Broker XTB reviews our editorial:

XTB Broker Demo Account

Before you start trading authentic cash CFDs, you should first learn about the trading platform. You can use your demo account for this. The XTB broker provides its clients with a free demo account. By creating such an account, you will have at your disposal all the tools and charts that are offered in the authentic account. You have the opportunity to additionally track current price fluctuations and invest virtual money in the same way as real money.

You can switch your account type to authentic at any time. As soon as you feel that you are ready to invest real capital. A demo account will allow you to gain real experience, not just theoretical experience. Just like reading business books or watching videos on YouTube. If, on the other hand, you would like to know outstanding investment strategies and to deepen your theoretical knowledge, then we would like to propose two books. Zenon Komar – "The Art of Speculation" and Jack D. Schwager – "Market Wizards. Conversations with outstanding traders" can help you analyze and concept the rules governing the stock market.


If you want to hear from other investors about XTB, or are you wondering which broker to choose?
#####To check out cfd broker ranking ####!
The ranking of Forex CFDs brokers was created by a team of investors.
Based on many years of experience, and comments and opinions of thousands of users on the forum.


How do I settle my money?

Do not forget that, each investment service charges a spread when you make your next investment, it is a commission for brokering a trade, usually it is a hundredth or thousandth of % of the amount you invest. The amount of the spread depends only on the company's policy and can be fixed or variable. Each profit also this from the investment is taxable and you have to settle with the money earned, in your tax country. In Poland, PIT-38, which accounts for income from financial capital and the acquisition of derivative financial instruments for consideration, is used to settle the income from investments on the stock exchange. If you are not sure how to fill out PIT-38, you can seek or seek advice from a legal adviser online. You can also settle online, in which case filling the PIT should not cause you any difficulties.

XTB broker help and terms and conditions our opinion

The contact with the technical department was wonderful, we received answers almost immediately to any inquiries. This was extremely useful information that explained all our objections. The answers offered by the technical team were at a good level.

Also, the support of the XTB broker works quite neatly, live chat is an excellent choice. It is easy to get help expressly. After you send the question and explain your own problem to the employee. During the platform testing, we wrote to the support asking: "What method is the best way to withdraw money". So that they will end up on our private account as soon as possible. We received a meticulous response, which greatly helped us to make the final decision. The support worker was extremely polite. He really tried to help and advised us the fastest possible method of withdrawing money.

In the rules of the XTB broker we found a lot of useful news regarding, among others: Financial instruments made available by the platform. Leverage that inexperienced and professional investors have the opportunity to use, as well as detailed information relating to the broker itself. Such as your organization's mailing address, a list of phone numbers you need. As well as email addresses, and license numbers that the broker has.

How to create a demo account

Registration of the XTB demo account went without any problems, but on the site it is not possible to choose your native language. The entire registration must therefore be carried out in English, which is a hindrance for many people. Unfortunately, after creating an account and logging in to the platform, it was also not possible to modify the language. Therefore, the entire registration of the demo account, as well as all investments, we had to implement in English. This was laborious and not very pleasant because the translator does not translate professional slogans very well, just like stock market issues.

Reading the terms of the agreement in English was also quite complicated. The English official language is impossible to translate in the translator, and the terms of the agreement have an unusually large number of pages of text. Unfortunately, that is why we have devoted a lot of time to properly translating and understanding the whole agreement.

In our impression, the conditions offered by this company are not the most favorable for new investors. Many of the intermediaries tested by our team offer more interesting conditions to their new contractors. Many investment services do not provide 100% security for their users under each account, because they stress that in some extreme cases, there may be situations when the stop loss system does not work too quickly. Investors have to reckon with the possibility of losing their capital, despite using the stop loss option.

The biggest advantages of the XTB broker in our opinion

The biggest advantages that this platform has are undoubtedly training materials. Instructional videos, individual advice in the field of investing, a large number of financial instruments that make learning much easier. There is an option to test the platform in a demo account and an extremely valuable economic calendar. A huge positive of this service is the fact that it has a private web application. Which greatly simplifies decision-making and investment. In the course of the tests, we paid great attention to the risk records associated with the opening of investments. As well as what % of users investing through a given broker, unfortunately, in the case of this service, the % of the customers who record losses is unfortunately large.

To make matters worse, we searched for the official account of each of the brokers on Facebook, and then studied all the comments on such a profile. A significant detail of our test was to check the reliability of the company address of each intermediary, stated on the official website. In several cases, during the whole test, we did not find any institution's headquarters or a specific office at the address indicated. However, in the case of XTB, the address provided has been confirmed and is authentic.

