Is XTB a Scam? Regulation Check 2026
We checked XTB's licence in the official IFSC register. Here is what the public records say.
Verdict
XTB is NOT a scam. It holds IFSC licence 000302/46, authorising it to offer trading services in Singapore.
How to verify on the official register
| Regulator | IFSC International Financial Services Commission (IFSC) |
| Licence Number | 000302/46 |
| Regulated Entity | XTB International Ltd |
| Founded | 2002 |
| Listed | WSE:XTB — publicly audited |
What IFSC regulation means
IFSC-regulated brokers must keep client funds in segregated accounts, provide negative balance protection, and submit to independent audits. Clients can file complaints with IFSC directly.
What IFSC 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 IFSC if XTB fails to resolve your issue
- XTB submits to regular independent financial audits under IFSC oversight
Frequently Asked Questions
Is XTB a scam or legitimate?
XTB is NOT a scam. It holds IFSC licence number 000302/46. IFSC is one of the world's most respected financial regulators. The licence is publicly verifiable in the IFSC official register.
How do I check XTB's IFSC licence?
Go to the official IFSC website and use the public register search. Search for licence number 000302/46 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 IFSC-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 Singapore?
In Singapore, XTB operates under IFSC 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 IFSC.
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