Independent broker review · Updated June 11, 2026
XTB: 0% commission stocks & ETFs, xStation platform? My 2026 review
The broker that popularised 0% commission on stocks and ETFs, backed by an award-winning platform and multi-jurisdiction regulation.
The investor who wants commission-free stocks and ETFs
Our take
My take on XTB
XTB started in Warsaw in 2002 and now trades on the Warsaw Stock Exchange, with hundreds of thousands of clients spread across Europe, Latin America and the Middle East. What put it on the map was a simple, loud idea: 0% commission on stocks and ETFs, up to $100,000 of trades a month. That pricing reset what a lot of retail investors thought they had to pay to own shares.
The first thing I noticed signing in is how little gets in the way. The fees are about as low as they come, xStation is genuinely pleasant to use rather than a chore, and the education and research run deep enough that you keep coming back to them. It is rare to find all three sitting together at this price, and that is exactly why XTB earns its place here.
“0% commission on stocks and ETFs, an award-winning platform and multi-regulator oversight, all in one place. Few low-cost brokers pull off that combination as cleanly as XTB. ”
— Roch de Montesquieu, Research Analyst · Fees, Data, Transparency
Why trust HelloBrokers?
This review is not a copy-paste of XTB's marketing page. We tested the platforms, modelled the cost of a typical trade down to the pip, and benchmarked XTB against the 13 brokers in our comparison. A broker is judged on verifiable figures, not marketing promises.
The essentials
XTB at a glance
Key characteristics, verified on June 11, 2026.
Safety & regulation
Is your money safe?
XTB is no offshore shell. It runs as a multi-entity group authorised in several serious jurisdictions, starting with Poland's KNF, its home regulator, then the UK's FCA, CySEC in Cyprus and the DFSA in Dubai. Spreading oversight that wide is unusual for a broker that charges so little, and it is a big part of why I trust it for an international audience. The protections you would want are all in place. Client money sits in segregated accounts, negative balance protection covers leveraged products, and two-factor authentication takes seconds to switch on. The Trustpilot rating, around 4/5, lines up with what clients say day to day.
🔒 HelloBrokers safety score: 4.7 / 5
Fees & spreads
What does it really cost?
Its cost against the average of the brokers we track (shorter bar = cheaper).
The pricing is where XTB really shows off. You pay 0% commission on stocks and ETFs up to $100,000 of trades a month, and only 0.2% beyond that (minimum $10). Withdrawals cost nothing, the minimum deposit is a token $1, so there is no real barrier to opening an account, and any cash you leave uninvested earns interest at a competitive rate.
Two figures are worth filing away, both common to international brokers. There is a 0.5% currency conversion when you trade a market priced outside your account's base currency, and a $10/month inactivity fee that only kicks in after a full year without a transaction. For anyone who invests with any regularity, the running cost stays among the lightest I have seen.
| Account | Min. deposit | Spread from | Commission |
|---|---|---|---|
| Investment account Real stocks and ETFs held directly. The core account for the long-term investor. | $1 | 0% commission (stocks & ETFs) | 0% up to $100,000/month, then 0.2% (min $10) |
| Derivatives account Forex, indices, commodities and crypto via leveraged products on xStation 5. | $1 | 0.8 pip (EUR/USD) | Built into the spread (no separate commission) |
See spreads by asset in detail
| Asset | Raw account | Standard account |
|---|---|---|
| EUR/USD | 0.8 pip | spread only, no commission |
| GBP/USD | 1.1 pip | spread only, no commission |
| USD/JPY | 1.2 pip | spread only, no commission |
| Gold (XAU/USD) | 0.30 pt | spread only, no commission |
| US 100 (Nasdaq) | 1.0 pt | spread only, no commission |
| Stocks & ETFs | 0% commission | Up to $100,000/month, then 0.2% (min $10) |
Instruments & markets covered
Instruments & markets covered
The reach here is wide. You can own more than 7,000 stocks and 1,900 ETFs outright, and on top of that sits a deep bench of leveraged products: 2,000+ stock derivatives, 71 currency pairs, 27 commodities, indices and around forty cryptocurrencies through derivatives. It all runs through xStation, an award-winning platform that traders keep praising for how much it does and how cleanly it does it.
Crypto exposure goes through derivatives rather than direct custody, which is worth knowing before you size a position. Beyond that, the catalogue covers far more ground than most stock and ETF strategies will ever need, and the thousands of real holdings on offer leave plenty of room to build whatever portfolio you have in mind.
See instruments by class in detail
| Asset class | Count | Examples |
|---|---|---|
| Stocks | 7,000+ | Global stock exchanges, 0% up to $100,000/month |
| ETFs | 1,900+ | Direct, commission-free up to the monthly threshold |
| Stock derivatives | 2,000+ | Leverage capped for retail |
| Currencies / Commodities | 71 pairs · 27 commodities | Competitive spreads on indices |
| Cryptocurrencies | ~40 | Via derivatives only |
What XTB offers
Capabilities, in plain terms
Covered, partial or not covered. No spin.
