
  • negative balance protection — retail clients cannot lose more than they deposited;
  • a ban on bonuses and trading incentives for retail CFD clients;
  • a mandatory risk warning with the share of losing retail accounts — for XTB: XTB S.A.: 79% of retail investor accounts lose money when trading CFDs with this provider (XTB Limited, UK: 74%).

Higher leverage is only available to professional clients who meet the MiFID II criteria — at the cost of some protections, including negative balance protection.

14. Tax on profits from XTB

XTB is a Polish entity and issues a PIT-8C tax statement by the end of February; Polish residents report profits in the PIT-38 return (19% tax). Residents of other countries should follow their local rules.

15. Glossary: terms to know before opening a XTB account

  • Spread — the difference between the buy and sell price, paid on every trade.
  • Pip — the smallest typical price move of a currency pair (0.0001 for EUR/USD).
  • Lot — the standard position size: 1 forex lot is 100,000 units of the base currency; 0.01 lot (micro lot) is 1,000.
  • Commission — a fixed fee per trade, usually on raw-spread (ECN/Raw) accounts.
  • Swap — the daily cost or credit for holding a position overnight, based on the interest-rate differential.
  • Margin — the part of the position value set aside as collateral; at 1:30 leverage about 3.33% of the position.
  • Margin call and stop out — a warning and automatic closing of positions when equity falls relative to required margin.
  • Slippage — execution at a different price than requested, common around news releases and price gaps.

16. FAQ – Frequently Asked Questions

Is XTB safe and regulated?
Yes. XTB S.A. is supervised by the Polish regulator KNF and listed on the Warsaw Stock Exchange; UK clients are served by XTB Limited (FCA FRN 522157). Client money at XTB S.A. is covered by the Polish compensation scheme up to €20,100, and CFDs carry negative balance protection.
Why was XTB fined by the KNF?
The KNF fined XTB PLN 20 million (decision of 30 March 2026, upheld by a final decision on 28 August 2026) for, among other things, inadequate assessment of clients’ knowledge and experience, poorly defined target markets, conflicts of interest around the “HOT” list and misleading information about CFD risks in 2022–2023.
Is XTB really commission-free?
For stocks and ETFs, yes — up to €100,000 of turnover per month; above that XTB charges 0.2% (minimum €10). A 0.5% conversion fee applies to trades in another currency, and CFD costs are in the spread.
Does XTB charge an inactivity fee?
Up to €10 a month, but only after 365 days without opening or closing a position and 90 days without a deposit. There is no fee while you hold an open position.
What is the minimum deposit at XTB?
There is no minimum deposit. The minimum value of a stock or ETF trade is 10 PLN (or the equivalent), so you can start with a small amount.
Does XTB offer MetaTrader?
No. XTB only offers its own xStation platform (web, desktop and mobile app).
How do I open a XTB account?
Register on the broker’s website, complete the questionnaire (MiFID II appropriateness test), verify your identity and address, choose the account type and currency, then fund the account — minimum deposit according to the broker: none. Practising on a demo account first is a good idea.
What leverage does XTB offer?
EU retail clients get ESMA limits: up to 1:30 on major currency pairs, 1:20 on other pairs, gold and major indices, 1:10 on other commodities and indices, 1:5 on shares and 1:2 on crypto.
Does XTB issue tax statements?
Yes — as a Polish entity it issues a PIT-8C for Polish residents by the end of February.

🛡️ How we checked this review

On 25 October 2026 we checked XTB S.A.’s fee and commission table of 20 October 2026 (effective 27 October 2026) and the previous one of 30 September 2026, XTB’s “Account and fees” page, company history and risk warnings on xtb.com, the UK entity details and the KNF announcements on the fine (13 April and 1 September 2026). Fees can change — check the current table before opening an account. Updated on 3 November 2026: the share of XTB S.A. retail accounts losing money on CFDs (79%) and the number of instruments (12,700+).


Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 79% of retail investor accounts lose money when trading CFDs with XTB S.A. (74% with XTB Limited, UK). You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. This review is for information only and is not investment advice or a recommendation.


Some links on this page may be affiliate links — if you open an account through such a link, ForexRev may receive a commission. This does not affect the content or rating of the review.

About the author

Albert Czajkowski — Founder of the portal, editor and the person responsible for its development. Associated with the Forex world since 2013, also as an individual trader.

Meet the ForexRev editorial team →

RevTeam

Parameters

Business XTB S.A.
Website address
Broker type MM (CFDs) / stocks & ETFs
Leverage 1:30 (EU retail client)
Min deposit None (from 0 PLN)
Negative balance protection Yes
Regulations KNF (Poland), FCA (UK), CySEC (Cyprus), DFSA (Dubai)
Platforms xStation 5, xStation Mobile
Payments Bank transfer, BLIK, Autopay, card, PayPal, PayU
EUR/USD Spread variable, no commission
Min lot 0.01
Country Poland
Year of establishment 2004
Number of instruments 12 600+
Discount -

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XTB - Opinions (124)

How we publish reviews. Reviews are submitted by ForexRev readers. Every review is manually verified by our editors before publication — we reject spam, advertising, content that breaks our rules and entries suspected of rating manipulation. We publish both positive and negative reviews; the rating does not affect whether a review is published.
8.5
Partial assessments
Credibility:8
Customer service:8
Platform:9
Offer:9

With XTB for a good 5 years now, despite various ups and downs, as for me the broker is constantly developing, super offer for stocks, on fx also goes to trade.

Plusses No plusses
Minors No minors
Posted on
9.3
Partial assessments
Credibility:8
Customer service:9
Platform:10
Offer:10

As for Forex it's average, a bit of a stench from the strange situations of recent years, but as for stocks, it's top for me. This lack of commissions allows for cool investing and reinvestment of dividends.

