BrokerSafari Evidence Score
This is an evidence-based editorial calculation, not a guarantee of safety, an account test or an investment recommendation. It uses only the structured research recorded for this broker, never another website’s rating.
| BrokerSafari Evidence Score | 8.1 / 10 — Strong |
|---|---|
| Evidence confidence | medium |
| Evidence coverage | 78.5% |
| Assessed quality score | 8.1 / 10 |
| Evidence-gap penalty | 0.0 |
| Score before caps | 8.1 / 10 |
| Calculated score after caps | 8.1 / 10 |
| Regulation & Legal Entity | Weight 30%; coverage 66.7% (2/3 inputs). Quality 8.3 / 10; 24.9 / 30 weighted points before normalization and penalties. |
|---|---|
| Safety & Client Protection | Weight 20%; coverage 75% (3/4 inputs). Quality 8.0 / 10; 16 / 20 weighted points before normalization and penalties. |
| Transparency | Weight 15%; coverage 100% (4/4 inputs). Quality 8.6 / 10; 12.9 / 15 weighted points before normalization and penalties. |
| Fees & Trading Costs | Weight 10%; coverage 100% (4/4 inputs). Quality 7.5 / 10; 7.5 / 10 weighted points before normalization and penalties. |
| Deposits & Withdrawals | Weight 10%; coverage 60% (3/5 inputs). Quality 7.5 / 10; 7.5 / 10 weighted points before normalization and penalties. |
| Trading Platform & Products | Weight 10%; coverage 100% (4/4 inputs). Quality 8.4 / 10; 8.4 / 10 weighted points before normalization and penalties. |
| Track Record & Independent Evidence | Weight 5%; coverage 50% (1/2 inputs). Quality 8.0 / 10; 4 / 5 weighted points before normalization and penalties. |
Quality uses only assessable inputs. Entirely unassessed categories are excluded and remaining category weights are normalized; missing evidence is not zero quality. Coverage separately measures assessed input weight out of 100%. A gap penalty of 0.0, 0.3, 0.7 or 1.2 is applied before regulatory caps. Source strength affects confidence, not a direct multiplication of the quality score.
Rating cap
None.
Why this score?
Verified strengths
- Regulation & Legal Entity — Account-serving legal entity: partially verified. Partial verification only; unresolved scope remains an evidence gap.
- Regulation & Legal Entity — Relevant financial regulation: partially verified. Only the documented relevant entity/permission is verified, not every group licence or account.
- Trading Platform & Products — Platform identity and clarity: verified.
Provider-disclosed evidence
- Safety & Client Protection — Client-money segregation: disclosed.
- Safety & Client Protection — Negative-balance protection: partial. Conditional protection is disclosed; account-specific independent verification is not established.
- Safety & Client Protection — Investor-protection coverage: partial. Partial coverage is disclosed; independent account eligibility is not established.
- Transparency — Company transparency: high.
- Transparency — Legal-document transparency: high.
- Transparency — Regulatory-disclosure transparency: high.
- Transparency — Contact transparency: medium.
- Fees & Trading Costs — Spread transparency: medium.
- Fees & Trading Costs — Commission transparency: medium.
- Fees & Trading Costs — Overnight-fee transparency: medium.
- Fees & Trading Costs — Live trading-cost testing/corroboration: provider disclosed only.
- Deposits & Withdrawals — Deposit and withdrawal fee transparency: medium.
- Deposits & Withdrawals — Payment-method transparency: medium.
- Deposits & Withdrawals — Withdrawal-term transparency: medium.
- Trading Platform & Products — Mobile availability: disclosed.
- Trading Platform & Products — Trading-product transparency: medium.
- Trading Platform & Products — Platform testing: provider disclosed only.
Supplementary independent evidence
- Track Record & Independent Evidence — Independent-source documentation: medium.
Evidence gaps
- Regulation & Legal Entity — Regulatory warnings and enforcement: unassessed.
- Safety & Client Protection — Security controls: unassessed.
- Deposits & Withdrawals — Independent withdrawal testing/corroboration: unassessed.
- Deposits & Withdrawals — Verified withdrawal findings: unassessed.
- Track Record & Independent Evidence — Operating history: unassessed.
- A relevant entity/regulator relationship is verified; other group licences and account-specific coverage remain unresolved.
Verified concerns
No verified adverse finding is recorded in these inputs. This is not a clean bill of health or continuous monitoring.
Broker Overview
XTB provides investing and trading services through a group of legal companies. Its public site presents access to shares, ETFs and leveraged CFD products, while local rules and the contracting entity determine what a customer can actually use. The FCA register lists XTB Limited, FRN 522157. XTB’s UK terms identify company number 07227848 and the London office address.
