XTB customer reviews

Updated: March 31, 2026
XTB
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Summary
Reviews of XTB present a deeply divided opinion among users. Many positive reviews highlight the platform’s ease of use, user-friendly interface, smooth withdrawals, responsive customer service, and useful educational resources. Some customers praise the offered interest on uninvested cash, free share promotions, and wide access to stocks and commodities, describing XTB as a reliable and modern broker. However, a large number of users criticize XTB for poor customer support, long and complicated verification and withdrawal processes, technical issues, and system instability during high market activity. Several complain about misleading promotional offers, such as promised free shares that were never delivered. Others describe severe operational flaws, such as forced expirations on instruments, limited trading hours, bad hedge management, and frequent platform freezes. Many users report unprofessional or even suspicious behavior, with some alleging manipulation of trades and unauthorized transactions. Overall, while XTB receives praise for its interface and educational tools, numerous users find it untrustworthy, inefficient, and profit-driven, cautioning traders—especially beginners—to stay away.
Adrian Jagielko
18.01.2026 | 13:36

Great Customer Service, very useful app and quite easy trading experience!

Mary Terry
17.01.2026 | 15:42

Not worth it , They payout is complicated and overall process is poor. Please avoid if you can .

Olivia William
14.01.2026 | 15:26

I had a terrible and awful experience Much obliged, exorpierce.

Bibek Karki
14.01.2026 | 01:59

I had verified my account done all the processes and in the app it would show account has been verified . When I tried to open my account it would show waiting for verification I contacted them and they told me that they need some documents. I told it’s ok and waited but still no one contacted so I have to wait for 2 weeks for my account to be verified 2 weeks just for verification when already provided the address proof, residency proof , face verification and all . Other trading platforms do the verification process on 5-10 minutes so this is the customer service in 2026 you have to wait 2 weeks what a joke

FZ
12.01.2026 | 12:36

They say they accept clients from Macedonia but they don't verify the address because they don't know how to read Cyrillic and then ask for invoices in English is a pity. For me XTB is a non-serious and amateur platform especially the support workers

Sérgio Pinheiro
10.01.2026 | 16:18

The amount involved was near £70k after my bank declined assistance. #{VᴇʀɪᴛᴀsRᴇᴅʀᴇss}# assessed the situation and the review concluded with funds returned.

Consumer
10.01.2026 | 01:15

Discrimination, retaliation, and a toxic work environment This review is based on my personal experience at XTB. During my employment, I was repeatedly subjected to discriminatory behavior and inappropriate remarks regarding my perceived sexual orientation, including suggestions like “go to the gym to fix my hormones” and similar degrading comments. These were humiliating, invasive, and unprofessional. I also faced work obstruction and unfair treatment: supervisors often ignored my questions or gave misleading information, making tasks unnecessarily difficult and creating a toxic, hostile, and psychologically unsafe environment. I submitted a formal whistleblowing report, which the Team Leader was not supposed to know about. Afterward, I was explicitly informed my contract would be renewed. However, the Team Leader tried to complicate things, suggesting unnecessary “training months” despite my high KPI performance. On my last working day, attempts to contact higher management failed (everyone was off). Eventually, the Team Leader called me to the office, made me work until the last minute, and repeatedly said we were “waiting for the legal team”—though no legal team was present. At the end, in a meeting room with only him present, he harshly informed me my contract would not be renewed because I submitted the report. My laptop was taken, and I was treated with suspicion and humiliation, including statements implying my activity would be monitored to prevent misuse. This experience was intimidating, humiliating, and unprofessional, demonstrating clear retaliation, breach of trust, and lack of whistleblower protection. It had a serious negative impact on my mental health and left me with the impression that employee dignity, inclusion, and safety are not genuinely protected. I strongly advise potential employees to carefully evaluate the company culture, management behavior, and actual effectiveness of anti-discrimination and whistleblowing policies, rather than relying solely on public statements.

Leslie
08.01.2026 | 20:23

Platform is very well setup and trading with you is a pleasure

customer
08.01.2026 | 12:43

Great communication and approach, very useful. It looks xtb is a very good company not working just in virtual space but as well in real world.😉👍

Martin Schneider
02.01.2026 | 15:44

Fast and functional support. Best fees I found.

