Regulation & Safety · 2026

XTB Regulation & Safety 2026

All regulators, license numbers, compensation schemes, and regulatory history for XTB as of April 2026.

ESMA Risk Warning

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Quick Answer

Yes, XTB is fully regulated. It holds 3 active licenses from KNF, CySEC, FCA. Compensation scheme: KNF compensation scheme up to EUR 20,100. Regulation score: 9.3/10.

All Regulators & License Numbers

XTB's regulatory framework as of April 2026.

KNF

Jurisdiction: Poland

License No. DDM-M-4021-57-1/2005

CySEC

Jurisdiction: Cyprus

License No. 169/12

FCA

Jurisdiction: UK

License No. 522157

Compensation Scheme

KNF compensation scheme up to EUR 20,100

This scheme protects eligible clients in the event of broker insolvency. The ceiling applies per client per firm, and coverage is automatic for all qualifying retail clients.

Years Operating Under Current License

XTB was founded in 2002 and has been operating for approximately 24 years as of April 2026. Long operational history under active regulation is one of the strongest positive signals of broker trustworthiness.

Regulatory History

Based on publicly available regulatory records as of April 2026, we have identified no material enforcement actions, sanctions, or fines against XTB from KNF, CySEC, FCA. All licenses remain active. Before opening a live account, we recommend cross-checking the current status of each license directly on the respective regulator's official public register.

Client Protection Summary

Negative Balance Protection

Yes — ESMA-mandated for EU retail clients, guaranteeing accounts cannot go below zero.

Segregated Funds

Yes— Client money held in dedicated accounts separate from the broker's operational capital.

ESMA Compliance

Yes — Subject to EU leverage caps, disclosure obligations, and best execution requirements under MiFID II.

Regulatory Score

9.3 / 10 — Our regulation dimension score, updated quarterly.

Frequently Asked Questions

Is XTB regulated?

Yes, XTB is regulated by 3 authorities: KNF (Poland, License DDM-M-4021-57-1/2005); CySEC (Cyprus, License 169/12); FCA (UK, License 522157). XTB is fully ESMA-compliant for EU clients.

What is XTB's license number?

XTB holds the following licenses: KNF license DDM-M-4021-57-1/2005, CySEC license 169/12, FCA license 522157. You can verify each license directly on the respective regulator's public register.

Is XTB covered by an investor compensation scheme?

Yes. XTB participates in the KNF compensation scheme up to EUR 20,100. In the unlikely event of broker insolvency, eligible EU clients are covered for losses arising from broker failure up to the scheme's per-client ceiling.

Has XTB been fined or sanctioned?

Based on publicly available regulatory records as of April 2026, XTB has no material history of enforcement actions or sanctions from KNF, CySEC, FCA. All licenses remain active. We recommend checking the current status directly on each regulator's website before opening an account.

Does XTB have top-tier regulation?

Yes, XTB holds at least one top-tier license from: FCA. Top-tier regulators apply stricter capital, operational, and reporting requirements than second-tier authorities.

How long has XTB been operating?

XTB was founded in 2002 and has been operating for approximately 24 years. Long operational history under active regulation is a positive signal for trust and stability.

Trade with confidence at XTB

Fully regulated with investor compensation coverage and ESMA protections.

Read Full Review Visit XTB

CFD Risk Warning

This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.