XTB review 2026

XTB's account and fee schedule (valid from 29.06.2026) shows account opening and account management as free. Deposits and withdrawals are also free of charge; only PayPal deposits cost 0.85 per cent. The minimum deposit is 1 euro, and the minimum investment amount for shares is also 1 euro. An inactivity fee is not listed in the current schedule. A separate current account is not necessary. XTB holds the settlement account itself; client money is held in segregated pooled trust accounts at partner banks, including JP Morgan SE in Frankfurt am Main. For a non-euro investment, however, a currency conversion fee of 0.50 per cent applies. Scoring (20/20): Custody and account management are free of charge without condition (15 points), and an additional current account is not required (5 points).

XTB charges no commission on shares and ETFs as long as the monthly total turnover does not exceed 100,000 euros. Above that, 0.2 per cent applies with a minimum of 10 euros. A one-off investment of 500 euros is therefore free of charge for almost all private investors. Note the currency conversion fee of 0.50 per cent, which applies to instruments in a foreign currency; it does not arise for ETFs quoted in euros. The same applies to savings plans. On the savings plan page, XTB describes setting up and using them as completely free, and execution is also free of charge within the commission allowance of 100,000 euros per month. A savings plan instalment of 400 euros into a euro ETF therefore causes no execution costs. On the trading venue, by contrast, there is a verifiable gap. XTB states 14 markets and expressly lists Germany, but on none of the pages checked (home page, shares, ETFs, account and fees, instrument overview) does it name a specific exchange venue. Neither XETRA nor Tradegate, Gettex or the Frankfurt Stock Exchange are mentioned. A XETRA order cannot therefore be verified and is rated with zero points. Scoring (22/25): The 400-euro ETF savings plan is free (12 points). The 500-euro one-off investment is also free within the allowance (10 points). XETRA access cannot be verified on the provider's pages (0 of 3 points).

For some time now, XTB has offered genuine savings plans on securities. According to the savings plan page, more than 1,800 ETFs and more than 3,400 shares are available, up to ten savings plans can be run in parallel, and the Auto-Invest function handles automatic execution. Fractional units are covered through fractional share trading. The decisive advantage: all savings plans are free of charge. XTB describes setting up and using them as completely free, and execution falls under the commission exemption up to 100,000 euros of monthly turnover. In effect, all of the more than 1,800 savings-plan-eligible ETFs can therefore be saved into free of charge – a figure that many direct banks do not reach. The only weak point is the minimum savings amount. At 15 euros, it is above the 10-euro mark, which marks the second-best band in the rating grid. For tiny instalments from 1 euro, as offered by some neobrokers, XTB is not the right address. Scoring (11/20): More than 1,800 savings-plan-eligible ETFs reach the band from 1,000 (5 of 8 points), and since all of them can be saved into free of charge, the same band applies to free savings plans (5 of 7 points). The minimum savings amount of 15 euros falls in the band up to 25 euros (1 of 5 points).

XTB states more than 12,600 investment opportunities. Of these, more than 7,400 are genuine shares on 14 markets and more than 2,200 are funds and ETFs. The share offering therefore narrowly misses the threshold of 7,500 securities, while the ETF offering clearly exceeds the 2,000 mark. Dividends are paid out, and fractional shares are tradable. For the other asset classes, the distinction matters because it decides the rating. XTB expressly labels commodities, indices, cryptocurrencies and forex on its own page as CFDs, that is, as derivatives without customer ownership. Options have been added as a new product. XTB does not offer bonds, however – neither as individual securities nor in the product navigation. Specifically, this means: derivatives are available, cryptocurrencies are accessible only in derivative form as CFDs, and bonds are missing entirely. Anyone looking for a custody account in which individual bonds can also be held has to look elsewhere. Scoring (12/15): More than 2,200 ETFs reach the highest band (6 points), and more than 7,400 shares are just below 7,500 and therefore in the band from 5,000 (4 of 6 points). Of crypto, derivatives and bonds, two are covered, with bonds missing entirely (2 of 3 points).

XTB pays interest on uninvested balances in the trading account. The interest page shows a rate of 3.50 per cent p.a. for euros and 3.40 per cent for US dollars. Interest is calculated daily and credited monthly within five working days, and no minimum amount is required. The decisive point is the restriction that XTB itself states: this preferential rate applies only for the first 90 days from account opening and only for balances up to a value of 100,000 euros. After that, and for amounts above it, the standard interest rate applies. Its level could not be determined – the interest table is loaded client-side only and was contained neither on the interest page nor in the interest archive in the delivered HTML. All that can be verified is therefore the preferential rate of 3.50 per cent for a limited period, which is why full marks are not awarded here. XTB does not advertise a new-customer bonus. On the pages checked, there is neither a reward nor an order credit promotion for new customers. Scoring (3/8): The verifiable euro interest rate of 3.50 per cent applies only for a limited 90 days and up to 100,000 euros, and the permanent standard rate cannot be read out – hence the middle band (3 of 5 points). A new-customer bonus cannot be verified (0 of 3 points).

The xStation trading platform is available as a web application and as a mobile app for iOS and Android. On the platform page, XTB gives the App Store rating as 4.7 out of 5 and the Google Play rating as 4.5 out of 5 – both figures are therefore at or above the 4.5-star threshold. Account management, deposits and withdrawals, and setting up savings plans are all done directly in the platform. On price data, XTB makes no reliable statement on the pages checked. Neither the platform page nor the shares, ETF, savings plan or fee pages contain any information on whether real-time prices are available free of charge or whether prices are delivered with a delay. Without evidence from the provider, this criterion is rated with zero points. Scoring (5/8): Apps for iOS and Android with ratings published by the provider of 4.7 and 4.5 stars reach full marks (5 points). Free real-time prices cannot be verified (0 of 3 points).

XTB can be reached by telephone on +49 30 3149 4490, Monday to Friday from 9am to 6pm. There is also a chat available 24/5, as well as email support and a help centre. XTB does not offer a free 0800 number; it is a regular Berlin landline number. On security, the structure has two levels. XTB S.A. German Branch is registered with BaFin but is in principle supervised by the Polish financial supervisory authority KNF. Client money is held in segregated pooled trust accounts at partner banks, including JP Morgan SE in Frankfurt am Main, and is protected up to 100,000 euros under the German banks' compensation scheme if the bank fails. Investor compensation protection for securities services itself is 20,100 euros. Note also that interest income in Germany generally has to be taxed through self-assessment, since XTB does not withhold the flat-rate withholding tax (Abgeltungsteuer). Scoring (2/4): Telephone support is available, but only via a regular landline number with no free dial-in (2 of 4 points).