XTB customer reviews

Updated: May 23, 2026
XTB
Views868
Summary
Users report a mixed experience: some praise the platform for being fast, easy to trade on and occasionally offering competitive spreads and attractive cash/ISA rates, but the overwhelming number of reviews detail serious problems. Common complaints include extremely poor customer service—slow or no responses in chat, email and social channels, repeated “we’ve forwarded your query” replies and long complaint handling times. Many customers describe invasive, inconsistent and repetitive KYC requests (multiple rejected documents, repeated demands for bank statements and source-of-funds proof) that block account access or withdrawals and cause financial hardship. Numerous reviewers say they could not withdraw funds or experienced long, unexplained delays on deposits, transfers and ISA transfers, with some fearing money was lost or the firm was intentionally stalling. Several report technical trading issues (market opening delays, stop-loss not executed) that led to losses, and complaints about hidden fees or unexpected charges. Promotions and onboarding are criticised as misleading (free-share limits, unclear verification requirements), and some applicants were rejected for vague “business reasons.” A few users had positive, quick withdrawal experiences in the past, but most conclude they no longer trust the broker and some have escalated to regulators or are moving accounts elsewhere.
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!

ZDR
09.12.2025 | 18:17

J'aime bien la version internet car j'ai eu du mal à prendre en main l'application mobile. La version internet est plus ergonomique !

Vasile-Rares RUSU
09.12.2025 | 18:12

Awesome platform!

DD
09.12.2025 | 17:28

I am very disappointed with XTB – although until now everything seemed fine, probably because I had not encountered any problems. With the Unilever split, instead of receiving 8/9 shares as I should have, XTB sold all 20 of my shares, claiming they were fractional. I did not want to sell them, but XTB did it automatically, and I ended up with a significant loss. This is very serious. I have therefore lost my trust and will withdraw from this platform. Update: answer to XTB: already did that, nothing happened. Useless!

Dani Negoita
09.12.2025 | 14:06

I m love it. I like this app

Horotan Ionut Alexandru
09.12.2025 | 06:23

All good straightforward

LE BARON jordane
08.12.2025 | 23:27

Bonne application, facile a naviguer

Tanja Cvetkovic
08.12.2025 | 20:49

Experience is low,will see

Vasile Alexandru Dardac
08.12.2025 | 20:08

Great app, nice UI!

Dinca Cristian
08.12.2025 | 16:20

Amazing interface! Very easy to use! Self explanatory!

DUY TUNG Thai
08.12.2025 | 11:23

Fast response to my question and very convenient for vietnamese who want to invest abroad

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