Plusses No plusses
Minors No minors
Posted on
1.0
Partial assessments
Credibility:1
Customer service:1
Platform:1
Offer:1

On June 12, 2024 at 2:30 pm there was a release of important data in the US and the site as well as the application stopped working. Coincidence? I do not think so it was already in the future exactly when there were publications of key data. XTB's business model is a bit like a casino if someone makes a good bet loses XTB and it was the perfect time because you could make a lot of money on EUR-USD as well as PLN-USD. I bet saw the confirmation and even the profits were accruing. I switched the list to see how other instruments looked and after a while everything stopped working. Around 3 pm that is, when the stock market calmed down and there was not so much movement the application started working but after logging in there was no more open position. I am reporting this to the FSA and the OCCP.
I think with this move they have shown that they are just a casino and not a decent broker!

Plusses No plusses
Minors
  • It works like a casino - only they profit
  • Not available at key moments
Posted on
9.3
Partial assessments
Credibility:9
Customer service:10
Platform:9
Offer:9

I used to trade FX with them, but as I don't trade I will comment on the stock offer. Well with me except for IKE it is the broker of first choice. Interest rates on free funds, no commissions for my trading. Overall great.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:10
Customer service:9
Platform:8
Offer:9

I just keep shares with them, due to the lack of commission on purchases, as for me the best offer. Too bad there is no IKE/IKZE. CFD also sometimes pochandl and everything laughs as it should.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I decided to write a comment because I appreciate how XTB has been developing lately. They were the first to introduce W8BEN, no commission on stock/etf purchases, recently investment plans, and now interest on free funds. Super! The platform is really cool and easy to get used to.

Plusses
  • Innovation
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

In my opinion, the broker trustworthy. I like the platform, it is simple and intuitive. Buying shares actually without commission, you can open an account in a currency and deposit currency directly, avoiding currency conversion costs. I recommend

Plusses
  • Platform
  • No commission for purchasing shares
  • W8-Ben
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I must admit that I am impressed. That's why I decided to write this comment. Recently, the XTB platform did not work for a while, so I wrote to support that I could not sell the instrument and got a reply that they will acknowledge the complaint and I can sell it at the best possible price from that moment. A very pleasant surprise. So far I have not had any problems, while now I know that if anything happens, you can count on support. I recommend :)

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Very good application. I have not used a better one so far. Lots of instruments and good support. recommend.

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:10

There are no problems here. You can confidently enjoy yourself

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:9

Cool, intuitive platform - worth starting with a demo account. Large selection of instruments plus no commissions. For me, there is currently no better broker on the Polish market.

Plusses
  • reliable polish broker
  • intuitive platform
  • large selection of instruments
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

A decent broker. I have been using for some time and everything works as expected. Of course, the lack of commissions is unrivaled on the Polish market. Plus very good support. Nice platform and app. You can see that the company is growing, which makes me very happy and I keep my fingers crossed for XTB on other markets.

Plusses
  • Polish broker regulated by KNF
  • Good platform and app for your phone
  • No commission
Minors No minors
Posted on
9.3
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:8

I am satisfied with XTB. It is a Polish broker, regulated by the KNF (somehow I don't trust regulators from Cyprus, and most brokers are under them). The platform is clear, intuitive, I had no problem with switching. Quite a large selection of instruments. Analysis and market alerts. And, of course, no commission on the purchase of shares.etfow. What currently distinguishes xtb from other Polish brokerages is the w8ben form, thanks to which you can invest in dividend companies from the USA. I recommend :)

Plusses
  • No commission for buying shares/etf
  • Polish broker
  • Form w8ben!!!
Minors
  • availability of some instruments
Posted on
8.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:5

In my opinion, XTB broker is trustworthy. It has a good platform, currently the most optimal offer on the market. In addition, for me it is important that it is a Polish broker, it has support in Polish and an office in Poland. Plus that they send a receipt.

Plusses
  • Polish broker
  • Platform
  • Offer
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:10

I recommend for currently the best offer on the market!

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:10
Customer service:8
Platform:10
Offer:8

XTB was followed for a long time by a negative reputation after shares from TJS. I opened an account in November 2020 and still had doubts at the time, but I was tempted by the lack of commission for purchasing shares. Since then, I've basically only been using XTB ever since. I do not know why I waited so long to open an account with them, in comparison with mbank they win across the board. It has not yet happened to me that xstation has let me down. I think that XTB is a good Polish broker and there is nothing to be afraid of :)

Plusses No plusses
Minors No minors
Posted on
8.8
Partial assessments
Credibility:10
Customer service:8
Platform:8
Offer:9

Good broker. Nice platform, no commission for buying shares, a lot of educational material. On top of that, it's a Polish broker, so they send pita at the end of the year. I don't think I need anything more at this point.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

XTB has changed a lot in the last 2 years. The changes are certainly for the better. Good app, good offer - the biggest pluses. I'm just waiting for the w8ben form and I won't return to the old brokerage house for anything.

Plusses
  • share offering
  • Platform and app
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:10

I thought for a long time before opening an account with XTB. A lot of different conflicting information can be read on the net. However, I gave it a try due to the lack of commissions. I quickly switched to their platform, by the way quite nice and intuitive. I have been using it for a total of six months now and I find that there was nothing to be afraid of :) full professionalism. I recommend

Plusses
  • Platform
  • No commission
  • Polish broker
Minors
  • No IKE
Posted on
9.3
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:10

I am satisfied with xtb, even very much. Nice platform, I quickly got used to it. They have a good offer. Plus for me the biggest plus is that you don't have to file taxes, because they send a tax return at the end of the year. It's nice that it's a Polish broker. Somehow it gives me a sense of security through the control of the KNF.

