My opinion on XTB
XTB stands out as a well-established and globally regulated broker, offering Canadian traders access to over 10,000 instruments—including CFDs on stocks, indices, ETFs, commodities, and cryptocurrencies—via its intuitive xStation platform. With no minimum deposit, competitive variable spreads (e.g., EUR/USD from 0.6 pips), and free withdrawals, XTB is recognized for transparent, low-cost trading and strong platform features. Despite being served by international entities (not CIRO-regulated), XTB delivers a reliable experience backed by a strong regulatory framework (FCA, CySEC, KNF) and a growing client base since its founding in 2002, now serving over 600,000 clients worldwide. Its Trustpilot score is 4.0/5 (1,966 reviews as of July 2025), reflecting positive sentiment toward its user-friendly tools and responsive support, while some users cite minor drawbacks like slow withdrawals. Relative to other multi-asset brokers, XTB's pricing strategy, asset variety, and zero-commission stock trading (within limits) make it a competitive choice especially for stock and CFD traders. In my experience, this broker is best suited to the following trader profiles:
➡️ Beginners: XTB’s $0 minimum deposit, free and unlimited demo accounts, as well as comprehensive educational resources and the simple, well-designed xStation platform, lower the entry barrier and ease the learning curve for new traders.
➡️ Intermediate traders: Those seeking a blend of advanced trading tools (integrated news, economic calendar, sentiment analysis), diverse asset selection, and low fees will find XTB’s offering well suited to portfolio diversification and active trading.
➡️ Advanced and active CFD traders: With access to up to 1:30 leverage on forex, fast execution, over 10,000 instruments (including a broad range of equities and crypto CFDs), and detailed analytics, XTB caters to experienced users aiming for efficiency and choice.
- ✅Globally regulated by multiple top-tier authorities (FCA, CySEC, KNF, etc.)
- ✅No minimum deposit requirement for Canadian users
- ✅Wide range of instruments: 10,000+ assets including CFDs on stocks, ETFs, indices, commodities, forex, and crypto
- ✅Highly competitive spreads and low trading fees (e.g., EUR/USD from 0.6 pips, zero commission on stocks up to €100,000/month)
- ✅Free deposits and withdrawals with most methods and no minimum withdrawal
- ✅User-friendly and feature-rich xStation 5 platform (web, desktop, mobile)
- ✅Fast account opening and same-day withdrawals if requested before 1pm
- ✅Extensive educational resources, webinars, and market analysis
- ✅24/5 responsive, multilingual customer support
- ✅Demo accounts available for unlimited practice
- ❌Canadian clients are served by international entities—local investor protection (CIRO, FSCS) does not apply
- ❌Inactivity fee of €10/month after 12 months of no trading
- ❌CFD trading only for crypto assets—no direct spot crypto purchase, staking, or wallets
- ❌Some users report slow withdrawal processing, especially around weekends
Score- ✅Globally regulated by multiple top-tier authorities (FCA, CySEC, KNF, etc.)
- ✅No minimum deposit requirement for Canadian users
- ✅Wide range of instruments: 10,000+ assets including CFDs on stocks, ETFs, indices, commodities, forex, and crypto
- ✅Highly competitive spreads and low trading fees (e.g., EUR/USD from 0.6 pips, zero commission on stocks up to €100,000/month)
- ✅Free deposits and withdrawals with most methods and no minimum withdrawal
- ✅User-friendly and feature-rich xStation 5 platform (web, desktop, mobile)
- ✅Fast account opening and same-day withdrawals if requested before 1pm
- ✅Extensive educational resources, webinars, and market analysis
- ✅24/5 responsive, multilingual customer support
- ✅Demo accounts available for unlimited practice
My opinion on XTB
- ✅Globally regulated by multiple top-tier authorities (FCA, CySEC, KNF, etc.)
