XTB Reviews
Multi-asset broker with crypto Contracts for Differences, stocks, ETFs, savings plans and a mobile trading app.
XTB Rating
Our Opinion
XTB stands out as an established, publicly listed multi-asset broker with more than 20 years of market experience and over 2.9 million clients. Its main strengths are a clear, easy-to-use interface and an unusually broad offering of more than 12,800 instruments, including more than 40 crypto Contracts for Differences alongside real stocks, ETFs, forex and commodities. The 0% commission on stocks and ETFs up to €100,000 in monthly volume, the XTB card and payment account, locally regulated European branches with support in the local language, and the depth of educational material all add to its appeal.
The key thing to understand is how XTB offers crypto: as Contract for Differences rather than as actual coins. That's a deliberate product design, not a defect: Contracts for Differences let you go long or short with leverage and built-in risk controls. But it does mean you never own the underlying crypto and can't move it to a personal wallet. For real crypto assets, the Cypriot entity XTB Limited has held a MiCA authorisation from CySEC since December 2025; XTB S.A., which serves clients in Germany, France and Spain among others, still offers crypto as Contracts for Differences. If your goal is self-custody or long-term holding of real coins, a dedicated crypto platform fits better; if you want regulated, flexible price exposure within a single multi-asset account, XTB's approach is a sensible match. Some users also note room for improvement in support responsiveness and app stability.
Overall, XTB is best suited to investors who want a regulated, broadly positioned broker with locally supervised European branches, strong stock and ETF conditions, and integrated crypto Contracts for Differences trading, and who value a simple, clear and intuitive interface over direct crypto ownership.
**Contracts for Differences are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with the EU entity XTB Limited, and 74% with XTB UK. You should consider whether you understand how Contracts for Differences work and whether you can afford to take the high risk of losing your money.
Pros & Cons
- Broad multi-asset offering: more than 40 crypto Contracts for Differences plus more than 12,800 instruments across stocks, ETFs, forex, commodities and indices
- Long and short crypto positions with leverage up to 1:2, plus stop-loss and take-profit
- 0% commission on real stocks and ETFs up to €100,000 in monthly trading volume
- Established, publicly listed broker with 20+ years of history and multi-regulator oversight
- Locally regulated European branches with support in the local language, plus extensive educational resources
- Crypto is offered only as Contracts for Differences: no option to buy and hold real coins, so XTB suits traders seeking price exposure rather than investors wanting to own and withdraw crypto
- Because positions are Contracts for Differences, transferring crypto to a personal wallet isn't possible (expected for this product type, but a limitation if self-custody is your goal)
- 77% of retail investor accounts lose money when trading CFDs with XTB Limited (EU); at XTB UK the figure is 74%
User Experiences
AI Analysis248 analyzed reviewsOur AI collects and analyzes user reviews of XTB from the web and summarizes the key findings.
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.
Users mostly describe the app as clear, well structured, and easy to use. Verification is perceived by some users as quick, which makes getting started easier. In some cases, the registration process is described as confusing.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. 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.
Preview
Features
Feature Scope
Highlights
- More than 20 years on the market and over 2.9 million customers
- Interest on uninvested balances in different currencies
- XTB Card and payment account as additional features for private customers
- New: more than 180 options on US stocks and ETFs
Tradeable Assets
- Cryptocurrencies as Contracts for Differences - 39 in total (e.g. Bitcoin, Ethereum)
- Stocks, ETFs, Forex, commodities, indices and options
Trading Options
- Crypto Contracts for Differences trading with long/short positions, leverage up to 1:2, plus stop loss and take profit
- ETF-based savings plans as well as trading via app and web platform
About XTB
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