There isn't one Europe-wide bill for XTB: its fees, and in places its buying route, depend on where you live. Pick your country in the Broker Bill and it prices the verified schedule.

It's a regulated firm you can verify in its regulator's public register. The entity and backstop can depend on where you live. Polish KDPW scheme: 100% to €3,000, then 90%, max €20,100. UK clients contract with a separate UK arm, with its own scheme. Pick your country in the Broker Bill for the applicable fine print. The protection covers the firm failing, not your funds falling in value.

Does XTB do my tax paperwork?

Partly. Poland: files the PIT-8C with you and your tax office (it pre-fills e-PIT — reporting, not withholding). Its German branch explicitly does not withhold; elsewhere the paperwork is yours. Rare on this list: most of the nine leave the filing entirely to you.

Can I set up automatic monthly investing with XTB?

Yes. Investment plans from €15 a rate, auto-executed on your date; fractional shares from €10.

The broker guide

XTB.

What XTB really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What XTB costs, on the example

The bill this year

country needed

XTB prices by country of residence, so this compare turns numeric once you pick your country in the Broker Bill.

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

Available in10 countries, on its published list; the UK too, via its UK entity
The monthly buyset by your country
Recurringset by your country
Conversionset by your country
Savings planset by your country
ProtectionPolish KDPW scheme: 100% to €3,000, then 90%, max €20,100. UK clients contract with a separate UK arm, with its own scheme. Pick your country in the Broker Bill for the applicable fine print.
The cashCash in segregated client bank accounts under KNF rules, outside any insolvency estate; no money-market sweep. The UK arm differs.
Does your taxes inPoland
The exitIn-kind transfer out supported: €25 per ISIN (Spain-listed positions 0.10%, min €100).

The honest note

A Warsaw-listed broker with real local branches across a stretch of Europe, zero commission on ETF buys up to a generous monthly volume, and savings plans with fractions. Two things to hold next to that: around ninety-five percent of its revenue comes from CFD traders (the leveraged side is the business, and your ETF account is the shop window), and its home regulator fined it heavily this spring over how CFD risks were presented to clients. One more surprise: even at its German branch, the tax paperwork stays yours. Cheap and capable: just know whose shop you're standing in, and skip the aisle you didn't come for.

the fine print

Who you deal with

set by your country of residence; pick yours above

Where it operates

It advertises accounts in these countries, on its published list:

Poland
Germany
France
Spain
Portugal
Romania
Czechia
Slovakia
Hungary
Italy

The UK runs through a separate entity, with its own protection scheme.

Tax-sheltered accounts it documents: PEA (France), ISA (United Kingdom), IKE / IKZE (Poland).

Compare XTB head to head

The same bill and the same facts, next to another broker:

XTB vs Trading 212

Compare any two, side by side

First broker

Second broker

Compare

Sources: check it yourself

Keep it honest

Know a figure here that's wrong or out of date? Point me to the line and a source. Every correction gets checked before the next refresh. That's how this page stays right.

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Common questions

What does XTB cost?: There isn't one Europe-wide bill for XTB: its fees, and in places its buying route, depend on where you live. Pick your country in the Broker Bill and it prices the verified schedule.
Is XTB safe?: It's a regulated firm you can verify in its regulator's public register. The entity and backstop can depend on where you live. Polish KDPW scheme: 100% to €3,000, then 90%, max €20,100. UK clients contract with a separate UK arm, with its own scheme. Pick your country in the Broker Bill for the applicable fine print. The protection covers the firm failing, not your funds falling in value.
Does XTB do my tax paperwork?: Partly. Poland: files the PIT-8C with you and your tax office (it pre-fills e-PIT — reporting, not withholding). Its German branch explicitly does not withhold; elsewhere the paperwork is yours. Rare on this list: most of the nine leave the filing entirely to you.
Can I set up automatic monthly investing with XTB?: Yes. Investment plans from €15 a rate, auto-executed on your date; fractional shares from €10.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap · Every fund, in depth

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

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