XTB review: is it safe for gold trading?
Founded 2002 · Warsaw, Poland · WSE: XTB
- Score (other countries)
- 37 · D
- Best score
- 82 · United Kingdom
- Tier 1–2 for you in
- 3 / 22 countries
- Trader Voice
- 65
- Platforms
- Own
On this page
Is XTB safe?
XTB is a 24-year-old broker headquartered in Warsaw, Poland, with a listed parent (WSE: XTB). The group has 5 regulated companies (KNF, FCA, CySEC, DFSA, FSC). How safe it is for you depends on which one opens your account: in 3 of the 22 countries we cover that is a Tier 1–2 regulated company. Elsewhere it is XTB International Ltd (FSC, Tier 4 · light offshore).
Regulation and licences
| Company | Regulator | Regulator tier | Licence | Retail clients |
|---|---|---|---|---|
| XTB S.A. | Polish Financial Supervision Authority ↗ Poland (EU) | Tier 2 · strong | Pending check | Yes |
| XTB Ltd (UK) | Financial Conduct Authority ↗ United Kingdom | Tier 1 · strictest | Pending check | Yes |
| XTB Ltd (Cyprus) | Cyprus Securities and Exchange Commission ↗ Cyprus (EU) | Tier 2 · strong | Pending check | Yes |
| XTB MENA Ltd | Dubai Financial Services Authority ↗ UAE (DIFC) | Tier 2 · strong | Pending check | Yes |
| XTB International Ltd | Financial Services Commission ↗ Belize | Tier 4 · light offshore | Pending check | Yes |
Each regulator name links to its own public register. Search the exact company name from your account agreement there before you deposit. How to verify a licence
Which company holds your account
XTB assigns clients to different companies depending on where they live. This is the company, regulator and score you would get in each country we cover.
| If you live in | Your account is held by | Regulator | Score | Rank |
|---|---|---|---|---|
| Other countries | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| United States | Not accepted | — | — | — |
| United Kingdom | XTB Ltd (UK) | FCA T1 | A82 | 11 / 13 |
| EU / EEA | XTB Ltd (Cyprus) | CySEC T2 | B+72 | 15 / 20 |
| Australia | XTB International Ltd | FSC T4 | D37 | 19 / 20 |
| Canada | XTB International Ltd | FSC T4 | D37 | 19 / 20 |
| Singapore | XTB International Ltd | FSC T4 | D37 | 19 / 20 |
| Malaysia | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Indonesia | XTB International Ltd | FSC T4 | D37 | 18 / 19 |
| Thailand | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Vietnam | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Philippines | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| India | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Japan | XTB International Ltd | FSC T4 | D37 | 20 / 21 |
| Hong Kong | XTB International Ltd | FSC T4 | D37 | 18 / 19 |
| UAE | XTB MENA Ltd | DFSA T2 | B56 | 8 / 18 |
| South Africa | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Kenya | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Nigeria | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| South Korea | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Turkey | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Mongolia | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
| Brazil | XTB International Ltd | FSC T4 | D37 | 17 / 18 |
Scores are provisional until our cost, news-spread and withdrawal tests are in. T1 = strictest regulator tier, T5 = company registration only. Licence details pending register check.
Trading gold with XTB
- Platforms
- Own platform
- Minimum gold order
- 0.01 lot (1 oz)
- Swap-free account
- Yes
- Minimum deposit
- $0
- Round-trip cost, 1 lot XAUUSD
- Not measured yet
- Spread widening at NFP
- Not measured yet
- Withdrawal time
- Not measured yet
- Overnight swap, 1 lot long
- Not measured yet
Cost, news-spread and withdrawal tests run on live accounts from our gold cost lab. Results appear here as each broker is tested. Gold pip value calculator · Margin calculator
Fees, deposits and withdrawals
What the broker publishes about deposits, withdrawals and fees. These are the broker’s own terms, collected from independent reviews and the broker’s pages, not our lab measurements.
- Minimum deposit
- None
- Inactivity fee
- 10 USD per month after 12 months without activity
- Deposit fee
- None for bank and card; e-wallets up to 2%
- Withdrawal fee
- Free above 50 USD (100 USD for bank wires); otherwise 30 USD
- Withdrawal time
- Most processed within 24 hours
- Account types
- Standard (commission-free) · Islamic (swap-free)
- Raw account commission
- No raw account; costs are in the spread
- Payment methods
- Bank transfer · Visa/Mastercard · Skrill · Neteller · SafetyPay
- Listed on the Warsaw Stock Exchange
- Own platform xStation only; no MetaTrader
Checked 2026-11-05. Terms change; confirm on the broker’s site before you deposit.
