Best Online Brokers in Poland in 2026 (compared)

Interactive Brokers leads the list as one of the best online brokers in Poland.

Founded in 1978, Interactive Brokers is one of the largest international brokers, listed on NASDAQ (ticker: IBKR). It’s regulated by several top-tier authorities and has no minimum deposit. Polish investors are served by Interactive Brokers Ireland Ltd, regulated by the Central Bank of Ireland, which passports its services across the EU.

IBKR suits both beginners and experienced investors looking for almost any financial product (stocks, ETFs, bonds, options, futures, forex, commodities and more), with advanced technical and fundamental tools and strong educational resources.

Interactive Brokers supports many base currencies, including PLN, EUR, USD and GBP, and has very low currency conversion costs. Its tiered commissions fall as your monthly volume grows, and it gives Polish investors access to more than 160 markets worldwide, including the Warsaw Stock Exchange (GPW), the main US exchanges and most European and Asian markets, all from a single account.

IBKR GlobalTrader is a simpler mobile app for global investing. It supports fractional shares and lets you invest from as little as $1, which makes it well suited to beginners. You can also open a paper trading account to practise before investing real money.

On the downside, the main IBKR platforms can feel overwhelming if you’re new to investing, although the broker offers extensive educational material, and starting with GlobalTrader is a good way to ease in.

One important point for Polish investors: IBKR doesn’t offer IKE or IKZE accounts. If those matter to your strategy, you’ll need a Polish broker (such as XTB) for that part of your portfolio. As a foreign broker, IBKR also doesn’t produce the Polish PIT-8C form, so you have to report your capital gains yourself (PIT-38), converting the figures to PLN.

Want to know more? Check our comprehensive Interactive Brokers review and visit IBKR’s website.

Another excellent platform in Poland is eToro, an international broker with around 40 million registered users who invest in stocks, ETFs, cryptocurrencies and CFDs on forex, commodities and indices. It went public on NASDAQ (ticker: ETOR) in May 2025, a notable credibility milestone. It’s known for its social trading feature, which lets you copy the portfolios of experienced investors, chosen by their past returns, risk score and other factors.

eToro gives access to thousands of instruments, including stocks and ETFs on the main US and European exchanges. You can also invest in Smart Portfolios, ready-made baskets that combine several assets or investors around a theme or strategy.

eToro offers commission-free ETF investing in Poland. Stocks are different: a commission of [TO CONFIRM: $1 or $2] applies to Polish residents both when you open and when you close a stock position, so a full round trip costs double that. The commission is always charged in US dollars, whatever the currency of the stock, and it doesn’t apply to ETFs, copy trading or Smart Portfolios.

Opening an account and depositing is straightforward, and you can practise with a free demo account. On the downside, spreads can be wider than at specialist brokers on some products, and withdrawals from USD accounts carry a $5 fee. eToro now offers euro accounts, but if you fund in PLN you’ll still pay a currency conversion fee. Note also that eToro doesn’t offer IKE or IKZE accounts, and Polish tax reporting (PIT-38) is your own responsibility, since it’s a foreign broker.

If you’d like to learn more, check our eToro review.

Founded in 2002, XTB is a major Polish broker with extensive international experience. It’s regulated by several top-tier authorities, including the KNF (Poland), CySEC (Cyprus), the FCA (UK) and the DFSA (Dubai), and is listed on the Warsaw Stock Exchange (WSE: XTB). XTB serves more than 2 million clients worldwide and, as a Polish company, offers strong local infrastructure, including IKE and IKZE accounts, a key advantage for tax-efficient long-term investing.

XTB offers 0% commission on real stocks and ETFs up to €100,000 of monthly turnover (0.2%, minimum €10, above that), with fractional shares from €10 and investment plans for recurring ETF investing. It also offers CFDs on stocks, ETFs, indices, forex, commodities and cryptocurrencies for those who want leveraged exposure, although CFDs are complex, higher-risk instruments and most retail accounts lose money trading them.

Opening an account and transferring money is quick and easy, with PLN supported as a base currency, which avoids the conversion costs Polish investors face at foreign brokers. Beginners get a free demo account and a strong library of educational tools, while more experienced investors have plenty of analysis features.

Costs on crypto CFDs are relatively high, while forex spreads are competitive. XTB charges an inactivity fee of €10 a month after 12 months without trading if you also haven’t deposited in the last 90 days, and a 0.5% currency conversion fee. As a Polish broker, XTB automatically produces the PIT-8C form with your annual capital gains and dividends, a meaningful convenience compared with foreign brokers, where you have to handle PIT-38 reporting yourself in PLN.

Still have questions? Read our XTB review.

Freedom24, part of Freedom Holding Corp. (NASDAQ: FRHC), is a cost-effective option compared with traditional brokers. It gives access to a diverse range of global products, including stocks, ETFs, bonds, futures and options, with a notably strong selection of ETFs from issuers such as Vanguard, iShares and Invesco. Polish is one of the platform’s supported languages.