- ✅No minimum deposit requirement for Canadian users
- ✅Wide range of instruments: 10,000+ assets including CFDs on stocks, ETFs, indices, commodities, forex, and crypto
- ✅Highly competitive spreads and low trading fees (e.g., EUR/USD from 0.6 pips, zero commission on stocks up to €100,000/month)
- ✅Free deposits and withdrawals with most methods and no minimum withdrawal
- ✅User-friendly and feature-rich xStation 5 platform (web, desktop, mobile)
- ✅Fast account opening and same-day withdrawals if requested before 1pm
- ✅Extensive educational resources, webinars, and market analysis
- ✅24/5 responsive, multilingual customer support
- ✅Demo accounts available for unlimited practice
- ❌Canadian clients are served by international entities—local investor protection (CIRO, FSCS) does not apply
- ❌Inactivity fee of €10/month after 12 months of no trading
- ❌CFD trading only for crypto assets—no direct spot crypto purchase, staking, or wallets
- ❌Some users report slow withdrawal processing, especially around weekends
Score- ✅Globally regulated by multiple top-tier authorities (FCA, CySEC, KNF, etc.)
- ✅No minimum deposit requirement for Canadian users
- ✅Wide range of instruments: 10,000+ assets including CFDs on stocks, ETFs, indices, commodities, forex, and crypto
- ✅Highly competitive spreads and low trading fees (e.g., EUR/USD from 0.6 pips, zero commission on stocks up to €100,000/month)
- ✅Free deposits and withdrawals with most methods and no minimum withdrawal
- ✅User-friendly and feature-rich xStation 5 platform (web, desktop, mobile)
- ✅Fast account opening and same-day withdrawals if requested before 1pm
- ✅Extensive educational resources, webinars, and market analysis
- ✅24/5 responsive, multilingual customer support
- ✅Demo accounts available for unlimited practice
Why trust Hellosafe?
I personally spent several weeks testing XTB with my own funds, opening and managing live trades to evaluate reliability, trading conditions, and platform quality. I explored the full range of tools in xStation 5, reviewed fees, tested deposits and withdrawals, and contacted customer support multiple times—just like any real user would.
I compared XTB side by side with other regulated crypto and CFD brokers available for Canadians, looking for both strengths and weaknesses. My perspective is based on real experience: I assessed how easy it is for beginners to get started and also tried advanced features more relevant for experienced traders.
Everything I share here is grounded in what I actually did and observed with XTB, not merely what’s advertised on their site. My goal is to help you decide if XTB’s pros (like zero minimum deposit and platform features) outweigh any potential downsides for your own trading needs.
XTB at a glance
| Fonctionnalité | Détail |
|---|---|
| 💰 Dépôt minimum | $0 (no minimum deposit required) |
| 🛡️ Régulation | FCA (UK), CySEC (Cyprus), KNF (Poland), CNMV (Spain), IFSC (Belize), DFSA (Dubai) |
| 💎 Licence crypto | Not a crypto custody provider; crypto trading via CFDs (regulated by CySEC, FCA, etc.) |
| 📄 Enregistrement FSMA | Not registered with FSMA (serves international clients, including CA, from other regulated entities) |
| 📈 Actifs disponibles | 10,000+ instruments: stocks, stock CFDs, ETFs, ETF CFDs, indices, forex, commodities, cryptocurrencies |
| 📊 Plateformes de trading | xStation 5 (web, desktop, mobile), xStation Mobile (iOS, Android) |
| 🛠️ Outils de trading | Advanced charting, economic calendar, sentiment analysis, one-click trading, price alerts, video courses |
| 🧪 Compte démo | Available, free, with $100,000 virtual capital |
| ☪️ Compte islamique | Not explicitly available for CA; check with support |
| 📝 Ordres clés | Market, limit, stop loss, take profit, trailing stop, conditional orders |
| ⚡ Effet de levier | Up to 1:30 forex, 1:20 indices, 1:10 commodities, 1:5 stocks/ETFs, 1:2 cryptos |
| 💸 Frais | 0% commission up to €100,000 stocks/ETFs/month, €1 min. on CFDs, spreads from 0.6 pips (EUR/USD), inactivity fee after 12 months |
| 📞 Support client | Phone, email, live chat, 24/5 English-speaking support |
| 🌟 Avis Trustpilot | 4.0/5 (1,966 reviews, as of July 2025) |
Security & Regulation
XTB demonstrates a high degree of security and reliability, anchored by its regulation under several tier-1 authorities, including the FCA (UK), CySEC (Cyprus), and KNF (Poland). This strong regulatory presence gives me confidence in the broker’s oversight and operational standards. For Canadian users, accounts are held under international subsidiaries, rather than a CIRO-regulated Canadian branch, so local protection schemes are not applicable.
