Is XTB free?

XTB does charge a commission for real stock trading on US markets, so in this sense it is not a free-to-trade broker. However, it might still be a reasonable choice for some of you, as there are many other aspects other than commissions that are important when you choose a broker. If you wish to stick with XTB though, then you will find the fees they charge below. Alternatively, you could check our article detailing the best zero commission brokers and how their apps scored in our test.

We should note that the payment-for-order-flow model, which is used by some zero-commission brokers to generate income (rather than relying on commissions), could potentially create a conflict of interest between you and your broker. This could result in trade execution (like routing your orders to specific market makers) that might be unfavorable for you under certain market conditions, especially when using market orders (as opposed to limit orders, which seem to be less affected).

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XTB fees
Overview of XTB fees and charges

It's safe to say that XTB's fees are low in general. They either don't charge a brokerage fee for things that other brokers do, or they only charge a small amount.

Here's a high-level overview of XTB's fees

XTB Fees snapshot
Assets Fee level Fee terms
US stock fee - Real stocks available only in a few countries. US stock fee: 0.12% of trade value with $10 minimum.
EURUSD fee Low Pro account: €3.5 /£3 /$4 per lot commission plus spread cost. 0.2 pips is the average spread cost during peak trading hours.
US mutual fund fees - Not available
Inactivity fee Low €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days

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XTB fees
XTB fees explained

Online brokerages in general charge much lower brokerage fees than traditional brokerages do - this is largely because online brokerages' businesses can be much better scaled: from a purely technical standpoint, it doesn't make that much of a difference for them if they have 100 or 5,000 clients.

This is not to say, however, that they don't charge any fees at all. They make money by charging you various rates for various actions or events. Usually you need to keep an eye on the following three types of fees:

  • Trading fees - these are brokerage fees that you pay when you actually carry out a trade, like buying an Apple share or an ETF. What you pay is either a commission, a spread or a financing rate. Some brokers apply all of these.
    • A commission is either fixed or based on the traded volume.
    • A spread is the difference between the buy price and the sell price.
    • A financing rate or overnight rate is charged when you hold your leveraged positions for more than one day.
  • Non-trading fees. These are usually related to some operations you carry out in your account, such as depositing money, withdrawing money, or not trading for an extended period.

We compare XTB fees with its closest competitors, eToro and Trading 212.

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XTB fees
XTB trading fees

XTB's trading fees are low, which makes it suitable for you even if you trade often (i.e. several times a week).

Let's break down trading fees according to the different asset classes available at XTB.

Trading fees

XTB's trading fees are low.

Stock fees and ETF fees

XTB has stock trading fees.

Stock fees of a $2,000 trade
XTB eToro Trading 212
US stock $10.0 $0.0 $0.0
UK stock $12.0 $0.0 $0.0
German stock $12.0 $0.0 $0.0

Forex fees

XTB's forex fees are low.

Forex fees of a $20,000 30:1 position (open, 1-week-hold and close)
XTB eToro Trading 212
EURUSD benchmark fee $8.5 $8.7 $26.4
EURGBP benchmark fee $8.3 $12.9 $25.0

CFD fees

XTB has low CFD trading fees.

CFD fees and commissions on a $2,000 trade
XTB eToro Trading 212
Apple CFD $8.2 $2.1 $1.5
Vodafone CFD $9.9 - $2.0
Germany $9.1 $1.8 -

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XTB fees
XTB non-trading fees

Some of XTB's non-trading fees are average.

Non-trading fees include various brokerage fees and charges at XTB that are not related to buying or selling assets. This can be a withdrawal fee, deposit fee, inactivity fee or account fee.

A high-level overview of how XTB stacks up in terms of non-trading fees
XTB eToro Trading 212
Withdrawal fee $0 $5 $0
Deposit fee $0 $0 $0
Inactivity fee Yes Yes No
Account fee No No No

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XTB fees
XTB deposit fee

Usually, brokers don't charge anything for deposits, and XTB is no different.

XTB deposit methods
XTB eToro Trading 212
Bank transfer Yes Yes Yes
Credit/debit card Yes Yes Yes
Electronic wallets Yes Yes Yes
Deposit fee $0 $0 $0

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XTB fees
XTB withdrawal fee

XTB generally doesn't charge a withdrawal fee.

XTB withdrawal fees and options compared
XTB eToro Trading 212
Bank transfer Yes Yes Yes
Credit/debit card Yes Yes Yes
Electronic wallets Yes Yes Yes
Withdrawal fee for bank transfer $0 $5 $0

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XTB fees
XTB inactivity fee

XTB does apply an inactivity fee and it is €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days. Keep this in mind to avoid getting charged after a longer idle period. The fact that XTB charges an inactivity fee makes it less ideal for you if you are a buy-and-hold investor.

The inactivity fee charged by XTB is low.

XTB eToro Trading 212
Inactivity fee Yes Yes No
Inactivity fee €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days $10 per month after one year inactivity No inactivity fee

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Author of this article

Ádám Nasli

Author of this article

Ádám is a motivated finance expert with over two years of experience in banking and investment, and a professional degree in this field. He's eager to help people find the best investment provider for them, and to make the investment sector as transparent as possible.

Ádám Nasli

Broker Expert

Ádám is a motivated finance expert with over two years of experience in banking and investment, and a professional degree in this field. He's eager to help people find the best investment provider for them, and to make the investment sector as transparent as possible.

Everything you find on BrokerChooser is based on reliable data and unbiased information. We combine our 10+ years finance experience with readers feedback. Read more about our methodology

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