01 / The record
The record. 16 of 25 fields sourced.
Each cell is one tracked field. Lit cells carry a verified source; grey cells are pending verification. Coverage is not a score.
Licence
- VerifiedLicence number
Identity
- VerifiedName
- VerifiedLegal name
- VerifiedParent
- VerifiedFounded
- PendingHeadquarters
- VerifiedListing
- VerifiedWebsite
Trading
- VerifiedPlatforms
- PendingAccount types
- VerifiedMin deposit
- VerifiedMax leverage
- VerifiedInstruments
- PendingSpreads
- VerifiedCommissions
- PendingSwaps
- VerifiedFunding
Conduct
- VerifiedSupport
- PendingSwap-free
- PendingExecution
- PendingLiquidity providers
- VerifiedRestrictions
- PendingAccepted countries
- PendingEducation
- VerifiedClient money
02 / Licences
Licences. 2 numbers on file.
Copied from the linked page, with the entity that holds each one. A pending pass means the regulator was named without a number we could copy.
XTB Limited
522157
Financial Conduct Authority
FCA authorisation. Company number 07227848. Shown on the regulator's own register. FCA register: XTB Limited, firm reference number 522157, status Authorised since 17/01/2011; Companies House number 07227848. The same FRN is given on XTB UK account and fees page (XTB Limited footer).
RegulatorFCA Financial Services Register: XTB Limited, FRN 5221572 Nov 2026XTB Ltd (Cyprus)
169/12
Cyprus Securities and Exchange Commission
Cypriot investment firm. Licence date 18/04/2012 on the register. Shown on the regulator's own register. CySEC list shows XTB Ltd, company registration 296794, phone +357 25724350 and email office.cy@xtb.com. The XTB contact page shows the same phone for XTB Limited, Cyprus branch.
RegulatorCySEC register, Cypriot investment firms list2 Nov 2026
03 / Licence strength
Licence strength. Every term shown.
A transparent count of the regulators behind this record and the licences read on a register. It is not a safety rating, and a missing score is never a zero.
Licence strength
8points
CySEC 3 + FCA 3 + 2 register checks = 8
| Regulator | Tier | Licences | Where | Points |
|---|---|---|---|---|
| CySECCyprus Securities and Exchange Commission | T1 | 1 | Cyprus | +3 |
| FCAFinancial Conduct Authority | T1 | 1 | United Kingdom | +3 |
| Register checks | 2 | Licence numbers read on the regulator’s own register | +2 | |
| Licence strength | 8 | |||
04 / Protection by entity
Protection by entity. Rule beside statement.
For each licensed entity: the regulator's own retail rules, what the broker publishes for that entity, and links to check the register yourself.
Negative balance protectionStated
Available (UK page)
XTB UK account and fees page (XTB Limited footer)Segregated client moneyStated
Segregated funds available (UK page)
XTB UK account and fees page (XTB Limited footer)Client moneyStated
UK page lists Segregated Funds as Available and Negative balance protection as Available.
XTB UK account and fees page (XTB Limited footer)T1FCA· United Kingdom
XTB Limited
No. 522157
VerifiedRegister-checkedRetail leverage cap
Pending verification
Negative balance
Pending verification
Compensation
FSCS investment protection: up to £85,000 per eligible person, per firm, for firms failing after 1 Apr 2019.
Regulator sourceBroker-published leverage for this entity
- 1:30 (EURUSD 3.33% margin) · retailsource
T1CySEC· Cyprus
XTB Ltd (Cyprus)
No. 169/12
VerifiedRegister-checkedRetail leverage cap
EU-wide retail CFD measures: 30:1 major FX, 20:1 non-major FX, gold and major indices, 10:1 other commodities and minor indices, down to 2:1 crypto (ESMA, adopted by national regulators).
Regulator sourceNegative balance
Negative balance protection per account for retail CFD clients (ESMA measures).
Regulator sourceCompensation
Pending verification
Broker-published leverage for this entity
Pending verification
Regulator rules are quoted from official pages in our reference set (checked 2 Nov 2026); broker statements are the broker’s own and often apply to one entity or website only. Which entity holds your account is named in your client agreement.
05 / Accounts and costs
Accounts and costs. 1 account rows.
