XTB review
Updated October 17, 2026 · HodlCue Editorial Team
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Our verdict
XTB provides access to FX, indices, shares, commodities and crypto through an app based trading platform with market research and education. For investors who want many CFD and securities markets in one place with manager support, it offers a focused trading home.
Key facts
Pros and cons
Pros
- Access to more than 2100 markets across FX, indices, shares and commodities
- More than 2700 instruments plus thousands of CFD opportunities in one app
- Built in news alerts, courses and research tools support market decisions
Cons
- Focus stays on FX and CFD trading rather than wider everyday banking
- Choice is structured around three account types with manager support
Who it suits
- Traders interested in FX, indices and shares
- Investors wanting crypto alongside traditional markets
- Learners valuing courses and market research tools
Who should look elsewhere
- People seeking everyday banking services
The company behind it
It is headquartered in Canary Wharf, London and regulated by the FCA. The group has built a reputation for transparency and speed of execution. It runs an advanced platform offering FX, indices, shares, commodities and crypto. The business serves group clients worldwide through app based trading and dedicated account managers.
Oversight by a financial regulator
The group is regulated by the Financial Conduct Authority and is headquartered in Canary Wharf, London. Being overseen by a major regulator gives clients a clear reference point for how the business must behave when it handles investments on their behalf. The group has built its name on openness about how trades are carried out and on carrying out orders at speed. Anyone deciding whether to use the service can check the firm's status with the regulator directly. Clients can review the firm's registered details whenever they want.
Crypto alongside other investments
Crypto can be bought and sold at any hour, within the same trading environment used for shares, indices and commodities. Securities from European and American markets are part of the range, and a large selection of leveraged products sits alongside them. Keeping digital assets with other holdings means people can watch several markets in one view. The approach suits those who prefer their investments to sit together rather than across several providers. People who like to switch between investments quickly may appreciate having everything in one environment.
How crypto is held
Crypto on this platform is held in a custodial arrangement, which means the firm rather than the client holds the coins on the account. This makes buying and selling simpler, since no separate wallet needs to be set up first. Clients who want to hold coins under their own control will need a different arrangement. Understanding the custody model is useful before deciding how much to keep with the firm at any one time. Clients who expect to move coins off the platform should plan that step carefully.
Learning and research resources
Clients can use educational courses that range from introductory lessons to more advanced material, all available within the trading environment. Market research tools and news alerts help people keep track of developments that might influence values. Each client is assigned a dedicated account manager who provides guidance through their trading journey. These resources are aimed at people who want to build knowledge alongside their investing. These resources sit alongside the trading tools rather than separate from them, which keeps learning close to action.
How XTB compares
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9.5 vs 9.5
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9.5 vs 9.0
9.5 vs 8.9- 9.5 vs 8.8
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Where XTB is available
- Licence in Cyprus
- Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 259400HM2TR4U3LF5D43), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What markets does XTB cover?+
XTB covers FX, indices, shares, commodities and crypto through its trading platform. The range includes more than 2100 financial markets and thousands of CFD instruments. Securities from the EU and USA sit within the wider selection.
Who is XTB suited for?+
XTB suits people interested in FX and CFD trading across global markets. It also suits investors who want crypto assets held alongside other investments. Learners who value courses and research tools may find the approach helpful.
Where is XTB based?+
XTB operates as a European FX and CFDs brokerage group with headquarters in Canary Wharf, London. It presents itself as a global participant in online trading. The group emphasises transparency and speed of execution across its platform.
Is the business regulated?+
Yes, the group is regulated by the Financial Conduct Authority. Its headquarters sit in Canary Wharf, London, and it serves clients across the world. Clients can look up the firm's regulatory status to confirm how it is overseen. The firm's oversight gives clients a clear reference point.
Does XTB charge a monthly fee?+
The monthly fee at XTB is £0. (Source, checked September 26, 2026)
Which company operates XTB?+
XTB is operated by XTB Limited. (Source, checked September 26, 2026)
How can I contact XTB support?+
XTB offers support through Email, Chat, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Regulators, Licences
“ae_homeMemberState=CY”
- xtb.com checked September 26, 2026
Backs: Derivatives, Exchange type
“CFDs: Bitcoin, Uniswap, Ripple, Dogecoin”
- xtb.com/cy/account-and-fees checked September 26, 2026
Backs: Fiat deposit methods, Maker fee, Taker fee, Withdrawal fee
“Deposits - Free - Stocks and ETFs investing commission free for monthly turnover up to 100 000 EUR/USD”
- xtb.com/cy/contact checked September 26, 2026
Backs: Support channels
“Chat with us, send an email, or give us a call”
- xtb.com/cy/crypto checked September 26, 2026
Backs: Coins listed, Features
“45+ crypto - Invest in real Bitcoin, Ethereum, Solana and other crypto”
- xtb.com/en/account-and-fees checked September 26, 2026
Backs: Monthly fee
“Account opening and maintenance - Free for all active clients”
Compiled from 6 source pages, checked October 17, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.