How to Open an XTB Account
(2026, EU Investors)
XTB offers 0% commission on ETF and stock trades up to €100,000 per month, no minimum deposit, and fractional shares from €10. The application is done entirely through the xStation mobile app and typically takes under 10 minutes. Here is exactly what to expect, step by step.
Some of the links on this site are affiliate links, meaning we may earn a commission at no extra cost to you if you sign up through them. This does not affect our reviews or recommendations — we only feature products we genuinely believe are useful for investors. This site provides educational content only, not personalized investment advice. Investments can lose value and past performance does not guarantee future results. You are responsible for your own financial decisions and for confirming the tax and legal rules that apply in your country.
What to know before you start
Three facts that matter for EU ETF investors opening an XTB account in 2026.
XTB quotes the typical application time as under 10 minutes for automated verification. Manual review adds up to 24 hours in a small share of cases.
There is no minimum deposit to activate a Standard account. You can open the account and deposit later. Card and e-wallet deposits are instant; bank transfers take 3–7 business days.
ETF and stock trades are commission-free up to €100,000 monthly turnover. Above that, a 0.2% rate (min €10) applies. Most retail investors never reach the threshold.
Register your email and download the xStation app
Go to XTB.com or open the App Store / Google Play and search for xStation. Click “Create Account” and enter your country of residence and email address.
If you start on the XTB website on a desktop, you will be prompted to scan a QR code to download the xStation mobile app. Identity verification cannot be completed on desktop — the video selfie and document capture only work inside the app. Plan ahead and have your phone ready.
If you start directly in the xStation app, registration and verification are in a single continuous flow.
- Select your country of residence — XTB uses this to route you to the correct regulated entity
- Enter your email address — approval notifications are sent here
- Create a password: minimum 10 characters, at least 1 uppercase letter, 1 lowercase letter, and 1 number
- Accept the legal terms (marketing consent is optional)
Country routing note: UK residents are directed to XTB Ltd (FCA-regulated). EU residents go to XTB Cyprus (CySEC) or a local EU branch. Clients in Belgium and the US cannot proceed — XTB is not licensed in those markets.
Enter personal details and complete the suitability questionnaire
This is the most time-consuming section. Have your ID document nearby — you will need your national ID number, full legal name, and place of birth exactly as they appear on the document.
- Title, full legal name
- Place of birth and date of birth
- Nationality and national ID number (NI number for UK; PESEL or local TIN for EU)
- Full residential address (street, building number, postcode, city)
- Preferred interface language
- Optional referral or promo code
- Investment objectives
- Employment status and annual disposable income
- Net savings estimate
- Past trading and investment experience (required for CFD risk assessment)
- Anticipated trade size and volume
- Politically Exposed Person (PEP) status declaration
Stage 5 — base currency: After the suitability section, you will be asked to select your account base currency. EU residents typically choose EUR; UK residents choose GBP. Other options (USD, PLN, HUF) are available depending on your entity.
Complete identity verification inside the xStation app
XTB uses automated biometric verification. The process has two parts: a live video selfie and a live photo of your ID document. Both must be done inside the xStation app — pre-saved images, scans, and screenshots are blocked.
- Good, even lighting — avoid strong backlighting
- Keep your full face within the guide frame
- Remove sunglasses, hats, or anything covering your face
- Make sure no third party appears in the camera frame
- Stable internet connection reduces the chance of a loop or crash
- All four corners of the card must be visible in the frame
- Avoid flash glare over the issue/expiry date area
- Accepted: passport, national ID card, driver’s licence, residence card
- The photo must be taken live in the app — no uploading from gallery
- If the document is rejected, you will receive an email notification and can re-submit
Data confirmation step: After the biometric capture, XTB generates a review screen showing the OCR-prefilled data from your document. Check every field matches your ID exactly before tapping confirm — mismatches trigger a re-verification request.
App crash fallback: If the in-app video system loops or fails due to a device compatibility issue, email cs_int@xtb.com to request a secure manual document submission link.
Upload proof of address and submit
After identity verification, XTB asks for a proof of address (POR) document. The address on the document must match the residential address you entered in Stage 3.
| Document type | UK entity (XTB Ltd) | EU / International |
|---|---|---|
| Bank statement | Within 90 days | Within 180 days |
| Utility bill (electricity, gas, water) | Within 90 days | Within 180 days |
| Landline / broadband internet bill | Within 90 days | Within 180 days |
| Council tax / property tax bill | Within 90 days | Within 180 days |
| Official government letter | Within 90 days | Within 180 days |
| Tax statement | Within 90 days | Within 180 days |
| Signed tenancy agreement | Accepted | Accepted |
| Mobile phone bill | Rejected | Rejected |
| Digital banking app screenshot | Rejected | Rejected |
Address mismatch fix: If your POR document shows a slightly different address format to what you entered (e.g. “Street” vs “St”), log in to the XTB Client Office, correct the address field to match the document exactly, and trigger a re-scan rather than re-uploading a different document.