XTB describes xStation, also referred to as XTB Online Trading, as its platform. Its help center states that MT4 and MT5 are not currently offered. The company’s fee pages distinguish standard investment products from CFDs and explain that charges may include currency conversion, spreads, overnight financing and conditional inactivity fees.
This review does not treat a public company listing or group identity as a substitute for a regulator record. It also does not test the platform, trades, deposits or withdrawals. Claims about the customer experience or typical costs would require evidence beyond the public pages reviewed.
Source: XTB — company and UK entity information · Last Checked:
Source: XTB Limited — UK Terms of Business · Last Checked:
Regulation
The FCA register identifies XTB Limited under FRN 522157. XTB’s own UK terms connect that firm to company number 07227848. The FCA record is the source to consult for current permission scope, restrictions and regulatory status; a search result or marketing claim cannot replace the live register.
XTB’s regulation article says its group operates in multiple countries through local entities, and explicitly advises customers outside the UK to check which company applies. This review independently records the UK firm only. Other national licences, including Polish and European permissions, should be assessed separately against the relevant regulator’s current record.
We did not complete a comprehensive search for enforcement or warning notices across all XTB group entities. The warning field remains unknown, not a conclusion that none exist.
Source: FCA — XTB Limited · Last Checked:
Source: XTB — country-specific regulation explainer · Last Checked:
Legal Entities
XTB’s UK company is the entity matched to the regulator record in this review. XTB identifies other companies for other markets, but a complete regulator-verified group map is outside this review. Use the exact name and reference from the customer agreement.
| XTB Limited | United Kingdom. Matched to FCA FRN 522157; XTB UK terms identify company number 07227848. |
|---|
Source: FCA — XTB Limited · Last Checked:
Source: XTB Limited — UK terms · Last Checked:
License Information
XTB Limited
Authority: Financial Conduct Authority (FCA) (United Kingdom). Licence identifier: FRN 522157.
Evidence status: The FCA register lists XTB Limited under FRN 522157. XTB’s UK terms identify the company number as 07227848. The register is the source for current permission scope.
Source: FCA Financial Services Register — XTB Limited · Last Checked:
The FCA register states that XTB Limited is authorized for specified activities. It should be checked directly before account opening, especially if an online page redirects applicants across regions. Verify the company name, FRN, permitted activity and approved website together.
Company Information
| Brand | XTB |
|---|---|
| Verified UK entity | XTB Limited. |
| UK company number | 07227848. |
| UK FCA reference | 522157. |
| Listing and group structure | XTB identifies itself as a listed group; a full ownership or financial-strength analysis was not performed. |
Source: XTB Limited — UK terms · Last Checked:
Source: FCA — firm details · Last Checked:
Trading Platforms
XTB’s official help page describes XTB Online Trading as the company’s platform, available through a web interface and mobile application. The same help material says XTB does not currently offer MetaTrader 4 or MetaTrader 5. Platform access and functionality may vary by local company and service.
The company describes features for charting, portfolio management and order handling. These are provider claims; we did not evaluate chart accuracy, execution, device accessibility, order types, price alerts or system uptime. Traders who need a particular automation tool, API or third-party plugin should confirm support before opening an account.
Source: XTB — available trading platforms · Last Checked:
Trading Products
XTB’s official website describes direct investment in shares and ETFs as well as CFDs on currencies, indices, commodities, shares and other assets, depending on country. Some products may be derivatives even when their names resemble shares or ETFs. A non-leveraged investment and a CFD can differ in ownership, fees, financing, custody and risk.
Check the product sheet for asset eligibility, minimum trade sizes, trading hours, margin, corporate actions and whether positions can be held overnight. The product catalogue in one country should not be assumed to match another. We did not independently inventory the complete instrument list.
Source: XTB — product offering · Last Checked:
Source: XTB Limited — product and risk terms · Last Checked:
Trading Conditions
| Platform | XTB Online Trading / xStation; MT4 and MT5 are not currently offered according to XTB help material. |
|---|---|
| Investment products | Commission and other thresholds can vary by country, instrument and account. |
| CFDs | Spread, margin and overnight financing apply; exact terms vary by instrument. |
| Currency conversion | XTB describes a conversion margin for transactions in a currency different from the account currency. |
| Inactivity | A monthly fee may apply after a stated period without trading activity; consult the current local schedule and conditions. |
| Execution | No live order or slippage test was conducted. |
“Zero commission” should be read with the applicable thresholds, instrument list, account currency and any other costs. A transaction that falls outside a free allowance, or a position held as a CFD, may have a different cost structure. The fee page and the actual order preview are more relevant than a broad promotional headline.