XTB broker negative reviews of our team

In our opinion, this platform is a pretty good intermediary. However, it also has its drawbacks, which need to be taken into account. Browsing foreign-language forums for investors, mainly in German and French. We came across a lot of xtb broker entries. The reviews were mostly flattering, albeit extremely short. Consisting of one or two words. However, the small amount of speech was negative. We analyzed these opinions carefully in an attempt to determine whether they are real or false. A large proportion of investors were dissatisfied with the period that had to wait for money to be withdrawn from the investment account. According to their opinion, they were obliged to wait too long before the funds were credited to their private account.

XTB Broker Withdraw money

We decided to test it and see how long it takes to transfer money from this platform. First, we carried out a real transfer to the account of the XTB broker. The deposit came to the stock account in a heartbeat and after a few days we had the opportunity to invest real cash. There were also no too large fees or commissions for the payment. After a few days of checking the platform, it was time to withdraw the money earned. So we decided to choose the same withdrawal method that we used to make the first deposit. We hoped that everything would go smoothly, although at the very beginning we met with a commission for the broker. As well as with a small fee for the money transfer order.

Since the transfer order to our bank account we have had to wait much more than 5 days. Before the money was in your account. During this period, we sent an inquiry to the technical team. Technical assistance declared that the delay is probably due to the limitations of our bank. Therefore, we acknowledge that XTB is under no circumstances responsible for them. Therefore, we cannot clearly determine how much time you have to wait for the money transfer. Because depending on the method of transfer used, this time may vary. In our case it was much over two days. In our feeling, it was far too long and we do not consider it an advantage of the platform.

Which broker to choose?

Choosing a trading platform is the most important decision for any investor. Because the investment service mediates with even the smallest transaction and it is to him that we send our money. It must therefore be sure and trustworthy. In this material we will try to mark your own opinions about the XTB broker. But in addition, explain a bit about making money on the stock market and investing in CFDs. The amount we decide to invest is important.

Because the bigger the finances we invest, the greater the chance of profit, but also stronger stress. Contrary to appearances, nerves can greatly influence our decisions. It is always worth trying to keep a cool head and not settle decisions under the influence of the moment. The art of logical thinking being under a lot of stress. This is a very useful feature among professional investors.

XTB broker reviews forum

Reviews on the forum this platform gets from the side of investors in large part negative. Our editors tested the demo account and the real account for six days. We checked how deposits and withdrawals work, and what comments on the forum the XTB broker earns from the best investors.
If you would like to find a tried and tested broker. One that will secure your money transfer in any situation. So choose reasonably, check out the ranking of forex CFDs.
Then decide which service will be good for your trading tactics.

The XTB broker allows you to invest in a variety of assets. For example: CFDs on stocks of well-known companies, cryptocurrencies, commodities and Forex. There is a chance to earn a lot on them. But similarly quickly you can lose your invested money as well as go to zero. Before proceeding to describe this platform as well as expressing your own assessment on the subject. We would like to present to our readers first what we focused on during the test. Most often we asked questions about whether the XTB broker:

  • provides a free demo account?
  • has the required legal licenses and is safe?
  • was not placed on the list of warnings?
  • convinces to make real money and presses to make significant deposits?
  • What are the opinions on the investor forum?
  • What are our experiences?
  • We also looked at whether native language is supported.


Interesting questions that we want to answer.

We would like to answer the most frequently asked questions about the XTB broker that we get from you to our e-mail address. We only predicted the most interesting ones, because most of them repeated themselves:

  • Is the XTB broker solvent? – indeed, during our test there were no problems with the withdrawal of money, not taking into account the rather long time of waiting for the transfer of funds.
  • XTB reviews– most often gets from a growing number of famous investors. We checked on several popular business portals and managed to search for a lot of interesting content, as well as insights about this broker.
  • Scam or not? – it is certainly not a scam, such a company is registered.
  • XTB Test Account – The test account is available without having to make a deposit.
  • XTB broker negative reviews- on the forum receives very occasionally, usually they are caused by an investor error. Which blames the broker for his missed investment, but most of the feedback is positive.
  • The best broker – according to our assessment there are many better platforms, but this is our private opinion. Certainly some people can argue that the XTB broker is the best.
  • XTB negative comments – on the forum and facebook receives rarely, usually contractors complain about the long period of waiting for the payment of earned money.
  • XTB demo account – provides a free demo account, with no time limit. Unfortunately, after using all the virtual funds received, it is not possible to continue to use it.