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:10

Recommended. Good broker. Lots of educational materials, webinars, market news for clients. Extensive platform, quite intuitive. Plus, of course, stock offerings.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:8
Customer service:8
Platform:10
Offer:10

Really cool platform

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:9
Customer service:9
Platform:10
Offer:10

Let me start by saying that I shied away from the decision to change brokers for a long time. Now I regret a little, because I lost a lot of money on commissions at other brokers ;) to the point, xtb works really well, I can even say that it is less unreliable than the previous one (ING). Cool platform, market news, customer training, webinars, everything to the plus :)

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:8
Platform:9
Offer:10

I have no major reservations about XTB. They have an intuitive platform, 0% commission stock offer, lots of educational materials, market news and conferences for their clients. There is no problem with pita settlement.

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:9
Customer service:10
Platform:10
Offer:9

A good Polish broker. They have overall the best offer on the market. It's a shame not to take advantage of the offer on stocks and etf without commission.

Plusses
  • Polish broker
  • 0% commission offer
  • Send out pita
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

Likes XTB. Polish broker, regulated by the KNF. They have a good offer. A nice educational base.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

It looks like the 0% commission stock promotion, is now a permanent offer. Cool, I take advantage of it, I recommend it. The platform works flawlessly.

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:9
Customer service:9
Platform:10
Offer:10

Xtb has for a year now 0% commission when buying shares/etf up to EUR 100tys of monthly turnover. I think there is no better offer and it's a shame not to take advantage of it. On top of that it's a stable platform, broker regulated by the KNF, they send a receipt and you don't have to worry about settlement.

Plusses
  • 0% commission on purchase of shares/etf
  • stable platform
  • Polish broker regulated by the KNF
Minors No minors
Posted on
8.3
Partial assessments
Credibility:9
Customer service:7
Platform:8
Offer:9

As an XTB user and their investor, I highly recommend them. You can see that they have more and more clients and are growing :)

Plusses No plusses
Minors No minors
Posted on
9.3
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:10

Good platform, favorable offer. Everything works very smoothly. I recommend

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:9

I recommend, fixed commission offer 0% pays off, plus a good platform, a lot of educational material

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I am satisfied with using the xstation platform. Somehow it suits me best, and I've already converted pko broker and ING. They have the best offer currently, so all the more reason to test it.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

Cool offer to buy shares without commission for monthly trading up to EUR 100k. A big plus. Plus an intuitive platform. Polish broker, regulated by the KNF, so you can rest easy.

Plusses No plusses
Minors No minors
Posted on
9.0
Partial assessments
Credibility:8
Customer service:9
Platform:9
Offer:10

All in all, there is no better offer on the market currently. 0% commission, on top of that a good platform, Polish broker, they send PIT, no problem with settlement.

Plusses No plusses
Minors No minors
Posted on
8.5
Partial assessments
Credibility:8
Customer service:8
Platform:9
Offer:9

Cool platform. Polish broker. They send pita. For me, three pluses.

Plusses No plusses
Minors No minors
Posted on
9.3
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:10

Positive surprise. The platform really in order. Offer the best on the market at the moment. Polish broker regulated by KNF, they send PIT. I am curious to see how they will develop further.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

At first I had concerns, as the platform seemed very complex for a beginner investor, but with time I embraced everything and I am very satisfied. XTB offers a lot of instruments, so there is something for everyone. Very nice telephone support, they will answer and advise in any situation. They also have a lot of useful educational materials on their website. The application on the phone is clear and works smoothly, unlike previous brokerage firms I have used, and crashes were relatively frequent. So I can recommend XTB with a clear conscience.

Plusses
  • Large selection of instruments
  • Very good contact and support by phone / email
  • Transparent, reliable mobile app
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

I use and everything is ok and even great

Plusses
  • Offer
  • mobile platform
  • polish broker
Minors No minors
Posted on
9.3
Partial assessments
Credibility:9
Customer service:9
Platform:10
Offer:9

I am surprised at the opinion below about the crypto picture. These are CFD instruments with leverage, if you don't like it, don't use it, if you want it, invest in crypto on a cryptocurrency exchange, not play with a broker. For me xtb is the best platform, acctually does not invest in crypto, but on other instruments everything works as expected.

Plusses
  • Platform
  • Polish support
Minors No minors
Posted on
8.8
Partial assessments
Credibility:8
Customer service:8
Platform:9
Offer:10

I've been using for a while now and I'm satisfied. They have a good offer and a nice platform.

Plusses
  • Platform
  • Stock offering
  • Educational base
Minors No minors
Posted on
9.3
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:8

I have had a positive experience with XTB. A world-class broker. I am rooting for their development, and I myself support Polish business. Zero problems so far.

Plusses
  • Polish company
  • Good platform
Minors No minors
Posted on
8.5
Partial assessments
Credibility:9
Customer service:8
Platform:9
Offer:8

For a long time I was wondering which broker to choose. I used to use a foreign broker, but, however, in XTB I have support in Polish, on top of that I receive PIT and have no problem with accounting. Good offer and intuitive platform.

Plusses No plusses
Minors No minors
Posted on
2.0
Partial assessments
Credibility:1
Customer service:5
Platform:1
Offer:1

I was very disappointed with the broker,

Interface very clear, plus definitely for the vastness of educational materials, on the plus side also customer service - quite fast

But what XTB has done recently is already a blow below the belt,

In the previous week many minor cryptos scored a huge increase, eth classic - 60%. So what does XTB do? in the middle of the night removes the most profitable ( usually also the cheapest) crypto - practically 80% of crypto was completely removed from the portal!!!! explaining it.... too much volatility hahaha...
So what, if gold goes up 10% will you also remove because too much volatility?

