XTB Review 2026
Full XTB review for United Kingdom traders — regulation, spreads, fees and our honest verdict.
Regulation in United Kingdom
| Regulator | FCA FCA — Financial Conduct Authority (FCA) |
| Licence Number | 522157 |
| Regulated Entity | XTB Ltd |
| Max Leverage (Forex) | 1:30 |
| Minimum Deposit | $0 |
| EUR/USD Spread | From 0.1 pips |
| Instruments | 5,800+ |
| Platforms | xStation 5, MT4 |
| Copy Trading | ✗ |
| Real Stocks | ✓ |
| Inactivity fee | Inactivity fee: EUR10/month after 12 months |
Verdict
Regulated by FCA (licence 522157). Minimum deposit $0. In United Kingdom: maximum forex leverage 1:30.
About XTB
XTB was founded in 2002 and is headquartered in Warsaw, Poland. The broker offers 5,800 tradeable instruments including forex pairs, CFDs on stocks, indices and commodities. XTB is publicly listed on the WSE:XTB. It is regulated across multiple jurisdictions with a primary licence held by XTB Ltd under FCA.
In United Kingdom, XTB operates as XTB Ltd, authorised by FCA under licence number 522157. United Kingdom traders are subject to a maximum leverage of 1:30 on forex pairs under FCA rules.
Trading Platforms
Pros
- FCA regulated — licence 522157
- 5,800+ instruments to trade
- Negative balance protection in United Kingdom
- Platforms: xStation 5, MT4
- Real stock ownership (not CFD)
Cons
- Inactivity fee: EUR10/month after 12 months
- 76% of retail clients lose money
- CFD trading — you do not own the underlying asset
Frequently Asked Questions
Is XTB regulated?
XTB holds FCA licence 522157, issued to the regulated entity {entity}. This is a real, verifiable licence recorded in the official FCA public register.
What is the minimum deposit for XTB in United Kingdom?
The minimum deposit is $0. This is the amount required to open a live trading account for traders in United Kingdom under FCA regulation.
What leverage does XTB offer in United Kingdom?
In United Kingdom, XTB offers maximum forex leverage of 1:30 under FCA rules. Higher leverage may be available through offshore-regulated entities.
Is XTB safe to trade with?
XTB is regulated by FCA, which requires segregated client funds, negative balance protection and independent audits. Regulation does not eliminate trading risk, but it provides meaningful investor protection.
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