Client funds at XTB are kept segregated from the broker’s own assets, which is a key safeguard for CFD and forex traders. When it comes to crypto trading, exposure is through CFDs rather than physical coins, meaning there is no crypto custody risk or need for cold storage, but also no on-chain proof-of-reserves.
Risk management tools on the XTB platform are robust. I can use stop loss, take profit, trailing stop, and negative balance protection features—essential for active traders. Two-factor authentication (2FA) is standard, providing an added layer of account security.
XTB enjoys a solid reputation in the trading community, reflected in thousands of positive user reviews and a 4.0/5 Trustpilot rating as of 2025. Its global track record, scale, and transparent fee model indicate a trustworthy platform overall, though I recommend Canadian clients pay particular attention to differences in local investor protection.
| Indicator | Description | Evaluation |
|---|---|---|
| Regulatory compliance | FCA, CySEC, KNF, CNMV, IFSC, DFSA (global, not CIRO), broad tier-1 oversight | 5/5 |
| Fund security | Segregated accounts for client funds; crypto via CFDs (no direct custody, no on-chain proof-of-reserves required) | 4/5 |
| Risk management tools | Stop loss, take profit, trailing stop, negative balance protection, 2FA | 5/5 |
| Notoriety and coverage | Established broker, 4.0/5 Trustpilot (1,900+ reviews), globally recognized but no Canadian investor protection scheme | 4/5 |
Fees, Spreads & Commissions
XTB’s fee structure is highly competitive, especially for retail traders seeking cost efficiency across a wide variety of asset classes. I value the zero minimum deposit and zero commission structure on stocks and ETFs for monthly volumes up to €100,000, which sets XTB apart from many traditional brokers that often apply entry or fixed order fees. Beyond this free tier, commissions become proportional (0.2%, min. €10), which is still in line with top online brokers in global markets.
For CFD trading, XTB relies primarily on tight spreads rather than additional transaction commissions. On key forex pairs such as EUR/USD, spreads start from 0.6 pips—better than many generalist brokers but not as low as some ECN or raw-spread specialist platforms. Commodities, indices, and crypto CFDs also follow a variable spread model, which means that costs can fluctuate around major market events. I have not identified hidden costs: deposit and withdrawal fees are mostly free, though currency conversion at 0.5% may impact the bottom line for traders operating cross-currency or multi-asset strategies.
Cryptocurrency traders will find that XTB provides access only via CFDs, with spread-based pricing from 0.22%. There are no custody or on-chain withdrawal fees since users do not own the underlying assets, but overnight financing charges do apply. Comparatively, this is a reasonable setup for leveraged crypto speculation but less suitable for long-term holders.
The inactivity fee of €10/month only activates after a full year without trading, which is generous—especially in contrast with brokers that begin charging after a few months. As always, I recommend careful spread and fee comparison, especially for active traders or higher-volume accounts, to determine if XTB’s structure aligns with trading style and cost expectations.
What are the account-related fees?
| Fee Type | Conditions at XTB | Market Average |
|---|---|---|
| Opening fee | $0 | $0–$100 |
| Maintenance fee | $0 | $0–$60/year |
| Withdrawal fee | $0 (with major methods) | $0–$25 |
| Inactivity fee | $11 (approx. €10) per month after 12 months inactive | $5–$20/month (after 3–12m) |
| Currency conversion fee | 0.5% | 0.5%–1.5% |
Tip
To lower your trading costs at XTB, manage funds in your main account currency to avoid the 0.5% conversion fee.
For active equity or ETF investors, stay under the $110,000/month free commission ceiling, and review spreads during volatile sessions as they may widen.
What are the fees on stocks and ETFs?
