XTB Online Investing Omdömen 2 422

I have recently opened an account with them. I am transferring in quite a lot of money. The money was sent by BACs 7 days ago. but it is not in my account. I have been asking them the status of the transfer for 3 days now but cannot get an answer. This is not good enough. If I am going to trust them with my money they should have the decency to get back to me when I need an answer.

I don´t trust xtb anymore.

At first I was really happy, but I was angry on myself with some missed trades. Later, I realised not all were my mistakes. I actually claimed the transation and xtb informed me that the amount was wrong and they had to return me money. I am now wondering how many other transactions were also false costing me money.

When adding these "hidden fee" I am now on a search for a better platform. The wors is that they can easily take 2 month not reaplying despite a contionous reminding. All their responses were "we have transferred your inquiry and they will contact you soon".... Nothing ever came. This is not a customer service that one can accept. I called the hotline and I realised that yes, they do behave like this... to shake off most of the people, they simply ignore requests...

Tried to open an ISA account from one of their adverts. Directed me to download their trading app; entered my personal info including NI (no-one should ask you for your NI number unless its payroll) and then went through various questions where they then declined my application for a trading account because I was looking for a low-risk investment, i also notice now they have had fake reviews deleted by Trustpilot - absolute cowboys, avoid!!

Dyskryminacja osób bezrobotnych które chcą zainwestować oszczędności swoje i z wspólnego majątku z żoną. Udokumentowane oszczędności.
Lekceważeni klienta, od 1 marca do 19 sprawa nie rozwiązana mimo wysłania potrzebnych dokumentów.

SERVICE CLIENT INEXISTANT !!
Vous avez beau les appeler 50 fois, personne ne réponds. Dans mon cas une position fantôme qui ne voulait pas se fermer et j'ai perdu beaucoup d'argent et personne pour m'aider.

2 gwiazdki, bo za darmo. Za to bardzo frustrujący program. Niemożność rozmowy z osobą, tylko boty lub czaty. Nieprzejrzysta. Nie ma nawet sumy całego konta akcji. Właśnie się dowiedziałam od konsultatna, muszę sobie odejmować od całej sumy kwotę gotówki aby obliczyć sumę akcji. Nigdy nie kupię ich akcji.

Le 7 mars 2026, j'ai voulu placer un ordre limite d'achat sur l'Ethereum CFD au prix de 1 100 USD avec un effet de levier de 1:2, tel qu'affiché et garanti par XTB.

Calcul contractuel évident : 1 100 ÷ 2 = 550 EUR de marge requise.
Marge affichée par XTB : 850,73 EUR.
Différence injustifiée : +300,73 EUR, soit +54,7% au-dessus du montant contractuellement dû.

J'ai contacté le support en direct le jour même. L'agent (Marcin) n'a pas été en mesure de justifier cet écart et n'a apporté aucune explication technique ou contractuelle. La conversation s'est terminée sans réponse.

Une demande formelle a été transmise le 11 mars 2026. À ce jour, aucun retour, aucun accusé de réception, aucune correction.

Ce type d'écart de marge non justifié, sur un instrument à effet de levier, constitue une information trompeuse sur le coût réel d'une position. XTB est régulé par l'AMF et la FCA – ces obligations de transparence et de réponse sous 15 jours ouvrés sont réglementairement contraignantes.

En l'absence de réponse sous 48h, je saisirai l'AMF, le médiateur financier compétent, et publierai l'ensemble des échanges.

To są oszuści zablokowali mi konto nawet nie odpisują jak by człowieka nie znali te 400 zł o tak odzyskam prędzej czy później

Have tried three times now to set my bank account details up to withdraw funds, each time they have made issues with it. Yet paying money into the account is seamless, strangely enough 🤔

I would HIGHLY advise anyone thinking of using XTB to avoid them. The trading platform is diabolically bad. The support has degraded dramatically since I opened an account 3 months ago. I have been waiting for hours in chat. Nothing. I tried their X pages - No response - I tried their Facebook pages - No response. I emailed customer support. No response. Completely Ignored.

They take 30 days to even respond to a complaint. Worst trading platform I have ever used.

UPDATE : I have initiated a transfer request to move my account away from XTB to another provider. I suspect they are deliberately trying to delay the process.

UPDATE: I am now two weeks into trying to transfer my account to another provider. XTB is actively STOPPING the transfer. Is their no Financial Authority watching companies like this??? Its bordering on criminal. I'm losing money because of their refusal to allow me to leave.