Wait for approval, then fund your account
XTB sends an email and push notification when your account is activated. Most cases are approved within minutes via automated verification. Manual review takes up to 24 hours.
- Credit or debit card
- Skrill
- Neteller
These appear in your account balance immediately after the transaction is processed.
Standard bank transfers take 3–7 business days to arrive. Use the bank account details shown in your Client Office or xStation app under the “Deposit” tab.
The deposit must come from a bank account in your own name. Third-party funding is rejected.
Application expiry: If you start registration but do not complete activation within 180 days, your application expires and you must register again. If verification completes but your account is not opened within 24 hours, contact XTB support.
XTB fees every EU ETF investor should know
XTB’s headline offer is strong, but three fees deserve attention before you invest at scale.
| Fee | Amount | Notes |
|---|---|---|
| Commission on ETF/stock trades | 0% up to €100,000/month 0.2% (min €10) above |
Monthly turnover threshold resets each calendar month |
| FX conversion markup | 0.5% | Applied on all currency conversions related to trades. For EUR-denominated UCITS ETFs on EUR accounts, no FX conversion is triggered. |
| Annual custody fee | 0% | No platform or custody charge regardless of portfolio size |
| Monthly platform fee | €0 | No subscription tiers — one Standard account for all retail users |
| Fractional shares minimum | €10 per trade | Available on stocks and ETFs |
| Inactivity fee | €10/month | Triggered after 365 days with no position opened or closed AND no deposit in the previous 90 days. One trade per year prevents it entirely. |
| Minimum deposit | €0 | No minimum required to activate a Standard account |
The €100k commission threshold in practice: For a monthly investor buying €500 of a UCITS ETF, the threshold is 200 trades away. The 0% rate is effectively permanent at retail scale. The 0.5% FX fee is the more meaningful cost to watch — avoid it by choosing EUR-denominated UCITS ETFs on your EUR account.
0% commission on ETF trades up to €100,000/month. Fractional shares from €10. The application takes under 10 minutes in the xStation app.
More account-opening guides
Common questions
Is there a minimum deposit to open an XTB account?
No. XTB has no minimum deposit requirement for Standard accounts. You can open the account, complete verification, and only deposit when you are ready to invest.
How long does XTB account opening take?
XTB quotes the typical process as under 10 minutes. Automated KYC verification completes in 5–10 minutes in most cases. If your documents are flagged for manual review, approval takes up to 24 hours. Note: applications expire after 180 days if not activated — if you start the process, complete it.
What documents do I need to open an XTB account?
You need two things: a government-issued photo ID (passport, national ID card, driver’s licence, or residence card), and a proof of address document dated within 90 days for the UK entity or 180 days for EU/International. Accepted address documents include bank statements, utility bills, council tax bills, and official government letters. Mobile phone bills and digital screenshots are rejected.
Can I open an XTB account from Belgium or the United States?
No. XTB does not accept clients from Belgium or the United States due to local regulatory restrictions. If you select either country during registration, you will not be able to proceed. UK residents are directed to XTB Ltd (FCA-regulated); EU residents are routed to XTB Cyprus (CySEC) or a local EU branch.
What is the XTB inactivity fee?
XTB charges €10 per month after 365 days without opening or closing any position, provided you have also made no deposit in the previous 90 days. The two conditions must both be true simultaneously for the fee to trigger. Making at least one trade per year — or topping up your account — prevents it entirely. ISA accounts are excluded.
Do I need the xStation mobile app to open an XTB account?
Yes, for identity verification. If you start registration on the XTB website on a desktop, you will be shown a QR code to download the xStation app. The live video selfie and document photo capture can only be completed inside the app — not in a desktop browser. Once verified, you can manage your account and trade from both the app and the desktop xStation platform.
Some of the links on this site are affiliate links, meaning we may earn a commission at no extra cost to you if you sign up through them. This does not affect our reviews or recommendations — we only feature products we genuinely believe are useful for investors. This site provides educational content only, not personalized investment advice. Investments can lose value and past performance does not guarantee future results. You are responsible for your own financial decisions and for confirming the tax and legal rules that apply in your country.