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XTB Review 2026
By Guilherme J. · Markets & broker analyst · Updated 2026-07-30 · How we rank
XTB is a real stocks + ETFs + CFDs broker offering 0% up to €100k/mo commission with a $0 minimum, regulated by FCA, KNF, CySEC, DFSA. Fractional shares: yes. Below is how it stacks up on cost, market access and safety.
Open XTB Account →Best for
European investors who want a serious platform without paying commission until their volume gets large.
Not for
Anyone who wants the simplest possible app, or who is investing outside XTB's supported markets.
Pros
- 0% commission on stocks up to €100k monthly turnover
- Award-winning xStation 5 platform
- Publicly listed and regulated
- Fractional shares
Cons
- 0.2% fee above €100k monthly turnover
- Not for US residents
What it actually costs
- 0% commission on real stocks and ETFs up to €100,000 monthly turnover, then 0.2% with a minimum.
- A currency conversion charge when trading assets denominated in another currency.
- No account or platform fee; an inactivity fee applies after twelve months of no activity and no deposits.
Is your money safe
Regulated by the FCA, Poland's KNF, CySEC and the DFSA depending on entity. Client funds are segregated, with FSCS cover to £85,000 for UK clients and the local compensation scheme in the EU. Being publicly listed also means audited accounts you can read.
Questions people ask
Is XTB commission free?
Yes on real stocks and ETFs up to €100,000 of turnover per month, which covers the large majority of retail investors. Above that it is 0.2% with a minimum charge.
Is XTB safe?
It is regulated by multiple authorities including the FCA and KNF, keeps client money segregated, and is listed on the Warsaw Stock Exchange, so its financials are public and audited.
How XTB compares
Most people deciding on XTB are weighing it against one or two others. These are the head-to-head breakdowns, each covering cost, market access and which one suits which kind of investor.
Verdict
XTB sits between the beginner apps and the professional platforms, and it is the most convincing option in that gap. Commission is zero on real stocks and ETFs up to €100,000 of turnover a month, which in practice means free for almost everyone reading this, and 0.2% after that.
xStation is the differentiator. It is a genuine trading platform with proper charting, screeners and order types, but it does not punish you for not being a professional. Most people outgrow a simple app in about a year; XTB is the one you do not have to leave.
It is also a listed company on the Warsaw Stock Exchange, which means published accounts and regulatory scrutiny that private brokers avoid. For money you are leaving somewhere for years, that transparency counts for more than a slightly slicker interface.