XTB — where it wins, where it loses
XTB wins on entry cost. No column in our set puts it behind the field. Priced across ten round-turn EUR/USD lots it comes 8 of 39 in this field.
Column by column
The split
Two lists, no averaging. A broker that takes a column outright appears on the left of it; one that gets beaten on a column appears on the right. Nothing is scored into a single number, because a single number hides which side you actually care about.
Wins on
- entry cost
Loses on
No column in this set puts XTB behind the field.
Cost per 10 lots is the EUR/USD spread cost of ten round-turn standard lots at the figure above, commission excluded. Where a broker publishes a "from" spread rather than an average, the comparison inherits that limitation — see the unconfirmed list further down.
Licensing
Which entity, which regulator, which number
Tier decides how much weight a licence carries in any safety column. Each row links to the page it was read from.
| Regulator | Number | Jurisdiction | Tier | Entity | Read from |
|---|---|---|---|---|---|
| KNF | DDM-M-4021-57-1/2005 | Poland | Tier 2 | XTB S.A. | xtb.com |
| FCA | 522157 | UK | Tier 1 | XTB Limited | register.fca.org.uk |
| CySEC | 169/12 | Cyprus | Tier 2 | XTB Ltd (Cyprus) | cysec.gov.cy |
Checkable
Facts the comparison runs on
On the record
- XTB was founded in Poland in 2002 as X-Trade and is headquartered in Warsaw.
- XTB S.A. is listed on the Warsaw Stock Exchange under the ticker XTB.
- XTB Limited is authorised and regulated by the FCA under firm reference number 522157.
- XTB states it does not set a minimum initial deposit for a trading account.
- XTB clients trade on the firm's proprietary xStation 5 platform; XTB withdrew MetaTrader 4 support in 2021.
| Trading since | 2002 |
|---|---|
| Base | Warsaw, Poland |
| Minimum to open | None |
| Leverage cap | 1:30 (UK/EU retail) |
| EUR/USD | 0.50 pips |
| Terminals | xStation 5 (proprietary web/desktop), xStation Mobile |
| Account tiers | Standard, Professional |
| Markets | Forex, Indices, Commodities, Shares, ETFs, Cryptocurrency (selected regions) |
| Record confidence | high |
| Matchup-ready | yes — enough public cost data to run a head-to-head |
Excluded from the maths
Not verified
Not verified
These fields are not confirmed. They are shown as gaps, not filled in, and they do not feed any column of the matrix:
- EUR/USD 0.5 pips is a widely reported Standard-account figure, not a regulator-verified average
Costs less
Who beats XTB on price
Tickmill
$10.00 per 10 lots · wins on headline spread, platform choice
Eightcap
$10.00 per 10 lots · wins on regulatory reach
JustMarkets
$30.00 per 10 lots · wins on headline spread
CMC Markets
$50.00 per 10 lots · wins on headline spread, no minimum deposit, regulatory reach, platform choice
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74% and 89% of retail investor accounts lose money. Verify every figure with the broker before opening an account.