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XTB poinformowało, że szczegółowo analizuje uzasadnienie stanowiska KNF i na tej podstawie podejmie decyzję o ewentualnych dalszych krokach prawnych.</p><h2 style=\"text-align: left;\">20 mln zł kary dla XTB od KNF</h2><p>Najpoważniejsze zastrzeżenia nadzoru dotyczą tego, jak spółka oceniała swoich klientów. W okresie od początku 2022 do drugiej połowy 2023 roku XTB miało niewłaściwie sprawdzać, czy inwestorzy rzeczywiście rozumieją ryzyko związane z handlem bardziej złożonymi produktami. W praktyce oznaczało to, że osoby z doświadczeniem jedynie w prostych instrumentach mogły być kwalifikowane jako gotowe do inwestowania w znacznie bardziej skomplikowane i ryzykowne produkty, takie jak kontrakty CFD – twierdzi <a href=\"https://fintek.pl/aktualnosci/knf/\">KNF</a>.</p><p>Nadzorca wskazuje też, że firma nieprawidłowo określała tzw. grupy docelowe dla swoich produktów. Choć formalnie je wyodrębniono, to w praktyce stosowano te same kryteria dla różnych instrumentów – niezależnie od ich złożoności czy poziomu ryzyka. To mogło prowadzić do sytuacji, w której niedoświadczeni klienci trafiali do grup przeznaczonych dla bardziej zaawansowanych inwestorów.</p><p>Zastrzeżenia dotyczą również tzw. listy HOT, czyli zestawienia promowanych instrumentów. Według nadzoru spółka nie informowała jasno o potencjalnym konflikcie interesów – nie było transparentne, że promowane produkty mogły generować dla firmy wyższe przychody, np. przez większe spready – podaje KNF w komunikacie.</p><p>Do tego dochodzi kwestia komunikacji z klientami. KNF uznał, że <a href=\"https://fintek.pl/xtb-zdobywa-kluczowe-licencje-w-zea-polski-fintech-przyspiesza-ekspansje/\">XTB</a> przekazywało informacje, które były niepełne lub mogły wprowadzać w błąd, zwłaszcza w kontekście ryzyka związanego z kontraktami CFD. A to właśnie te instrumenty należą do najbardziej ryzykownych na rynku – z danych nadzoru wynika, że od 70 do 80 proc. inwestorów detalicznych ponosi na nich straty.</p><p>W przesłanym PAP oświadczeniu <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">XTB</span></span> poinformowało, że decyzja <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Komisja Nadzoru Finansowego</span></span> dotyczy przede wszystkim procesu określania grup docelowych oraz onboardingu nowych klientów. Chodzi m.in. o formularz rejestracyjny stosowany przez spółkę w okresie od stycznia 2022 roku do września 2023 roku.</p>\n","post_title":"KNF ukarał XTB grzywną w wysokości 20 mln złotych","post_excerpt":"Komisja Nadzoru Finansowego nałożyła na XTB karę w wysokości 20 mln zł. 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