UPDATE - I contacted the company I'm moving my account to, and I've just found out that they are completely ignoring the attempt to start the transfer - emails were sent two weeks ago. They are also completely ignoring a Data Access Request. That's breaking the law. I've just sent ANOTHER email to the address they listed in the response below - Mon 13 April - lets see how long it takes if they actually respond.

Update:27th May - XTB IS STILL BLOCKING MY ACCOUNT TRANSFER. Im at the end of my tether. It is NOT POSSIBLE to transfer accounts in France. There is no authority that will stop these rogue fintechs like XTB. I will be selling up my portfolio and moving the capital out of France. I contacted uk xtb many times - they refused to help too.

⚠️ Warning for French investors using @XTB_France! If you face a serious dispute (e.g. blocked PEA transfers), know that French fraud control #SignalConso has NO jurisdiction. Because XTB operates on a Polish license 🇵🇱, French authorities cannot intervene. Zero local protection!

UPDATE: 29 May - XTB is now in breach of their GDPR compliance obligations. I have reported them to the French and Polish regulators.

AVOID XTB - They are the worst trading account provider.

Vraiment rien à redire .. j'utilise la plateforme depuis 3 ans , pas de frais de commission, un grand nombre de produits financiers en tout genre ETF, actions , que des satisfactions... je ne comprends les reproches qui sont émis dans les avis négatifs .. certainement des avis achetés par la concurrence pour pousser les gens à aller chez eux

I had a troubling experience with XTB while trading Gold (XAU/USD).
1. Market Opening Delay: When the market opened, my platform showed a delay, preventing me from managing my position in time, resulting in losses.
2. Stop Loss Not Executed: I had a Stop Loss in place, but when the price reached the level, the order was ignored. I had to close the trade manually, which caused further loss.

Email sent as per the below feedback

Issue fixed and waiver done thanks

No respect for the user...company works against their customer, I have been with XTB for 5 years, and spitting blood consistently because of their behaviour. Today's Friday session is very important, and they have decided to make work-related modifications to the platform, which may disrupt the delicate session. Very suspicious behaviour.

I signed up with the promise of a free share but when I tried to validate my identity the app wouldn't work. I went to support who didn't know anything about the app or validation. I was given an email to send my details to and it all started to feel a bit dodgy

When you sign up it says a few share in this or that etc. What it doesn't clearly say is there is a limit of signups and so you might sign up and never receive the offer.

Customer support in the app is very poor and I wouldn't recommend this company to anyone who thinks they may end up contacting support for any reason. I tried contacting support before depositing and after depositing. The first message I sent, I wanted to clarify what documents would be needed to apply for an account. I was able to deposit right away through the app, but wanted to check if any documents from me would be needed later as most of mine are out of date. I got no reply back in the chat. A day later or two I got an email response to my query telling me where I could find the option to add documents in the app and where to link a bank account. Stupidly, I went ahead and deposited because they hadn't highlighted documents were required at that stage and nothing in the account opening process mentions it.

Today, I try to withdraw some money, and the app tells me I need to upload ID documents before I can. This time I do get a response in the chat rather than ignored completely, but it's one brief clarifying question after what I say, then a template message saying they've referred me to another team I have to wait 24 hours for, probably the same one that missed the point of my question last time around.

I didn't put a lot of money in, the cost of renewing passport etc is significant amount compared to the pennies I put in. Would have much preferred any mention at any point that I'd need to provide documents to take money out after I put money in.

I'm obviously at some fault here not having proper documents ready and not being thorough enough before depositing, but it's almost predatory to have such poor support, and no mention of any documentation right up until the point you want to take your money out.

I also want to mention that replies from support chat team in Polish are visible in screen before you enter support chat, so possibly there is some kind of MTL/AI translation issue at play here in terms of quality of response to queries which doesn't help.

Still waiting for a response but very unhappy with experience and will be closing account.

Aplikacja mobilna jest z poprzedniej epoki. Dzisiaj (09.03.2026r) aplikacja nie pobiera danych o moich oszczędnościach. Wydarzylo się to wprawdzie po raz pierwszy odkąd z niej korzystam, ale brak dostepu do pieniędzy klienta w bardziej poważnych instytucjach (czy normalniej dzialajacych fintechach) byłby P0. Tutaj 10min czekałem na polaczenie z konsultantem, raczył mnie bon motami - pewnie nie ma Pan dostepu do sieci telefonicznej (wtf w centrum największego PL miast??). Przyjęli w końcu zgłoszenie. Po tej sytuacji powaznie zadtanawiam sie nad wypłatą swoich pieniędzy i zmianą konta maklerskiego

Wszystko przebiegło byskawicznie tak jak powinno być !