Today's another example - EOS is up 40% in just 24 hours - what does XTB do? Yes, you guessed it! removes the possibility of further investment( for clarity - previously opened positions, of course, remain open further - to be closed whenever you want)

In other words, the message is: sorry guys, you made too much money, we remove,

At the moment practically the only cryptos you can invest in are BTC and ETH.... That is, if you have PLN 50k upwards, you are welcome and if less, sorry, not here,

Baaavery crafty move , as for me on a par with fraud,

I am looking for another broker and this one I strongly advise against!!!( for those who want to invest in crypto - as for the rest, as I have not tested - I do not relate)

Plusses
  • customer service
  • interface
  • educational materials
Minors
  • canny politics
Posted on
8.8
Partial assessments
Credibility:9
Customer service:8
Platform:10
Offer:8

Polish broker regulated by the KNF. Plus an intuitive platform, lots of educational training. Shares with 0% commission. I am satisfied.

Plusses
  • Regulated Polish broker
  • Shares 0% commission
  • Education
Minors No minors
Posted on
9.5
Partial assessments
Credibility:9
Customer service:9
Platform:10
Offer:10

A solid broker, I like their platform very much. I have never had any problems with them. I feel safer when I use a Polish broker.

Plusses
  • Intuitive platform
  • Polish broker
  • Equity commission
Minors
  • Availability of certain instruments
Posted on
9.5
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:10

After the strange scams from which I unfortunately started my play with forex, I finally decided on XTB, mainly due to the fact that they are heavily regulated well and they are based in our country. So far everything is working well, but I'm just starting real trading. Keep your fingers crossed!

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

I recommend! I have been trading for 3 years and no strange stories. I also like to keep my cash with a broker, which office I can find near me.... if anything I will go to them ;D

Plusses No plusses
Minors No minors
Posted on
3.0
Partial assessments
Credibility:2
Customer service:1
Platform:6
Offer:3

The platform itself and the availability of the instrument ok, but so much for the positives. The thing that annoyed me the most and I gave up on this broker was the absolutely outrageous fees for rolling contracts. On their FAQ it is clearly written that the mere rolling of contracts does not affect the profit from the transaction (with an exclamation mark !), and meanwhile I lost several percent of the contract value at once. Assuming that the rollover is every 2 months (in the case of commodities), I don't know how the chart would have to go my way to come out on the plus side. What's more, during this rollover the gap went up and I had a long, that is, according to their FAQ I should have accrued on the profit side of the trade, but cut off in the swap, meanwhile they did the opposite for me, that is, they cut off on the gap the difference on the profit side, and on the swap I have one big ZERO. I filed a complaint, but of course they don't give a damn and it's been hanging around for a second week. God save you from such a broker. Comparing to other foreign ones this XTB looks like a hole barn.

Plusses
  • Platform
Minors
  • High fees and spreads
  • Complete pouncing on the customer
  • Rollover fees are some kind of scandal !
Posted on
4.0
Partial assessments
Credibility:8
Customer service:3
Platform:3
Offer:2

disappointment. First of all, the lack of transparency about commissions. Apparently 0.2%, but if the order is split into several smaller transactions, then the mess begins and the 0.2% rate becomes blurred, because the minimum transaction fees exceeding 0.2% are charged. I filed two complaints, both rejected, the justification so confusing and anchored in the regulations that I let it go. When it comes to buying anything in currency, such as foreign stocks, spraed is heavily disadvantageous. It can kill all the profit. It is impossible to set a stoplos with a guaranteed selling price. This means that if you lose your stop loss, e.g. in the case of a flush crash, you are giving back the stock far below the price you assumed at the stop loss. That's a bummer. So be careful, because you can lose a lot, and the low commission is attractive, but you have to be very careful.

Plusses
  • No commission on turnover up to 100 thousand EIR
  • attractive graphical presentation of shares - bar charts
  • Quick phone contact with customer service
Minors
  • Lack of transparency in the calculation of commissions
  • High spread for buying in foreign currencies
  • platform not very intuitive, a lot of errors, no fresh news
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

A reliable broker. Safe and easy to use platform. Large selection of stocks not only from Poland, but also from the world. Quick contact with service and, above all, no commission on stocks up to 100k Euro.

Plusses
  • The trading platform is easy to use
  • Customer service office
  • Speed of execution of orders
Minors No minors
Posted on
4.5
Partial assessments
Credibility:3
Customer service:2
Platform:5
Offer:8

I opened an account a month ago, not for Forex or speculation, but for long-term ETFs ("for retirement"), tempted by the zero commission. Well, and it was a so-called misleading mistake.
I buy with zloty, but ETFs in currency (and let the brokerage house convert for itself). At BOS I supposedly pay 0.29% commission (as an SII member) plus a currency conversion of "about 2 cents per euro". At XTB, zero commission and 0.50% currency conversion (which is also about 2 cents). I'm thinking "I'll swap BOŚ for XTB, I'll save on commission though, in the long term it's important".
I bought the same ETF (VWCE.DE) on the same day, for the same price in euros (unit 83.81 euros, "purchase with price limit"), the same number of units, and here and here "purchase for 10 thousand zlotys". A perfect comparison.
The result? A hundred zlotys more (!) came off my account from XTB than from BOŚ. Conversion rates were similar, even XTB a little better. On their written confirmation of the transaction (encrypted PDF to email) everything agrees (better 'price' than on BOŚ), but the cash account is missing after this transaction more than 96 zlotys (making BOŚ definitely cheaper in reality).
They still have not responded to the complaint (20 days have passed).
I withdraw the rest of the cash, sell the ETF, and close the account.
I wish I had looked here earlier.

Plusses
  • sizable selection of ETFs
  • no commission
Minors
  • long complaint processing time
  • bad currency conversion
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Excellent tool Xstation - for me XTB is the best broker and I also used the services of 4 other entities. Reliability, quality -10/10 points!

Plusses
  • tools (Xstation)
  • communication with caregivers
  • optimal security
Minors
  • No shares of NC companies
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

10/10, mega service and Xstation>MT4,MT5

Plusses
  • Commissions
  • Customer service
  • Platform
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:10

Super platform, great broker - I recommend!