Account terms as the broker publishes them, the EUR/USD floor where the text allows a computation, leverage per entity, fees and payment rails.
| Account | Min deposit | EUR/USD spread | Commission | Floor / lot RT | Source |
|---|---|---|---|---|---|
| Standard (UK CFD conditions)XTB Limited (FCA, UK) | No minimum deposit | Pending | 0% commission on CFDs; 0.5% CFD conversion fee | Not computable | XTB UK account and fees page (XTB Limited footer) 2 Nov 2026 |
Floor = advertised EUR/USD spread × USD 10 per pip + commission for both sides, per 100,000 EUR lot. Advertised “from” or average spreads are the broker’s own figures, not measured spreads; real costs are higher when spreads widen.
Leverage by entity · broker-published maximums
- XTB Limited (FCA)1:30
1:30 (EURUSD 3.33% margin) · retailsource
Log scale shared by every record, up to the highest ratio published on file (1:10,000). Higher leverage means larger possible losses; retail caps onshore are usually far lower.
Fees and payment rails
- Inactivity fee
- Fee of EUR 10 monthly only if both apply: no position opened or closed in the last 365 days and no cash deposit in the last 90 days. Not charged while a position is open.XTB table of commissions and fees dated 29.06.2026
- Deposit fees
- XTB charges none. Payment providers or banks may charge.XTB UK account and fees page (XTB Limited footer)
- Withdrawal fees
- Free of charge. Bank transfer, card or other payment methods may carry third-party fees.XTB table of commissions and fees dated 29.06.2026
- Base currencies
- Pending verification
- Deposit methods
- Card, Bank transferXTB UK account and fees page (XTB Limited footer)
- Withdrawal methods
- Pending verification
- Support channels
- Phone, Email, ChatXTB contact page
- Support languages
- Pending verification
06 / Corporate family
Corporate family.
Who sits behind the brand: the parent when a source names it, and each licensed entity with its licences and offices.
Brand
XTB
2 entities · 2 licences
XTB Ltd (Cyprus)
Cyprus
Entities are grouped by the legal name printed on each licence source. A parent is shown only when a page we opened names it. ✓ = licence number read on the regulator’s own register.
07 / Figures on file
Figures on file.
These charts read the same sourced sentences as the fields below. A gap is unverified. It is not a zero and it is not a rating.
Deposit
No account minimum
Commission
Verified text has no currency amount
Instruments
Foreign exchange, CFDs, Shares and equities, ETFs, Commodities, Indices
All 42 brokers plotted. Showing top 8.
12 of 42 brokers have no verified value and are left off. Showing top 8.
13 of 42 brokers have no verified value and are left off. Showing top 8.
This broker: pending verification.28 of 42 brokers have no verified value and are left off. Showing top 8.
08 / Conditions
Conditions. Field by field.
Identity, trading and conduct. Each field shows its source, the kind of source and the day it was checked.
Identity
Legal name
VerifiedXTB Limited, for the UK entity
XTB, is XTB regulated · Broker disclosure · Checked 2 Nov 2026The group’s listed parent company name is discussed on XTB’s own history page as XTB S.A. A current registered-office extract for that company was not opened.
Parent
VerifiedXTB S.A.
XTB ESG, 20-year history · Broker disclosure · Checked 2 Nov 2026Named on XTB’s own history page. A company-registry extract for XTB S.A. was not opened in this pass.
Founded
Verified2004
XTB ESG, 20-year history · Broker disclosure · Checked 2 Nov 2026XTB’s own anniversary history says operations began in 2004 as X-Trade Brokers. Other unofficial pages say 2002. Those are not used.
Headquarters
Pending verification
Checked 2 Nov 2026. No figure is published.Group head-office address not stated as such on the pages fetched.
Listing
VerifiedWarsaw Stock Exchange, listed since 2016
XTB about us page · Broker disclosure · Checked 2 Nov 2026Ticker not printed on the page.
Trading
Platforms
VerifiedxStation 5
XTB ESG, 20-year history · Broker disclosure · Checked 2 Nov 2026The history page says xStation 3 was built in 2013 and updated to xStation 5 three years later. MetaTrader availability was not confirmed on these pages.
