XTB licence record
Is XTB regulated by the KNF?
Yes, according to our records. XTB is matched to a licence from the Polish Financial Supervision Authority (Poland). Confirm it on the register before relying on it.
What the KNF licence means
According to our records, XTB holds a licence from the Polish Financial Supervision Authority (KNF), the financial regulator for Poland. We classify the KNF as tier 2 — strong regulation. Credible regulators with real rulebooks, but fewer safeguards than tier 1 (e.g. no compensation scheme or looser leverage rules).
For XTB clients whose account is held by its KNF-regulated entity, the key protections are: compensation — Investor compensation up to the PLN equivalent of €22,000; retail leverage — 30:1 on major FX pairs (ESMA rules); negative balance protection — mandatory for retail clients; client money — MiFID II client asset rules. Disputes can be taken to Financial Ombudsman (Rzecznik Finansowy).
XTB is also matched to licences from FCA, CySEC, DFSA, FSCA and FSC (Belize). FCA is rated higher than the KNF in our methodology, so if you are eligible for that entity you may get stronger protection. Note that clients outside Poland may be onboarded to a weaker entity (FSC (Belize)) instead.
Protection at a glance
- Regulator tier
- Tier 2 — Strong regulation
- Compensation scheme
- Investor compensation up to the PLN equivalent of €22,000
- Retail leverage
- 30:1 on major FX pairs (ESMA rules)
- Negative balance protection
- Required for retail clients
- Client money
- MiFID II client asset rules
- Complaints
- Financial Ombudsman (Rzecznik Finansowy)
How to verify this licence
- Open XTB's client agreement or website footer and note the exact company name and KNF licence number.
- Search that name or number on the official KNF register. Check the status is current, not cancelled or suspended.
- Confirm the website domain you're using (xtb.com) is the one listed on the register — clone firms copy genuine licence numbers.
- Search the KNF warnings page and IOSCO I-SCAN for the brand name.
XTB's other licences
Frequently asked questions
Is XTB regulated by the KNF?
Our database records XTB as holding a licence from the Polish Financial Supervision Authority. Confirm the current status on the KNF register: https://www.knf.gov.pl/en/ENTITIES
Does the KNF licence protect all XTB clients?
No. It protects clients whose account is with the specific XTB company licensed by the KNF. Clients onboarded to a different group entity are covered by that entity's regulator instead.
Is there a compensation scheme for XTB clients under the KNF?
Investor compensation up to the PLN equivalent of €22,000
What leverage can XTB offer under the KNF?
30:1 on major FX pairs (ESMA rules)