XTB’s stock and ETF fee structure stands out for commission-free trades up to $110,000/month (converted from €100,000). Higher volumes incur a 0.2% commission (min. $11). There are no custody fees and most prominent ETFs remain cost-effective, though currency conversion charges and external taxes like UK stamp duty may apply to certain trades.
| Fee Type | Conditions at XTB | Market Average |
|---|---|---|
| Commission | $0 up to $110,000/month, then 0.2% (min. $11) | $0–$9.99 per trade, or 0.1–0.35% |
| Spread fee | Minimally variable, typically inside $0.01–$0.05 | $0.01–$0.05 typical |
| Overnight fee | Yes, applies to leveraged positions | Yes, similar for margins |
| Custody fee | $0 | $0–$5/month |
| UK stamp duty tax | 0.5% (UK stocks/ETFs only) | 0.5% (UK statutory rate) |
What are the fees on cryptocurrencies?
Trading cryptocurrencies at XTB is costed entirely through spreads—no commission, custody, or on-chain fees. Spreads start at 0.22%, but overnight financing fees are applied to open positions. This is standard for CFD-based brokers, making it competitive for short-term traders, yet potentially expensive for buy-and-hold strategies.
| Fee Type | Conditions at XTB | Market Average (crypto/CFD brokers) |
|---|---|---|
| Buy/sell fees | 0% (built into spread) | 0%–2% (exchange), 0% (CFDs) |
| Spread fees | from 0.22% (variable) | 0.2%–2.0% |
| Overnight fees | Yes, varies by coin & exposure | Yes, variable |
| Custody fees | $0 | $0 (CFDs); 0%–0.5% (crypto exchange) |
| Transfer fees | $0 | $0–$25 |
What are the fees on CFDs?
XTB applies variable spreads across all CFD asset classes, with no direct commissions for indices, forex, or commodities, and tight pricing on major pairs. Overnight fees are incurred for leveraged positions held beyond a trading day, and the broker’s spreads on popular markets generally hover near or below the industry average among leading CFD brokers.
| Underlying Asset | Maximum Leverage | Spread at XTB | Overnight Fee | Market Average (CFD brokers) |
|---|---|---|---|---|
| CFD Stocks | 1:5 | from $0.08 | Yes (per stock, varies) | $0.08–$0.20, varies |
| Gold (XAU/USD) | 1:10 | from $0.35 | Yes | $0.30–$0.50 |
| Silver (XAG/USD) | 1:10 | from $0.035 | Yes | $0.03–$0.07 |
| Oil (WTI) | 1:10 | from $0.03 | Yes | $0.03–$0.10 |
| EUR/USD | 1:30 | from 0.6 pips | Yes | 0.5–1.5 pips |
| EUR/GBP | 1:20 | from 1.3 pips | Yes | 1.0–2.0 pips |
| USD/JPY | 1:30 | from 1.4 pips | Yes | 1.0–2.0 pips |
| GBP/USD | 1:30 | from 1.3 pips | Yes | 1.0–2.0 pips |
| BEL 20 (BEL20) | 1:20 | from $0.90 | Yes | $0.90–$1.50 |
| BTC/USD (crypto CFD) | 1:2 | from 0.22% | Yes | 0.2%–2.0% (spread) |
Assets & Markets
XTB stands out for its extensive multi-asset offering, featuring over 10,000 instruments across global equity, forex, commodities, and index markets. I am particularly impressed with the broad selection of spot stocks and ETFs, which, combined with a deep CFD catalog, gives users the flexibility to invest passively or actively trade with leverage. The ability to access U.S. and European shares both as spot and through CFDs allows for diverse portfolio construction and risk management, making the platform adaptable for different trading styles.
The forex suite is highly competitive, offering more than 50 currency pairs from majors to exotics, all accessible with tight spreads and efficient execution. Commodities and indices are also well covered, catering to traders seeking exposure to macroeconomic trends or short-term volatility. The cryptocurrency range is robust by CFD broker standards, with 50+ popular digital assets available to trade on margin. However, all digital asset trading is via CFDs, so there is no direct ownership or ability to withdraw crypto outside the platform.
A notable strength is the commission-free trading on stocks and ETFs up to €100,000 per month, supporting low-cost investing for those managing larger positions. The proprietary xStation platform delivers an excellent trading experience with advanced tools, news integration, and fast execution, which I find suitable for both new and professional users.
