XTB
X-Trade Brokers DM SA (mātes, WSE: XTB); XTB Cyprus Ltd (krypto) · PL · 7 countries served
XTB is a Polish multi-asset broker (founded 2002, public on WSE: XTB) with full LV/LT/EE localization and local partner managers in Baltic languages. In early 2026 launched SPOT crypto via Cyprus entity. Multi-asset platform — stocks + ETFs + crypto + CFD.
NorriWire does not maintain an affiliate agreement with this platform.
Fees
| Spot maker | 0.50% |
| Spot taker | 0.50% |
| SEPA deposit | Free |
| Card deposit | 2.00% |
| SEPA withdrawal | Free |
| Crypto withdrawal (avg) | €0.00 |
Features
- ✓SEPA transfers
- −Bank ID support
- ✓Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- ✓Derivatives (futures/perp)
- ✓25+ crypto trading pairs
Supported fiat currencies: EUR, USD, GBP, PLN, CHF
Pros
- ✓Public company (WSE: XTB)
- ✓Full LV/LT/EE language support + local partner managers
- ✓Multi-asset (stocks + ETFs + crypto + CFD)
- ✓SPOT crypto in addition to CFD
- ✓KNF (Poland) + CySEC regulation
- ✓23 years of broker experience
Cons
- ✗Crypto offering relatively new (2026)
- ✗CFD trading mainly suited for advanced users
- ✗Limited coin selection (~30)
- ✗No Proof of Reserves
- ✗CFD requires understanding of leverage risk
Full review
XTB — Poland's WSE-Listed Broker with Full LV/LT/EE Local Support
X-Trade Brokers DM SA (XTB) is a multi-asset broker founded in Poland in 2002, listed on the Warsaw Stock Exchange since 2016 (WSE: XTB). The company operates under primary regulation by KNF (Poland) and FCA (UK), and offers forex, equities, ETFs, index and crypto CFDs across 13+ countries.
Within the Norriwire context, XTB is the only major multi-asset broker with full LV+LT+EE coverage and dedicated local partner managers in Baltic languages — a genuine differentiator among all TOP 10 candidates.
Where XTB Stands Out
Full Baltic localisation. The XTB Partners programme includes local partner managers who operate in:
- Latvian (LV market manager)
- Lithuanian (LT market manager)
- Estonian (EE market manager)
This is a significant advantage for Norriwire's content requirements.
Multi-asset portfolio:
- 4,000+ equities and ETFs (as of 2023)
- 50+ forex pairs (EUR, USD, GBP, CHF, JPY)
- Indices and commodities (CFD)
- 15–20 cryptocurrency CFDs (BTC, ETH, BNB, XRP, ADA)
xStation 5 platform. XTB's proprietary trading platform — rated higher than MetaTrader in multiple tests. Available as web, mobile and desktop.
Fees
| Service | Fee |
|---|---|
| Forex spread (from) | from 0.1 pip |
| Equities / ETFs (up to €100k/month) | 0% |
| Equities / ETFs (>€100k/month) | 0.2% (min €10) |
| Crypto CFD spread | from 0.34% |
| SEPA deposit | €0 |
| Card deposit | 0 (up to 2% depending on country) |
| Inactivity fee | €10/month after 12 months |
⚠️ Important note: XTB's crypto offering is CFD-only (a derivative contract), not real cryptocurrency. Norriwire content must clearly state that users do not hold the underlying cryptocurrency and cannot withdraw to their own wallet.
Regulation and MiCA
XTB Partners operates under KNF (Poland) and FCA (UK) MiFID II licences. A MiCA CASP licence has been applied for, but has not yet been approved (as of 2026-05).