Question 1

What regulatory bodies oversee XTB, and how do they ensure investor safety?

Accepted Answer

XTB is overseen by multiple top-tier regulatory bodies, including the FCA (United Kingdom), CySEC (Cyprus), BaFin (Germany), CNMV (Spain), KNF (Poland), and IFSC (Belize). These regulators enforce strict financial standards, client fund segregation, and offer compensation schemes (e.g., FSCS up to £85,000 in the UK, ICF up to €20,000 in Cyprus) to protect retail investors in the event of broker insolvency. All XTB entities segregate client funds, and most offer negative balance protection, ensuring losses are capped at the deposited amount.

Question 2

What are the trading costs and fees associated with trading with XTB?

Accepted Answer

XTB offers competitive fees, with spreads generally in line with industry averages, particularly tight on EUR/USD. The highly-regarded Standard Account offers commission-free trading with spreads starting from 0.8 pips. The Pro Account features tighter spreads from 0.1 pips but includes a commission of $3.50 per standard lot per side. Non-trading fees include a €10 monthly inactivity fee after 12 months of no account activity. While XTB does not charge for most deposits and withdrawals above certain thresholds (£60, €80, or $100), currency conversion fees and potential e-wallet transaction fees may apply.

Question 3

Is XTB beginner-friendly, offering robust educational resources and a user-friendly platform?

Accepted Answer

Yes, XTB is considered very beginner-friendly. It provides a user-friendly and intuitive proprietary trading platform, xStation 5, available across desktop, web, and mobile devices. XTB offers a wealth of educational materials, including comprehensive articles, video courses from industry experts, and platform tutorials designed for all levels. A 30-day demo account is available, allowing beginners to practice trading strategies in a risk-free environment before committing real capital.

Question 4

What trading platforms and tools does XTB provide to its clients?

Accepted Answer

XTB offers its proprietary xStation 5 platform, praised for its intuitive design and advanced features. It is available as a downloadable desktop application (Windows and Mac), a web-based platform, and a mobile app (iOS and Android). The platform includes advanced charting tools with 46 indicators and 20 drawing instruments, depth of market (DOM) data, sentiment heatmaps, stock scanners, a trader's calculator, and real-time performance statistics. It supports one-click trading and trading directly from charts, but notably does not support third-party platforms like MetaTrader.

Question 5

What types of accounts are available at XTB, and what are their key features?

Accepted Answer

XTB offers a Standard Account suitable for most traders, featuring floating spreads starting from 0.8 pips with no commission. A Pro Account is available for experienced traders, offering tighter spreads from 0.1 pips plus a commission. Islamic (swap-free) accounts are also available in certain regions. A 30-day demo account is provided for practice. All accounts benefit from segregation of client funds and negative balance protection (except offshore entities), with $0 minimum deposit requirement for new accounts.

Question 6

What financial instruments can be traded with XTB, and what are the leverage options?

Accepted Answer

XTB provides access to over 10,000 tradable instruments, including CFDs on forex (71 pairs), indices, commodities, cryptocurrencies, shares, and ETFs. Additionally, clients can trade real exchange-traded stocks and ETFs. Maximum leverage varies by regulatory region and account type, generally capped at 1:30 for retail clients in the UK and EU under Tier-1 regulation. International and professional clients may access higher leverage up to 1:500.

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