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CFDs and real stocks in a trading platform with free deposits and no conditions - that's XTB.
Offer: 3.8% interest on account balances on non-invested deposits
Payment options
Pro
- Simple trading platform
- High number of tradable assets
- Large selection of payment methods
- PayPal deposit possible
- 3.8% interest on account balances for new customers (2% for existing customers)
Contra
- No real cryptocurrencies available for trading
- PayPal deposits with fees
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Verified provider
Long-standing expertise
Transparent selection
Regulated platform
If you want to earn money with cryptocurrencies but don’t want to manage them yourself, CFD brokers like XTB might be an option for you. What distinguishes the broker, what experiences we have had, and what fees you might incur are explained in our XTB test.
What is XTB? – the Broker before the Test at a Glance
XTB is a so-called CFD broker. CFD brokers are platforms that offer CFDs instead of real securities. CFDs are contracts for difference. They always reflect the price of an underlying asset. Nevertheless, you can now also trade real stocks and ETFs with XTB. German stocks are then traded via the Frankfurt Stock Exchange. This means that XTB, as a broker, combines trading in high-risk derivatives and real securities for long-term wealth accumulation.
The company behind XTB
XTB was founded in Warsaw in 2002 and has been on the market for over 20 years. Since 2016, the broker has been listed on the Warsaw Stock Exchange, which means additional transparency through regular disclosure requirements. For German-speaking customers, XTB S.A. German Branch, based in Berlin, is responsible.
Regulation and security
The main supervision is carried out by the Polish financial supervisory authority KNF. The German branch is additionally registered with BaFin. Further regulations exist through the FCA (UK) and CySEC (Cyprus). Customer funds are held in segregated accounts separate from company assets. In case of insolvency, the Polish deposit guarantee fund applies: up to €3,000 at 100%, above that up to €22,000 at 90%.
XTB Fees: the Costs at the Broker at a Glance
First of all, XTB is free. This means you don’t have to pay any custody fees. Instead, XTB finances itself through the so-called spread. This is the difference between the buying and selling price of an asset. The spread varies depending on the asset.
Our Experiences with the XTB Fees for Crypto CFDs
The spread for cryptocurrencies varies depending on the specific cryptocurrency. As a general rule of thumb, the spread for coins with high trading volume is lower than for less popular cryptocurrencies. The spread starts from 0.22%. For comparison: regular crypto brokers like Bitpanda or Coinbase rely on spreads of well over 1%. Here you can find a selection of the minimum spreads (however, these can be significantly higher at certain times).
| Cryptocurrency | Spread |
|---|---|
| Bitcoin (BTC) | 0,22 % |
| Ethereum (ETH) | 0,25 % |
| Ripple (XRP) | 0,5 % |
| Litecoin (LTC) | 0,45 % |
| Bitcoin Cash (BCH) | 0,45 % |
The low spread for the two largest cryptocurrencies, Bitcoin and Ethereum, is particularly positive.
XTB Fees for Foreign Exchange
The spread is significantly lower for Forex trading. Here one often speaks of so-called pips. A pip is the smallest possible change for a trading pair. In the following overview, we have listed the most important currency pairs including the spread for you.
| Currency Pair | Spread |
|---|---|
| EUR/USD | 0,00008 |
| EUR/GBP | 0,0001 |
| AUD/USD | 0,00011 |
| USD/CAD | 0,00015 |
| USD/TRY | 0,00420 |
It is noticeable that the spread for the USD/TRY currency pair is higher than for other currency pairs. However, this is mainly due to the high volatility of the Turkish lira and is therefore normal.
Fees for Trading Real Stocks
While many brokers at least charge a small order fee, you can trade real stocks completely free of charge at XTB. At least up to a monthly trading volume of 100,000 euros. However, the limit should be more than sufficient for private investors. If you still reach a higher trading volume, a fee of only 0.20 percent of the traded amount is charged.
So if you trade for 101,000 euros within a month, you only pay a fee of 0.20 percent on the 1,000 euros. In that case, that would be 20 euros.
Our XTB experience with fees is particularly positive because the spread has continued to decrease over the past few years. For instance, the fees during our last XTB test in 2025 were higher than they are now.
Deposits and Withdrawals at XTB: our Experiences
While international crypto exchanges like Binance or Kraken only offer a few payment methods, things look different at XTB. You can not only deposit for free via bank transfer, but also deposit at XTB via PayPal or credit card. It is particularly advantageous that almost all payment methods are free and without a minimum deposit amount. Here is an overview of the deposit methods including their fees:
| Deposit method | Fees |
|---|---|
| Bank transfer | 0 % |
| Credit card | 0 % |
| PayPal | 0,85 % |
Withdrawals are free and are processed daily.
XTB Customer Service: how to Reach Support
If you entrust your money to a trading platform, support is particularly important. If the support is not available or access is difficult, this often causes fear among investors. In this regard, XTB users do not have to worry. On the one hand, most questions are already answered in the XTB help center.
However, if you cannot find an answer to your question, you can reach XTB customer service via email, live chat or even by phone. We particularly welcome the telephone customer service. Because that is a rarity with many brokers and crypto exchanges.
Open an XTB Trading Account and Trade Cryptocurrencies
If you want to conduct an XTB broker test yourself, you need an account. You can create one for free. Opening an account at XTB is a simple process. You can register online and will need to provide some personal information. This usually includes your name, email address, and phone number. In addition, XTB will ask you some questions about your previous trading experience. Since trading CFDs is very risky, these questions are necessary. This helps XTB assess to what extent you can correctly evaluate the risks of trading.
In order to be able to access all functions of XTB, you must also carry out an identity check. XTB is legally obliged to do this. Then you have to be patient until XTB has verified your identity. Normally, however, you can start trading CFDs and real stocks at XTB on the same day.
XTB offers a user-friendly trading platform where you can use charts, real-time market data and various trading tools. You can either trade manually or implement automated trading strategies. For beginners, we recommend starting with the XTB demo account, with which you can test the platform without risk. Important: You can only use the XTB demo account for 30 days. This is not as well solved compared to other CFD brokers.
Conclusion: how Good is the CFD Broker XTB Really
If you want to trade cryptocurrencies and use them technically, XTB is the wrong place to go. This is because, as mentioned at the beginning, it is a CFD broker. For a fair XTB review, it is therefore necessary to only use criteria for CFD brokers and not for crypto exchanges. Overall, XTB was convincing in the test. The user interface is clear, so even beginners should be able to find their way around. With tight spreads, numerous free deposit methods and a large selection of tradable assets, XTB is therefore even one of the best CFD brokers on the market. We only consider the limitation of the demo account to 30 days as a disadvantage.
CFDs and real stocks in a trading platform with free deposits and no conditions - that's XTB.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% 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.