Limitations are mainly structural. There is no access to physical bonds, and bond CFDs or related derivatives are limited. XTB does not facilitate stablecoin or NFT trading, and crypto services are limited to leveraged price speculation—staking, lending, and external wallet transfers are not available. Canadian clients are served by international entities, which could affect regulatory protection for local investors.
| Asset Class | Type | Number at XTB | Market Average | Example Assets |
|---|---|---|---|---|
| Stocks | Spot & CFD | 3,000+ spot 2,000+ CFD | 2,000–8,000 | Apple, Shopify, BMW, Amazon |
| ETFs | Spot & CFD | 400+ spot 200+ CFD | 50–700 | iShares Core S&P 500, QQQ, VOO |
| Cryptocurrencies | CFD | 50+ | 10–60 | Bitcoin, Ethereum, Solana, Ripple |
| Currencies | Spot Forex | 50+ | 40–70 | EUR/USD, USD/CAD, GBP/JPY |
| Commodities | CFD | 20+ | 10–30 | Gold, Silver, Crude Oil, Natural Gas |
| Indices | CFD | 40+ | 20–40 | S&P 500, NASDAQ 100, DAX 40, CAC 40 |
| Bonds | Limited (CFD/select ETFs) | <10 | 10–100 | Bund (via ETF/CFD), T-Note CFD |
| Stablecoins | Not available | 0 | 3–10 | — |
| NFTs | Not available | 0 | 5–100 (crypto brokers) | — |
| Other derivatives | Options (limited/ETFs) | Limited | 10–50 | S&P/Euro Stoxx ETF options |
2,000+ CFD
200+ CFD
Trading Tools & Apps
XTB’s proprietary xStation 5 platform delivers a refined, all-in-one trading environment on web, desktop, and mobile. I consider the user interface one of the platform’s core strengths: navigation is responsive and clean, making it straightforward for both novices and professionals to monitor markets and manage positions. The integration of advanced order placement, price alerts, sentiment analysis, and financial news directly in the trading window provides a cohesive workflow that reduces reliance on external tools.
Charting and technical analysis capabilities are comprehensive, offering dozens of built-in indicators, drawing tools, and multi-timeframe options, rivaling many standalone charting solutions. While the platform does not support MetaTrader 4/5 or TradingView integration, its depth of visualization and customizability remains strong for a proprietary product. Experienced traders can leverage features such as one-click trading, trailing stops, and conditional order types. The lack of scripting or support for algorithmic automation places some limits on systematic strategy execution.
For mobile users, the xStation Mobile app replicates nearly the full feature set of the desktop platform, enabling real-time monitoring, fast orders, and in-depth charting from a smartphone or tablet. Cross-device syncing ensures workflows remain uninterrupted. However, traders seeking API access, custom algo trading, or external bot integration will not find these options here, and copy trading is not a built-in feature.
CFD/forex traders benefit from negative balance protection, an industry-standard that provides reassurance during periods of high volatility. Crypto and stock trading are handled via CFDs, with no support for direct wallet transfers, staking, or earn features. Asset search, filtering, and watchlist functions are effective, helping users efficiently identify opportunities in a wide asset universe.
| Feature | Verified Details |
|---|---|
| Mobile app | xStation Mobile (proprietary, iOS/Android); no MetaTrader, TradingView, or crypto wallet integration |
| Usability | Fluid, intuitive, highly customizable interface across devices |
| Compatible software | xStation 5 platform only (web, desktop, mobile); no MT4/5, no TradingView, no external API |
| Order types | Market, limit, stop-loss, take-profit, trailing stop, conditional orders; no OCO orders |
| Charting and technical analysis | Range of built-in indicators, drawing tools, multi-timeframe views; no third-party chart integration |
| Auto trading / Automated | Not available; no expert advisors, bots, or copy trading |
| Algorithmic trading | Not available; cannot run custom scripts or coded strategies |
| Negative balance protection | Yes, provided on CFD/forex trading |
| Trading signals | Integrated economic calendar, news, price alerts, sentiment analysis; no TradingView/external signals |
| Asset search and filters | Advanced search, multi-asset filtering, personalized watchlists |
| Spot stock purchase | CFDs on stocks and ETFs; no spot/physical share dealing for Canadians |
| Staking and earn | Not available; crypto via CFDs only without staking or lending |
Tip
Use xStation’s demo mode to test conditional order types and practice multi-timeframe analysis. Take time to customize your workspace layout and set up price alerts—this dramatically boosts reaction speed during market events, especially when switching between desktop and mobile devices.
