What XTB costs per trade
ADVERTISEDXTB publishes its EUR/USD spread as a raw price difference of 0.00008 and never prints the word pips against it. The 0.8 here is that figure converted at XTB's own instrument convention of one pip equals 0.0001, which is a unit restatement and not a second published number. The site-wide CFD figure on the fees page is 0.00009. Figures are XTB’s own published EUR/USD pricing, captured 2026-08-18 from its UAE-facing site, not spreads we have measured on a funded account. One pip on one standard lot of EUR/USD is US$10, which is the contract size and not an exchange rate, so nothing here converts through a currency.
At 1.0 lot and 20 trades a month on EUR/USD, XTB's published pricing costs US$8.00 per round turn (0.80 pips spread, with no commission charged).
Source: XTB’s published UAE pricing, captured 2026-08-18. Swap, financing, inactivity and withdrawal charges sit outside this figure.
Trading CFDs and forex carries a high level of risk and may not be suitable for all investors. Read the broker’s own client agreement, and confirm the licensed entity you are contracting with, before opening an account.
Our verdict on XTB
XTB's UAE presence rests on XTB MENA Limited, a DFSA-regulated dealing firm in the DIFC. The standard account carries no minimum deposit and no trading commission, with an advertised EUR/USD spread from 0.8 pips. A proprietary platform and MetaTrader 4 are available, yet AED is not supported for deposits or account denomination. A UAE resident must fund in USD and may face conversion costs from their bank.
Retail leverage is capped by the DFSA rulebook at 30:1 on major pairs, 20:1 on minors, gold and major indices, 10:1 on minor indices and other commodities, and 5:1 on single shares. XTB's published maximums mirror these caps exactly. The widely cited 50:1 SCA figure has no basis in UAE regulations; it is a US retail forex structure copied onto the region. For a DFSA-regulated broker like XTB, the applicable limits are those in the rulebook.
XTB markets a Swap Free Account, but the terms do not reference Shari'ah compliance or a recognised board. Eligibility rests on unpublished internal policies, and a 30-day grace period applies to a defined instrument list before daily swap charges begin. The exact legal entity a UAE resident contracts with during the online sign-up has not been independently confirmed. XTB provides a straightforward pricing structure with zero commission and multiple platforms; the absence of AED support remains a practical limitation.
Pros
- Zero minimum deposit on the standard account.
- No commission per lot on the standard account.
- Regulated by the DFSA in the DIFC under reference F006316.
- Swap-free account available with a 30-day grace period on specified instruments.
Cons
- AED is not supported for deposits, withdrawals, or account currency.
- API access is not published.
- Swap-free account does not state Shari'ah certification.
- The exact contracting entity for UAE residents remains unverified.
XTB score breakdown
4/5 · Great
The overall CFB Score comes from the full methodology, more than 100 data points per broker. The category ratings summarise each area and do not reconcile by simple average.
How is our rating calculated?
Is XTB regulated in the UAE
When I look at regulation, the first thing I want to see is a DFSA licence. XTB MENA Limited holds one, with register reference F006316. The licence tier is dealing, and the permission covers Dealing in Investments, which means the entity can act as counterparty to your trades.
Your funds are held with XTB MENA Limited as a dealing counterparty. I note that the UAE website does not publish a separate segregation statement beyond the standard DFSA client money rules, and the DFSA register shows no additional licence classes for this entity.
The legal framework that applies is the DIFC regulatory regime, not the onshore CMA (formerly SCA). When you trade through the UAE website, your trades are governed by DFSA rules and the client agreement from XTB MENA Limited.
What other review sites say
XTB holds a Trustpilot rating of 3.6 out of 5 from 2,811 reviews, which Trustpilot labels average, captured August 2026. The profile has been claimed by the broker since October 2015.
XTB's iOS app rates 4.65 out of 5 from 1,035 ratings on the UAE App Store (August 2026), listed as XTB Online Investing.
Android users rate XTB's Android app 4.5 out of 5 from 167K reviews worldwide on Google Play (August 2026), listed as XTB Online Investing.
What trading with XTB costs
XTB offers just one account on its UAE site: the standard account. The minimum deposit is USD 0, and no trading commission is charged per lot per side. In my view, a zero minimum deposit removes a real barrier for anyone starting out. The account currency is USD.
The advertised spread for EUR/USD starts from 0.8 pips, based on a minimal spread of 0.00008. XTB does not publish a typical spread figure, so you cannot compare it to an average. Spreads on other instruments are variable and disclosed on the platform.
No inactivity fees or custody fees appear in the standard account schedule. Our team checked the cost structure on 2026-08-21 and found a single layer of spread-based pricing with zero commission.
Leverage limits that apply to XTB
XTB is subject to DFSA-imposed retail leverage caps. The rulebook maximum for major currency pairs is 30:1, for minor currency pairs 20:1, for gold 20:1, for major indices 20:1, for minor indices 10:1, for other commodities 10:1, and for single shares 5:1. XTB’s published maximums match these caps exactly. Cryptocurrency leverage is not stated on the broker’s UAE pages.
The finding that matters here is what the onshore regulator does not say. The regulator, the CMA (formerly SCA), has a retail maximum of 500:1 for major forex pairs. Our team ran a full-text search of all 62 CMA regulations, roughly 2.32 million characters of English text, and found zero hits for the word “leverage”. No ratio of the form 1:N appears. The Arabic Section 3 of the Rulebook contains no equivalent term. The 50:1 figure often attributed to the SCA is actually the United States NFA and CFTC retail forex structure, copied onto the UAE without a supporting CMA article or decision number. The 30:1 figure on major pairs that circulates as “the UAE cap” originates from the DFSA and the FSRA, not from the onshore regulator.
