XTB Integration — Import Your Investment Portfolio to Freenance

Import Your Portfolio from XTB

XTB (X-Trade Brokers) is one of the largest and most popular stock brokers in Europe, particularly well-known in Poland. With its xStation 5 trading platform, commission-free stock and ETF trading, and access to IKE and IKZE tax-advantaged retirement accounts, XTB has become the go-to brokerage for hundreds of thousands of Polish investors. Freenance lets you import your complete XTB portfolio — transaction history, current positions, and account balances — so you can track your investments in the context of your complete financial picture.

Whether you are building a long-term ETF portfolio, trading CFDs, or saving for retirement through an IKE or IKZE account, seeing your XTB investments alongside bank accounts, crypto, bonds, and liabilities gives you the clarity you need to make informed financial decisions.

Why Track XTB Investments in Freenance?

XTB's xStation platform provides excellent tools for analyzing your investment performance, but it only shows one slice of your financial life. Here is what you gain by importing XTB data into Freenance:

• Complete net worth — your XTB portfolio combined with bank accounts, crypto, bonds, real estate, and liabilities gives you a true picture of your total wealth
• Portfolio allocation — see what percentage of your assets is in stocks, ETFs, bonds, cash, and crypto. Is your allocation aligned with your investment plan?
• Financial Freedom Runway — include your XTB investments in the calculation of how many months you could sustain your lifestyle without active income
• Performance in context — XTB shows you investment returns, but Freenance shows you how those returns impact your overall financial trajectory
• Tax account separation — track your regular brokerage account, IKE, and IKZE separately, each with its own tax treatment
• Unified dashboard — stop logging in to multiple platforms to get a sense of your finances. See everything in one place

Step-by-Step Guide: Export Transaction History from xStation 5

xStation 5 is XTB's proprietary trading platform, available as a web app, desktop application, and mobile app. The most straightforward way to export data for Freenance is through the web or desktop version.

Step 1: Log in to xStation 5

1. Open your browser and navigate to the xStation 5 web platform, or launch the xStation 5 desktop application
2. Log in with your XTB account credentials (email/client number and password)
3. If you have multiple accounts (regular brokerage, IKE, IKZE), make sure you are logged into the correct one

Step 2: Navigate to Transaction History

1. Look for the History or Transaction History tab in the bottom panel of xStation 5. In the web version, it is typically accessible from the main navigation
2. Click on the tab to expand it
3. You will see a list of your executed trades, deposits, withdrawals, dividends, and fees

Step 3: Set the Date Range

1. Use the date picker or filter options to set your desired date range
2. For a comprehensive import, we recommend exporting at least 12 months of history
3. If you have been investing with XTB for several years, consider exporting the full available history

Step 4: Export to CSV

1. Look for the Export button or download icon — it is usually in the upper-right corner of the transaction history panel
2. Click the button and select CSV format (Excel/XLS is not supported by Freenance)
3. Save the file to your computer
4. Note the file location for the import step

Step 5: Export Current Positions (Optional but Recommended)

In addition to transaction history, you can export your current open positions:

1. Go to the Portfolio or Open Positions tab in xStation 5
2. Click Export or the download icon
3. Save the CSV file

This file provides a snapshot of your current holdings, including the number of shares, average purchase price, and current market value. It helps Freenance verify portfolio accuracy.

See our [setup guide] for visual walkthrough of the xStation export process.

Step-by-Step Guide: Export from XTB Mobile App

The xStation mobile app (available for iOS and Android) also allows you to access your transaction history, though export functionality may be more limited than the web/desktop version.

Step 1: Access History

1. Open the xStation mobile app
2. Navigate to the History or Portfolio section
3. Browse your transaction history

Step 2: Export Options

1. Some versions of the mobile app offer a direct export option — look for a share or download button
2. If no direct export is available, we recommend using the web version of xStation 5 for exporting CSV files
3. Alternatively, you can request a full account statement from XTB's client office or via the XTB Client Panel

Step-by-Step Guide: Import to Freenance

Once you have your XTB CSV file, importing to Freenance is quick and straightforward.

Step 1: Open the Import Screen

1. Sign in to Freenance at freenance.io
2. Open Configuration → Integrations and enable the XTB integration

Step 2: Upload Your CSV File

1. Drag and drop the CSV file onto the upload area, or click Choose file to browse
2. Freenance will automatically recognize the xStation format (column structure and data format)
3. A preview of your transactions will appear, showing dates, instruments, quantities, prices, and amounts

Step 3: Confirm the Import

1. Review the preview to make sure instruments and amounts look correct
2. Click Confirm Import
3. Freenance will process the transactions, match them against known stock and ETF tickers, and calculate your current portfolio positions
4. Your XTB portfolio will appear on your Freenance dashboard with current market valuations

What Data Is Imported from XTB?

