XTB customer reviews

Updated: April 3, 2026
XTB
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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.
Phong Tran
21.11.2025 | 03:22

Good. Trustworthy

Hervé Luc Dejean
20.11.2025 | 23:22

On doit se tenir au courant dès sujets internationaux

Jan
20.11.2025 | 20:46

Perfect platform.

kevin mcgregor
20.11.2025 | 18:52

Made trading easy

Mrs Evalinda Manuel
20.11.2025 | 18:51

Sometimes is really hard to understand how your robot make me loose

Javad farrokhi
20.11.2025 | 15:57

Hands down the most dishonest and unprofessional platform I’ve ever dealt with. Avoid at all costs. After verifying my account, they immediately pushed me to deposit money. I deposited a small amount just to test them — and the moment I did, they magically switched my account back to “Unverified.” Their support is a disaster: extremely slow, barely available, and completely useless. I closed my account without even using it and requested a refund. It’s been days, and they still haven’t returned my money. Every time I ask, they repeat the same empty line: “We are working on it.” Their aggressive advertising makes them look legit, but don’t be fooled. This platform is sloppy, misleading, and you’re genuinely risking your money. Customer support is a joke, and the whole operation feels shady.

Meet the Muhammads
20.11.2025 | 01:07

Easy to put money in but found it hard to withdraw. It was finally done but it put me off using the app. I hope others have a better experience

MichalP
19.11.2025 | 11:32

It would be useful to be able to open and close positions before the market starts

Jake Anema
19.11.2025 | 01:55

Scammers! Let you deposit using bank details but when trying to withdraw they need every document under the sun. They also proceed to reject the ID and use the ‘unclear’photo excuse to get away with it. DO NOT DEPOSIT

Spyros theodorou
15.11.2025 | 03:59

Terrible experience at all! I tried to login into my account and suddenly (as I forgot my password and tried to reset it), I was locked out for nearly a week without having any access to my own money. When I was contacting the customer support I was getting all the time the same response, that I need to wait without explaining me the reason of their technical issue. As I contacted the Financial Ombudsman service, they said to me that i could go further if the issue was there after 8 weeks. Overall very bad experience, stay away!!!

Daniel Racolta
14.11.2025 | 21:42

I can't withdraw my money it's been already 2 months, I've contacted them I don't receive the SMS, and keep calling them to remind them about the problem, it's been fixed for 24h and now it's not working again, literally 2 months and it's not fixed. THEY ARE TAXING ME 3% INSTEAD OF 1% , again 7 weeks and they are just telling me "they are looking at it"

Mohamed
13.11.2025 | 10:55

I topped up my account using my Visa card, and when i tried to withdraw to the same Visa card that i used to fund the accountn but they wouldn't allow it, they say that "virtualpay" doesn't allow withdrawals, so my money is stuck there because they wouldn't allow me to withdraw to the same card i used to top-up.

Abdullah Alshahaimi
09.11.2025 | 11:21

I ask to withdraw money since 14/10/2025 and till date i don't know where is my money . I contact my bank they said no amount has been received from the xtb company . I tried many time to withdraw with different bank but none was successful till date . I'm waiting to receive my money or back to my xtb account ! Or its a scam company ?

Imran Panjwani
08.11.2025 | 02:45

Tried to open an account with them as their ISA offer looked good. I already have accounts with 2 other providers, which i am happy with...but just wanted to diversify a little bit. Completed the account opening form, then was struggling with the verification process, so contacted them. They basically told me it's because my account application has been rejected. After querying why, they said "business reasons". I asked them to clarify, and they reiterated "business reasons. I opened a formal complaint to them, saying i can't fix whatever issues they have with my application without actually know what the problem is. Their complaints department said "business reasons", and they can't tell me anymore. As they are still offering account openings (and advertising on youtube), they are clearly still offering applications, so clearly they have some unknown issue with me. I am escalating this to the financial ombudsman, as i feel in the current era of debanking, it could be anything....including my race, gender or nationality. I would accept a valid reason...but they are unwilling to give it

Al am
06.11.2025 | 13:35

Looks like a scam site for stealing idendity I submitted all these 1)Passport- accepted after 5 attempts Adress proof.. they need 2 documents which is unusual 2)Utlity bill 1 - rejected for being joint named and not single 3)Utility Bill 2-rejected for unknown reason saying digitally altered 4)Utility bill 3 (Monzo bank statement) accepted 5)Utility bill 4 rejected saying we want it from another provider without any justification The local rep who called to push sell on day0 is not available for any explanation or help == DO not go to them... == Today they are asking for my proof of funds == Very intrusive and out of place and highly suspicious === Dear Client, Thank you for applying for a real account at XTB Limited. Having reviewed the data you provided, it has come to our attention that your stated source of funds were Savings. Please note that as a regulated financial institution we are obligated to verify the information provided by our customers with special attention to the source of the funds they wish to deposit with XTB. Therefore, we will require additional information relating to the declared source of funds. Liquid net worth In order for us to assess your source of funds please provide: Bank statement credit balance and origin of funds We appreciate that you may feel these requests are intrusive, however as previously explained we are required to conduct due diligence before providing a real account for you, therefore we appreciate your understanding. If you have any questions, please contact us at: ukservice at xtb.co.uk or +44 (0)20 3695 3086

Kanus
06.11.2025 | 11:03

Applied the ISA transfer out since 21/10, the new ISA provided has contacted XTB a few times but didn't get any response. I have been contacted with the customer services of XTB, which say have been forward to the related team. But till now, still didn't get any updates. Nothing can be do, can't do any investment or gaining any daily interest. Hundred pounds was lost and capital was locked without reason. You can't use your money if you have any emergency need.

