Broksy
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XTB

XTB

XTB S.A.Regulator: Komisja Nadzoru Finansowegoregister no. DDM-M-4021-57-1/2005Operating since 2004

Annual cost
60.00 zł
Broksy Score
9.8/10Outstanding78 of 115 facts confirmed
Tax accounts
IKE: Yes, IKZE: Yes, OKI: No
PIT-8C
Yes

Cost for this scenario: 1,000 zł a month · foreign ETFs · regular account.

Data checked 9 November 2026Sources (19)

Who XTB is for

A good fit if

  • you want IKE and IKZE with one broker
  • you plan an OKI with the same broker
  • you want a PIT-8C instead of calculating the tax yourself
  • you need support in Polish

Probably not if

  • you'd rather use a broker without CFDs
  • you buy in foreign currencies with złoty: FX is the main cost here

What makes up the Broksy Score

9.8/10OutstandingA source confirms 15 of the 15 answers the score is built fromHow we score
Cost
9.3
Taxes
10.0
IKE and IKZE
10.0
Markets and convenience
10.0
Safety
10.0

What it costs

Score 9.3/10

Annual cost in typical scenarios, calculated the same way for every broker.

Starter

1,000 zł a month · foreign ETFs · regular account

60.00 zł

rank 3 of 15

Active on the GPW

2,000 zł a month · GPW shares · regular account

0.00 zł

rank 1 of 18

Lump sum

50,000 zł one-off · foreign ETFs · regular account

250.00 zł

rank 8 of 15

See what you would build up at XTB over the years

Fees and commissions

Fee schedule in force since 30 September 2026

Commission: GPW, US, XETRA, LSE, EURONEXT, SIX
0% · with monthly turnover up to 100,000 EUR0.2%, min. 10 EUR · otherwise
Currency conversion: EUR, USD, GBP, CHF
0.5%
Custody
0.02% a year + on the part above 250,000 EUR · a month
Account maintenance
Free
Inactivity fee
10 EUR · a month
Withdrawal
Free

Account types

Score 10.0/10

Regular account

Yes

IKE

Yes

IKZE

Yes

OKI

NoAnnounced
Foreign shares and ETFs in IKE and IKZE
Yes
IKE fees no higher than on a regular account
Yes
Accepts IKE transfers in
Yes

Taxes and documents

Score 10.0/10
PIT-8C from the broker
Yes
W-8BEN online
Yes
Annual tax report
Yes
Trade export to a file
Yes
Tax documents in Polish
Yes

XTB issues PIT-8C, according to its documents.Which brokers issue PIT-8C, and the PIT-38 deadlines

Deposits, withdrawals and account opening

BLIK deposit
Yes
Instant transfer
Yes
Account in złoty
Yes
Currency sub-accounts
Yes
Minimum deposit
0.00 zł
Account opening fully online
Yes
Opening with a residence card (karta pobytu)
Yes
Not checked yet: 1 item
Opening without PESEL or with a non-EU passport
No data

Platform and support

Mobile and web app
Yes
App in Polish
Yes
Automatic regular plan
Yes
Fractional shares and ETFs
Yes
Order types
Yes
Contact channels
e-mail, telefon, czat
Support hours
Obsługa konta 08:00–19:00; pomoc 24h/7 (czat)
Support in Polish
Yes
Support in Ukrainian, Russian or English
Yes
Complaints procedure
Yes
Not checked yet: 2 items
App rating
No data
App in Ukrainian, Russian or English
No data

Safety

Score 10.0/10
Company
XTB S.A.
Country
Poland
Founded
2004
Licence
Komisja Nadzoru Finansowego
Register number
DDM-M-4021-57-1/2005
Investor protection
System rekompensat KDPW
Protection limit
22,000.00 EUR
Licence type
Brokerage house
Polish branch or Polish jurisdiction
Yes
Investor compensation scheme
22,000.00 EUR
Cash deposit guarantee
Yes
Client assets segregated from the company's own
Yes
Listed or audited company
Yes
Years on the market
22Operating since 2004
Two-factor login
Yes
Not checked yet: 1 item
Regulator fines and incidents
No data

Instrument range

GPW and NewConnect shares
Yes
US exchanges
Yes
European exchanges
Yes
ETFs on the GPW
Yes
Not checked yet: 1 item
Number of UCITS ETFs
No data

Extras

Doesn't affect the Broksy Score
Interest on cash
1.4%
CFDs offered
Yes
Crypto
No
Margin trading
No
Demo account
Yes
Learning materials
szkolenia i regularne spotkania online z analitykami XTB, kursy inwestowania

Alternatives

Annual cost in this scenario: 1,000 zł a month · foreign ETFs · regular account

Trading 212Trading 212
18.00 zł
Compare with Trading 212 Full Trading 212 profile
Trade RepublicTrade Republic
48.00 zł
Compare with Trade Republic Full Trade Republic profile
OANDA TMSOANDA TMS
114.48 zł
Compare with OANDA TMS Full OANDA TMS profile

Sources

Every number on this page comes from these documents.

Spotted an error? Write to us and we'll fix the data and log the change.

XTB

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