XTB · My Stock Broker | 10X-Analytics

01 · Who is XTB

A publicly listed European broker

XTB has been an active online broker since 2002, headquartered in Warsaw and listed on the Warsaw Stock Exchange (GPW). Regulated in the EU by Poland's KNF and Germany's BaFin, among others. Over two million customers worldwide. The in-house xStation 5 platform runs in the browser and as an app.

02 · Advantages

Six points I make use of

0% Commission

On real stocks and ETFs up to EUR 100,000 monthly turnover. Above that, 0.2% (min. EUR 10).

Over 9,400 securities

Stocks and ETFs from Europe and the US, including blue chips and popular US names.

Trade from EUR 1

Start with small amounts from EUR 1. Invest flexibly in stocks and ETFs thanks to fractional shares.

EU regulation

Licensed by KNF Poland and BaFin Germany. MiFID-II passported across the EU.

ETF savings plans

Automate monthly investments into broad ETFs. No execution fees within the free tier.

No inactivity fee

Your account stays free indefinitely, no matter how long you pause. No charge for non-use.

03 · How I use it

Long-term stocks and ETF savings plans

My long-term stock and ETF positions run through XTB. Single stocks from the 10X framework and broad ETF savings plans side by side on one platform.

Commission-free saving within the free tier makes DCA strategies viable. No fixed fees that make small monthly contributions unattractive.

I trade crypto elsewhere. For that, see my Recommendations where I list which exchanges I recommend for which profile.

04 · What you should know

Transparent: the points to read

Above EUR 100,000 monthly turnover: 0.2% commission, min. EUR 10. Usually irrelevant for retail investors.
FX conversion fee 0.5%: If you trade in USD or GBP, factor this in or hold a USD cash position.
XTB also offers CFDs. CFDs are leveraged products with a high risk of loss. I don't use them. For me, only the real stocks and ETFs are relevant.
No investment advice. Not from me either. Your own research and risk assessment remain necessary.

Open your XTB account for free

Account in a few minutes. Demo account available free of charge in advance.

Go to XTB →

*Affiliate link · no extra cost to you

Risk notice: Links marked with (*) are affiliate links. I may receive a commission – at no extra cost to you. Trading is risky. Trade responsibly. You could lose part or all of your invested capital. All published information is for informational and educational purposes only and does not constitute any form of financial / investment advice and / or recommendation to buy or sell securities. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77 % 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.

← Back to overview

Risk notice: Trading is risky and you could lose part or all of your invested capital. All published information is for informational and educational purposes only and does not constitute any form of financial / investment advice or a recommendation to buy or sell securities. My portfolio and watchlist serve solely as model and educational content.