Plusses No plusses
Minors No minors
Posted on
1.8
Partial assessments
Credibility:1
Customer service:3
Platform:2
Offer:1

I would never recommend them because profitable players are quickly destroyed. E.g. Kramarczyk! Now a lot of civil claims against XTB and even KNF penalties. If you want to make money and not play against a market maker broker (his profit is your loss and vice versa) then you need to look for other alternatives! I don't recommend...!!! Memories of using their services are eternal problems. Either spreads incredibly widening, or exclusively negative position closing slips (there was a KNF penalty for this), or unscheduled rollovers (even 2 times in 3 days for a total of -$14 price on oil!). I strongly advise against it! The conflict of interest and the way XTB acts towards profitable clients dictates to avoid them! Scandal ...

Plusses
  • wide range
Minors
  • market maker, cfd - conflict of interest
  • Slippages, giant spreads, unannounced rollovers
  • Punished by the KNF and numerous civil lawsuits against XTB
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Finally, someone has broken the archelogical patterns.

Plusses
  • Transparency
  • Speed
  • Low commissions
Minors
  • no vending machines
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Intuitive xstation platform, which I got acquainted with quite quickly. I have been trading with XTB since the beginning, and somehow I am heartened by the thought that the whole company is in Poland. They seem more reachable in case of problems.

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:9

Large offerings, including stocks in addition to forex, including from the US. Admittedly, the spreads could be better, but there has never been a problem with withdrawing cash. Regulated in the FSA, listed on the WSE, so you know where to look for funds ;)

Plusses No plusses
Minors No minors
Posted on
9.3
Partial assessments
Credibility:10
Customer service:9
Platform:8
Offer:10

Generally it is nice that a Polish broker and they have a large stock offer

Plusses
  • Platform
Minors
  • Malo etfow
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

The system has great potential... is really helpful for beginners as well as advanced users.

Plusses
  • demo
  • huge possibilities
Minors No minors
Posted on
1.5
Partial assessments
Credibility:1
Customer service:1
Platform:2
Offer:2

I advise against it! You want to play against the broker and give them your money - please do! Market maker is never a good partner of profitable clients!!! Spread widens from 3 to 39 pips on oil! The platform crashes at times of the highest volatility in the market. It happens that it logs you out and a few minutes you can not log in! Discouraged!!!!

Plusses No plusses
Minors
  • Spreads on WTI widen from 3 pips to 39 pips!
  • Conflict of interest, i.e. your loss = xtb's gain
  • Platform crashes at key market moments
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I recommend operating through XTB on forex - much greater potential and earning potential. Above all, very good conditions for action.

Plusses
  • reliability
  • high potential
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Reliable Polish broker with a good offer.
Very good contact with the staff.
The xStation5 platform with great support for Ichimoku.

Plusses
  • Customer service
  • Platform
  • Offer
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Great broker. One of the best on the market in terms of security as well as the trading platform itself. Clear and easy to use with a smartphone. They also have some of the lowest rates among brokers.

Plusses
  • platform
  • transaction security
  • price of broker's commission
Minors No minors
Posted on
3.3
Partial assessments
Credibility:5
Customer service:1
Platform:2
Offer:5

I set up an account only for buying stocks on the WSE, I am not interested in foreign stocks, commodities or contracts. I set up the account in April 2020.Setting up the account was a massacre, as the re-confirmation took a week. I had access to the platform but for a week I could only look at the quotes- requests to speed up the approval of the account- replies that they have a large number of new customers. Once everything was trusted, I made large transfers of several tens of thousands of zlotys. I waited almost two days for the approval of the transfer, where I finally write pissed in the chat whether the transfer has already arrived, the lady replies that she does not see anything yet, and at the same moment I have the transfer credited - I ask if it's a coincidence - she replies with a smiley ;-). Second large transfer, same situation, after a day and a half I ask myself if the transfer has arrived, again crediting it at the same time and pretending to be a fool that apparently it has not arrived yet. After that I already doubted, is this some kind of company in a garage or what, that I have to ask for everything and demand approvals and credits of transfers myself???? You release the transfer in the morning then in the same day after a few hours it is in the account, here I do not know how it works.... After buying the first shares and then selling, where the commission was supposed to be 0.2%, I suddenly calculate that it came out almost twice as much, because - the condition min PLN 10. and when you sell or buy shares and in the sheets are small orders, they do not count on your entire order 0.2%, but on what comes in after the order - when you sell, for example. If you sell, for example, 1,000 shares and someone places in the sheet such orders to buy these shares at 20 or 30 each, they do not count on it 0.2% but already PLN 10, because this is the minimum for them in terms of commission, so I, for example: should have paid about PLN 40 and paid about 80, because the small orders fell on the purchase side - massacre ... This prevailed that I withdrew all the money and opened an account in a normal bank brokerage. For me, XTB is some company that makes eggs, and it is not a normal company with some standards. Now I have normally posted transfers and the account agreement, signed and set up efficiently. I had access to the quotes as soon as I made the transfer, and the contract sent after a month. Time is of the essence in the stock market, and with the XTB team it was jokes and not "investing". Greetings

Plusses No plusses
Minors
  • requests for approval of anything
  • strange commission counting on orders
  • not for normal buying of shares on gpw
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Very nice platform, intuitive, easy to read. Nothing crashes, everything works as it should, low commissions big plus especially for the demo.

Plusses
  • clear
  • does not hang
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Super system, I recommend it especially to beginners who are just trying to invest their money. Customer service is also good, overall on the plus side.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Great broker, super contact with the staff, plus a lot of opportunities when it comes to investing. Decent offers for everyone. As for me a super deal :) Especially thanks to the demo in the system I am not afraid to invest.

Plusses
  • security
  • starter demo
  • quite a few offers to invest.
Minors No minors
Posted on
1.0
Partial assessments
Credibility:1
Customer service:1
Platform:1
Offer:1

Unfortunately, I had to close my account with this broker. Several important issues that determined this. The xstation platform crashes during dynamic price fluctuations by which I was either late in opening a position or closed too late or the order hung together with the platform. News and signals are uploaded too late sometimes even after several hours the market discounts the information much earlier making it of little value. Well, and rolling on oil from June contract to July contract without any information for clients. This example perfectly shows that the broker cares mainly about his own interest. Because many people have lost money through this type of treatment.