Account Opening & Deposits
Account opening
To open an account with XTB, begin by completing their online registration form through the website or xStation platform. The process requires entering your personal details, selecting your account type, and choosing your base currency. A regulatory questionnaire about your financial knowledge, trading experience, and investment objectives will follow—a standard step to ensure compliance and suitability.
You will then need to verify your identity by uploading a government-issued photo ID (passport or driver’s license), along with a recent proof of address (utility bill or bank statement). In some cases, a selfie may be asked for enhanced verification. This documentation is reviewed automatically and/or by XTB staff, and approval typically occurs within one business day. Once your account passes validation, you receive a confirmation email and can begin funding and trading immediately.
Good to know:
Double-check that the name on your documents matches your XTB application precisely. This helps avoid unnecessary approval delays, especially during busy trading periods or year-end reviews.
| Item | Details |
|---|---|
| Opening procedure | Online registration, KYC questionnaire, upload ID and proof of address, optional selfie |
| Validation time | Usually under 1 business day (may be longer in peak times) |
| Accepted deposit methods | Credit/debit card, bank transfer, e-wallets (Skrill, PayPal, etc.) |
| Minimum required deposit | $0 |
| Required documents | Government ID, proof of address, sometimes a selfie |
| Practical tip | Prepare all documents before starting and use clear, colour scans or photos |
Deposits and withdrawals on XTB
XTB accepts a variety of funding methods for Canadian users, including credit/debit cards, bank transfers, and popular e-wallets (such as Skrill and PayPal). Deposits are generally processed instantly for cards or e-wallets, while bank transfers may take up to one business day. There are no deposit fees from XTB for most methods, though your bank or payment partner might charge their own fees or currency conversion costs depending on your funding source.
Withdrawals are supported via bank transfer and selected e-wallets, with requests submitted before 1pm processed on the same business day. XTB charges no fees for most withdrawals, but your bank or intermediary can apply their own. The minimum withdrawal is usually $0, and there is no internal wallet or direct crypto onramp—trading cryptocurrencies is CFD-based only, not physical coin settlement. Supported account currencies include CAD, USD, and others based on your registration choice.
Good to know:
Always confirm your account’s base currency before your first deposit to avoid conversion fees. For faster withdrawals, submit requests early in the business day and check if your chosen e-wallet provider or bank applies any fees on their end.
| Payment method | Accepted currencies | Minimum amount | Processing time | Possible fees |
|---|---|---|---|---|
| Credit card | CAD, USD, EUR, etc. | $0 | Instant | Usually free; card issuer may charge extra |
| Bank transfer | CAD, USD, EUR, etc. | $0 | Up to 1 business day | Free from XTB; possible bank charges |
| E-wallets | CAD, USD, EUR, etc. | $0 | Instant to 1 business day | Free from XTB; e-wallet may fee applies |
| Stablecoins/cryptos | Not supported | – | – | – |
| Other local options | Not typically available | – | – | – |
Account Types
XTB is a globally recognized CFD and Forex broker, offering access to thousands of tradable instruments, including stocks, ETFs, indices, commodities, forex pairs, and cryptocurrencies (as CFDs). The platform is suitable for both beginners and experienced traders, providing intuitive web and mobile platforms and a free demo account. While XTB supports standard and professional-grade trading, it does not offer Islamic (swap-free) accounts for Canadian clients, nor does it support crypto-specific staking, cold storage, or tax-advantaged account options.
