XTB Review

4.8

XTB是在华沙证券交易所上市的欧洲金融科技巨头。其屡获殊荣的“xStation 5”平台提供CFD交易和0%佣金的真实股票/ETF（每月最高10万欧元）。2025年，XTB通过为未投资现金余额提供高利率（高达4.5%），成为被动投资者的首选。

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

XTB安全吗？

是的，XTB是一家上市公司（华沙证券交易所），受FCA、KNF和CySEC等顶级机构监管，确保高度透明。

XTB支付利息吗？

是的，XTB对GBP、USD和EUR账户的未投资现金余额支付利息。

最低存款是多少？

开户没有最低存款要求。您可以从任何金额开始。

XTB提供MT4吗？

XTB已逐步向新零售客户淘汰MT4，转而专注于其卓越的xStation 5平台。

股票是真实的还是CFD？

XTB两者都提供。您可以投资0%佣金的真实股票/ETF，或交易带杠杆的股票CFD。

Regulatory Risk Warning

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