Plusses No plusses
Minors
  • Hovering xstation5 platform
  • Information posted with long delay
  • Changes in open positions, for example, through double rolls
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Some time ago I closed an account at XTB. Nevertheless, with time I have to admit that XTB is the best broker with whom I have invested, so I am back. Big plus for fast transfers and 24/5 support.

Plusses
  • xStation
  • 24/5 assistance
  • listed on the WSE
Minors No minors
Posted on
9.5
Partial assessments
Credibility:9
Customer service:10
Platform:10
Offer:9

I'm new to the market as I've only been trading for 5 months, but in that time I've used 3 brokers and XTB has probably performed the best so far.
Big plus for its very inuitive platform and helpful support.

Plusses
  • xStation
  • Support
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

I am very satisfied with the services of this broker.
Now that there is so much going on I have access and to the platform on the computer and a great mobile application.
Plus stocks, etfs, which are nicely discounted. Everything in one place.
For me great.

Plusses
  • platform
  • mobile app
  • wide range
Minors
  • none for me
Posted on
5.0
Partial assessments
Credibility:5
Customer service:5
Platform:5
Offer:5

I join Sandra's opinion regarding OIL.WTI. I miraculously avoided zeroing out and they transported me anyway. I believe that it was a manipulation of the course and the kits in the news they can press themselves .... In Court. The June series elsewhere continues to hula .... and XTB clients beautifully sharpened twice in a month on swaps. Now on some positions it is so at $ 37 I may come out at zero, although I do not really believe it because they will probably still trim a few times on the way with swaps. They didn't even want to talk about the complaint, because the terms and conditions, and there's nothing there that says I have to thumb my nose at their news or else I'll blow my cash. So, after a polite warning, I notified the FSA, let them check these regulations and what kind of a shaft they screwed up by regulations. In general, I had no major objections to them, but so what if they can take care of the customer with one "fat number".

Plusses No plusses
Minors No minors
Posted on
3.8
Partial assessments
Credibility:7
Customer service:3
Platform:2
Offer:3

So far I do not know how to express opinions I have mixed feelings I am waiting for answers with reported problems we will see how they behave why I do not express a clear opinion But I have many comments and reservations impressions are not the best

Plusses
  • efficient financial service lifeline
Minors
  • news and analysis always up to half an hour after
  • A big question mark when it comes to the platform's operational credibility
  • strange that not all brokers like etc double rolled oil prices which created huge confusion
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Super customer service, good contact, which I appreciate very much. xStation also gives good advice as a platform. I trade with a small budget admittedly, but for these few months of cooperation I have not noticed that the broker has made any problems for me. Maybe some instruments could be just a bit cheaper.

Plusses No plusses
Minors No minors
Posted on
1.0
Partial assessments
Credibility:1
Customer service:1
Platform:1
Offer:1

Once again, there is a rollover on ROPA WTI in a matter of days, without any warning. I have lost a lot of money because of this. This platform is simply usury! I do not recommend it from the bottom of my heart.After another rollover in 5 days, I got scared that the price will continue to fall and there will be even more rollovers and that's why I sold the shares, if it wasn't for the rollover I would still be holding them. In addition, the platform crashes at crucial moments, so I rated it 1.

From the editors:
This was about the situation described here: https://www.xtb.com/pl/analizy-rynkowe/wiadomosci-rynkowe/nadzwyczajna-sytuacja-na-oil-wti

Plusses No plusses
Minors
  • Once again in a few days there is a rollover on ROPA WTI, without any notice. This platform is simply usury!
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

I created an account, got a book(new, value of 100zl), balance sheet of the company 100MLN, listed on the WSE, not a Bank but 100x better than Tickmill

Plusses
  • office in PL
  • KNF approval
  • a publicly traded company on the WSE
Minors
  • it is not a bank
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Polish brokerage house with KNF guarantee. Public company listed on the WSE (transparent financials and reports). I personally don't like this company, but: it is located in POlska and is 100x better than Cypriot companies. In Revenues 100mln PLN speaks for itself.

Plusses
  • KNF
  • public company (WSE)
  • owner James Z - Forbes top25
Minors
  • A young CEO who knew nothing 10 years ago
  • No offices outside of Warsaw
Posted on
6.3
Partial assessments
Credibility:5
Customer service:3
Platform:8
Offer:9

I have had the account for a short time - about 2 months. Getting to the specifics: after the first deposit, a gentleman from XTB called me and introduced himself as my guardian, left a cell phone number. Some time later I wanted to take the advice of the guardian - I called and no one answered or called back. The second situation: I'm waiting 2 days for a deposit to be credited to XTB (in USD) and still not credited. I call the hotline:" Yes, indeed the transfer has arrived." and after a few minutes my deposit was credited. Looking at the above, I have my doubts about the overall professionalism of the service.Yet another thing: the withdrawal (in USD) takes a full 2 business days (to an Alior account). That is, only after 3 days the money is in the account.

Plusses
  • low commissions
  • wide range of stocks, etfs
Minors
  • problems with payments
  • long withdrawal time in USD
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I have been with XTB for quite some time now. There are regular new improvements to the platform and the news tab is something that saves a lot of time when gathering information from the world (especially in the morning). Both the desktop and mobile versions work quickly and flawlessly. In fact, they have everything you need. Big plus.

Plusses
  • platform (especially the mobile version)
  • morning analyses
  • handling
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I have been a client of XTB for a year and a half. I am satisfied in every way. The best trading platform, very professional and friendly attendant service. I highly recommend.

