XTB commission and other fees

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Overview of XTB fees and charges

We know that fees are on top of people's mind when selecting a broker. Brokerage fees consist of trading and non-trading fees. The most important trading fees are commission, spread, and financing rate.

Commission: it's charged when you execute a trade (either buy or sell). Commissions can be volume-tiered or flat fees. Nowadays, there are many commission-free brokers, click on the following links to check out the best free stockbrokers in the US and the EU.
Spread: it denotes the difference between the bid and ask price. When you trade forex or CFDs, spreads can make up a significant part of your trading costs.
Financing rate/overnight costs: if you trade on leverage, you may be charged for holding your positions overnight. This cost can be expressed as a percentage or in swap points.
Non-trading fees: these occur when you deposit and withdraw funds, or if you don't use your account for a certain period.

As XTB focuses on CFD and forex trading, the most important cost elements are spreads and financing rates (overnight fees), commissions less so.

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.

Now, let's dive into the details and see what commissions, spreads, and financing rates XTB charges.

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76-83% of retail CFD accounts lose money

XTB

4.8/5

Minimum deposit

Stock fee

Low

Index CFD fee

Low

Withdrawal fee

Account opening

1 day

Visit XTB

76-83% of retail CFD accounts lose money

XTB commission and other trading fees

The good news is that XTB has low trading fees in general. We ranked the fees of XTB as low, average, or high based on how they compare with all reviewed brokers.

Check out this table to get an overview of whether XTB commissions, spreads, and financing rates for each asset class are low/average/high.

Classification of XTB trading fees
	XTB XTB	eToro eToro	Capital.com Capital.com
Stock and ETF	Low	Low	-
Forex	Low	Low	Low
CFD	Low	Average	Low
Financing rate	Low	Average	Average

Now let's go over the trading fees for each asset class one by one.

XTB stock and ETF commissions, spreads

XTB stock and ETF commissions are low. XTB stock and ETF commissions are charged as per the table below.

XTB stock and ETF commission
	XTB XTB
US stock Estimated commission of a $2,000 trade, assuming a $50 stock price	US stock fee: 0% up to monthly €100,000, and 0.2% with a minimum of €10 after
UK stock fee Estimated commission of a $2,000 trade, assuming a $50 stock price	0% up to monthly €100,000, and 0.2% with a minimum of €10 after
German stock Estimated commission of a $2,000 trade	0% up to monthly €100,000, and 0.2% with a minimum of €10 after
Indian stock	Not available

You can compare XTB stock and ETF fees with the two closest competitors.

XTB stock and ETF commission, spreads vs competitors
	XTB XTB	eToro eToro	Capital.com Capital.com
US stock Estimated commission of a $2,000 trade, assuming a $50 stock price	$0.0 US stock fee: 0% up to monthly €100,000, and 0.2% with a minimum of €10 after	$0.0 Free stock and ETF trading, except for clients in Australia, Denmark, Finland, the Netherlands, Norway, Spain, and Sweden, where a $1-2 commission per trade applies for stocks	- Not available
UK stock fee Estimated commission of a $2,000 trade, assuming a $50 stock price	$0.0 0% up to monthly €100,000, and 0.2% with a minimum of €10 after	$0.0 Free stock and ETF trading, except for clients in Australia, Denmark, Finland, the Netherlands, Norway, Spain, and Sweden, where a $1-2 commission per trade applies for stocks	- Not available
German stock Estimated commission of a $2,000 trade	$0.0 0% up to monthly €100,000, and 0.2% with a minimum of €10 after	$0.0 Free stock and ETF trading, except for clients in Australia, Denmark, Finland, the Netherlands, Norway, Spain, and Sweden, where a $1-2 commission per trade applies for stocks	- Not available
Indian stock	- Not available	- Not available	- Not available

Stock and ETF commissions are calculated for a $2,000 trade

XTB forex commissions and spreads

XTB forex fees are low. XTB forex commissions and spreads for individual currency pairs are charged as per the table below.

XTB forex commissions and spreads
	XTB XTB
EURUSD fee description	The fees are built into the spread, 0.8 pips is the average spread cost during peak trading hours.
GBPUSD fee description	The fees are built into the spread, 1.6 pips is the average spread cost during peak trading hours.

Check out how XTB forex fees compare to its two closest competitors.

XTB forex fees vs competitors
	XTB XTB	eToro eToro	Capital.com Capital.com
EURUSD benchmark fee Includes all fees (spread, commission, financing rate) of a $20,000 30:1 position open, 1-week-hold, and close	$11.0	$11.4	$12.3 Capital.com offers forex trading only through CFDs
GBPUSD benchmark fee Includes all fees (spread, commission, financing rate) of a $20,000 30:1 position open, 1-week-hold, and close	$7.3	$7.9	$8.5 Capital.com offers forex trading only through CFDs
AUDUSD benchmark fee Includes all fees (spread, commission, financing rate) of a $20,000 30:1 position open, 1-week-hold, and close	$13.7	$12.1	$12.2 Capital.com offers forex trading only through CFDs
EURCHF benchmark fee	$0.0	$6.0	$1.8 Capital.com offers forex trading only through CFDs
EURGBP benchmark fee Includes all fees (spread, commission, financing rate) of a $20,000 30:1 position open, 1-week-hold, and close	$11.6	$15.2	$15.1 Capital.com offers forex trading only through CFDs

Forex fees are calculated for a $20,000 trade using 30:1 leverage

XTB CFD commissions and spreads

XTB CFD fees are low. XTB CFD commissions and spreads for different assets are charged as per the table below.