Applying any other limit to a DFSA-regulated broker is incorrect. I have set out the rulebook maximums alongside XTB’s own published maximums in the table below.
| Instrument class | DFSA rulebook maximum | XTB published maximum |
|---|---|---|
| Major currency pairs | 30:1 | 30:1 |
| Minor currency pairs | 20:1 | 20:1 |
| Gold | 20:1 | 20:1 |
| Major indices | 20:1 | 20:1 |
| Minor indices | 10:1 | 10:1 |
| Other commodities | 10:1 | 10:1 |
| Single shares | 5:1 | 5:1 |
| Cryptocurrency | no cap in rulebook | not stated |
DFSA retail leverage caps and XTB’s published maximums
Platforms and execution
XTB gives UAE clients access to MetaTrader 4. MetaTrader 5 is not listed on the UAE website, and cTrader and TradingView are not provided. If you rely on a specific platform, this narrow choice matters. I would check whether the proprietary app offers the same functionality as xStation if that matters to you.
Alongside MetaTrader 4, XTB also offers its own proprietary platform. The UAE pages mention the XTB investing app and a proprietary investing platform, but the brand name xStation does not appear on the .ae-en pages. Desktop and mobile access are supported. I would want to confirm whether the app matches xStation’s features before committing.
API access is not published. The UAE site does not separately disclose execution model details beyond the standard order execution policy referenced in the client agreement. In my view, that is a gap worth watching.
Funding and withdrawals
XTB accepts deposits and withdrawals in USD only. AED is not supported as an account currency or for funding. If you are a UAE resident using a local bank account, you will need to convert dirhams to USD, and your bank will apply any conversion fees. That extra cost is easy to overlook.
You can fund your account via card or international bank transfer. Card deposits are fee-free and processed instantly, according to XTB. Withdrawals above USD 50 are free, but those below USD 50 cost you USD 30. Card payments must come from a card in your name.
International bank transfers have no deposit fee. Withdrawal fees are USD 0 above the USD 50 threshold and USD 30 below. Processing times depend on when you submit the instruction: before 9 AM, it takes 2 to 4 working days; after 12 PM, 3 to 5 working days. The USD 50 minimum funding amount is a threshold, not a deposit requirement.
Islamic and swap-free accounts
XTB offers a Swap Free Account, but it is not described as compliant with Shari’ah standards. The account gives you a 30-day grace period with no swap charges on a specific list of instruments. That list covers gold, silver, platinum, palladium, oil, OIL.WTI, indices, and all FX pairs except EURTRY, USDBRL, USDCLP, USDMXN, USDTRY, USDZAR, EURZAR, GBPZAR, EURMXN, GBPMXN, USDCNH, EURCNH, EURHUF, USDHUF, and CHFHUF. All other instruments are charged swap from day one.
Eligibility is country-based and decided at XTB’s discretion under unpublished internal policies. The notice says: “We offer swap free accounts for clients only from certain countries under XTB International, XTB Financial Consultations, and XTB MENA according to internal policies. If you’re eligible for an account, you will find that account type available while creating an account.” After the grace period, no separate administrative fee applies; instead, daily swap points are charged from the XTB Swap Points Table.
I read the binding General Client Agreement (version 16, June 2026). It contains one swap-free reference, clause 17.12, which defers all terms to the condition tables. The agreement uses no Islamic or Shari’ah language. No certification body is named, and no fatwa or board endorsement is mentioned. I also spotted a conflict: the older AE VIP PRO specification tables listed a narrower instrument set, excluding OIL, OIL.WTI and indices, which contradicts the current Swap Free Account page. In my view, the Swap Free Account is a fee suspension mechanic labelled as swap-free, not a documented Islamic finance product.
Which entity you contract with
Every page of the UAE website carries the footer: XTB MENA Limited, DIFC, DFSA F006316. The General Client Agreement and the Table of Commissions and Fees are issued in the name of the same entity. On the documents, your funds and trades are handled by XTB MENA Limited as a dealing firm, the entity you contract with.
I cannot confirm the online sign-up flow because it is not documented publicly. This review has not captured a live account opening to verify whether the same entity appears throughout the electronic process. The available materials imply the contracting party is XTB MENA Limited, but without a published specimen application form, the point remains unconfirmed.
What this review has not established
I have not verified which legal entity a UAE resident contracts with during the online account opening. The footer and agreement name XTB MENA Limited, but the sign-up screens have not been inspected, and no specimen client agreement or confirmation email has been obtained. That is a gap I would want closed before opening a live account.
This review has also not confirmed whether XTB applies different execution models for the standard account, or whether professional client classification allows higher leverage beyond the DFSA retail caps. I note that the broker does not publish separate professional leverage maximums on the UAE pages.
FAQs
Is XTB regulated in the UAE?
What is the minimum deposit for XTB?
Does XTB support AED deposits?
Does XTB offer an Islamic account?
What leverage does XTB provide in the UAE?
About the author
Justin Grossbard co-founded CompareForexBrokers in 2014 and serves as Co-Founder and CEO. He has traded forex since 1998. For this site he directs the research and comparison of UAE-licensed brokers. He holds Monash University degrees including a Bachelor of Commerce with Honours and a Master of Marketing. His commentary has appeared in Forbes, Kiplinger, Finance Magnates and Entrepreneur.