XTB has built one of the strongest footprints of any broker in continental Europe, holding licences across multiple EU and EEA jurisdictions and operating under CySEC oversight for its European retail client base. If you are opening an account for the first time, the referral code XTBWELCOME is worth entering at registration — it takes seconds and comes with no strings attached.
How XTB Referral Codes Work
Referral codes are part of how XTB tracks where new sign-ups originate. When you enter XTBWELCOME during registration, your account is linked to XTB’s referral programme, which allows the associated partner to confirm the sign-up and deliver any benefit attached to the code. From your side, the process is entirely passive — you enter the code, complete registration as normal, and the benefit is applied automatically.
The code does not replace or interfere with any promotions XTB is running directly. You can use XTBWELCOME and still claim whatever welcome offer XTB has active at the time of sign-up. They operate completely independently of one another.
What XTBWELCOME Gets You
Via the partnership between BrokerPartnerCodes.com and XTB, new accounts registered with XTBWELCOME can receive a 30-day trading journal template — a structured spreadsheet built specifically for active traders. Each row captures a trade entry: instrument, direction, size, entry and exit price, and outcome. Over time, the accumulated data makes it straightforward to identify patterns in both winning and losing trades, which is something that is surprisingly difficult to do from memory or from a broker’s trade history alone.
For traders who are new to keeping records, having a ready-made template from day one removes a friction point that often gets skipped in the early weeks of trading. It is a small thing, but a consistent one.
How XTB Is Regulated Across Europe
XTB’s European operation is authorised by CySEC, the Cyprus Securities and Exchange Commission, which serves as the primary regulator for XTB’s retail clients across the EU and EEA. CySEC-regulated brokers must comply with MiFID II, the European Union’s Markets in Financial Instruments Directive, which sets a common standard for how investment firms operate across all member states.
In practical terms, this means several protections apply regardless of which European country you are trading from:
- Negative balance protection — your losses cannot exceed your deposited funds
- Leverage caps — ESMA limits apply: up to 30:1 on major forex pairs, lower on other instruments
- Segregated client funds — your money is held separately from XTB’s operational capital
- Standardised risk disclosures — brokers must clearly communicate the risks of CFD trading
XTB is also regulated by the KNF in Poland, where the company is headquartered and publicly listed on the Warsaw Stock Exchange. The listing requires XTB to publish audited financial statements and meet ongoing governance obligations, which adds an extra layer of transparency beyond what most unlisted brokers provide.
What European Traders Can Access on XTB
XTB’s instrument offering runs to over 10,100 assets, spanning CFDs on forex pairs, equity indices, individual shares, commodities, and ETFs. European clients can also hold positions in real stocks and ETFs — without leverage — through the same platform. Accounts are available in EUR, GBP, PLN, USD, and other base currencies.
The trading platform is xStation 5, a proprietary system available on browser, desktop, and mobile. It is well regarded for its charting tools and order execution speed. The Standard account has no commission on forex trades, with spreads beginning at 0.8 pips on major pairs.
How to Enter the XTBWELCOME Code
The code is entered at the point of account creation, not after. There is no way to apply it retroactively once an account has been confirmed.
On desktop: Go to xtb.com, begin the account opening process, and enter your email address. Before proceeding, select “Add Code,” type XTBWELCOME, and save it. Then continue through the remaining identity and suitability steps.
On mobile: Download the xStation app from the App Store or Google Play. After selecting your country and entering your email, tap “Add Code” before continuing. Enter XTBWELCOME, save it, and complete registration. A confirmation email will follow once the account is approved.
The code has no expiry date and works across all European markets where XTB is active.
Is It Worth Using?
Using XTBWELCOME costs nothing and takes about five seconds. The trading journal is a genuinely useful tool — not a marketing token — and maintaining a trade log is one of the few habits that consistently separates improving traders from those who stay stuck. Claiming it at the start is easier than trying to retrofit good record-keeping later.
Beyond the journal, the code keeps you connected to XTB’s referral programme for any future benefits that may come through it, and it does nothing to limit access to any other offers XTB runs in your region.
Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74–89% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