XTB CFD commissions and spreads
	XTB XTB
S&P 500 CFD fee	The fees are built into the spread, 0.5 points is the average spread cost during peak trading hours.
Europe 50 CFD fee	The fees are built into the spread, 2.2 points is the average spread cost during peak trading hours.
Apple CFD Commission for a $2,000 stock CFD trade	Fees are built into the spread, but no commission is charged
Vodafone CFD Commission for a $2,000 stock CFD trade	Fees are built into the spread, but no commission is charged

Below you can see how XTB CFD fees compare with those of eToro and Capital.com.

XTB CFD fees vs competitors
	XTB XTB	eToro eToro	Capital.com Capital.com
S&P 500 index CFD fee Includes all fees (spread, commission, financing rate) of a $2,000 20:1 position open, 1-week-hold, and close	$1.4	$3.7	$4.0
Euro Stoxx 50 index CFD fee Includes all fees (spread, commission, financing rate) of a $2,000, 20:1 position: open, hold for 1 week, and close	$4.2	$4.4	$4.0
Apple CFD Commission for a $2,000 stock CFD trade	$2.9 Fees are built into the spread, but no commission is charged	$2.0 0.15% spread per side	$0.6 The fees are built into the spread, 0.12 is the average spread cost during peak trading hours (tested on Oct 05, 2023).
Vodafone CFD Commission for a $2,000 stock CFD trade	$3.9 Fees are built into the spread, but no commission is charged	- Vodafone CFD is available only through NASDAQ and not LSE	$0.1 The fees are built into the spread, 0.05 is the average spread cost during peak trading hours (tested as of Oct 05, 2023).

CFD fees are calculated for a $2,000 trade using 20:1 leverage for stock index CFDs, and 5:1 leverage for stock CFDs

XTB financing rates

XTB financing rates are low. They make up a significant part of your trading costs if you hold your position for a long time.

Check out how XTB financing rates compare with those of eToro and Capital.com.

XTB financing rates vs competitors
	XTB XTB	eToro eToro	Capital.com Capital.com
EURUSD financing rate Yearly financing rate	2.5% Calculated as swap points	2.5% Calculated as daily swap costs in USD	2.9% Calculated as daily overnight rates, charged only for leverage part
GBPUSD financing rate	1.2% Calculated as swap points	1.2% Calculated as daily swap costs in USD	1.7% Calculated as daily overnight rates, charged only for leverage part
S&P 500 CFD financing rate	3.1% Calculated as swap points	8.7% Calculated as daily swap costs in USD	9.6% Calculated as daily overnight rates, charged only for leverage part
Euro Stoxx 50 CFD financing rate	8.5% Calculated as swap points	7.9% Calculated as daily swap costs in USD	8.1% Calculated as daily overnight rates, charged only for leverage part
Apple CFD financing rate Yearly financing rate	9.5% Calculated as yearly percentage	11.9% 1-month USD LIBOR and mark-up	9.6% Calculated as daily overnight rates, charged only for leverage part
Vodafone CFD financing rate Yearly financing rate	9.8% Calculated as yearly percentage	- Vodafone CFD is not available	9.6% Calculated as daily overnight rates, charged only for leverage part

XTB non-trading fees

In addition to trading fees, it's important to see if XTB charges a fee on deposits, withdrawals, account maintenance, and inactivity. We compared these fees levied by XTB with its two closest competitors.

XTB non-trading fees vs competitors
	XTB XTB	eToro eToro	Capital.com Capital.com
Deposit fee	$0 No deposit fee for bank transfer, but credit/debit card or electronic wallets might carry a fee (1-2% usually) depending on your country of residence	$0 Free deposit	$0 Free deposit
Withdrawal fee Fee for withdrawing money from the broker account. It is zero if you can withdraw money for free via any method, e.g. credit/debit card or bank transfer.	$0 Free for withdrawals above $50-$200, depending on your country of residence	$5 $5 withdrawal fee - eToro Money users can avoid this fee.	$0 Free withdrawal
Account fee Monthly account fee	No No account fee	No No account fee	No No account fee
Inactivity fee Fee applied if a customer does not trade for a certain length of time	Yes €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days	Yes $10 per month after one year inactivity. eToro defines inactivity as not logging into your account.	Yes For clients contracting with Cyprus (CCSV) or Bahamas (SCB): €/£/$ 10 per month or EUR equivalent of any other currency after 1 year of inactivity

CFD fees are calculated for a $2,000 trade using 20:1 leverage for stock index CFDs, and 5:1 leverage for stock CFDs

Bottom line

Hopefully, by now you have a clear picture of the commissions, spreads, financing rates, and non-trading fees charged by XTB and its closest competitors. To learn more about XTB, check out this detailed review. If you would like more information about fees in general, read this article about brokerage fees.

If you're not sure which broker to choose, get a personal recommendation from our broker recommendation algorithm or compare brokers with our broker comparison table.

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