Account types
Pending verification
Checked 2 Nov 2026. No figure is published.UK page describes one conditions set; no named tiers found.
Minimum deposit
VerifiedNo minimum deposit (XTB UK page)
XTB UK account and fees page (XTB Limited footer) · Broker disclosure · Checked 2 Nov 2026
Maximum leverage
Verified1:30 maximum for CFDs, UK retail (XTB Limited)
XTB UK account and fees page (XTB Limited footer) · Broker disclosure · Checked 2 Nov 2026The UK margin table shows EURUSD at 3.33% margin (1:30) for retail clients.
Instruments
Verified12,000 instruments including stocks, ETFs and CFDs (platform page). CFDs on forex, indices and commodities are listed on the UK conditions page.
XTB platform page · Broker disclosure · Checked 2 Nov 2026The count is the firm's headline figure and covers investing and CFD products together.
Spreads
Pending verification
Checked 2 Nov 2026. No figure is published.No EURUSD spread figure on the fetched UK pages; the page links to a live instrument specification.
Commissions
Verified0% commission for trading CFDs, with a 0.5% CFD conversion fee (UK page). Stocks and ETF investing is commission-free up to 100,000 EUR monthly turnover, then 0.2% with a 10 GBP minimum.
XTB UK account and fees page (XTB Limited footer) · Broker disclosure · Checked 2 Nov 2026
Swaps
Pending verification
Checked 2 Nov 2026. No figure is published.A swap table is referenced but was not fetched.
Deposits and withdrawals
VerifiedDeposits by card or bank transfer in GBP, EUR or USD. XTB charges no deposit or withdrawal fee. Card deposits must come from a card in the client's name. Withdrawals go out same business day before 1PM, otherwise next business day.
XTB UK account and fees page (XTB Limited footer) · Broker disclosure · Checked 2 Nov 2026UK page. Fees charged by banks or payment providers may apply.
Conduct and access
Support
VerifiedUK office: Account Management +44 (0)20 3695 3085, Technical Support +44 (0)20 3695 3086, uksales@xtb.com, ukservice@xtb.co.uk. Chat and email also listed. The group says its support team speaks 18 languages, Mon-Fri.
XTB contact page · Broker disclosure · Checked 2 Nov 2026Language count is from the about page.
Swap-free or Islamic
Pending verification
Checked 2 Nov 2026. No figure is published.No Islamic account terms found on the pages fetched.
Execution
Pending verification
Checked 2 Nov 2026. No figure is published.The execution model was not confirmed.
Liquidity providers
Pending verification
Checked 2 Nov 2026. No figure is published.Not published on the pages checked.
Restrictions
VerifiedThe UK page says FCA warnings about unauthorised firms using the XTB name refer to entities other than XTB Limited, FRN 522157. It also distinguishes a previously EEA-passported entity from that FRN.
XTB, is XTB regulated · Broker disclosure · Checked 2 Nov 2026
Accepted countries
Pending verification
Checked 2 Nov 2026. No figure is published.A country-by-country acceptance list was not copied. The entity that would hold the account has to be checked directly.
Client money
VerifiedUK page lists Segregated Funds as Available and Negative balance protection as Available.
XTB UK account and fees page (XTB Limited footer) · Broker disclosure · Checked 2 Nov 2026
Education and tools
Pending verification
Checked 2 Nov 2026. No figure is published.The regulation article is an education page. A library inventory was not confirmed.
09 / History and offices
History and offices.
Ownership and regulatory events with the page that states them, and the offices a source names.
2004
Operations begin as X-Trade Brokers.
XTB ESG, 20-year history2005
The same history says the first KNF brokerage licence followed a year later. The licence number was not on that page.
XTB ESG, 20-year history2013
xStation 3, the firm’s own platform, is created.
XTB ESG, 20-year history2016
The history says xStation 3 was updated to xStation 5 three years later.
XTB ESG, 20-year history
UK registered office
XTB Limited
Level 9, One Canada Square, Canary Wharf, London, E14 5AA
XTB, is XTB regulated · 2 Nov 202610 / Warnings, reviews, news
Warnings, reviews, news.
Regulator warning-list checks first. Reviews, complaints and news open only with evidence checks and a licensed feed; reputation is not yet rated.
