XTB combines a Warsaw-listed brokerage group with a UK platform for investing and leveraged trading. UK customers can hold stocks and ETFs, build investment plans and use a flexible Stocks and Shares ISA, alongside a distinct CFD service. The legal form of each product determines whether the account holds securities, fractional rights or a derivative.[13][14][9]
Accounts & headline costs
Sections ↑Account comparison01
UK account and product choices
| Service | Published terms |
|---|---|
| Standard investing | Underlying stocks and ETFs; share investments from £1; no minimum account deposit.Source 6 |
| Fractional investments | Contractual rights to fractions of securities, distinct from ownership of a whole security.Source 9 |
| Investment plans | Up to ten stock/ETF allocation plans, starting from £15 subject to allocation; no fixed holding period.Source 13 |
| Stocks and Shares ISA | Flexible ISA in GBP; account eligibility and tax treatment depend on UK rules and personal circumstances.Source 14 |
| CFDs | Currency, index, commodity and other derivative markets; UK retail leverage up to 30:1, instrument-dependent.Source 6Source 15 |
| Account currencies | GBP, EUR and USD.Source 6 |
Products & platforms
Sections ↑Platforms & products02
xStation and mobile tools
| Function | Available tools |
|---|---|
| Access | xStation 5 browser platform; XTB mobile app for iOS and Android.Source 12 |
| Trade management | Charts, investment calculator, stop-loss/take-profit and pending orders.Source 12 |
| Research and alerts | Market news, research, sentiment information and push notifications.Source 12 |
| Learning / recurring investing | Educational courses and tools for managing investment-plan allocations and repeat funding.Source 12Source 13 |
Fees & holding costs
Sections ↑Pricing & charges03
Transaction and account costs
| Item | Published rate | Calculation or condition |
|---|---|---|
| Stocks / ETF dealing | 0% up to €100,000 monthly turnover; 0.2% thereafter | UK webpage: minimum £10; the 14 March fee schedule instead states minimum €10.Source 6Source 7 |
| CFD commission | 0% | Bid/ask spreads and applicable financing remain.Source 6Source 8 |
| Transaction FX conversion | 0.5% | When instrument and account currencies differ; CFD cash-result conversion differs from converting a security purchase.Source 8 |
| Between-account conversion | 0.5%; 0.8% on weekends/holidays | Cash transfers between different account currencies.Source 8 |
| Securities custody | 0.02% annually on average daily portfolio value above €250,000 | Fee schedule: collected monthly. UK webpage also states a £10 minimum, with no charge period; the schedule omits that minimum.Source 6Source 7 |
| Inactivity | €10 equivalent per month | Detailed UK help requires both 365 days without opening/closing a position and 90 days without a deposit.Source 8 |
| CFD overnight financing | Instrument-specific swap | Applied to overnight exposure under the instrument schedule.Source 8 |
Execution & trading rules
Sections ↑Trading & service hours04
Selected UK contract specifications
| Instrument / rule | Published specification | Time basis |
|---|---|---|
| Forex contract unit | Standard lot: 100,000 base-currency units; minimum 0.01 lot. | UK table effective 19 September 2026Source 15Source 16 |
| Forex weekly window | Sunday 23:00 to Friday 23:00; instrument breaks apply. | CET in winter / CEST in summerSource 15 |
| UK100 futures CFD | 02:00–22:00 on trading days. | CET / CESTSource 15 |
| Gold CFD | 00:00–23:00 on trading days. | CET / CESTSource 15 |
Deposits, withdrawals & transfers
Sections ↑Account comparison05
UK deposits and withdrawals
| Service | Published conditions |
|---|---|
| Deposit routes | Bank transfer and Visa/Mastercard debit or credit cards, in the client’s name.Source 10 |
| Deposit timing / fees | Cards normally instant; UK bank transfer normally one working day. XTB charges no deposit fee or minimum.Source 10 |
| Withdrawal route | A verified sole-name bank account in the client’s country of residence; joint accounts are not accepted for withdrawals.Source 11 |
| Withdrawal timing | Requests before 13:00 GMT normally processed that working day; later requests the next. Bank arrival typically 1–3 working days.Source 11 |
| Withdrawal fee / minimum | XTB charges no fee or minimum; receiving-bank charges can apply.Source 11 |
Reference table06
Moving a securities portfolio
| Subject | Published terms | Practical scope |
|---|---|---|
| Incoming | Use the app’s Transfer stocks, ETFs to XTB form and notify the existing broker | XTB charges no incoming fee; the other broker may.Source 18Source 19 |
| Outgoing | Send the completed transfer form to [email protected] | Standard fee €25 or US$25 per ISIN.Source 18Source 19 |
| Spanish-listed shares leaving | 0.10% of stock value per ISIN, minimum €100 | Separate exception to the standard fixed fee.Source 18Source 19 |
| Fractions and CFDs | Cannot transfer to another entity’s account | Transferability of whole securities does not extend to these contractual rights.Source 18Source 19 |
| Timing and acceptance | May take up to 30 days | A transfer can be rejected if the receiving firm does not support a security.Source 18Source 19 |