Freenance extracts and processes the following data from your XTB export:

Instrument Tracking Details

Freenance automatically matches XTB instrument tickers to current market data:

• Stocks — matched by ISIN and ticker symbol to fetch real-time prices
• ETFs — matched similarly, with additional data on fund composition, expense ratios, and dividends
• CFDs — tracked by their underlying instrument for price updates
• Fractional shares — handled with the same precision as whole shares

XTB and Tax-Advantaged Accounts: IKE and IKZE

One of XTB's most compelling features for Polish investors is access to IKE (Indywidualne Konto Emerytalne) and IKZE (Indywidualne Konto Zabezpieczenia Emerytalnego) retirement accounts. These accounts offer significant tax benefits:

IKE (Individual Retirement Account)

• Annual contribution limit: 23,472 PLN (2025, adjusted annually)
• Tax benefit: No capital gains tax (19%) on profits if you withdraw after age 60 (or 55 for early retirement with conditions)
• XTB IKE: Offers access to commission-free stocks and ETFs within the IKE wrapper, making it one of the most popular IKE options in Poland
• In Freenance: Your IKE account is tracked separately with its tax-advantaged status noted. This means Freenance can account for the fact that gains in IKE are tax-free when calculating your effective net worth

IKZE (Individual Retirement Security Account)

• Annual contribution limit: 9,388.80 PLN (2025, adjusted annually)
• Tax benefit: Contributions are tax-deductible (reduce your taxable income), and withdrawals after age 65 are taxed at a flat 10% instead of the standard rate
• XTB IKZE: Same commission-free stock and ETF access as IKE
• In Freenance: IKZE is also tracked separately, with its unique tax treatment reflected in your financial calculations

How to Import IKE/IKZE Accounts

If you have separate XTB accounts for your regular brokerage, IKE, and IKZE:

1. Log in to each account separately in xStation 5
2. Export the transaction history CSV from each account
3. Import each file into Freenance, designating the account type (regular, IKE, or IKZE)
4. Freenance will track each account independently, with the correct tax treatment applied

Portfolio Valuation and Price Updates

After importing your XTB portfolio, Freenance provides ongoing valuation:

1. Real-time price fetching — stock and ETF prices are updated from market data providers during trading hours
2. Currency conversion — XTB offers instruments in PLN, EUR, and USD. Freenance converts everything to your base currency for unified reporting
3. Profit/loss calculation — for each position, Freenance calculates your total gain or loss based on your average purchase price versus current market price
4. Dividend tracking — dividends received are logged as income and contribute to your investment returns
5. Portfolio snapshots — Freenance records daily portfolio values, allowing you to view historical performance charts and track your investment journey over time

Why Track XTB in Freenance Instead of Just xStation?

xStation is a powerful trading platform, but Freenance adds dimensions that xStation cannot provide:

• Your XTB investments combined with cash — seeing your brokerage account next to your bank balances shows the full picture. You might have 50,000 PLN in ETFs but only 2,000 PLN in cash — that matters for financial planning
• Net worth = assets minus liabilities — if you have a mortgage, car loan, or credit card debt, Freenance subtracts those from your assets to show true net worth
• Portfolio allocation across all assets — XTB shows your stock/ETF allocation, but what about crypto, savings bonds, and real estate? Freenance shows the complete allocation
• Financial Freedom Runway — this is Freenance's signature metric. How many months could you sustain your current lifestyle if you stopped working? Your XTB investments are a crucial part of that calculation
• Spending analysis — Freenance combines investment tracking with expense tracking. Are your monthly savings enough to reach your investment goals? You will see the complete cash flow picture

Troubleshooting Common Issues

Problem: CSV file is not recognized by Freenance

Solution: Make sure you exported from xStation 5 (not from a third-party tool or email statement). Freenance is specifically designed to parse the xStation CSV format. If you exported in Excel format, try re-exporting as CSV.

Problem: Some instruments show incorrect prices

Solution: This can happen with less-common instruments or newly listed securities. Freenance matches instruments by ticker and ISIN. If a match is not found, the instrument may show a stale price. Contact support if you notice persistent pricing errors.

Problem: Fractional shares are not imported correctly

Solution: XTB's fractional share feature uses synthetic instruments that may have slightly different tickers than the underlying stock. Freenance handles most XTB fractional shares automatically. If a specific instrument is not recognized, you can manually add it to your portfolio.

Problem: IKE and regular account transactions are mixed up

Solution: Export each XTB account (regular, IKE, IKZE) separately and import them as distinct accounts in Freenance. If you accidentally imported the wrong file into the wrong account, delete the import and re-import to the correct account.

Problem: Old transactions are missing from the export

Solution: xStation 5 may have a limit on how far back transaction history goes. If you need older data, contact XTB customer support or check the XTB Client Panel for extended history downloads.

Frequently Asked Questions

Does Freenance require my XTB login credentials?

No. Freenance never asks for your xStation username or password. You export CSV files from xStation yourself and upload them to Freenance manually. Your XTB login credentials remain private.

Can I track my XTB IKE account separately from my regular account?

Yes. Import each XTB account as a separate entity in Freenance. This allows you to track your regular brokerage, IKE, and IKZE accounts independently, each with its own tax treatment and performance metrics.

How often should I import data from XTB?

For active traders, weekly imports provide the most accurate portfolio tracking. For long-term investors who trade infrequently, monthly imports are sufficient. Since Freenance detects duplicate transactions, there is no risk of double-counting.

Does Freenance support XTB CFD positions?

Yes. Closed CFD positions (realized profit/loss) are fully supported. Open CFD positions are imported with partial support — they appear in your portfolio but real-time mark-to-market valuation may vary.

Will Freenance support automatic XTB sync via API?

XTB offers an xStation API for developers. Automatic integration via API is on our roadmap for future releases. Currently, manual CSV imports are the supported method.

Start Tracking Your Investments in Context

Your XTB portfolio is an important part of your financial life — but it is not the whole picture. With Freenance, you see your stocks, ETFs, and retirement accounts alongside everything else: bank balances, crypto, bonds, and debts. Make better decisions with complete financial visibility.

👉 Connect your XTB portfolio with Freenance — freenance.io