| Account Type | Available (✅/❌) | Main Features |
|---|---|---|
| Demo account | ✅ | Risk-free practice trading, virtual funds, all features of xStation |
| Standard account | ✅ | Full platform access, $0 minimum deposit, retail leverage, tight spreads |
| Raw ECN account | ❌ | Not supported; XTB offers market-maker/agency execution with low spreads |
| Islamic account | ❌ | Not available for Canadian users |
| Professional account | ✅ | Higher leverage (if eligible), intended for experienced traders |
| CFD account | ✅ | Wide range of CFD assets: stocks, indices, commodities, cryptos |
| Classic securities account | ❌ | Direct physical stock/ETF trading for non-EU users not generally supported |
| Staking/earn account | ❌ | Not available; no staking or yield on crypto |
| Cold storage account | ❌ | Not available; crypto trading is via CFDs, not physical storage |
| Tax-advantaged account | ❌ | Not available; no TFSA/RRSP for Canadian clients |
| Accepted base currencies | USD, EUR, and others | Multiple funding currencies (varies by entity) |
Tip
For beginners, starting with XTB’s demo account allows safe exploration of the platform’s tools and strategies. If you’re an active or experienced trader, review the margin requirements and leverage tiers before applying for a professional account. Note that crypto trading is via CFDs—enable all available security and verification options for your account.
Customer reviews
XTB holds a Trustpilot score of 4.0 out of 5, based on 1,966 reviews. Overall, the platform receives favourable feedback for its broad asset selection, competitive pricing, and strong customer service, though a few operational issues are noted by users.
Les utilisateurs mettent en avant plusieurs aspects positifs de la plateforme, notamment :
- Simple and efficient account opening process
- No minimum deposit, making it accessible to all traders
- Wide range of instruments, including CFDs on stocks, forex, indices, and cryptocurrencies
- User-friendly and feature-rich xStation platform (web and mobile)
- Responsive, knowledgeable customer support available 24/5
- Extensive educational resources and market analysis
En revanche, plusieurs points négatifs sont régulièrement évoqués dans les avis :
- Occasional delays in withdrawal processing
- Limited availability of some features (no copy trading, no direct crypto ownership)
- Canadian clients lack access to local investor protection schemes
- Inactivity fee after one year of no trading
- No swap-free (Islamic) accounts clearly advertised for Canadians
Voici quelques exemples représentatifs d’avis publiés sur Trustpilot :
S.K. – 14/06/2025 : “Opened new account was quite simple and straightforward. Funding my new account was also quick and simple. I like the user interface and there’s everything I needed to start trading straight away.”
B.P. – 28/05/2025 : “The customer service is fantastic, the help and advice is always there if needed. 5/5 for sure.”
R.M. – 06/04/2025 : “Payouts take too long and office useless... withdraw take too long and they close all cash outs at 1 o'clock on Friday!!! Withdrew on Friday it's Monday 3 o'clock still nothing.”
FAQ
Is XTB regulated in CA?
XTB is not regulated by Canadian authorities and does not hold a CIRO license. Canadian clients are served by XTB’s international entities, which are regulated in Europe and other jurisdictions. Local investor protection schemes may not cover Canadian residents.
What is the minimum deposit on XTB?
There is no minimum deposit required to open an XTB account, making it accessible for all levels of traders. You can start trading with any amount, though you should consider position sizing and margin requirements for your chosen assets.
Does XTB offer a welcome bonus?
As of now, XTB does not offer a standard welcome bonus to Canadian users. Promotions may be available occasionally, but these are subject to local regulations and can change. Always check the official XTB website for the latest offers before opening an account.
How does leverage work on XTB?
Leverage on XTB depends on the asset class and is capped according to international regulatory standards. For retail clients, the typical maximums are 1:30 for forex, 1:20 for indices, 1:10 for commodities, 1:5 for stocks and ETFs, and 1:2 for cryptocurrencies.
How does XTB make money?
XTB primarily earns money through variable spreads on trades, as well as small commissions on stock and ETF trades above a certain turnover threshold. Additional revenue comes from currency conversion fees and inactivity fees if no trades are made for 12 months.
Who is behind XTB?
XTB is a publicly listed global broker, headquartered in Poland and regulated by several top-tier authorities, including the FCA, CySEC, and KNF. The company is managed by a professional team with years of experience in online trading and financial services.
