Is XTB a Scam? Regulation Check 2026
We checked XTB's licence in the official FCA register. Here is what the public records say.
Verdict
XTB is NOT a scam. It holds FCA licence 522157, authorising it to offer trading services in United Kingdom.
How to verify on the official register
| Regulator | FCA FCA Financial Conduct Authority (FCA) |
| Licence Number | 522157 |
| Regulated Entity | XTB Ltd |
| Founded | 2002 |
| Listed | WSE:XTB — publicly audited |
What FCA regulation means
FCA-regulated brokers must keep client funds in segregated accounts, provide negative balance protection, and submit to independent audits. Clients can file complaints with FCA directly.
What FCA regulation means for your money
- Client funds held in segregated bank accounts, separate from XTB's own capital
- Negative balance protection — you cannot lose more than your deposit
- Right to file complaints directly with FCA if XTB fails to resolve your issue
- XTB submits to regular independent financial audits under FCA oversight
Frequently Asked Questions
Is XTB a scam or legitimate?
XTB is NOT a scam. It holds FCA licence number 522157. FCA is one of the world's most respected financial regulators. The licence is publicly verifiable in the FCA official register.
How do I check XTB's FCA licence?
Go to the official FCA website and use the public register search. Search for licence number 522157 or the entity name. The record will confirm XTB's authorisation status and the scope of its permissions.
Are my funds safe with XTB?
As an FCA-regulated broker, XTB must keep all client funds in segregated bank accounts, completely separate from company funds. This protects your deposits even if XTB encounters financial difficulties.
What protection do I have as a XTB client in United Kingdom?
In United Kingdom, XTB operates under FCA supervision. You are entitled to: segregated client funds, negative balance protection (you cannot lose more than you deposit), and the right to file complaints directly with FCA.
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