Is XTB reliable? I use it with ETFS

Do I like XTB?
Yes, I like it a lot.

Do I always use XTB?
No, I don't. I really like it for creating and managing investment portfolios (with ETFs), but for more active trading I use other options.

Isn't XTB suitable for more active trading?
Yes, it is. But I prefer brokers that offer MetaTrader for active trading (e.g., Forex)... it's a matter of personal preference, as the XTB platform is by no means bad.

Do I recommend XTB?
It's one of my favorite brokers. Very good regulation, excellent customer service, and a great range of assets. Absolutely, I recommend it.

You can see my ranking of the best stockbrokers here

Is XTB safe? | Regulation and guarantees

Without a doubt, we can say that XTB is a completely safe broker, in terms of its financial activity. 

In fact, it is so regulated that it is overseen by the main European supervisory authorities, as shown in the following table:

Finally, for added security, XTB is a publicly traded company, which increases transparency and accountability in its financial management. If you're interested in finding out more, it's listed on the Polish Stock Exchange under the ticker symbol XTB.

A reliable platform for investing in stocks, ETFs, and more

• ✔️ Invest in real stocks and ETFs with no commissions (up to $100,000/€ per month).
• ✔️ Intuitive platform with advanced graphics and real-time news.
• ✔️ 100% Spanish customer service and physical offices in Spain and LATAM.
• ✔️ Broker regulated by the FCA (UK) and other European authorities.

+1.400.000
Customers worldwide

Start with XTB

Available assets:

XTB offers a wide range of financial products, including more than 5,800 instruments, allowing traders to diversify their portfolios and find opportunities in different markets (stocks, bonds, cryptocurrencies, etc.).

However, the broker stands out for its offering of ETFs and investment plans (What are ETFs?).

ETFs are essentially a collection of stocks , bonds , or other assets, diversified into a single fund. This allows you to gain exposure to a market sector, such as healthcare, artificial intelligence, or technology companies, without having to buy each company individually. They are often a very good product for beginners because they provide a simple and diversified way to invest in the stock market with fewer risks and drawbacks .

Investment plans with XTB

An investment plan, on the other hand, is basically a portfolio of ETFs. The key features of this product are:

• The client decides which ETFs are part of that portfolio, and in what percentage.
• There is a universe of more than 300 ETFs to choose from (equities, fixed income, commodities, etc.).
• There is an option to make automatic contributions to your investment plan, so you can set up the auto-investment option and each month the amount the client wants will be contributed to their investment plan(s), respecting the weightings that the client had initially set up.

You can find out more about the investment plans offered by XTB here.

Commissions

Fees depend on the asset traded and the account type (you can see a breakdown of all fees at this link ). The broker does not charge fees for spot stocks and ETFs

XTB Platforms

Next, let's look at the platform that XTB: xStation 5.

xStation 5

xStation 5 is a professional and comprehensive trading platform designed to meet the needs of trading in different financial markets, such as forex, indices, commodities and stocks, from a single account.

• Usability: It should be added that although its interface is not the most intuitive out there, it more than makes up for it, allowing traders to operate in any type of market with just a couple of clicks.
• Tools: It offers advanced technical analysis tools, such as indicators, oscillators, and chart patterns, that help traders make more informed decisions. In addition, xStation 5 provides real-time financial news, allowing traders to stay abreast of the latest economic and financial developments that may affect the markets.

XTB mobile app

The mobile app XTB is designed to allow traders to operate in the financial markets from anywhere, at any time, using their mobile device. The mobile app offers the same features and services as xStation 5, including the ability to trade in various financial markets, advanced technical analysis tools, real-time financial news, and a user-friendly and intuitive interface.

In fact, it only remains to add that the mobile app XTB is compatible with iOS and Android operating systems, which means it can be downloaded and used on any mobile device.

And as with the web version, traders can also customize the application according to their personal preferences, making the trading experience more comfortable and tailored to their needs.

Customer service at XTB

Customer service is highly rated, offering support in Spanish 24 hours a day from Monday to Friday via chat, email, or telephone.

XTB Awards

A key aspect for any broker to consider is its national and international recognition. XTB has received numerous awards from various public and private financial institutions and organizations over the years, and continues to be one of the brokers with the most awards.

