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Is XTB free?

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Adam N.
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Is XTB free as of February 2024?

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: 81% 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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81% of retail CFD accounts lose money

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81% of retail CFD accounts lose money

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 Low US stock fee: 0% up to monthly €100,000, and 0.2% with a minimum of €10 after
EURUSD fee Low The fees are built into the spread, 1 pip 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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81% of retail CFD accounts lose money

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 Capital.com.

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81% of retail CFD accounts lose money

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 low stock trading fees.

Stock fees of a $2,000 trade
XTB
US stock
$0.0
$0.0
-
UK stock
$0.0
$0.0
-
German stock
$0.0
$0.0
-

Data updated on February 26, 2024

Forex fees

XTB's forex fees are low.

Forex fees of a $20,000 30:1 position (open, 1-week-hold and close)
XTB
EURUSD benchmark fee
$11.4 $11.4 $12.3
EURGBP benchmark fee
$12.1 $15.2 $15.1

Data updated on February 26, 2024

CFD fees

XTB has low CFD trading fees.

CFD fees and commissions on a $2,000 trade
XTB
Apple CFD
$2.6
$2.0
$0.6
Vodafone CFD
$3.9
-
$0.1
Germany
$9.1
$1.8
-

Data updated on February 26, 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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81% of retail CFD accounts lose money

XTB non-trading fees

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.

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

Data updated on February 26, 2024

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81% of retail CFD accounts lose money

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4.8 4.8 /5
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81% of retail CFD accounts lose money

XTB deposit fee

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

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

Data updated on February 26, 2024

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81% of retail CFD accounts lose money

XTB withdrawal fee

XTB generally doesn't charge a withdrawal fee.

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

Data updated on February 26, 2024

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81% of retail CFD accounts lose money

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
Inactivity fee
Yes
Yes
Yes
Inactivity fee
€10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days $10 per month after one year inactivity. eToro defines inactivity as not logging into your account. For clients contracting with Cyprus (CCSV) or Bahamas (SCB): €/£/$ 10 per month or EUR equivalent of any other currency after 1 year of inactivity

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81% of retail CFD accounts lose money

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Author of this article

Adam Nasli

Financial Wizard | Trading • Safety • Market Analysis

I bring extensive financial expertise as one of BrokerChooser's earliest team members. Personally, I tested nearly all 100+ brokers on our site, opening real-money accounts, executing trades, assessing customer services, and providing firsthand assessment. My professional background includes roles in the banking sector and a degree from Central European University, where I teach finance. My passions lies in in-depth research of the financial industry, building trading algorithms, and managing long-term investments.

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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