Plusses
  • Trading platform
  • Customer service
  • Fast transfer processing
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Trustworthy company

Plusses
  • contact with the mentor
  • costs
  • security
Minors
  • no etfs from usa
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I benefit from the service for another year and am satisfied.
Contact and service at the highest level.

Plusses
  • Platform
  • Costs
  • Execution of orders
Minors No minors
Posted on
9.3
Partial assessments
Credibility:9
Customer service:10
Platform:9
Offer:9

I moved a couple of months ago, from IC Markets, as the FSC introduced the experienced status, and I was very positively surprised, on the plus side! The opening process very convenient, the account active after literally 15 min, the author's platform after breaking through is really convenient, spreads ok, so far a big +

Plusses
  • platform
  • 24/5 assistance
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

A satisfied client who writes feedback is probably a rarity in today's world...especially with an MM broker. I play mainly intra day on dax and eurusd and it is really good. I've also seen reviews from other pseudo "experts" on XTB, but I recommend testing for yourself....

Plusses
  • Low cost - eurusd and dax
  • Security (Polish broker - KNF / NDS)
  • Quick execution of orders
Minors
  • Spreads on crypto
Posted on
3.8
Partial assessments
Credibility:3
Customer service:3
Platform:2
Offer:7

Strange clipping of stop losses, lack of recognition of complaints due to strange explanations. In general, I do not recommend, especially since some strange events are also reported on TJS.

Plusses No plusses
Minors No minors
Posted on
6.0
Partial assessments
Credibility:3
Customer service:6
Platform:6
Offer:9

I once experienced a strange opening of positions on the platform when I was not on it. Theoretically everything was explained however the distaste remains . On top of that these actions with the parameter of deviation also very strange ;/.

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

A Polish regulated broker that has been cool developing its technology and platform over the years expanding the available markets.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Polish broker, supervised, regulated and on top of that still on the stock exchange, so fully transparent.

Plusses
  • Polish broker
  • Regulations
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

For me, their xStation 5 is the most functional forex system. I have been with XTB for 2 years. I have a guaranteed stop loss, I have negative balance protection, and in general I just work only with proven brokers. Now I'm starting the stock theme as well.

Plusses
  • xStation 5
  • training, contact
  • costs
Minors
  • all in all, it's hard to name anything
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

Stable broker. good account offerings. extensive training offerings. no problems with transfers

Plusses
  • xStation5
  • training
  • market stable broker
Minors No minors
Posted on
8.5
Partial assessments
Credibility:10
Customer service:8
Platform:8
Offer:8

Currently have X5 problem but generally 5* with quotes, withdrawals, candles etc....

Plusses No plusses
Minors No minors
Posted on
8.3
Partial assessments
Credibility:7
Customer service:9
Platform:10
Offer:7

I'm just starting to work with this broker but everything looks okay so far. I'm a beginner so it's hard to make concrete conclusions so far ;)

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Reliable broker, registered in Poland, listed on the Warsaw Stock Exchange, wide offer and investor education.

Plusses
  • Education
  • Platform
  • Registered in Poland
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I am very satisfied with the work of the broker. I have virtually no reservations. Both the rich offer, as well as the platforms and customer service stand at the highest level. I recommend with all responsibility to all traders!

Plusses No plusses
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

For me, business is all about credibility and a long-term approach to the customer. XTB have been around forever, it is not a temporary cash heist. I recommend these brokers.

Plusses
  • very good analyses
  • friendly and prompt contact
  • reliable partner, super application
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

They are a leading brokerage house. currencies, commodities, indices, or Equity CFDs in one place. when you add a platform with which there are no problems, you have a good basis for action

Plusses
  • x-station
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

A reliable broker with a lot of experience. Large selection of instruments and two trading platforms.

Plusses
  • Choice of platforms
  • Low spreads
  • Reliable company
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

Aside from my affection for the brand itself and how well it communicates (I'm a marketer by trade), I think XTB has the best software and service on the market. I have never had absolutely no problem with it. I use it on various devices and it is what I expect.

Plusses
  • clarity of interface
  • multitude of applications
  • efficiency
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

My first broker since 2009. During this time a lot has changed but I could never complain. Nice customer service, platform...depends on who likes mt4(as with everyone) or xstation. Spreads ok for a Polish entity. Overall can recommend, not a Cypriot and better than many competitors from PL.

Plusses
  • MT4
  • Polish Broker
  • Number of instruments
Minors
  • Some spreads could be lower but they are exotics
Posted on
7.5
Partial assessments
Credibility:8
Customer service:7
Platform:8
Offer:7

Seemingly everything cacy, but 2 times I have already filed a complaint. Somehow too often strange things happen for me. Nevertheless, the complaints are taken into account, and the game itself is smooth. The cost is not too bad either.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I feel "safe" on the Forex platform. I have a sense of control.

Plusses
  • Easy-to-use platform
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:9

A solid broker and market leader in our country.

Plusses
  • platform for each device
  • ease of contact
  • educational campaigns
Minors No minors
Posted on
9.3
Partial assessments
Credibility:10
Customer service:10
Platform:8
Offer:9

Spreads higher than Cyprus but XTB at least takes care of me. Great contact with the custodian, very much training, fast deposits and withdrawals and I am generally satisfied.

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I am very satisfied. Super service, cool training, meetings. The new xstation is also way better

Plusses No plusses
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

XTB is a broker with whom it is simply worth playing. Stable and reliable, they offer a range of training and assistance, good service

Plusses
  • safe and stable
  • transparent platforms
  • training
Minors No minors
Posted on
8.5
Partial assessments
Credibility:9
Customer service:9
Platform:8
Offer:8

You can not deny them to go out to the customer. every now and then they offer a new service aimed at a dedicated group of customers. accounts on competitive terms. no problems with receiving PIT. withdrawals without problems.