Source: XTB — fees and commissions · Last Checked:
Source: XTB — UK Terms of Business · Last Checked:
Fees
XTB’s fee page describes currency conversion on transactions and corporate actions where an instrument currency differs from the account currency. It also describes an inactivity charge under specific conditions, including a period without opening or closing a position. The amount and qualifying conditions can vary by local entity and current schedule.
CFD costs may include the bid-ask spread, overnight financing and any instrument-specific commission. Investment products may have separate custody, exchange or transaction rules. Third-party bank or payment-provider charges can also apply. Always review the current local fee table and the order ticket before deciding.
BrokerSafari did not measure live spreads, calculate a representative portfolio or compare transaction statements. We report the provider’s disclosure structure, not a promise of cost or an independent confirmation of every charge.
Source: XTB — Fees and Commissions · Last Checked:
Source: XTB Limited — UK terms and costs · Last Checked:
Deposit & Withdrawal
XTB directs customers to local account and payment information for deposits and withdrawals. Accepted payment methods, limits, currencies and processing times vary by country and company. Payment instructions shown after login may be more specific than general public pages.
Before sending funds, verify the account holder name, payment source, deposit method, conversion rate, withdrawal route and any verification or open-position requirements. A broker may require withdrawals to return to the original payment source. The amount and timing of bank transfers can also depend on intermediary institutions.
We did not fund an XTB account or test a withdrawal. The Evidence Score does not claim that withdrawals are fast, successful or independently verified.
Source: XTB — account, fees and payment information · Last Checked:
Source: XTB Limited — UK client terms · Last Checked:
Research Summary
The review relies on the FCA register, XTB’s UK terms, its regulation explainer, current platform help article and fees page. The FCA record supports the identity of XTB Limited; the company pages describe product and fee information. These evidence types are kept distinct.
We have not verified every XTB group authorization, assessed the financial statements, tested the xStation app, measured pricing or attempted a withdrawal. An official fee schedule shows disclosed rules but does not reveal the actual cost of a future order.
The BrokerSafari Evidence Score is calculated automatically from the structured source and disclosure fields. Missing evidence remains unassessed. It is not a third-party rating and is not a recommendation to invest or trade.
Source: FCA — primary firm record · Last Checked:
Source: XTB — platform help · Last Checked:
Safety / Regulation Analysis
The FCA record is relevant to XTB Limited, not automatically to every XTB company or account. XTB’s own regulation explainer stresses that clients outside the UK should check which entity and regulator apply. Verify the exact company and approved website on the official register before sending funds.
XTB’s UK protection page says retail client money is held in segregated accounts and describes FSCS eligibility, while the UK terms provide negative-balance protection to retail clients to the extent required by law. These are UK-specific provider disclosures; eligibility and limits must be checked against the live terms and account classification. They do not protect against ordinary market losses.
No complete warning or enforcement review across the group was completed; the warning input remains unknown. That status is an evidence gap, not an assertion of misconduct or a clean record.
CFDs involve leverage and can lead to rapid loss. Shares and ETFs also carry market risk. This page is general research, not individualized financial, legal or tax advice.
Source: FCA — XTB Limited · Last Checked:
Source: XTB — client terms and risk disclosures · Last Checked:
Source: XTB — UK client-money protection · Last Checked:
Source: XTB — withdrawal terms · Last Checked:
What We Could Verify
The FCA register lists XTB Limited under FRN 522157. XTB’s UK terms identify company number 07227848. The provider’s help center clearly identifies its current platform and states that MT4/MT5 are not offered. Its fee page documents conversion and inactivity cost categories.
These facts do not establish which company will serve a particular application or what costs an individual order will incur.
Information Still Unclear
- The exact local entity and regulator for customers outside the UK.
- All-in fees for a specified instrument, currency, order size and holding period.
- Live platform reliability, execution quality, support and withdrawal outcomes.
- A comprehensive current status and enforcement review for all XTB group companies.
Evidence Reviewed
Sources were checked on 20 October 2026. This date is a snapshot, not continuous monitoring.
Source: FCA — XTB Limited · Last Checked:
Source: XTB — UK Terms of Business · Last Checked:
Source: XTB — regulation overview · Last Checked:
Source: XTB — platform help · Last Checked:
Source: XTB — fees · Last Checked:
How to Continue Your Research
FAQ
The FCA register lists XTB Limited under FRN 522157. XTB has other local entities, so the UK firm’s status should not be applied to every account. Confirm the company and permissions in your region.