XTB Review
4.8
XTB es un gigante fintech europeo cotizado en bolsa. Su plataforma "xStation 5" ofrece CFDs y acciones reales con 0% de comisión. En 2025 destaca por ofrecer altos intereses (hasta 4.5%) sobre el efectivo no invertido.
Visit XTB
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
¿Es segura XTB?
Sí, XTB cotiza en bolsa y está regulada por FCA, KNF y CySEC, garantizando alta transparencia.
¿Paga XTB intereses?
Sí, XTB paga intereses sobre saldos de efectivo no invertidos en GBP, USD y EUR.
¿Cuál es el depósito mínimo?
No hay depósito mínimo para abrir una cuenta. Puede empezar con cualquier cantidad.
¿Ofrece XTB MT4?
XTB ha eliminado MT4 para nuevos clientes, enfocándose en xStation 5.
¿Las acciones son reales o CFDs?
XTB ofrece ambos. Puede invertir en acciones reales con 0% comisión o CFDs con apalancamiento.
Regulatory Risk Warning
CFDs are complex instruments. 77% of retail investor accounts lose money when trading CFDs with this provider.