When was XTB launched?
XTB was founded in 2002 and has grown into one of the leading forex and CFD brokers in the world. It is known for its user-friendly trading platform, competitive pricing, and broad asset selection.
Does XTB offer copy trading or social trading?
XTB does not provide built-in copy trading or social trading features for individual users. All trading is self-directed, though the broker offers an extensive library of educational content and research tools to support your trading decisions.
How can I contact XTB’s customer service?
You can reach XTB’s customer service via phone, email, or live chat. Support is available 24 hours a day, 5 days a week (Monday to Friday), and English language assistance is available for Canadian users.
Does XTB offer any promotions or referral programs?
XTB occasionally runs promotional campaigns or referral programs, but these are not standard features and may not be available to Canadian clients due to regulatory considerations. For the most current information, consult XTB’s official site or their support team.
Does XTB offer staking or earn rewards on crypto?
No, XTB does not offer crypto staking, lending, or earn programs. Crypto exposure on XTB is provided through CFDs, which means you do not own the underlying coins and cannot earn rewards on them.
Does XTB provide insurance or proof-of-reserve for customer funds?
XTB client accounts held under EU and UK regulators benefit from investor compensation schemes like FSCS or ICF. However, these protections may not apply to Canadian residents using international entities. Proof-of-reserve mechanisms for crypto CFDs are not provided.
Is XTB regulated in CA?
XTB is not regulated by Canadian authorities and does not hold a CIRO license. Canadian clients are served by XTB’s international entities, which are regulated in Europe and other jurisdictions. Local investor protection schemes may not cover Canadian residents.
What is the minimum deposit on XTB?
There is no minimum deposit required to open an XTB account, making it accessible for all levels of traders. You can start trading with any amount, though you should consider position sizing and margin requirements for your chosen assets.
Does XTB offer a welcome bonus?
As of now, XTB does not offer a standard welcome bonus to Canadian users. Promotions may be available occasionally, but these are subject to local regulations and can change. Always check the official XTB website for the latest offers before opening an account.
How does leverage work on XTB?
Leverage on XTB depends on the asset class and is capped according to international regulatory standards. For retail clients, the typical maximums are 1:30 for forex, 1:20 for indices, 1:10 for commodities, 1:5 for stocks and ETFs, and 1:2 for cryptocurrencies.
How does XTB make money?
XTB primarily earns money through variable spreads on trades, as well as small commissions on stock and ETF trades above a certain turnover threshold. Additional revenue comes from currency conversion fees and inactivity fees if no trades are made for 12 months.
Who is behind XTB?
XTB is a publicly listed global broker, headquartered in Poland and regulated by several top-tier authorities, including the FCA, CySEC, and KNF. The company is managed by a professional team with years of experience in online trading and financial services.
When was XTB launched?
XTB was founded in 2002 and has grown into one of the leading forex and CFD brokers in the world. It is known for its user-friendly trading platform, competitive pricing, and broad asset selection.
Does XTB offer copy trading or social trading?
XTB does not provide built-in copy trading or social trading features for individual users. All trading is self-directed, though the broker offers an extensive library of educational content and research tools to support your trading decisions.
How can I contact XTB’s customer service?
You can reach XTB’s customer service via phone, email, or live chat. Support is available 24 hours a day, 5 days a week (Monday to Friday), and English language assistance is available for Canadian users.
Does XTB offer any promotions or referral programs?
XTB occasionally runs promotional campaigns or referral programs, but these are not standard features and may not be available to Canadian clients due to regulatory considerations. For the most current information, consult XTB’s official site or their support team.
Does XTB offer staking or earn rewards on crypto?
No, XTB does not offer crypto staking, lending, or earn programs. Crypto exposure on XTB is provided through CFDs, which means you do not own the underlying coins and cannot earn rewards on them.
Does XTB provide insurance or proof-of-reserve for customer funds?
XTB client accounts held under EU and UK regulators benefit from investor compensation schemes like FSCS or ICF. However, these protections may not apply to Canadian residents using international entities. Proof-of-reserve mechanisms for crypto CFDs are not provided.
