Is XTB free?

XTB is in fact a zero-commission broker when it comes to buying and selling stocks. Zero commission is especially useful if you trade relatively low volumes, like buying stocks for less than $500 per trade, because you won't be hit with any minimum fees the broker might charge.

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).

Keep in mind that at some brokers, you could incur non-trading charges like withdrawal or inactivity fees. Also, if you trade on margin, the margin rate charged by brokers can differ wildly. In the next chapter, we'll find out what these charges are at XTB and how they compare with fees charged by its closest competitors.

If you want to read our full review, including fees, deposit options and other platforms (like web and desktop) then skip to the XTB review.

Disclaimer: 76-83% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.

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76-83% of retail CFD accounts lose money

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

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76-83% of retail CFD accounts lose money

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 Capital.com.

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76-83% of retail CFD accounts lose money

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 low stock trading fees.

Data updated on September 23, 2024

Forex fees

XTB's forex fees are low.

Data updated on September 23, 2024

CFD fees

XTB has low CFD trading fees.

Data updated on September 23, 2024

Currency conversion fee

XTB will charge a Currency Conversion Fee for all trades on instruments denominated in a currency different to the currency of your account. The fee is charged as the following: 0.5% charge.

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76-83% of retail CFD accounts lose money

When it comes to non-trading fees, XTB is a rather cheap broker.

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.

Data updated on September 23, 2024

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76-83% of retail CFD accounts lose money

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

Data updated on September 23, 2024

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76-83% of retail CFD accounts lose money

XTB generally doesn't charge a withdrawal fee.

Data updated on September 23, 2024

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76-83% of retail CFD accounts lose money

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.

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76-83% of retail CFD accounts lose money

Disclaimer: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 76-83% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.