John Muller
31.12.2025 | 01:54

Shady broker ! They are highly manipulative and i have deliberately engraved a more effective #choice in my #user #photos . #Superb service and quality pay .

jimmy
20.12.2025 | 10:22

Application au top commission presque inexistante top

Jupiter R.A.
19.12.2025 | 06:32

Avoid like the plague. They will trade against your position. Your win is their loss. Soon as you start making profit, they will throw some hoops, block your account or kick you out. Very dishonest market makers. Avoid at all costs

riki rex
18.12.2025 | 11:38

Big popups while trading cover important areas. To make it even more senseless, the writing is minuscule, in white on green. I suggested going to something more useful a few years ago, but the hypocritical way of asking how to make the platform better is just political correctness. Too often, technical problems arise, and the help team inevitably ask you to clarify things they should know. Imagine in situation where promptness is crucial for protecting your funds... virtually all firms share the same lack of elementary professionalism, and improvements will come extremely slowly if at all.

Pedro Arantes
17.12.2025 | 12:26

Son personas.

sbingu.razvan
10.12.2025 | 23:29

Great UX, sleek design, no hassle investments in minutes. Overall a very high quality and polished software product.

ANDREI-OCTAVIAN Mita
10.12.2025 | 21:44

Best and strong app

Soud Alanezi
10.12.2025 | 19:54

The best until today and easy to use :)

Juraj Šurka
10.12.2025 | 19:37

Easy for use.

Edgar Gabriel Teixeira Pereira
10.12.2025 | 17:45

Great app, but a bit confusing for beginners or people who aren’t tech savy

Johan Manuel Carreño Ballester
10.12.2025 | 17:18

The App is easy and friendly

Zulqarnain Qadir
10.12.2025 | 16:44

Good 👍1696886

Millennium
10.12.2025 | 16:07

I wanted to open a simple demo account with XTB, but the whole process was unnecessarily complicated and far too intrusive. To create just a demo account, I had to go through repeated email verification, SMS codes, and full personal-details forms — I had to start the process from the beginning three times. Then, only minutes after entering my phone number, I received an unsolicited call from XTB, asking me to upload my driving licence or ID and provide proof of address. I explained clearly that I only wanted a demo account to test whether I even liked the platform, not a real account. The response I received was unbelievable: “YOU CANNOT OPEN A DEMO ACCOUNT IF YOU DON’T HAVE A REAL ONE.” This defeats the entire purpose of a demo account. For around 1.6 million clients, XTB has one person sitting somewhere and interrupting all users as soon as they type their personal phone number. Unacceptable and disappointing. Now my personal data is stored with XTB for no valid reason, and this raises concerns about privacy, unwanted calls, and why people end up receiving suspicious contact after providing details to companies. Overall, this experience was extremely disappointing. A demo account should not require full KYC verification, unsolicited calls, or pressure to upload documents. The whole process felt more like data collection than offering a genuine demo service. I regret even starting the registration, and based on this experience, I cannot recommend XTB.

Lucian Bodron
10.12.2025 | 12:33

great experience

Francisco Jose Lobito
10.12.2025 | 11:43

Better APP trade

Kristián Kameš
10.12.2025 | 08:49

Like this broker very much

J W
10.12.2025 | 07:25

XTB still refuses to refund my initial investment in my ISA account directly to my registered bank account after filling internal complaints with their compliance team. They also ignored the ISA transfer to another alternative ISA provider request despite the fact that their compliance confirmed their transfer team has received the information will deal with transferring request. After HMRC recommended 30 days transfer period, this transfer was cancelled due to no responce from XTB although 3 reminders was sent during the one month period. The latest update in Dec:1) cash still remains with XTB since they refused to refund and transfer .2) XTB Compliance will take further 8 weeks to draw their findings and conclusion. This cash refund request has been going on for over 3 months, still unsuccessful. Word of warning : DO NOT TRANSFER CASH INTO XTB I will keep this matter updated into year 2026.

IOAN BITIUSCA
10.12.2025 | 06:52

I have no experience

Arfandi Arsyad Djaropi
10.12.2025 | 01:33

Very good and excelent

Arthur Portas
09.12.2025 | 21:58

Simple, very intuitive interface!

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