My experience with XTB

Among the things I like about this broker, three stand out in particular: its excellent customer service, the trading platform offered, and the range of investment plans for those looking to invest long-term.

XTB is one of my favorite brokers for trading stocks. This is largely because XTB doesn't charge commissions for spot stock trading and because of the platform it provides to traders.

When you start trading, you'll discover that it's important to familiarize yourself with the platform you'll be using. This always involves a learning curve, and in some cases, this learning curve can be quite long, especially with more robust trading platforms (e.g., Interactive Brokers). This robustness often comes at the expense of the platform's simplicity. In other words, the more feature-rich the trading platform, the more difficult and complex it tends to be to use.

Knowing this, XTB has developed a trading platform that, without sacrificing many of the tools that the most active traders look for, remains extremely user-friendly.

Furthermore, if after trying the platform you still feel you need help, you can always turn to XTB support , one of the best customer service departments I've ever encountered. For these two reasons alone, XTB is a broker worth trying.

Another major advantage of XTB is its investment plans. Essentially, an investment plan is a portfolio of ETFs, although much simpler to set up operationally. This product is ideal for long-term investing because it allows for small, regular contributions.

It's important to know that you are the one who decides which ETFs are part of this portfolio, and in what percentage.

The truth is, I have no complaints about XTB. For these reasons, and many more, XTB holds a prominent place among the best stockbrokers, and is one of the brokers I use and recommend most often.

XTB ⭐⭐⭐⭐⭐

Main Advantage:

🏢 Physical offices in Spain and LATAM + 100% Spanish-language service.

Ideal for: Investors looking for an easy-to-use platform in Spanish.
Recommended level: 🟢🟡 Beginner – Intermediate.
Investment type: Portfolio planning and long-term investing.

Note: 9.7/10

Go to XTB

XTB user reviews

✅ The best of XTB according to users

• Competitive commissions: It offers commission-free trading on stocks and ETFs up to a monthly volume of $100,000/€, making it attractive for long-term investors.
• xStation 5 platform: Notable for its intuitive design and advanced tools, such as account statistics and market scanners.
• Strong regulation: Regulated by top-tier authorities such as the FCA (UK), CNMV (Spain) and CySEC (Cyprus), which gives users confidence.
• Interest on uninvested balances: Offers competitive interest on uninvested funds, for example, up to 4.9% in some currencies.
• Wide range of instruments: Access to over 3,000 real shares, ETFs and a variety of CFDs on forex, indices, commodities and cryptocurrencies.

⚠️ The worst thing about XTB according to users

• Currency conversion fee: A 0.5% fee is applied when converting currencies, which may affect those who invest in international markets.
• Inactivity fee: Charges $10/€ monthly after 12 months of inactivity on the account, which may be a disadvantage for passive investors.
• Limitations on external platforms: It does not offer support for popular platforms such as MetaTrader 4 or 5, which may be a drawback for some traders.
• Fees for large portfolios: A custody fee applies to accounts exceeding $250,000 USD/€, which may be a consideration for high-net-worth investors.

Conclusion:

XTB has established itself as one of the most popular brokers among retail investors in Spain and Latin America, especially those looking to trade stocks and ETFs commission-free. Users highlight its ease of use, customer support in Spanish, and educational tools.

Most comments on social media and trader forums reflect a positive experience, highlighting XTB's transparency and reliability as a broker

In short, if you're looking for a broker with an intuitive platform, no commissions on stocks and ETFs, and strong regulatory backing, this is a broker I often recommend and can fully trust.

🛡️ Legal notice

The opinions shown are from real users and have been collected from external platforms. Some are presented as screenshots to preserve their original format.

The analysis and comparative assessments are prepared by the author of this article for informational purposes. We recommend always consulting the official terms and conditions on each company's website before making any decisions.

Sources and references:

1. XTB invest in Investment Plans
2. About XTB
3. National Securities Market Commission (CNMV)
4. Financial Conduct Authority (FCA)
5. Trustpilot

Norberto Viale( Trader and founder of Topstep Experience )

My name is Norberto. I've been investing and trading for over a decade. I'm also the author of the Topstep Experience trading course. If you want to learn how to invest and have any questions, feel free to contact me.