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XTB Limited

XTB Limited · Cyprus
Key points
Official sourceUnclaimedMiCA-licensed · CyprusCFD
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇨🇾 Cyprus
Founding date
2002
Team size
250-4999
Number of customers
≈ 2 500 000
Trustpilot
3,5/5 →

Regulation

Regulatory licences
MiCA licence, notified on 15/12/2025
Licensing authority
Cyprus Securities and Exchange Commission (CySEC)
Registered services
not disclosed in the register
Register consulted
Consult the register → · verified on 23/08/2026

XTB is a European multi-asset broker, known for its xStation platform and its offer on shares, ETFs, forex and CFDs. Its Cypriot entity now also offers real spot crypto-assets, separate from the crypto CFDs already present in the ecosystem. Users can thus access several dozen crypto-assets from the same investment environment, even though transfers to an external wallet are not part of the current spot service.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 46

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, XTB Limited suits some use cases more than others.

Minimum deposit: €0Mobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Minimum deposit of €0. Mandatory custody: no withdrawal to a personal wallet.

Available across the whole European Union.

03How much it costs

Deposit
SEPA transfer0 %

+ 0,5 % currency conversion

Trading
0 %
published spread
Holding
Inactivity10 €/month
Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

XTB Limited, spot crypto: explicit purchase/sale commission 0 % and custody 0 %. Funding by bank transfer is free on XTB's side. The spot crypto price may include an XTB mark-up of up to 5 % according to the official fee schedule; this is a cap, not an average spread. Currency conversion: 0,5 % if the account is not denominated in USD. Inactivity: 10 €/month after 12 months without trading and no deposit during the last 90 days.

Fee source: https://xas-new-cdn.xtb.com/file/0104/53/4a6e13fc-4be0-40e2-a700-1f943fd1ca44/xtb-limited-cy-fees-and-commissions-table-april-2026.pdf · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

XTB Limited holds the spot crypto-assets for its clients in pooled hot/cold wallets, with operational segregation of client assets from its own assets. The crypto-assets remain the property of the client. Closed model: no external crypto deposits or withdrawals.

05What to know before you start

European multi-asset broker: shares/ETFs, CFDs, options depending on market, and now real spot crypto under the entity XTB Limited (Cyprus/CySEC), in addition to crypto CFDs. 46 spot crypto-assets announced, custody free of charge, but no external on-chain transfers. Availability of the spot offer depends on the entity and local rollout.

Compensation transparency: affiliate partnership with XTB Limited: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is XTB Limited licensed under MiCA?

Yes. XTB Limited is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Cyprus Securities and Exchange Commission (CySEC), Cyprus. Notification to the ESMA register: 15/12/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on XTB Limited?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on XTB Limited?

46 crypto-assets are available on XTB Limited.

What is the minimum deposit on XTB Limited?

The minimum deposit is 0 €.

Can you withdraw your crypto from XTB Limited to your own wallet?

No, XTB Limited does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on XTB Limited?

No, XTB Limited does not offer staking.

Can you schedule recurring purchases (DCA) on XTB Limited?

No, XTB Limited does not offer scheduled recurring purchases (DCA).