Where to start?

If you are a new inverter and do not have much trading experience yet. We suggest that you focus on one or more categories. Which specific categories you choose are entirely up to you. However, remember that the more you specify your goal, the more time you will have the opportunity to spend on a thorough analysis of the current situation. The most important categories are commodities (gold, silver, oil), stocks of companies (Apple, Orlen, CD Projekt), forex (USD/EUR, PLN/EUR, CHF/USD), cryptocurrencies (bitcoin, ethereum, xrp), domestic indices (WIG 20, USA 500, Germany 30) and commodities (coffee, sugar, corn). By selecting one category, you can analyze historical fluctuations in values in detail and try to draw conclusions. You should be wondering what the value of the assets in question has been like in the past.

If you decide to address only one specific category e.g. cryptocurrencies, then after a certain period you will notice. Exactly that all information from the country as well as from the world will begin to analyze through the prism "and how it will affect cryptocurrencies". For this sake, your next investments will be the result of insightful thoughts. They will no longer be a case as it will probably be at the very beginning. Most professional investors also choose only one key category, and then allocate up to 80% of their investment time and capital. There is no man in the world who knows everything, so one field should be chosen from the very beginning. Spend as much time as possible on analyzing it, rather than dividing it between different categories.

XTB Broker Demo Account

Most well-known brokers provide a free demo account, in most cases demo account registration does not need to confirm any data. The XTB Broker does not require any deposits to activate the demo account. So you can check the effectiveness of the platform for free. Order execution speed and connection quality to the app. Without even the slightest danger of losing real money. This platform also offers a demo account to its customers, but applies a budget constraint. This means that we get at our disposal in advance the calculated amount of virtual currency. Which does not restore when exhausted. This indicates that after spending the entire sum we have to decide whether we want to transfer the real money to this broker. But is it better to check a few other platforms before we make a decisive decision.

Any good investment service in our opinion should offer revolving funds in a demo account. So that every inexperienced user has unlimited ability to completely test the platform under each account. During the tests, it turned out that several brokers set time limits for the use of a demo account. Mostly it was a month of time, during which the novice investor had to learn all the important functions of the platform. After this period, the demo account was suspended and there was no chance to extend it. At that time, only the option to transfer real money was left. The XTB Broker does not apply time limits on the demo account. We can use them until all virtual money is spent.

Our opinion on XTB

The xtb broker's website has not convinced us much, the shades of buttons, the graphics layout and the color are not intuitive and can cause problems for novice investors. To make matters worse, an ad is being made too notorious to encourage real money. According to our impression, navigating the site is not simple. A big problem, which also hindered the quiet use of the services of this broker was the fact that the website cut every now and then, or very long loaded, or even suspended.

However, we do not accuse the XTB broker for this because we can not be 100% sure whether these problems were not caused by our internet in the editorial office or the equipment we used at that time. Or any other external factor not related to the XTB broker such as server problems.  However, this is only our assessment, which is due to our own insights and thoughts, each person will have a different impression about this service. So we think it's best if you check for yourself if this platform meets your expectations.

According to our assessment, the XTB broker will not be the best choice for beginners and professional investors, because the composition of the site as well as the color scheme used on this platform can be hugely confounding for novice users. On the other hand, a non-high number of special charts can make it much more difficult for experienced investors to analyse the market. Broker XTB reviews on the forum scores mostly positive although these are mostly very suspicious comments in the style of "recommend". We therefore have no way of estimating whether these comments are really true and placed by many investors. Or has one person placed a plethora of the same entries about this broker to persuade new investors to transfer real money to this platform.

Emotions and stress

Nerves are an integral part of investing in the stock market, but nerves and stress are the worst advisers. The very thought of being able to make money or lose significant money raises some emotions. However, if you are faced with the choice of "withdraw – do you wait?" And at stake will fluctuate your 50 thousand zlotys, the nerves will reach the zenith. What decision you make in such a situation will depend to a large extent on your emotions. If you manage to control your stress and emotions then you have a chance to become one of the most outstanding investors.

On the web you have a chance to find a lot of guides and books on how to deal with stress. Making meaningful decisions while under pressure from intense nerves is not a good option, but that's what it's all about investing in CFDs. There are quite a few techniques that allow you to lift control over your nerves and even absolutely silence them. Many experienced investors recommend, among other things, meditation or yoga practice.