Regulatory record
Fine2026 · KNF (Poland) · XTB S.A.
PLN 20m fine: poor appropriateness checks, target-market failures and misleading CFD risk information (2022–2023)
Source ↗Fine2018 · KNF (Poland) · X-Trade Brokers DM S.A.
PLN 9.9m fine over asymmetric slippage; upheld by the Polish courts
Source ↗
Fines and regulator orders in the last five years reduce the protection score: −4 each, up to −12. Self-reported breaches that were compensated, and public warnings, are shown but not scored.
Score breakdown
For clients in countries without a local licence (account held by XTB International Ltd): 37 / 100 · Measured so far: 45 of 100 weight points
Protection you actually get · 35%
38- Your entity’s regulator (FSC) is Tier 4 (light offshore)+16
- Negative balance protection promised by the broker only+6
- Listed parent company (WSE: XTB)+8
- Holds at least one Tier 1 licence in the group+6
- 24 years in business+6
- Regulatory fines or orders in the last five years (1)-4
Gold trading cost · 25%
Not measured yetExecution under stress · 15%
Not measured yetMoney in and out · 15%
Not measured yetPlatforms and gold conditions · 10%
35- Own platform+5
- 0.01-lot minimum order+15
- Swap-free account available+15
Pros and cons
Pros
- Parent company is listed (WSE: XTB), so its accounts are audited and public.
- Retail clients can be served by Tier 1 regulated companies (FCA).
- In 3 of the 22 countries we cover, your account would sit with a Tier 1–2 regulated company.
- Swap-free account available.
- 24 years in business.
Cons
- Licence details come from the broker’s own pages; our register check is not finished.
- Clients outside its licensed countries are onboarded to XTB International Ltd (FSC), a light offshore regulator.
- No MetaTrader 5.
What traders say
The Trader Voice score sits beside our expert score and is never mixed into it. It combines public review scores with ratings from our own readers.
Trader Voice
65
Expert score (other countries): 37
Our readers
No reader ratings yet. Be the first below.
What reviewers praise
- Simple, clear app
- Fast account opening
- Low fees on stocks and ETFs
What reviewers complain about
- Slow, unhelpful support
- Withdrawals under review for days
- Confusing account navigation
…
Trustpilot scores reflect who a broker invites to review, so we temper them with the share of one-star reviews. Reader ratings count after an account is 72 hours old; one rating per account per broker. Full methodology and data rules
Trader evidence
What readers report from their own accounts: how long withdrawals took, complaints whose evidence our editors checked, and corrections to our data. Nobody can pay to remove a complaint.
Median withdrawal time
—
No reports yet
Arrived within 24 hours
—
Verified complaints
0
0 resolved
…
Questions
Is XTB safe for gold trading?
XTB is a 24-year-old broker headquartered in Warsaw, Poland, with a listed parent (WSE: XTB). The group has 5 regulated companies (KNF, FCA, CySEC, DFSA, FSC). How safe it is for you depends on which one opens your account: in 3 of the 22 countries we cover that is a Tier 1–2 regulated company. Elsewhere it is XTB International Ltd (FSC, Tier 4 · light offshore).
Is XTB regulated?
Yes. XTB S.A. is regulated by Polish Financial Supervision Authority (Poland (EU)). XTB Ltd (UK) is regulated by Financial Conduct Authority (United Kingdom). XTB Ltd (Cyprus) is regulated by Cyprus Securities and Exchange Commission (Cyprus (EU)). XTB MENA Ltd is regulated by Dubai Financial Services Authority (UAE (DIFC)). XTB International Ltd is regulated by Financial Services Commission (Belize). These details are from the broker’s legal pages and our register check is still pending.
Which countries does XTB not accept?
Of the countries we cover, XTB does not accept residents of United States.
Does XTB offer MT4, MT5 or TradingView for gold?
XTB offers its own platform. The minimum gold order is 0.01 lot.
Does XTB have a swap-free account?
Yes. Check the account terms: many swap-free accounts charge an admin fee once a position is held for a few days.
What is the XTB minimum deposit?
$0 on the standard account, according to the broker.
Alternatives
See also
Best brokers by country
Data checked: November 2026 · Sources: [1]
CFDs are complex instruments and carry a high risk of losing money rapidly due to leverage. Ratings are our opinion, based on the data and rules described in the methodology. They are not investment advice.