XTB Review 2025: Safety, Features, and Reliability

XTB is a well-established brokerage founded in 2011 with a strong global presence. Headquartered in the United Kingdom, it operates under the oversight of several major financial authorities. Currently, XTB holds a WikiFX Score of 7.10, reflecting its regulatory standing and market influence. While the broker maintains a “Regulated” status with Tier-1 licenses, recent data highlights a mix of high regulatory compliance and significant user feedback regarding operational issues.

Pros and Cons of XTB

Pros

• ✅ High Regulatory Status: Regulated by top-tier authorities including the FCA (UK) and CYSEC (Cyprus).
• ✅ Established Track Record: Operating since 2011 with a high “AAA” Influence Rank.
• ✅ Software Options: Offers both a Proprietary platform and the industry-standard MT4.
• ✅ Global Support: Customer service is available in over 8 languages, including English, Spanish, German, and Chinese.

Cons

• ❌ High Complaint Volume: 21 complaints received within the last 3 months.
• ❌ Withdrawal Issues: Multiple user reports cite delays and deductions during fund withdrawals.
• ❌ Clone Risks: Regulatory bodies have issued warnings regarding unauthorized entities impersonating XTB.
• ❌ Platform Limitations: Does not support web-based trading other than the specific PC/Mobile applications listed.

Is XTB Safe? Regulatory Analysis

XTB operates under a strict regulatory framework, holding licenses in multiple jurisdictions. This multi-layered regulation is a key factor contributing to its 7.10 WikiFX score.

Regulatory Licenses

• FCA (United Kingdom): XTB Limited is regulated by the Financial Conduct Authority (License No. 522157). The FCA is considered a Tier-1 regulator, offering high protection for investors.
• CYSEC (Cyprus): Regulated by the Cyprus Securities and Exchange Commission (License No. 169/12) under XTB Ltd. This license allows passporting services throughout the European Economic Area.
• ICDX & BAPPEBTI (Indonesia): The broker holds licenses with the Indonesia Commodity and Derivatives Exchange and the Commodity Futures Trading Regulatory Agency, authorizing its operations in the region.

Regulatory Warnings and Clones

Investors should be aware of “Identity Theft” risks in the industry. The National Securities Market Commission (CNMV) of Spain has issued warnings regarding “Clone” entities (such as “NOVA TRADE CORE” and “TBFX TRADES”) that have no relation to the legitimate XTB group. While the legitimate XTB is regulated, traders must ensure they are interacting with the official domain (xtb.com) to avoid scams impersonating the brand.

Real User Feedback and Complaints

User feedback highlights a disconnect between the broker's regulatory status and the client experience in certain regions.

Withdrawal Delays and Deductions

Multiple users have reported difficulties accessing their funds. Complaints range from extended waiting periods to disputes over the amount received.

• Deductions: A user from Ecuador reported a discrepancy where a $200 withdrawal resulted in only $140 being received, labeling the incident as a scam.

Extended Delays: A client from Saudi Arabia stated they waited over a month for a withdrawal. The bank allegedly rejected the transfer, but the funds were not returned to the trading account for an extended period, despite agent promises.

Unresponsive Support

Users from Colombia and Bolivia mentioned that customer service channels were often unresponsive or relied on automated bot replies when addressing withdrawal queries. One user noted communication with their bank showed no incoming transfers, yet the broker's support remained silent.

Potential Scam Activity (Clone Risk)

A user from Taiwan reported a classic “fee scam” scenario where they were asked to deposit more capital to unlock earnings. Note: Given XTB's regulated status, this specific case may likely involve a “Clone” platform impersonating XTB, as highlighted in the regulatory warnings section.

Trading Conditions and Fees

Platforms

XTB provides a dual-platform approach to cater to different trader preferences:

• Proprietary Platform: A self-developed trading environment designed for both mobile and PC use.
• MT4 (MetaTrader 4): Supports the widely used MT4 software, known for its customizability and analytical tools.
• Availability: Platforms are available for Android, iOS, MacOS, and Windows. However, web-based trading appears limited based on the provided data.

Final Verdict

XTB presents a complex profile for 2025. While the broker is regulated, the user experience in certain regions appears to be suffering friction.

To stay safe and view the latest regulatory certificates, check XTB on the WikiFX App.