XTB Brokers Account Types 2025: Which One Is Right for You?

Choosing the right trading account is crucial for aligning with your financial goals and trading style. With numerous options available, selecting the most suitable account can significantly impact your trading experience.

XTB broker offers various account types designed to cater to different trader needs. Understanding these options is essential to making an informed decision, ensuring that your trading account aligns with your unique requirements and goals. The details about the XTB account types are in the following section.

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XTB account types

XTB offers three account types. They are given below.

• Standard account
• Pro account and
• Islamic account

Standard account

• Standard accounts have floating spreads that adjust with market liquidity, with trading costs built into the spread.
• The minimum spread is 0.5 pips, making it a cost-effective option.
•  No commission on FX, Indices, or Commodities. Costs are built into the spread. Commission applies only to equity trades.
• This XTB trading account is ideal for beginner and intermediate traders who prefer commission-free trading with transparent pricing.

Pro account

• Pro accounts offer floating spreads with market execution, providing access to tighter, market-level spreads for a small commission fee.
• The minimum spread starts from 0.1 pips, ensuring competitive pricing.
• Pro accounts operate with market spreads and charge a commission per open and closed lot, with rates varying based on the base currency.
• These accounts are ideal for traders who prefer market execution over instant execution.

Swap-free accounts

• Islamic accounts cater to traders following Sharia principles.
• Swap-free accounts are available for specific periods and selected products, ideal for traders who want to avoid overnight interest charges.
• Account opening and maintenance are free, with no hidden costs. Deposits are also free, and withdrawals over $50 have no fees, making fund management affordable.
• The minimum deposit is just $1, making trading accessible to everyone.
• CFD trading has no commission, so opening and closing positions come at no extra cost. Traders can use up to 1:500 leverage to maximize their positions with minimal capital.
• Spreads start from 0.7, ensuring competitive pricing. The minimum order lot size is 0.01, allowing for small trades and better risk management.

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XTB demo account

• The XTB demo account lasts 30 days, but you can renew it with the same email or extend it through support.
• It includes $100,000 in virtual funds and access to real account features like charts, indicators, and market analysis.
• You can trade over 2,100 CFDs on Forex, Indices, Commodities, Stocks, and ETFs, or invest in 3,000+ real Stocks and ETFs with 0% commission for monthly turnovers up to EUR 100,000.
• You can access high-performance platforms, including the award-winning xStation, with tight spreads from 0.2 pips and leverage up to 30:1.
• You can benefit from educational support, low spreads, and competitive commissions. Get 24-hour customer support from Sunday to Friday for a seamless trading experience.

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XTB account comparison

This comparison highlights key features to help you find the perfect fit for your trading style and goals.

Features	Standard account	Pro Account	Islamic account	Demo account
Key features	Floating spreads adjust with market liquidity, costs are built into the spread	Floating spreads with market execution, commission per open and closed lot	Swap-free caters to traders following Sharia principles. Ideal for avoiding overnight interest charges	30-day trial with virtual funds includes access to real account features like charts and indicators
Minimum spread	0.5 pips	0.1 pips	0.7 pips	0.2 pips
Commission	No commission on FX, Indices, or Commodities, only equity trades	Commission per open and closed lot varies with base currency	No commission; costs are built into the spread	No commission on CFDs; 0% commission on stock investments for monthly turnovers up to EUR 100,000
Leverage	No leverage trading	Up to 1:500	Up to 1:500	Up to 30:1
Minimum deposit	$0	$0	$1	$0
Platform availability	Mobile, Desktop, Tablet	Mobile, Desktop, Tablet	Mobile, Desktop, Tablet	Mobile, Desktop, Tablet
Other features	Ideal for beginner/intermediate traders who prefer transparent pricing	Ideal for traders who prefer market execution over instant execution	Ideal for traders looking to avoid interest charges, flexible, with no hidden costs	Access to 2,100+ CFDs and 3,000+ Stocks/ETFs, with 24/5 support

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How to open an account with XTB?

To open an account with XTB, follow these steps.

• Visit the XTB website.
• Click on Open Account.
• Complete the application form.
• Verify your identity by uploading the required documents.
• Deposit funds into your new account.
• Begin trading.

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XTB support team

XTB offers 24/5 customer support, available in 10+ languages. You can contact their support team through the following channels.

• Live chat: Available on the XTB website.
• Email: uksales@xtb.com
• Phone: +44 2036953086

For inquiries specifically related to account types, including assistance with account selection, application processes, and any related questions, you can also contact them via email at sales_int@xtb.com

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Conclusion

In conclusion, Choosing the right XTB account depends on your trading style and goals. Standard accounts are great for beginners, with no commission and costs built into the spread. Pro accounts offer tighter spreads with a small commission, ideal for experienced traders who prefer market execution.

Islamic accounts provide swap-free trading for Sharia-compliant investing. Demo accounts let you practice with virtual funds before trading live. Understanding these options helps you pick the best account for a smooth and successful trading experience. Make an informed choice!