XTB is a publicly listed broker regulated by the UK's FCA and Poland's KNF, offering stocks, ETFs and CFDs. Unlike most forex bonuses, its free-share promotion complies with EU and UK rules: you fund an account and receive one real share with no trading or holding requirement. It does not serve US retail clients.
Risk warning: Trading carries a high risk of losing money, especially with leveraged products such as CFDs. A bonus does not reduce that risk. Only deposit what you can afford to lose.
XTB
New XTB clients who open an account and make a deposit receive one free real share, typically worth between about $25 and $80, with no trading or holding requirement.
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XTB is a publicly listed brokerage founded in Poland in 2002. Its parent, XTB S.A., has traded on the Warsaw Stock Exchange since 2016. The group reported more than 2.16 million clients globally by the end of 2025, with operations across roughly a dozen countries.
The main regulated entities are XTB S.A. under Poland's KNF, XTB Limited under the UK's FCA, and XTB International Limited under Belize's FSC, with additional licensing including CySEC in Cyprus and the DFSA in Dubai. The protections that apply (segregated funds, negative balance protection, compensation schemes) depend on which XTB entity onboards you, which is set by your country of residence. XTB does not accept clients resident in the United States.
XTB has had regulatory run-ins along the way, including a KNF fine in 2018 over price slippage practices, an AMF sanction in France in 2021, and a further KNF fine in 2026 tied to MiFID II and CFD investor-protection findings. None of that makes the broker unregulated; it means enforcement has actually happened, which is a different risk profile than an offshore broker no regulator monitors.
XTB's core retail product is the xStation platform, offering real stocks, ETFs, and CFDs on forex, indices, commodities and more. On real stocks and ETFs, XTB charges 0% commission up to a monthly turnover of 100,000 EUR; above that threshold, trades are charged at 0.2% with a minimum fee. Fractional shares are supported, so you can start an equity position with a small amount.
Buying instruments priced in a currency different from your account's base currency triggers a 0.5% currency conversion fee, which applies often to US-listed stocks bought from a non-USD account. Withdrawals are free above a minimum threshold; smaller withdrawals can carry a flat processing fee.
XTB pays interest on uninvested cash sitting in the account, with variable rates reviewed roughly weekly. UK clients also have access to Stocks and Shares and Cash ISA products, and Poland-based clients can use IKE and IKZE retirement wrappers. CFD trading uses ESMA-style leverage caps plus mandatory negative balance protection for retail clients in EU and UK entities.
This is the part that trips people up: XTB does not run classic forex-style deposit-match bonuses for retail clients in the EU or UK. Since 2018, ESMA product-intervention rules, mirrored by the FCA after Brexit, ban CFD providers from offering trading incentives to retail clients in those markets. That is a regulatory prohibition, not a marketing choice, and it applies to every FCA- or CySEC/KNF-regulated CFD broker, not just XTB.
Instead, XTB competes on structural things: 0% commission on stocks and ETFs under the turnover cap, interest paid automatically on idle cash, and periodic free-share promotions. The free-share offer is structured to be compliant: eligible new clients open and fund an account and receive one real share, with no minimum deposit and no requirement to trade or hold a position, typically capped to a set number of participants and time-limited. That structure is deliberately different from a forex deposit bonus, since it is a welcome incentive rather than a trading incentive tied to volume or margin.
Terms vary by country and entity. UK offers, for instance, have required UK tax residency and excluded anyone who held an XTB account in the prior 12 months; other regions occasionally run their own referral or cashback promotions. Always check the specific terms PDF for the country you are opening the account in rather than assuming a promotion advertised for one market applies globally.
Confirm which XTB entity you are actually opening an account with (KNF, FCA, CySEC, DFSA or FSC Belize), since that determines your regulatory protections and which promotions you are even eligible for. Read the specific promotion's terms for eligibility windows, geographic restrictions and participant caps, since popular free-share offers can close early. Factor in the 0.5% currency conversion fee if you plan to trade non-local listings, and check the small-withdrawal fee threshold if you plan to move money in and out frequently.
No. ESMA rules adopted in 2018, mirrored by the FCA after Brexit, prohibit CFD providers from offering trading incentives such as deposit bonuses to retail clients in the EU and UK. XTB's EU and UK entities cannot legally run that kind of promotion.
Periodic free-share offers for new clients. You open an account, fund it (often with no minimum deposit required), and receive one real share, with no requirement to trade or hold a position. These are typically time-limited and capped to a set number of participants, so check the terms for the specific country and period.
Yes, through several entities depending on where you live: XTB S.A. under Poland's KNF, XTB Limited under the UK's FCA, and XTB International Limited under Belize's FSC, with further licensing through CySEC in Cyprus and the DFSA in Dubai. Which entity onboards you determines your regulatory protections.
XTB charges 0% commission on real stocks and ETFs up to a monthly turnover of 100,000 EUR. Above that, trades are charged 0.2% with a minimum fee. A separate 0.5% currency conversion fee applies when trading instruments priced in a currency different from your account's base currency.
No. XTB does not accept clients resident in the United States.
Yes. XTB pays variable interest automatically on uninvested cash balances, recalculated roughly weekly, with no minimum balance required. UK clients also have access to a separate Cash ISA product with its own advertised rate.