XTB review
Companies House 07227848 identifies XTB Limited, founded in 2004.
Authorised by the FCAFRN 522157on the register since 17 Jan 20119 clone firms on the register
In this XTB review, we cover XTB Limited, the UK firm authorised under reference 522157 since 17/01/2011. You can trade shares, and over 2,600 contracts for difference, or CFDs for short. These follow prices without you owning the asset. Know this before you start: 74% of retail accounts lose money here. 9 clone firms copy its register details.
- Regulatory status
- Authorised, FRN 522157
- Loss-making retail accounts
- 74% (read on 2 Nov 2026)
- Forex CFDs (all pairs): from spread
- 0.8 pips
- Smallest deposit
- No minimum
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Trading CFDs with this provider means 74% of retail investor accounts lose money. You should consider whether you can afford to face a high risk of losing your money and whether you know how CFDs work.
XTB's own wording, read 2 Nov 2026, comes from xtb.com.
How XTB compares on loss rate with the wider field
Where XTB stands on the FCA register
Since 17 Jan 2011, XTB Limited has been authorised by the FCA, FRN 522157, and holds client money.
| Firm | XTB Limited |
|---|---|
| FRN | 522157 |
| Status | Authorised |
| Authorised since | 17 Jan 2011 |
| Companies House | 07227848 |
| Address on the register | One Canada Square, Level 9, Office 9.14, Canary Wharf, London, E14 5AA, UNITED KINGDOM |
| Website on the register | https://www.xtb.com/en |
Other XTB firms on the register
- Since 31 Dec 2020, XTB LIMITED has been cancelled; FRN 595249.
Clone firms on the register
The FCA register includes 9 clone firms that copy this firm's name or details., and none of them is XTB Limited.
- Added 02 Aug 2019: TBFX Limited, a clone of an FCA authorised firm.on the register from 02 Aug 2019
- Added 19 May 2022, the entry for XTB Coin Trading reads Clone of FCA authorised firm.on the register from 19 May 2022
- Bluebird Options Limited, a clone of an FCA authorised firm, was added on 01 Oct 2020.on the register from 01 Oct 2020
- Added 21 Oct 2020: Capital24 Option, a clone of an FCA authorised firm.on the register from 21 Oct 2020
- Listed 15 Mar 2021, XTB GROUP is marked as a Clone of FCA authorised firm.on the register from 15 Mar 2021
- Its 25 Mar 2021 listing names House24 Trades Limited as a Clone of FCA Authorised Firm.on the register from 25 Mar 2021
- Added 28 Dec 2023: XTB Trading World (Clone of FCA Authorised Firm).on the register from 28 Dec 2023
- XTB-USDT, Clone of FCA authorised firm, was added 07 Feb 2023.on the register from 07 Feb 2023
- XTB Limited was added on 13 Aug 2024 and is a clone of an FCA authorised firm.on the register from 13 Aug 2024
Check that you are on the genuine website
XTB Limited's site appears as www.xtb.com/en in the register. Enter it yourself instead of following an advert, email or message link. Check FRN 522157 in the register listing.
Source: FCA Financial Services Register, read 4 Nov 2026
What XTB charges in spreads and commission
Your CFDs cost £0 in commission because the spread between buying and selling prices includes your cost. Standard forex spreads begin at 0.8 pips, a tiny currency price movement, while converting currency costs 0.5%.
| Market | Account | As stated | Spread |
|---|---|---|---|
| Forex CFDs (all pairs) | Standard (single account) | From | 0.8 pips |
On 2 Nov 2026, this was read: xtb.com/en/forex.
Other fees
| Inactivity | No account maintenance fee for any active client, whatever their account balance |
|---|---|
| Currency conversion | 0.5% |
| Deposits | XTB charges no fees, although payment providers might charge them.) |
| Withdrawals | free |
On 2 Nov 2026, this was read: xtb.com/en/account-and-fees.
Deposits and withdrawals
| Minimum deposit | No minimum. no minimum deposit |
|---|---|
| Ways to deposit | Cards, Bank transfer |
| Ways to withdraw | Bank wire, Card |
| Withdrawal time | handled within up to 3 working days; bank wires and card payments need up to 3 working days to allocate |
On 2 Nov 2026, this was read: xtb.com/en/account-and-fees.
Products, markets and leverage
| CFDs | Yes |
|---|---|
| Share dealing | Yes |
| Markets | 11,900+ instruments (2600+ leveraged CFD instruments) |
| Retail leverage | Up to 1:30 for retail clients on major forex pairs |
From xtb.com/en/about-us, read 2 Nov 2026.; from xtb.com/en, read 2 Nov 2026.; from xtb.com/en/education/forex-trading-in-the-uk, read 2 Nov 2026.
XTB trading platforms
| Own platform | XTB platform (xStation) |
|---|---|
| Demo account | Yes |
From xtb.com/en/platform, read 2 Nov 2026.; from xtb.com/en, read 2 Nov 2026.
Your protection if the firm runs into trouble
| FSCS | XTB Limited is a UK firm authorised by the FCA, so if it fails and owes you money, you may get cover from the Financial Services Compensation Scheme of up to £85,000 per person. |
|---|---|
| Negative balance protection | Yes, as the broker states |
| Client money | The register shows permission to hold client money |
Sources: fscs.org.uk/what-we-cover/investments, read 2 Nov 2026.; xtb.com/en/forex, read 2 Nov 2026.
Tax on the products traded here
Capital Gains Tax covers XTB's CFD gains, and there's no spread betting account on offer. Read more in CFD tax in the UK.
Accounts without swaps, customer support and the mobile app
| Support | Email, chat and phone are available 24 hours a day during 5 weekdays each week. |
|---|---|
| iPhone app rating | On the UK App Store, 2 Nov 2026, 1,977 ratings gave it 4.66 out of 5. |
Sources: xtb.com/en/about-us, read 2 Nov 2026.; itunes.apple.com/lookup, read 2 Nov 2026.
The official XTB website
Put XTB next to another broker
Other options besides XTB: other FCA authorised CFD brokers
Each firm sits in A to Z order, with none ranked above another.
Common questions answered
What's the lowest deposit for XTB in the UK?
There's no required starting balance because the minimum deposit is £0. You can fund your account by card or bank transfer when you're ready. XTB doesn't charge a deposit fee, but your bank or card provider might.
How quickly can you withdraw money from XTB?
Your request is dealt with within up to 3 working days. Bank wires and card payments then reach your account in up to 3 working days. XTB won't charge you a withdrawal fee for either method.
Does XTB offer a demo account?
Yes, you can practise on a forex demo account before risking real money. Need help while you test? Support is open 24 hours a day across the five weekdays. The team can be reached on the phone, in chat or by email.
What platforms are available for trading at XTB?
You place your trades on xStation, XTB's own platform, which covers over 11,900 instruments. For iOS, the app called XTB Online Investing scores 4.66 across 1,977 reviews.
What is the maximum leverage for UK retail clients?
For retail clients, major forex pairs offer up to 1:30. Leverage lets you control a larger trade with a smaller deposit, which multiplies both your profits and your losses. Negative balance protection comes with your account, which means your losses can't exceed the money you've put in.