Last updated: 10 June 2026

By Stiv · Design, technology and personal finance

I have used investing apps for over a decade, including Freetrade, Lightyear, Trading 212, Interactive Brokers and JPMorgan Personal Investing. This XTB app review is based on real, recent first-hand use on iPhone over the past few weeks.

This is an opinion piece. Views expressed are my own personal experience and observations. Other XTB customers have reported very different experiences, both better and worse, and you can read those views directly on the App Store, Google Play and Trustpilot. Nothing in this review constitutes professional, financial or legal advice, nor an allegation of wrongdoing by XTB. Capital is at risk when investing.

This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view. This post does not contain any XTB referral links; where alternative brokers are mentioned, those links may include CoolCuration referral codes. We have no referral relationship with XTB and do not benefit financially from XTB itself.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Cool Factor: 1/5

Welcome to our XTB app review. After spending the last few weeks battling with the broker's iOS app, surviving a verification process worthy of a Kafka novella, and being chased around the screen by stock notifications I never asked for, I have reached a personal verdict. It is not flattering. So if you have seen the ads and the free share offers, this XTB app review explains exactly what you would be signing up for, in my experience.

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