XTB’s export is one of the tidier ones in Europe. The catch is vocabulary: it does not write “Buy” and “Sell”, it writes Stocks purchase and Stocks sale, and a tool that only knows the short words treats every trade you have made as an unrecognised row.
Where the export is
In the account history or reports area of the xStation web platform, rather than the mobile app. Ask for the full account history as CSV over a date range that starts before your first deposit.
The words XTB uses
This is the part worth knowing before you import anywhere, because every one of these is a full phrase rather than a single word:
- Stocks purchase and Stocks sale — a buy and a sell.
- Dividend — the gross payment.
- Withholding tax — the tax deducted from that dividend, on its own row.
- Free-funds interest — interest on uninvested cash, which is income but not a dividend.
- Deposit and Withdrawal — your own money moving in and out.
Why withholding tax needs its own treatment
XTB writes the gross dividend on one row and the tax on another. Add them both as income and you overstate what you were paid. Treat the tax row as a cost and it looks like a fee you were charged. It is neither — it is a reduction of the dividend beside it, and the useful number is what landed in the account.
The same applies to the deposit and withdrawal rows for a different reason: they are not returns. Money you add is not profit, and counting it as such is the most common way a tracker reports a return that looks far better than reality. That mechanism is worth understanding in general — see what your real return is when you keep adding money.
What to check once it is in
- A position you know well, against xStation.
- Dividends for a full past year. Zero means you took a trades-only report.
- Interest, if you held meaningful cash. Free-funds interest is easy to drop silently.
HaboFi recognises XTB’s phrasing directly, including free-funds interest and the separate withholding-tax rows. CSV or Excel, no broker login and no API key — a file you downloaded yourself, and nothing that keeps reading your account afterwards.
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