Guides · Updated 10 November 2026

XTB in Claude and ChatGPT: how to ask an AI about your XTB portfolio

XTB used to have an API. It switched it off on 14 March 2025, and its help centre now says plainly that API access is no longer available. So there is nothing for Claude, ChatGPT or an MCP server to connect to at XTB — no key to create, no aggregator in between. What works is the one XTB export that is a real ledger, xStation's Cash Operations report, imported into a tracker that an AI can read. In Fortunest that is the in-app assistant on the free plan, or, on Pro, the Claude app, ChatGPT, Claude Code or Codex over MCP.

The short answer

XTB has no API since 14 March 2025. Its help centre says so, and no brokerage aggregator covers XTB, so the CSV export is the only way out of the account.
Take the Cash Operations report, not the Open or Closed positions views: only the first is a transaction history.
Tell the importer the account currency. The file does not say what currency its amounts are in.
The free route: import the file into Fortunest and ask its in-app assistant — no account, no card, three accounts and fifty assets on the free plan.
The Claude and ChatGPT route: on Fortunest Pro (€6.99 a month or €69 a year plus VAT; every new account starts with a 14-day Pro trial, no card), add https://app.fortunest.ai/mcp as a custom connector. Which other trackers and brokers run an MCP server is in portfolio apps with an MCP server.
Re-export to stay current. Without an API nothing syncs; new XTB trades reach the AI when you drop a fresh export in.

Why an AI cannot read XTB directly

An AI assistant reaches outside data through tools — an MCP server, or an API it can call. XTB's help centre article Does XTB offer investment automation tools?, updated 17 April 2026, answers the API question in one line: access is no longer available, and the service was discontinued on 14 March 2025. The same article says XTB offers no automated trading strategies and no copy trading, and points to the web platform and the mobile app instead. It mentions no MCP server and no AI connection.

That rules out more than an official connector. Anything that ever reached an XTB account programmatically — the unofficial libraries and scripts built on the old API among them — lost its door on that date. Fortunest's platform list notes that XTB is not offered by SnapTrade either.

What remains is a file, and XTB's is an unusual one: the quantity and price of each trade sit in a comment sentence rather than in columns, operation names arrive in your platform language, and no column says which currency the amounts are in. That is the part a tracker has to get right before any AI answer on top of it means anything.

Step by step: from XTB to an answer

The export is the same as in the XTB section of the docs and the XTB portfolio tracker guide.

Open Account history → Cash operations In xStation 5 open Account history → Cash operations and set the period to cover your whole history.
Export the Cash Operations report as CSV Choose the Cash Operations report type and export it as csv. Leave the Open and Closed positions views alone — they show a moment, not what happened.
Import it with the account currency Drag the file onto the Portfolio value tile in the app, or into ⚙ Settings → Data. The upload panel shows a currency picker for XTB files, starting from your dashboard's currency: set it to the currency your XTB account is held in. The choice is shown beside the file afterwards, and a wrong one is fixed by uploading again. No Fortunest account is needed.
Ask the in-app assistant — free Open the assistant pane beside the dashboard and ask, on the small free hosted budget, your own Anthropic, OpenAI or OpenRouter key, or a local model through the desktop app.
Or connect Claude, ChatGPT, Claude Code or Codex — Pro In Claude, Settings → Connectors → Add custom connector with https://app.fortunest.ai/mcp; in ChatGPT, Developer mode and a new connector with the same URL and OAuth; in Codex, codex mcp add or Settings → Plugins → MCPs. Sign in to Fortunest, review the permissions and click Allow connection. Each client's steps are in the External agents chapter.

Then check with a question that changes nothing: "Use Fortunest to list my XTB positions with their values in my account currency. Do not change anything." If the values are off by a factor, the currency picked on upload was the wrong one.

Fortunest's portfolio value chart with range presets, markers for trades and transfers along the line, and a benchmark picker comparing the portfolio against an index — What a cash ledger becomes: a value history with trades and transfers as markers and a benchmark fed the same deposits — the demo portfolio in the live app on 7 September 2026.

What the Cash Operations file brings in — and what it does not

Trades from the comment text. Quantity and price are read out of the sentence XTB writes them into, so partial fills, fractional shares and sales land correctly, whatever language the operation names are in.
Dividends keep the per-share amount and the instrument's own currency beside the cash you actually received, with the withholding tax on them; spin-offs, interest on free funds and its tax, deposits, withdrawals and transfers come in too.
Kept as cash only: FX and CFD results, swaps and index positions (the *.cash symbols). They move money on the account but are not holdings, so the balance reconciles without inventing positions.
Unreadable rows are reported, not dropped. XTB has been known to write a malformed timestamp; such a row is counted on the Portfolio tab so a missing trade is visible.
What the AI sees is the portfolio built from the file, not the CSV itself, and positions imported from it stay managed by the file: the assistant will not edit them by chat.

Try it on the demo portfolio — no account

Before you export anything or pay for Pro, connect Claude or ChatGPT to Fortunest's demo portfolio: four synthetic accounts — DEGIRO, Revolut, Kraken and Interactive Brokers — with made-up amounts over real tickers. No Fortunest account, no sign-in, nothing to install.

https://app.fortunest.ai/mcp/demo

In Claude

Open Settings → Connectors and choose Add custom connector.
Name it Fortunest demo, paste the URL above as the Remote MCP server URL and click Add. There is no sign-in step.
In a new chat, enable Fortunest demo under + and ask: "Using Fortunest demo, what are the five largest holdings and how risky is this portfolio?"