Transfer fees are deducted from the investment account. XTB identifies [email protected] as a channel for brokers and financial institutions, not customer enquiries; customers should use UK service or the app support channel. A portfolio transfer and an ordinary bank withdrawal are separate workflows and use different eligibility tests.[19][18]
Protection & regulation
Sections ↑For securities, the UK agreement uses pooled custody and nominee arrangements while preserving the customer’s beneficial interest. CFDs are contracts whose value follows a market price, so a share CFD does not provide the same ownership rights as buying a share. The platform presents both product categories, making the instrument type as relevant as its ticker.[9]
Protections & eligibility07
Selected providers and UK safeguards
| Provider / safeguard | Reference or treatment |
|---|---|
| XTB S.A., Poland | Parent and European branches; Polish supervision described in group disclosures.Source 4 |
| XTB Limited, United Kingdom | FCA reference 522157 in company disclosures.Source 4 |
| XTB Limited, Cyprus | CySEC licence 169/12, included in the approved-firm list checked 9 October 2026.Source 3 |
| UK retail CFDs | Segregated client funds and negative-balance protection; leverage and close-out limits apply.Source 6Source 2 |
| UK investment compensation | Eligible failed-firm claims: FSCS up to £85,000 per person per firm; excludes trading losses.Source 1 |
Company background & evidence
Sections ↑Broker essentials08
Business essentials
| Measure | Value | Context |
|---|---|---|
| Parent / headquarters | XTB S.A., Warsaw, Poland; seven European branches and separately licensed subsidiaries. | Source 4 |
| UK company | XTB Limited; company 07227848; FCA reference 522157. | Source 6 |
| UK office | Level 9, One Canada Square, Canary Wharf, London E14 5AA. | Source 6 |
| Chief executive | Omar Arnaout, as identified in the H1 2026 group report. | Source 17 |
| Ownership snapshot | XX ZW Investment Group S.A.: 27.78%; free float: 72.22%, as disclosed following 7 September 2026 notification. | Source 5 |
| Founder’s interest | Jakub Zabłocki owns 81.97% of XX ZW Investment Group; that is a stake in the holding company. | Source 5 |
Results & changes09
XTB Group: comparable first-half figures
The group reported 2,825,700 total clients at 30 June 2026. Its structure combines branches operating under the Polish parent’s authorisation with subsidiaries such as the UK and Cypriot firms, which each have their own regulatory arrangements.[17][4]
- Headquarters
- Group headquarters: Warsaw, Poland
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
XTB S.A.
PolandSource 4
No separate licence entry is recorded in this panel.
XTB Limited
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Financial Conduct Authority522157 | Not verified | Checked 9 Oct 2026Firm-published FCA reference. The entity-specific FCA page did not expose its current record when inspected on 9 October 2026. The verification label records that retrieval limit; it is not an adverse finding about the licence.Source 4Source 6 |
XTB Limited
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Cyprus Securities and Exchange Commission169/12 | Authorised | Checked 9 Oct 2026Included in CySEC’s current approved investment-firm list inspected on 9 October 2026. The list records licence 169/12, granted 18 April 2012; this does not reproduce every permission or client-country condition.Source 3 |
Sources & further reading
- Investment protection: eligibility and compensation limits Financial Services Compensation Scheme · Accessed 9 Oct 2026
- FCA confirms permanent restrictions on the sale of CFDs and CFD-like options to retail consumers Financial Conduct Authority · 1 Jul 2019 · Accessed 9 Oct 2026
- Approved Cyprus investment firms: XTB Limited and Plus500CY Ltd entries Cyprus Securities and Exchange Commission · Accessed 9 Oct 2026
- Structure of the XTB Group XTB Investor Relations · Accessed 9 Oct 2026
- Shareholding structure: notification dated 7 September 2026 XTB Investor Relations · Accessed 9 Oct 2026
- UK account terms and fees XTB Limited · Accessed 9 Oct 2026
- Fee schedule dated 14 March 2026, published through the UK /en site XTB · 14 Mar 2026 · Accessed 9 Oct 2026
- UK fees and commissions: detailed help, updated 30 April 2026 XTB Limited · Accessed 9 Oct 2026
- UK terms of business, 14 July 2026 XTB Limited · Accessed 9 Oct 2026
- UK deposit methods and processing, updated 4 May 2026 XTB Limited · Accessed 9 Oct 2026
- UK withdrawals: processing, fees and account requirements XTB Limited · Accessed 9 Oct 2026
- UK web and mobile platform features XTB Limited · Accessed 9 Oct 2026
- UK investment plans: minimums, allocation and pricing XTB Limited · Accessed 9 Oct 2026
- UK flexible Stocks and Shares ISA XTB Limited · Accessed 9 Oct 2026
- UK instrument specification table, effective 19 September 2026 XTB Limited · Accessed 9 Oct 2026
- UK instrument specification documents and effective dates XTB Limited · Accessed 9 Oct 2026
- XTB Group report for H1 2026 (report cover and contents; filename retains H1-2025) XTB Investor Relations · 28 Aug 2026 · Accessed 9 Oct 2026
- UK outward securities-transfer procedure, updated 13 October 2026 XTB · Accessed 15 Oct 2026
- UK incoming securities-transfer procedure XTB · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.