Adrian Gabriel
05.11.2025 | 14:23

I don't recommand !!! I put a stop loss and the platform didn't take it, they say tehnical errors !!!

Louisa Camara
04.11.2025 | 15:41

Mauvaise experience

Adrian
29.10.2025 | 15:14

As a taxpaying citizen in this country paying taxes for almost 20 years, I did not need this. Be aware of XTB!! I'm sure XTB as a company may be great some employees are not. I signed up and Miles Chilton gave me a call 1. I went through the application process and uploaded my documents 2. Miles gave me a call and said he is my accounts manager 3. Was told he done his job and I must send a single line stating my nationality (even though I already submitted my certified passport picture via the app) 4. Called a couple days after was asked for a copy of ny passport picture again 5. Called Miles again and he told me the picture was not clear even though it was a perfect visable picture Miles wasted my valiant time, phonecalls, emails and genuine efforts despite my polite manner and approach.

Sandro
29.10.2025 | 10:26

Scam broker.

Pere Espelt
23.10.2025 | 12:48

I would like to thank you all XTB Spanish team ( mainly Pablo, and also Fernando ) for all the support that they have given to me in order to understand , to clarify and to answer all my questions , getting all the confidence to work with XTB.

Michal Barta
22.10.2025 | 11:28

Terrible experience activating the account. Useless support.

Steven Stimson
22.10.2025 | 10:09

⚠️ Warning — Stay Away from This Company They kept selling my shares without my consent. CFDs are completely useless, and this company is a joke. It started off with high-pressure sales tactics — they called me daily until I finally invested. I gave them another chance, thinking the first time was my mistake, but they sold my investment at a loss the very next day! This happened twice — both times, they sold at a loss. It feels like the system is stacked against you. After reading other reviews describing the same experience, I can confirm they’re true. Stay away from this company.

Mihai Adrian
22.10.2025 | 08:09

Totally UNRELIABLE! They close orders at values they don't reach, before the instrument is dumping, just so they don't pay ! Absolute thieves!

Marek Macko
21.10.2025 | 16:11

Do not trade CFD there, it is rigged for you to lose the leverage everytime. I tested 20 scenarios and lost 20 times, yet my friend did the same moves opposite to me in the same time and lost as well.

Neel
20.10.2025 | 19:02

I signed up for XTB after seeing they offered a free Uber share on registration. That's where the positives end. The account setup required "manual verification" and took around three working days. For context, I've opened two bank accounts recently and neither needed failed to go the automated system. They then requested additional information, which I provided immediately. Another three working days passed before my account was finally ready. My account manager rang to introduce himself and offer support, which seemed promising. When I contacted both him and support to express my frustration with the delays and ask if anything could be done about it, I got complete radio silence. I contacted general support, waited a week, then contacted both general support and my account manager. It's now been another two weeks with absolutely no response from anyone. I'm planning to close my account, but even withdrawing money is needlessly complicated. You have to submit a form that requires manual review, including your sort code and account number (fair enough) plus a full bank statement. Why they need a bank statement to return money to an account I've already verified is beyond me - NO other platform in the UK requires this, which makes it seem kind of fishy. The whole setup feels half-baked. The lack of any customer support, combined with these odd requirements, makes the platform feel untrustworthy. I'd recommend sticking with an established broker rather than be an unpaid beta tester for XTB's clearly still unfinished service.

sam curran
15.10.2025 | 11:17

Good clean interface on the app, plenty of opportunities to buy a range of stocks and commodities and a very generous free share offer. Overall very pleased with the platform.

Jake
15.10.2025 | 10:15

They had a great welcome offer and overall very happy with the app and service. Verification could have been a little smoother, but no major complaints 👍

Daniel
14.10.2025 | 11:14

This is by far the worst trading platform I've ever used. Signed up thinking what a great idea to start investing with them with a free Uber share being ongoing. I signed up, completed their dragging registering process, deposited as required, and who would have guessed? No free share for you pal. I reached out to the customer service, who told me it's only for limited number of customers. I asked for a goodwill gesture, since there is an ongoing Rolls Royce share otherwise, and I was told I am not a new customer and they would not award such. Their withdrawal process, to withdraw MY OWN MONEY is as hard as they can make it so people leave abandon their own money in the system rather. Bank statements, extra ID cards just to make it more dragging for people to access, again, THEIR OWN MONEY. I hope this site goes out of business to their fair competitors.

Luca Castelli
13.10.2025 | 13:54

One of the best brokers, I tried a lot avatrade, etoro, etc and no one are similar to this one, because it’s build by their users. They will have some features coming this year that if they are real it will be the best broker in the world.

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