- Cash stocks / securities account ✓ Yes 7,000+ real stocks held directly
- ETFs ✓ Yes 1,900+ ETFs, commission-free up to the monthly threshold
- 0% commission on stocks & ETFs ✓ Yes Up to $100,000 of trades per month
- Interest on uninvested cash ✓ Yes Competitive rate on idle balances
- Currencies, indices and commodities ✓ Yes 71 pairs, 27 commodities, indices via derivatives
- Cryptocurrencies ~ Partial Via derivatives, no direct custody
- Unlimited demo account ✓ Yes Free, on xStation 5
- xStation 5 platform ✓ Yes Award-winning, web and mobile
Trading platforms
Trading platforms
-
xStation 5
- Award-winning proprietary platform, no third-party bridge
- Web and desktop, fully synced
- Built-in market research, news and stock screener
- Trading calculator and integrated performance stats
-
xStation Mobile
- Full-feature iOS and Android app
- Price alerts and one-tap order entry
- Charts and indicators carried over from desktop
- Biometric login and 2FA
Who this broker is for
Who this broker is for
-
Long-term ETF investor
0% commission on 1,900+ ETFs up to $100,000/month, real holdings, a $1 minimum deposit and interest on uninvested cash. An ideal environment to build a low-cost buy-and-hold portfolio of stocks and ETFs.
-
Active trader
Award-winning xStation 5, 71 currency pairs, indices and commodities via derivatives, fast execution and a deep research suite. Spread-only pricing with no separate commission on leveraged products.
-
Beginner
A free unlimited demo on xStation 5, a $1 minimum deposit, plain commission-free stock and ETF pricing, plus one of the deepest education libraries in the sector. A reassuring place to learn before going live.
Comparison
XTB vs other brokers
The right choice depends on your profile. Here is how XTB stands against the brokers we feature.
① The HelloBrokers ranking
overall score /5 · click to read the review
Eightcap 🏆 Editor's choice 4.9 Read the review → #2 
eToro 👥 The social trading leader 4.8 Read the review → #3 
Vantage 💎 Excellent value for money 4.8 Read the review → #4 
Avatrade 🎯 Versatile and complete 4.8 Read the review → #5 
XTB Commission-free stocks 4.6 You are here ② Cost / quality positioning
HelloBrokers score × fee levelQualitative positioning based on our scores and pricing grids. Top right = high score for low fees.
What users say
What clients are saying
Synthesis of public reviews. Representative excerpts, abridged.
xStation is smooth and fast, and withdrawals arrive quickly with no fees.
Trustpilot review · client for 2 years
xStation easily matches paid platforms, and the 0% on stocks and ETFs is real.
Reddit sentiment · paraphrased
The verdict
The verdict
XTB is one of the names I measure other brokers against. Put 0% commission on stocks and ETFs next to a multi-regulator footprint and an award-winning in-house platform, and you get something that serves the long-term investor and the active trader equally well, without asking either to compromise.
Our 9.0/10 rating reflects just how hard that mix is to beat on cost. If your plan is to build a low-cost, commission-free portfolio of stocks and ETFs, XTB sits right at the top of our selection, and after using it I understand why it keeps ending up there.
Get started
Welcome offer
Free, unlimited demo account on the xStation 5 platform
✨ Reduced fees via HelloBrokers
Welcome offerSponsored link · we earn a commission when you open an account at XTB through this link.
Related pages
Related pages
Where XTB stands out, and brokers to compare.
Frequently asked questions
FAQ XTB
Is XTB reliable?
Yes. XTB is a publicly listed broker on the Warsaw Stock Exchange, founded in 2002, and regulated across several jurisdictions, the KNF (Poland), the FCA (UK), CySEC and the DFSA. Its Trustpilot rating is solid (≈ 4/5). This multi-regulator footprint makes it one of the more credible international brokers.
Why choose XTB?
For its unbeatable fees: 0% commission on stocks and ETFs (up to $100,000/month), plus an award-winning platform (xStation) accessible to beginners and seasoned profiles alike.
What are the fees at XTB?
0% commission on stocks and ETFs up to $100,000/month, then 0.2% (min $10). Free withdrawals, $1 minimum deposit. Note: 0.5% currency conversion and $10/month inactivity after a year without a transaction.
Who is XTB for?
It fits a wide range of investors. The long-term investor gets commission-free stocks and ETFs, while the active trader gets leveraged products and the xStation platform, all under one roof.
Is it easy to withdraw from XTB?
Yes, withdrawals are free and simple. It is one of the points users appreciate, along with responsive multilingual customer service.
Sources
- XTB pricing terms — xtb.com, fees and conditions, accessed 5 June 2026
- Regulatory authorisations — XTB group entities (KNF Poland, FCA UK, CySEC, DFSA)
- Trustpilot, XTB — ≈ 4.0/5 across ~1,950 reviews, June 2026 snapshot
The author of this review
Who wrote this analysis?