Regulator warning lists
10 warnings recorded- FCA (UK)cloneXTB Limited (clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 13 Aug 2024.13 Aug 2024Notice
- FCA (UK)cloneXTB Trading World (Clone of FCA Authorised Firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 28 Dec 2023.28 Dec 2023Notice
- FCA (UK)cloneXTB-USDT (Clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 07 Feb 2023.7 Feb 2023Notice
- FCA (UK)cloneXTB Global (Clone of FCA Authorised Firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 22 Sept 2022.22 Sept 2022Notice
- FCA (UK)cloneXTB Coin Trading (Clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 19 May 2022.19 May 2022Notice
- FCA (UK)cloneHouse24 Trades Limited (Clone of FCA Authorised Firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 25 Mar 2021.25 Mar 2021Notice
- FCA (UK)cloneXTB GROUP (Clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 15 Mar 2021.15 Mar 2021Notice
- FCA (UK)cloneCapital24 Option (clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 21 Oct 2020.21 Oct 2020Notice
- FCA (UK)cloneBluebird Options Limited (clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 01 Oct 2020.1 Oct 2020Notice
- FCA (UK)cloneTBFX Limited (clone of FCA authorised firm)Listed on the FCA register as a clone of XTB Limited (FRN 522157); added to the register 02 Aug 2019.2 Aug 2019Notice
Lists searched
- CySEC investment firms register (searched)
- FCA register: 'Clones of this firm' on the XTB Limited record (FRN 522157)
Clone warnings name firms impersonating a real broker; they are not a finding against the broker itself unless the notice says so.
Reviews
None on file
Opens with evidence checks (account statements, deposit proof) in a later release.
Complaints
None on file
A complaint desk with broker responses is on the roadmap.
News
None on file
Headlines will arrive from a licensed feed, with the source named on the story.
11 / Evidence ledger
Evidence ledger. 8 pages opened.
Every field on this record with its status, the page it came from, the kind of source and the day it was checked. Filter it, or follow the source graph.
| Field | Value | Source | Checked |
|---|---|---|---|
| NameIdentity | XTBXTB, is XTB regulated | XTB, is XTB regulated Broker disclosure | 2 Nov 2026 |
| Legal nameIdentity | XTB Limited, for the UK entityXTB, is XTB regulated | XTB, is XTB regulated Broker disclosure | 2 Nov 2026 |
| ParentIdentity | XTB S.A.XTB ESG, 20-year history | XTB ESG, 20-year history Broker disclosure | 2 Nov 2026 |
| FoundedIdentity | 2004XTB ESG, 20-year history | XTB ESG, 20-year history Broker disclosure | 2 Nov 2026 |
| HeadquartersIdentity | Pending | — | 2 Nov 2026 |
| ListingIdentity | Warsaw Stock Exchange, listed since 2016XTB about us page | XTB about us page Broker disclosure | 2 Nov 2026 |
| WebsiteIdentity | https://www.xtb.com/XTB, is XTB regulated | XTB, is XTB regulated Broker disclosure | 2 Nov 2026 |
| PlatformsTrading | xStation 5XTB ESG, 20-year history | XTB ESG, 20-year history Broker disclosure | 2 Nov 2026 |
| Account typesTrading | Pending | — | 2 Nov 2026 |
| Min depositTrading | No minimum deposit (XTB UK page)XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Max leverageTrading | 1:30 maximum for CFDs, UK retail (XTB Limited)XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| InstrumentsTrading | 12,000 instruments including stocks, ETFs and CFDs (platform page). CFDs on forex, indices and commodities are listed on the UK conditions page.XTB platform page | XTB platform page Broker disclosure | 2 Nov 2026 |
| SpreadsTrading | Pending | — | 2 Nov 2026 |
| CommissionsTrading | 0% commission for trading CFDs, with a 0.5% CFD conversion fee (UK page). Stocks and ETF investing is commission-free up to 100,000 EUR monthly turnover, then 0.2% with a 10 GBP minimum.XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| SwapsTrading | Pending | — | 2 Nov 2026 |
