What happens when XTB margin-calls you
Leverage is not what ruins an account — the forced sale at the bottom is. This page records what XTB is contractually allowed to do to your positions, taken from the document XTB Limited (UK, FCA FRN522157) publishes, not from marketing copy.
Who and what this policy covers
Applies to XTB Limited, the UK entity authorised by the Financial Conduct Authority (FRN 522157, company number 07227848), whose risk disclosure is the source document below. Negative balance protection covers retail clients; professional clients do not receive it. Which XTB entity holds the contract for readers in the EU or the CIS was not established in this check — read the entity named in your own client agreement before assuming these terms are yours.
“If the net equity in your account (cash plus unrealised profits minus unrealised losses) falls below 50% of the required margin, we may close part or all of your positions at prevailing market prices.”
Does XTB warn you before closing your positions?
Partly. XTB Limited (UK, FCA FRN522157) closes retail positions automatically at the regulated threshold; the close-out is a rule, not a discretionary call from a dealer.
At what level does XTB start closing positions?
At 50% of the required margin — and that is not XTB Limited (UK, FCA FRN522157)'s choice. It is the level regulators mandate for retail accounts, so every EU-regulated broker uses the same number. It is not a point of difference between brokers.
Can you lose more than you deposited with XTB?
Not as a retail client of XTB Limited (UK, FCA FRN522157) — negative balance protection caps your loss at the account balance. That protection is tied to retail classification: if you ask to be reclassified as a professional client, it goes away.
Verified 2026-08-31 · Source document
Frequently asked questions
Does XTB warn you before closing your positions?
At what level does XTB start closing positions?
Can you lose more than you deposited with XTB?
How we verified this review
Every fact below is verified against primary sources. We refresh on a schedule and on reader feedback.