On the example I use everywhere on this site, €300 a month into one euro-listed ETF, XTB works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.

It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the Polish KDPW scheme: 100% to €3,000, then 90%, max €20,100. That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.

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

€0

Twenty years of it

≈ €0

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 buy€0 · savings plan
Recurring€0/yr
Conversion0.5%
Savings planautomatic · fractions
ProtectionPolish KDPW scheme: 100% to €3,000, then 90%, max €20,100
The cashCash in segregated client bank accounts under KNF rules, outside any insolvency estate; no money-market sweep.
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

XTB S.A., Warsaw: KNF; serves the EU through national branches

The route

Investment plan (from €15) or any spot buy: 0% commission up to €100,000 of turnover a month, then 0.2% (min €10).

The plan

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

The cash

Cash in segregated client bank accounts under KNF rules, outside any insolvency estate; no money-market sweep.

The taxes

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.

The exit

In-kind transfer out supported: €25 per ISIN (Spain-listed positions 0.10%, min €100).

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?: On the example I use everywhere on this site, €300 a month into one euro-listed ETF, XTB works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is XTB safe?: It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the Polish KDPW scheme: 100% to €3,000, then 90%, max €20,100. That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
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

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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