Plusses
  • meetings with experts
  • disbursements without a problem
  • intuitive platform
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

The best thing is to try it out yourself and find out :) I've been to several brokers and it's with xtb that I've found a place to stay longer

Plusses
  • listed
  • polish broker
  • cool platforms
Minors No minors
Posted on
9.0
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:9

broker which is one of the more stable on the market. platform at the level of understanding even for a layman. interesting additional offerings such as xsocial, or tradebeat.

Plusses
  • platform
  • good contact with the mentor
  • good service with analysis
Minors
  • hotline service
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I have already opened an account with them some time ago, and I am very satisfied
they have good execution of orders, traditional enter quickly, low spreads
nothing else I really need
now they have fired up a new platform xStation5, there are many useful tools
really cool, I recommend

Plusses
  • Super execution of orders, no requisitions
  • b. large selection of markets
  • possibility to open pending orders, with the market closed
Minors No minors
Posted on
9.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:9

Without a doubt the best Polish broker!

Plusses
  • Customer service
  • Training
  • xStation
Minors No minors
Posted on
9.0
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:8

After previous adventures with one of the Cypriot brokers I decided to go with XTB, I have had an account with them for over a year and I am satisfied with the service they provide. Withdrawals processed efficiently, I never had a problem with it. Platform ok- they have now introduced a new one and it is quite quite :) Good and fast contact with the Supervisor. Overall I recommend!

Plusses
  • polish broker
  • low spreads
  • good training offer
Minors No minors
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

I am very satisfied. I recommend

Plusses
  • Security
  • Professional service
  • Bdb platform
Minors
  • Fee for a withdrawal of less than PLN 500
Posted on
8.8
Partial assessments
Credibility:10
Customer service:8
Platform:9
Offer:8

I have a real account with them, there is no problem with withdrawals. Cash goes by normal elixir sessions. They organize events on which I have "trained" a little. I trade by myself on the standard account because there are "micro" available . Spreads ok.

Overall, I have no reservations
Cheapest DAX among all brokers.

Downsides? some time ago I made a complaint, had to wait 5 days for a response. It ended on the + for me

Plusses
  • Fast and free deposits and withdrawals
  • Brok from PL, no need to worry about $$$
  • execution good, even on data is ok
Minors
  • I made a complaint some time ago, I had to wait 5 days for a response. It ended on + for me
Posted on
9.8
Partial assessments
Credibility:10
Customer service:9
Platform:10
Offer:10

A very good new offer of a standard account, the spread on DAX below 1 point, immediate execution of orders, so far I have not had any problems, and I try to play daytrading, so a little of these trades during the day accumulate. In addition, the only women's investment club in Poland - I highly recommend it.
New platform based on HTML5 admittedly still a little underdeveloped, but it is still a beta version, and there are already a lot of cool tools like heatmap.

Plusses
  • web platfrom xStaton5
  • immediate execution of orders
  • spread on Dax on standard account
Minors
  • max leverage 1:100
Posted on
8.5
Partial assessments
Credibility:9
Customer service:8
Platform:9
Offer:8

Polish broker with a wide range of tools to help function investing especially for beginners in the subject. Customer service at a good level.

Plusses
  • a lot of tools
  • a rich training offer
  • clear platform
Minors No minors
Posted on
8.8
Partial assessments
Credibility:9
Customer service:9
Platform:9
Offer:8

In my opinion, quite reliable, especially since they went public. On the small minus the hotline activity, other features similar or better than the competition.

Plusses
  • Offer
Minors
  • Customer service
Posted on
10.0
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:10

very good broker. No problems with withdrawals, also no need to worry. Plus, intuitive platforms. They also have a lot of training and yet a new educational program with Krychowiak. A stable broker worth playing with

Plusses No plusses
Minors No minors
Posted on
9.5
Partial assessments
Credibility:10
Customer service:10
Platform:9
Offer:9

It keeps level, pays out on time, has a nice offer. Service is also decent. I don't trade professionally so I don't know how this broker performs at this level :)

Plusses
  • Offer
  • Credibility
Minors No minors
Posted on
8.0
Partial assessments
Credibility:8
Customer service:7
Platform:8
Offer:9

In my opinion, trustworthy. In addition, recently XTB has been doing very well in terms of CSR, they are doing a cool campaign with Krychowiak, imaginative and useful at the same time.

Plusses
  • Very attractive promotions
Minors No minors
Posted on
9.0
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:8

As for me, the best Polish broker. Not bad spreads, fast platform, no scams. Well, and they send a tax return at the end of the year, which saves some fun :)

Plusses
  • Polish
  • Good customer service
Minors No minors
Posted on
7.8
Partial assessments
Credibility:10
Customer service:10
Platform:10
Offer:1

XTB the best market maker in Poland.

Plusses
  • very large offer
  • SLs can be guaranteed
Minors
  • if you make money they will switch you
  • unfortunately 100% market maker
Posted on
9.3
Partial assessments
Credibility:10
Customer service:9
Platform:9
Offer:9

I was convinced by the fact that it is Polish and has mostly Polish regulators over it. Somehow I feel safer. Moreover, so far everything is going as I assumed. Executions fast, payouts on time, the offer is decent. I'm not some kind of advanced trader, but for my needs it's completely enough for me.

Plusses
  • Security
  • Good customer service
Minors No minors
Posted on
9.0
Partial assessments
Credibility:10
Customer service:10
Platform:8
Offer:8

Stable, Polish, with a good offer. Great contact with service, as for me one of the best brokers. Full control over XTB by Polish authorities somehow makes me feel safer :)

Plusses
  • Polish broker
Minors No minors
Posted on

79% of retail investor accounts lose money when trading CFDs with this provider.

Submit your own review

No withdrawal issues. No questionable practices.
Contacting support. Deposit/withdrawal process. Reliability.
Spreads and commissions. Instrument availability.
Ease of use, quick execution, reliability.

 

I confirm that the submitted review is based on personal experience and no broker encouraged its publication.

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