In ChatGPT

Turn on Developer mode under Settings → Apps & Connectors → Advanced settings.
In Apps & Connectors choose Create: name Fortunest demo, the URL above as the MCP server URL and Authentication: No authentication. Confirm that you trust it and click Create.
In a new chat, open + → More (or Developer mode), enable Fortunest demo and ask the same question.

In Claude Code: claude mcp add --transport http fortunest-demo https://app.fortunest.ai/mcp/demo. In Codex: codex mcp add fortunest-demo --url https://app.fortunest.ai/mcp/demo.

What the demo is. Seventeen read-only tools — portfolio summary, holdings, one position, allocation, risk, the value chart, upcoming events, recent trades, money flow, tax lots, the tax-free summary, the trade plan and its candidates, simulation inputs, data warnings and a search of the documentation — on one shared example portfolio. It cannot change anything, sees nobody's real data, and Fortunest runs no AI model for it: Claude or ChatGPT brings its own. For your own portfolio, import your exports in the app — free, with the in-app assistant; connecting an agent to it at https://app.fortunest.ai/mcp is Pro. Every endpoint and tool is listed in the Fortunest MCP server reference.

What you can ask about an XTB portfolio

XTB accounts are often held in zloty, koruna or euros and mix European and US shares with ETFs. Every question below is one the assistant manual or our guides document; they work in the in-app assistant and, over MCP, in a connected agent. Swap in your own holdings.

Ask	What comes back
"Summarise my top five holdings by current value and their combined portfolio weight. Make no changes."	The five largest positions in your display currency, converted from the account currency at each day's rate.
"Show values in EUR."	The whole dashboard switched to euros — handy when the XTB account is in PLN or CZK and the rest of your money is not.
"How much did I deposit and withdraw this year?"	The money in and out of each account, so a return on an account you keep topping up is not mistaken for growth.
"What does the TER on my ETFs cost me a year?"	The fund fees at your position sizes, from the fee figures the dashboard shows.
"What's the news on Novo Nordisk?"	The latest headlines with links, the quote and ratios, fetched live.
"My worst performers this year."	The holdings table filtered and ordered by this year's return, with a comment on what is left.
"Which lots become tax-free within 12 months?" — Pro	From the Taxes tab's lots and holding-period test; the default rulebook is the Czech one, every threshold a setting. Orientation, not tax advice.
"How much have I sold this year against the small-sale limit?" — Pro	This year's proceeds against the Taxes tab's small-sale limit, under the same configurable rulebook.

Where this falls short

Nothing syncs. With no XTB API, every update is a fresh export you drop in.
CFD and forex trading shows as cash, not as positions — fine for the balance, but an agent cannot discuss an open CFD position it never sees.
The currency is yours to state. Pick the wrong one on upload and every value is off until you upload again.
MCP is Pro after the trial, whatever the agent reads goes to your agent's provider under their terms, ChatGPT custom connectors depend on your plan, and free Claude accounts are limited to one custom connector.

How we checked

We read XTB's help centre article on automation tools, which covers the API, on 10 November 2026. The Fortunest steps, what the import reads and the example questions come from our documentation, which is kept current with each release. We build Fortunest, so we are not neutral; the limits above are ours.

Questions people ask

Can ChatGPT or Claude read my XTB portfolio?

Not directly: XTB switched its API off on 14 March 2025, so nothing can connect to an XTB account, but an AI can read it through a tracker. Export the Cash Operations report from xStation, import it into Fortunest with your account currency, then add https://app.fortunest.ai/mcp as a custom connector in Claude or, with Developer mode, in ChatGPT, sign in and allow the connection. That needs Fortunest Pro, which every new account gets free for 14 days; in ChatGPT, custom connectors depend on your plan, and free Claude accounts are limited to one custom connector.

Does XTB have an API or an MCP server?

No. XTB's help centre says API access is no longer available and the service was discontinued on 14 March 2025; the same article says XTB offers no automated strategies and no copy trading, and it mentions no MCP server. No brokerage aggregator covers XTB either, so the export you download yourself is the only route out.

Which XTB export does an AI need?

The Cash Operations report. In xStation 5 open Account history → Cash operations, set the period to your whole history, choose the Cash Operations report type and export it as CSV. The Open and Closed positions views are snapshots of a moment, not a transaction history, so a portfolio cannot be rebuilt from them.

Why does Fortunest ask for my XTB account currency?

Because the XTB file has no currency column. Every amount in it is in the currency your XTB account is held in, and nothing in the file says which, so XTB files — and only XTB files — get a currency picker on upload. A tracker that guesses would value a PLN or CZK account as if it were euros.

Are my XTB CFD and forex trades included?

As cash, not as holdings. FX and CFD results, swaps and index positions — the *.cash symbols — move cash on your account but are not something a portfolio can hold, so Fortunest keeps them as cash movements and the balance still reconciles. Stocks and ETFs are imported as positions.

Can an AI trade my XTB account through Fortunest?

No. Fortunest reads a file you exported; it has no connection to XTB, and the app has no order-placing code. Changes an agent proposes inside Fortunest itself — a note, a target, a setting — need your approval there.

Drop your XTB export in — free, no account The XTB export, step by step

Sources

Fortunest — the XTB export walkthrough, every supported platform, the MCP server reference and its External agents chapter, the XTB tracker guide, and the DEGIRO MCP guide, the same route for another broker without an API.
XTB — help centre, Does XTB offer investment automation tools? (updated 17 April 2026; read 10 November 2026).

Signals, analyses and assistant answers in Fortunest are informational — not financial or tax advice.