XTB Reviews

XTB stands out as an established, publicly listed multi-asset broker with more than 20 years of market experience and over 2.5 million clients. Its main strengths are a clear, easy-to-use interface and an unusually broad offering of more than 12,300 instruments — including 39 crypto CFDs alongside real stocks, ETFs, forex and commodities. The 0% commission on stocks and ETFs up to €100,000 in monthly volume, the XTB card and payment account, German-language support and the depth of educational material all add to its appeal.

The key thing to understand is how XTB offers crypto: as CFDs rather than as actual coins. That's a deliberate product design, not a defect — CFDs let you go long or short with leverage and built-in risk controls. But it does mean you never own the underlying crypto and can't move it to a personal wallet. If your goal is self-custody or long-term holding of real coins, a dedicated crypto platform fits better; if you want regulated, flexible price exposure within a single multi-asset account, XTB's approach is a sensible match. Some users also note room for improvement in support responsiveness and app stability.

Overall, XTB is best suited to investors who want a regulated, broadly positioned broker with German-language service, strong stock and ETF conditions, and integrated crypto CFD trading — and who value a simple, clear and intuitive interface over direct crypto ownership.

**CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.