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XTB Review

4.8

XTB is a European fintech giant listed on the Warsaw Stock Exchange. It distinguishes itself with its award-winning "xStation 5" platform, which offers both CFD trading and real Stocks/ETFs with 0% commission (up to €100k/mo). In 2025, XTB became a top choice for passive investors by offering high interest rates (up to 4.5%) on uninvested cash balances.

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XTB S.A. is authorised and regulated by the Komisja Nadzoru Finansowego (KNF) in Poland. XTB Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the UK.

Pros

  • Interest paid on uninvested cash (paid monthly)
  • 0% Commission on Real Stocks & ETFs
  • xStation 5 Platform (Fast & Intuitive)
  • Publicly listed company (Transparent finances)

Cons

  • Conversion fee (0.5%) applies to foreign stocks
  • No MetaTrader 4/5 for new retail clients
  • Real stocks available mostly in EU/UK entities

Interest on Cash

XTB puts your idle money to work. Instead of letting your free margin sit at 0%, XTB pays competitive interest on uninvested funds (e.g., up to 4.5% on GBP and competitive rates on USD/EUR in 2025). Interest is calculated daily and paid monthly, with no lock-in period.

0% Commission Stocks

For investors, XTB is a low-cost haven. You can invest in real stocks and ETFs from US and European exchanges with **0% commission** for monthly turnover up to €100,000. Above this limit, a small fee of 0.2% applies.

FAQs about XTB

Is XTB safe?

Yes, XTB is a publicly listed company (Warsaw Stock Exchange) and is regulated by top authorities like the FCA, KNF, and CySEC, ensuring high transparency.

Does XTB pay interest?

Yes, XTB pays interest on uninvested cash balances for GBP, USD, and EUR accounts. Rates vary by market conditions but are highly competitive.

What is the minimum deposit?

There is no minimum deposit to open an account. You can start with any amount.

Does XTB offer MT4?

XTB has largely phased out MT4 for new retail clients, focusing instead on its superior xStation 5 platform. MT4 may be available in limited regions.

Are stocks real or CFDs?

XTB offers both. You can invest in Real Stocks/ETFs with 0% commission (EU/UK entities) or trade Stock CFDs with leverage.

Regulatory Risk Warning

CFDs are complex instruments. 77% of retail investor accounts lose money when trading CFDs with this provider.