Is XTB good for investing?
Independent review by Boring Money
Investment expert’s opinion
This could be like catnip to more experienced traders. The app is busy and information-rich with a Hot section showing currencies, commodities, stocks, and more, alongside sentiment trackers, candlestick charts and research. This service has CFDs (hardcore derivate-based things) alongside more vanilla options so buyer beware. Not one for beginners. If you can resist the urge to get carried away, the costs for buying and holding UK shares and ETFs here are next to nothing, the interest on cash is super competitive and the News section is punchy for those who like to keep their fingers on the pulse.
*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments here.
Who is XTB?
XTB is an international online trading platform founded in 2004 in Poland, now operating in multiple countries across Europe, South America and MENA. It's a well-established broker known for its comprehensive trading solutions, particularly in CFD trading and forex markets. It currently serves over 1.2 million customers worldwide.
Who is XTB good for?
Pros and cons
Investments
UK and Foreign Shares |
ETFs |
XTB's Investment Plans |
XTB's Investment Plans facilitate passive investment strategies through ETF-based portfolio construction. Account holders may configure automated investment schedules by selecting from 1330+ available ETFs. The platform enables commission-free trading for monthly transaction volumes up to EUR 100,000.* Smart Save Plans provide a cost-efficient mechanism for achieving portfolio diversification across multiple market segments.
*For monthly turnover equivalent up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP). 0.5% currency conversion cost may apply. Your capital is at risk. The value of your investments may go up or down.
Accounts
XTB offers a Stocks & Shares ISA and a General Investment Account
Stocks & Shares ISA | Pension (SIPP) | General Investment Account (GIA) | Lifetime ISA | Junior ISA |
✔ | X | ✔ | X | X |
Fees and charges
XTB keeps things simple with no account fees or dealing charges. The only regular fee is a 0.50% charge on foreign exchange transactions. Withdrawals are free for amounts over £50, but you'll pay a £5 fee if withdrawing £50 or less.
See how much it would cost you
Use the handy calculator below to calculate the cost of an account. Just select which type of account you want to use, type in the amount you want to invest and - hey presto! - our calculator will give you an estimate of how much it costs. Please note estimated fees are calculated excluding promotional offers.
Step 1. Select account type.
Step 2. Enter the amount you are looking to invest.
Estimated fees:
£0.00
+ Investment fees
Cost shown is the administration fee only. There may be additional third-party investment or fund fees, which depend entirely on what you pick. Expect these to add about 0.25% to 1% a year to the total cost.
The boring disclaimer bit
This is a free resource for our readers. We’ve tried really hard to ensure that these calculations are correct and can promise you there’s no monkey business or favouritism going on. But please don’t rely on these calculations without double checking yourself. If you do think you have seen an error please contact community@boringmoney.co.uk and help us to make this better. More information on the assumptions we've used to calculate these investment fees can be found here.
Customer reviews
Your opinion matters!
Leave a review for XTB
21 July 2025
The plateform is OK, and it all looks quite perfect when trading there. Problem is : they inflict huge volatilities from time to time, which we DO NOT see on other plateforms (same product traded, same time, same everything). This generates big losses even when stop loss are well set and well before the lows or highs they inflict with those crazy volatilities. RUN !
Most asked questions
Is XTB safe?
xtb is authorised and regulated by the Financial Conduct Authority (FCA). If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the Financial Services Compensation Scheme (FSCS). The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation.
Can I invest in US stocks with XTB?
Yes, XTB offers stock trading across multiple international markets, including UK, US, and European exchanges.
What is xStation?
XTB's proprietary trading platform, is designed to offer advanced charting, quick execution, and comprehensive trading tools.
Glossary
Not 100% sure you understand something we’ve written in this review?
Discover jargon-free definitions of the most common words and technical terms used in the world of investing.
Risk warning
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
*For monthly turnover equivalent up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP). 0.5% currency conversion cost may apply. Your capital is at risk. The value of your investments may go up or down.
All information in this review correct as at 01/02/2025.