| FundingTrading | Deposits by card or bank transfer in GBP, EUR or USD. XTB charges no deposit or withdrawal fee. Card deposits must come from a card in the client's name. Withdrawals go out same business day before 1PM, otherwise next business day.XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| SupportConduct | UK office: Account Management +44 (0)20 3695 3085, Technical Support +44 (0)20 3695 3086, uksales@xtb.com, ukservice@xtb.co.uk. Chat and email also listed. The group says its support team speaks 18 languages, Mon-Fri.XTB contact page | XTB contact page Broker disclosure | 2 Nov 2026 |
| Swap-freeConduct | Pending | — | 2 Nov 2026 |
| ExecutionConduct | Pending | — | 2 Nov 2026 |
| Liquidity providersConduct | Pending | — | 2 Nov 2026 |
| RestrictionsConduct | The UK page says FCA warnings about unauthorised firms using the XTB name refer to entities other than XTB Limited, FRN 522157. It also distinguishes a previously EEA-passported entity from that FRN.XTB, is XTB regulated | XTB, is XTB regulated Broker disclosure | 2 Nov 2026 |
| Accepted countriesConduct | Pending | — | 2 Nov 2026 |
| EducationConduct | Pending | — | 2 Nov 2026 |
| Client moneyConduct | UK page lists Segregated Funds as Available and Negative balance protection as Available.XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Inactivity feeProtection & money | Fee of EUR 10 monthly only if both apply: no position opened or closed in the last 365 days and no cash deposit in the last 90 days. Not charged while a position is open.XTB table of commissions and fees dated 29.06.2026 | XTB table of commissions and fees dated 29.06.2026 Broker disclosure | 2 Nov 2026 |
| Withdrawal feesProtection & money | Free of charge. Bank transfer, card or other payment methods may carry third-party fees.XTB table of commissions and fees dated 29.06.2026 | XTB table of commissions and fees dated 29.06.2026 Broker disclosure | 2 Nov 2026 |
| Deposit feesProtection & money | XTB charges none. Payment providers or banks may charge.XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Negative balance protectionProtection & money | Available (UK page)XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| SegregationProtection & money | Segregated funds available (UK page)XTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Compensation schemeProtection & money | Pending | — | 2 Nov 2026 |
| Base currenciesProtection & money | Pending | — | 2 Nov 2026 |
| Deposit methodsProtection & money | Card, Bank transferXTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Withdrawal methodsProtection & money | Pending | — | — |
| Support channelsProtection & money | Phone, Email, ChatXTB contact page | XTB contact page Broker disclosure | 2 Nov 2026 |
| Support languagesProtection & money | Pending | — | 2 Nov 2026 |
| FCA licence · XTB LimitedLicences | No. 522157 · United KingdomFCA Financial Services Register: XTB Limited, FRN 522157 | FCA Financial Services Register: XTB Limited, FRN 522157 Regulator | 2 Nov 2026 |
| CySEC licence · XTB Ltd (Cyprus)Licences | No. 169/12 · CyprusCySEC register, Cypriot investment firms list | CySEC register, Cypriot investment firms list Regulator | 2 Nov 2026 |
| Account · Standard (UK CFD conditions)Accounts | Deposit No minimum deposit · Commission 0% commission on CFDs; 0.5% CFD conversion feeXTB UK account and fees page (XTB Limited footer) | XTB UK account and fees page (XTB Limited footer) Broker disclosure | 2 Nov 2026 |
| Leverage · XTB Limited (FCA)Leverage | 1:30 (EURUSD 3.33% margin)XTB UK margin table (PDF) | XTB UK margin table (PDF) Broker disclosure | 2 Nov 2026 |
Source graph · 10 pages
Each bar is one page we opened; its length is how many published facts on this record it supports.
- XTB UK account and fees page (XTB Limited footer)10Broker disclosure
- XTB, is XTB regulated4Broker disclosure
- XTB ESG, 20-year history3Broker disclosure
- XTB contact page2Broker disclosure
- XTB table of commissions and fees dated 29.06.20262Broker disclosure
- CySEC register, Cypriot investment firms list1Regulator
- FCA Financial Services Register: XTB Limited, FRN 5221571Regulator
- XTB about us page1Broker disclosure
- XTB platform page1Broker disclosure
- XTB UK margin table (PDF)1Broker disclosure