Broker review · #9 of 9
XTB Review: Overview & Rating
Commission-free ETFs and polished tools from a listed Polish broker.
Last reviewed August 2026 · Fees and features change; always confirm on the broker’s own site.
How we scored it
Weighted overall: Fees 30%, ETF range 25%, Savings plans 15%, Platform 15%, Safety 15% — full methodology.
XTB at a glance
- Regulator
- KNF (PL), listed on WSE
- Founded
- 2002
- HQ
- Warsaw, Poland
- ETF order fee
- €0 (up to €100k/month)
- Custody fee
- €0 (inactivity fee possible)
- Savings plans
- Free investment plans
- Fractional shares
- Yes
What we like
- 0% commission on ETF trades up to €100k monthly volume
- Investment plans allow automated ETF portfolios
- Listed on the Warsaw Stock Exchange — transparent financials
- Strong multilingual support across CEE and Western Europe
What to watch
- ETF universe is narrower than IBKR or DEGIRO
- 0.5% FX conversion fee is comparatively high
- Platform heritage is CFD trading; investing side is newer
ETFPanda verdict
A solid, credible choice — especially east of the Oder, where its language coverage and local presence beat the German neobrokers. Watch the FX fee on non-EUR funds.
Best for: Investors in Central and Eastern Europe who want commission-free UCITS ETFs with local-language support.
Ratings are ETFPanda’s editorial opinion and never for sale. Nothing on this page is investment advice; features, fees and investor protections vary by country of residence. Capital at risk.
