| 0.4 % | Fees | 0% commission; costs over the spread |
| € 4.10 | Cost for €1,000 | Not comparable (spread-based) |
| 380+ | Cryptos | 25–50 crypto CFDs |
| SEPA Instant Transfer, SEPA Transfer, PayPal, Credit Card | Payment Methods | SEPA/Bank transfer, credit/debit card, e-wallets (Skrill, Neteller – with fee) |
| - EU: MiCA - USA: CFTC - UK: FCA | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
No separate analysis -- based on Kraken.
According to the analyzed user reviews, the overall picture of XTB is mixed. Users particularly appreciate the clear, easy-to-understand interface; however, in terms of support, fees, and technical reliability, users occasionally report critical experiences.
This analysis is based on 248 user reviews analyzed by AI from the Apple App Store and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users’ experiences and do not represent the site operator’s own assessment. All information without guarantee. As of: June 2026. This comparison does not constitute investment advice.
| ✓ | Maker/Taker Model | ✓ |
| ✓ | Margin Trading | ✓ |
| ✓ | Futures/Derivatives | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Mobile App (Pro Mode) | ✓ |
| ✓ | Asset Selection | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | Cold Storage | ✓ |
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Card | ✓ |
| ✓ | Futures trading | ✓ |
| ✓ | Copy trading | ✓ |
| ✓ | Tax export | ✓ |
| ✓ | Demo mode | ✓ |
| ✓ | Education area | ✓ |
| Payward Inc. | Company | XTB S.A. |
| 2011 | Founded | 2002 |
| - EU: MiCA - USA: CFTC - UK: FCA | Regulation | Regulated by KNF (Poland), CySEC (Cyprus), FCA (UK), among others |
| € 5 | Minimum Amount | 0 € (recommended approximately 250 € for the first deposit) |
| Photo ID, VideoIdent | KYC | Photo ID, fully digital verification |