Every investment is associated with the risk of losing capital, before investing any amount in the hope of profit, you must nevertheless consider whether a possible loss of this money in the event of a bad investment will not affect the state of your life. One of the most important rules of professional traders is to invest only those funds whose loss will not have any relevance to their level of existence. Do not invest money if you are necessary for a normal life!

If you have savings that you intended to spend e.g. to rest or a newer car, then also think carefully before you bet on trading this money. Always count on the possibility of loss and never adjust to your advantage. As a result, you will not be in a bad situation under any circumstances. You will only be pleasantly surprised if an investment proves to be accurate and bonus cash will be credited to your account.

XTB Broker Training Materials

The most popular intermediaries offer their contractors a free demo account, used to learn how to invest, test innovative tactics as well as try out the trading platform. It works just like a real one, the only difference is the virtual currency. If you are a novice investor then remember that. "With each new investment, you will acquire experience and make fewer mistakes."

If you are looking for a tested broker, controlled by the finance committee as well as having legal licenses that ensure its solvency, then check the current ranking of CFD brokers. Each service highlighted in the ranking was checked and evaluated by our investors. When composing this ranking, we also took into account the opinions and comments relating to the XTB broker. Searched on the net not only on blogs in our language. But in addition, on English and German investment forums. Investing is always associated with danger. Therefore, do not invest money that could be lost to your living standards.


Price difference contracts, also known as "CFDs". They enable investors to earn equally on increasing asset prices and reducing them. What is not feasible for the classical exchange. The investor opens a contract with the broker and then speculates whether the price of the selected assets will decrease or increase. If his assumptions are confirmed and the value changes properly with his speculation, it benefits. CFDs allow you to use leverage, the so-called "levee" to multiply your income. A significant number of platforms offer young investors optimal leverage of 1:30. Nevertheless, experienced investors have the opportunity to apply for an optimal level of leverage.

The traditional leverage of 1:30 means that at the time of entering into a CFD, the amount invested by us will be multiplied by 30 times. For example, by transferring 100 euros to a broker account, we have the option to freely "locate" 3000 euros, and from the amount of three thousand we will earn %. If the value changes correctly with our speculations or lose if we make a mistake. Investing with leverage is quite risky, but it gives you the prospect of a gigantic return using a small amount of your own. When investing through brokers with legal licenses, there is no chance of becoming indebted. The balance of our stock account may at worst fall to zero. This means that by investing the above mentioned 100 euros, we can lose a maximum of 100 PLN. It is not possible for your account balance to be less than zero.

Before you make a decision!

Before accepting the final decision of which broker to choose, check the network for the most popular entries and comments about the XTB broker, or any other one you are interested in. On this blog, you have the chance to hear from people who have already had experience with multiple platforms. They recommend or advise against some brokers. Do not forget that every broker operating in our country is obliged to obtain legal licenses and authorizations allowing intermediation in the conclusion of transactions in the EU. Please note that an investment service that is controlled by a national or European Financial Commission guarantees greater security of your capital. You can also track the ranking of brokers and compare your choice with the choice of experienced investors. This will tell you what ranking the broker you selected and whether it is trustworthy according to other users.

The danger of investing in the stock market

Earnings on the stock market are always associated with some danger, but this danger can be reduced with the right knowledge, skills and practice. Professional investors make much more valuable trades than novice traders, and this is no coincidence. Beginners often make missed decisions. Because they will not quite appreciate the rules governing trade, they possibly do not pay adequate attention to significant events from the world. It is these events that soon affect the fluctuations in asset prices.

Professional players constantly assess the market situation and make decisions based on certain grounds. The path from a beginner to a professional investor is long and it is easy to misbeer yourself after the conclusion of several missed investments. Especially if we lose some of our real capital. Therefore, a great idea for new traders is to use a demo account to learn the platform. Try out new ways to invest and gain experience.

Your feedback and comments

Before you decide to transfer your savings to the account of a broker. Check out what reviews other forum readers have left behind about the XTB broker. The main thing is to choose such an intermediary, which will provide security and guarantee of payment of money. Our team would like to thank you for any comments about the XTB broker you write. Your feedback is very valuable to us. If you would like our team to try out a new broker, what feedback we do not have on our blog yet. We cordially encourage you to send you an e-mail with the name of this website and the address of its website.

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