Freedom24 also offers ETF investment plans, with €0 commission when you invest through its Recurring Investment function (other fees apply, as set out in the Freedom24 Fee Schedule), which makes it easy to invest regularly in a diversified portfolio.

Its web and mobile platforms are intuitive and straightforward, with market analysis tools (InvestIdeas) and educational resources (Freedom Academy). New clients can also get up to 20 gift shares, depending on their deposit, until 30 October 2026 (terms apply).

There’s no minimum deposit, and several tariff plans are available, including an All Inclusive plan, so the cost of each order depends on the plan you choose. On the downside, Freedom24 charges a withdrawal fee and doesn’t offer cryptocurrencies.

Freedom Finance Europe Ltd is regulated by the Cyprus Securities and Exchange Commission (CySEC). In the unlikely event that segregated client assets can’t be returned, Freedom24 falls under the Investor Compensation Fund (ICF), which covers up to €20,000. Note that Freedom24 doesn’t offer IKE or IKZE accounts, and Polish tax reporting (PIT-38) is your own responsibility, since it’s a foreign broker.

Want to learn more? Check our Freedom24 review or visit Freedom24 directly.

Founded in 2008, Plus500 is a CFD provider offering CFDs on forex, indices, shares, commodities, options, ETFs and cryptocurrencies. It’s available in more than 50 countries and listed on the London Stock Exchange (ticker: PLUS), as part of the FTSE 250. With CFDs, you speculate on price movements without owning the underlying asset, so it suits active traders rather than long-term investors.

The main platform is WebTrader, Plus500’s proprietary platform, which offers a stable, responsive experience across devices, including a polished mobile app. You can test its features with a free demo account before committing real money.

Customer support is available through a chat that’s always visible on the platform. Spreads are competitive, and accounts can be opened in several currencies, including EUR, USD and GBP. The broker charges a 0.70% currency conversion fee and a $10 monthly inactivity fee after three months without logging in.

Polish investors are served through Plus500CY Ltd (CySEC, licence 250/14), with client funds covered up to €20,000 by the Cyprus Investor Compensation Fund. Plus500 also provides negative balance protection on CFD accounts, which is mandatory for retail clients in the EU. Note that Plus500 doesn’t offer IKE or IKZE accounts, and Polish tax reporting (PIT-38) is your own responsibility.

Want to know more about Plus500? Check our Plus500 review.

Founded in 1992, Saxo is one of the most established names in the brokerage industry. It gives access to more than 70,000 instruments through its SaxoTraderGO and SaxoTraderPRO platforms, alongside the simpler SaxoInvestor app for beginners. In 2025, Saxo was majority-acquired by the Swiss private bank J. Safra Sarasin, reinforcing its long-term stability.

Its wide range of products spans global markets and includes stocks, ETFs, bonds, mutual funds, options, futures, CFDs and forex, suited to both buy-and-hold investors and active traders.

Saxo’s account tiers are:

• Classic: no minimum deposit in most countries, with tight spreads and 24/5 support;
• Platinum: for clients with around $200,000 or more, with costs up to 30% lower and priority support in your local language;
• VIP: for clients with around $1,000,000 or more, with the best pricing, access to trading experts and exclusive events.

Pricing depends on your tier. For example, a US stock order costs around 0.08% of the trade value (minimum $1) on the Classic tier and around 0.03% on the VIP tier. Depending on your country, other fees, such as a custody fee, may apply, so check Saxo’s price list before opening an account.

Saxo Bank A/S is a fully licensed European bank supervised by the Danish Financial Supervisory Authority (Finanstilsynet). It participates in the Danish Guarantee Fund, which protects cash deposits up to €100,000 and securities up to €20,000 per client. Note that Saxo doesn’t offer IKE or IKZE accounts, and Polish tax reporting (PIT-38) is your own responsibility.

Founded in 2004, Trading 212* is a fintech group headquartered in London that aims to make investing simple through a modern mobile app, with more than 10,000 stocks and ETFs and millions of clients across Europe. Sponsored Code: new clients can get free fractional shares worth up to 100 EUR using the code IITW. Terms apply.

With Trading 212 you get no commissions on stocks and ETFs (Other fees may apply. See terms and fees), fractional shares from €1 and an automatic investing feature, Pies & AutoInvest, which lets you schedule regular investments into a portfolio of your choice. It also pays interest on uninvested cash. Opening an account is quick and easy. On the downside, the product range has gaps, notably no bonds, options or futures. 0,15% FX fee applies when converting funds.

Trading 212 is regulated across several jurisdictions, by the FCA (UK), CySEC (Cyprus), BaFin (Germany) and ASIC (Australia), with client assets held in segregated accounts. Polish investors are typically served through the CySEC-regulated entity, with client funds covered up to €20,000 by the Cyprus Investor Compensation Fund. Note that Trading 212 doesn’t offer IKE or IKZE accounts, and Polish tax reporting (PIT-38) is your own responsibility.

If you want to learn more, check our Trading 212 review.