XTB Review 2025: How to Open a Demo/Live Account & Withdraw Money?

First, let's take a quick look at XTB's key points via the table below:

	Quick XTB Review Summary
Founded	2002
Registered	United Kingdom
Regulation	CySEC (Cyprus), FCA (UK)
Trading Instruments	6,898, stocks, ETFs, forex, indices, commodities
Demo Account	✅
Account Minimum	£0
Maximum Leverage	1:500
EUR/USD Spread	Floating around 0.9 pips (demo account)
Trading Platform	xStation5 (Mobile, Desktop, Tablet)
Deposit Fee	❌
Withdrawal Fee	Free for withdrawal above £/$/€50, otherwise, £/$/€5 charged
Inactivity Fee	£10 monthly if no purchase or sale transaction within 365 days

XTB Account Types

Demo Account

XTB offers risk-free demo accounts, which will become inactive after 30 days.

Virtual funds available for trading on the Forex CFD Demo account are 100,000 in account currency.

With an XTB demo account, you can invest in 3,000+ Real Stocks and ETFs with 0% commission (for monthly turnover up to EUR 100,000 then 0.2% commission).

Live Account

XTB only offers a single live account type, Standard account.

If you are looking for a Cent or Mini account, XTB may not be your best choice. If you don't like to make choices, you can trade on the XTM Standard trading account.

There is no minimum deposit requirement, which is very friendly for beginners.

However, note that the account maintenance fee of £10 monthly will be charged if there is no purchase or sale transaction within 365 days.

If you are interested in an XTB Standard live account, you can find more detailed account features in the table below:

How to Open an XTB Demo Account? (4 Steps)

XTB demo account opening is free. You just need 4 steps, and then you can own a risk-free demo account.

Step 1: Go to XTB's official website and then click the 'Try a demo' button at the top right corner of the homepage.

Step 2: Enter your email address and choose your country. Then tick the two terms and click the 'SUBMIT button.

Step 3: Fill in your name and mobile number, and then set the account password (one small letter, 1 uppercase letter, 1 number, and 8 characters). Click the 'SUBMIT button.

Step 4: Now the XTB demo account is successfully created. The good news is that XTB offers a personal account manager and they will contact you soon to offer support. Of course, you can also log into your demo account and start trading with virtual funds straight away.

How to Open an XTB Live Account? (4 Steps)

XTB live account opening is also free of charge, but compared with a demo account, you have to provide more detailed personal information. Complete the registration process takes about 15 minutes and XTB will activate your account within 1 day.

Step 1: Go to XTB's official website and then click the 'Create account' button at the top right corner of the homepage.

Step 2: Enter your email address and choose your country. Then tick the two terms and click the 'NEXT STEP' button.

Step 3: Create your account password, and then click the 'NEXT STEP' button.

Step 4: Fill in your personal information, including your first name, middle name (optional), surname, phone number, date of birth, gender, and nationality. Besides, carefully read FATCA and CRS Statements and tick. Then click the 'NEXT STEP' button.

After that, XTB will use the information you have provided to activate your account and you can start trading with an XTB live account.

XTB Deposit & Withdraw

Unlike other brokers who accept many kinds of methods, XTB only supports deposits and withdrawals via card and bank transfer.

The accepted currencies include GBP, USD, and EUR. If you don't use these three currencies, then a 0.5% currency conversion fee is charged.

XTB charges no fees for deposits, but fees by your bank may apply.

If your withdrawal is above £/$/€50, then no withdrawal fee. However, if your withdrawal is below £/$/€50, £/$/€5 fee will be charged.

All deposits are instant while withdrawal requests before 1 PM can be processed on the same business day, while withdrawal requests after 1 PM will be processed on the next business day.

XTB Deposit Methods

XTB Withdrawal Methods

Is XTB Legit and Safe?

As for regulation, XTB currently holds two valid regulatory licenses from two countries, including

• Cyprus Securities and Exchange Commission (CySEC)
• Financial Conduct Authority (FCA) in the United Kingdom

Regulated Country	Investor Protection Amount	Regulated by	Regulated Entity	License Type	License No.
	€20,000	CySEC	XTB Limited (CY)	Market Making (MM)	169/12
	£85,000	FCA	XTB Limited (UK)	Straight Through Processing (STP)	522157

You can verify XTB's regulatory status and explore more details on WikiFX.

In addition, XTB offers many security measures to protect their clients' funds. Your funds are segregated and protected by the Financial Services Compensation Scheme (FSCS), up to £85,000 per person in the UK and €20,000 in Cyprus in the unlikely event of insolvency. XTB also offers Two Factor Authentication (2FA) login and negative balance protection.

Compare XTB to Similar Brokers

We compared XTB's key points (regulation, product offering, demo account, account minimum, maximum leverage, trading platform, copy/social trading, and suitable traders) with three similar brokers, Tickmill, XM, and FXCM.

See a more detailed comparison of XTB's alternatives below:

Logo
Broker	XTB	Tickmill	XM	FXCM
Regulation	CySEC, FCA	FCA, CySEC, FSCA	ASIC, CySEC, DFSA, FSC (Offshore)	ASIC, FCA, CySEC, ISA
Product Offering	6,900+, stocks, ETFs, forex, indices, commodities	60+ currency pairs, 15+ indices, 500 stocks & ETFs, bonds, commodities (precious metals and energies), cryptos, futures & options	1,400+, forex, commodities, precious metals, shares, Turbo stocks, equity indices, energies, thematic indices	Forex, shares, commodities, indices, cryptocurrencies
Demo Account	✅	✅	✅ (30 days)	✅ ($20,000 of virtual money)
Account Minimum	£0	100 USD/EUR/GBP/ZAR	$5	$50
Maximum Leverage	1:500	1:1000	1:1000	1:1000
Trading Platform	Mobile, Desktop, Tablet	MT4/5, Tickmill Trader	MT4/5, XM App	Trading Station, TradingView Pro, MT4, Capitalise AI
Copy/Social Trading	❌	✅	✅	❌
Promotion	❌	✅	❌	✅
Best for	Beginners	Experienced traders	Beginners	Experienced traders

FAQs

Is it legal to use XTB?

Yes. XTB currently has two valid regulatory licenses, the Cyprus Securities and Exchange Commission (CySEC) and the Financial Conduct Authority (FCA).

Is XTB money safe?

Yes, your funds are segregated and are protected by the Financial Services Compensation Scheme (FSCS), up to £85,000 per person in the UK and €20,000 in Cyprus in the unlikely event of insolvency. Additionally, XTB also offers Two Factor Authentication (2FA) login and Negative Balance Protection.

Is XTB good for beginners?

Yes. XTB has no minimum deposit requirement, thus beginners can deposit any money to start trading. Besides, risk-free demo accounts are also available with 100,000 in account currency for 30 days. Beginners can also find many educational resources on XTB's website.

Is an XTB account free?

There is no account opening fee for either XTB demo accounts or live accounts, but if no purchase or sale transaction within 365 days, the maintenance fee of 10 GBP monthly will be charged.

How do I open an XTB account?

Opening an XTB account is very easy. You can find specific information in the 'How to Open an XTB Demo Account' and the 'How to Open an XTB Live Account' sections.

Can I withdraw money from XTB?

Yes. You can withdraw money via cards and bank transfers. But note that any gains from demo accounts cannot be withdrawn.