XTB
Tier-1 regulatedData needs verificationXTB
Last verified: 22 September 2026 · Source: Official regulator registers and broker regulation pages, checked 20-22 September 2026
Minimum deposit
No minimum
EUR/USD spread from
0.5 pips
Islamic account
Yes
Legal entities and regulators
- Tier-1 regulated
XTB — AMF regulated entity
Regulator: AMF · Jurisdiction: France
- Tier-1 regulated
XTB — BaFin regulated entity
Regulator: BaFin · Jurisdiction: Germany
- Tier-1 regulated
XTB — CySEC regulated entity
Regulator: CySEC · Jurisdiction: Cyprus (EU)
- Tier-1 regulated
XTB — FCA regulated entity
Regulator: FCA · Jurisdiction: United Kingdom
- Tier-1 regulated
XTB — KNF regulated entity
Regulator: KNF · Jurisdiction: Poland
- Tier-2 regulated
XTB — DFSA regulated entity
Regulator: DFSA · Jurisdiction: Dubai (DIFC)
Regulation text as published in the sources
XTB SA (Poland KNF — publicly listed WSE); XTB Ltd (FCA UK); XTB Ltd Cyprus (CySEC 169/12); DFSA (Dubai); CNMV Spain; BaFin; FSC Belize. **Enforcement history:** KNF imposed a PLN 9.9m ($2.7m) penalty in September 2018 (asymmetric price slippage, Jan 2014–May 2015) and a PLN 20m ($5.5m) penalty issued 30 March 2026 for MiFID II client-onboarding/appropriateness breaches on CFDs (conduct Jan 2022–Sept 2023); AMF France fined XTB in 2021; CVM Brazil issued a 2023 stop order. Tier-1 + DFSA but with enforcement history.
Costs
EUR/USD from ~0.5 pips (Standard, no commission); Islamic account spreads from ~0.7; inactivity fee after 12 months if no trades + no deposit.
Accounts
No minimum; demo yes; Islamic/swap-free available.
Demo account: Yes
Platforms
MT4, MT5, Proprietary
Markets
Commodities, Crypto, ETFs, Forex, Indices, Stocks
Funding
Cards, bank transfer, e-wallets.
Support
Multilingual; DFSA Dubai office; Arabic — verify.
Arabic support: Not disclosed
Education
Yes.
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