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XTB fees explained

Your expert
Adam N.
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Updated
3w ago
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Overview of XTB fees and charges as of February 2024

It's safe to say that XTB's fees are low in general. They either don't charge a brokerage fee for things other brokers do charge for, or they only charge a small amount. This means that you can use XTB even in case you trade frequently like multiple times a week or daily.

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

XTB Fees snapshot
Assets Fee level Fee terms
S&P 500 CFD Low The fees are built into the spread, 0.6 points is the average spread cost during peak trading hours.
Europe 50 CFD Low The fees are built into the spread, 2.4 points is the average spread cost during peak trading hours.
EURUSD Low The fees are built into the spread, 1 pip is the average spread cost during peak trading hours.
Inactivity fee Low €10 per month after 1 year of trading inactivity and if no deposit was made in the last 90 days

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

XTB fees explained

We compare XTB fees with its closest competitors, eToro and Capital.com.

XTB trading fees

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

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

Trading fees

XTB's trading fees are low.

It is super hard to compare trading fees for CFD brokers. What we did at BrokerChooser? Instead of quoting long fee tables, we compare brokers by calculating all fees of an example trade for three assets.

For the assets we chose cleverly and arbitrarily:

  • Apple, a large US stock
  • Vodafone, a large European stock
  • EURUSD, a popular currency pair

The example in this context would mean buying a position, holding for one week, and selling it. For the volume we chose a $2,000 position for the stocks and $20,000 for the EURUSD.

This super catch-all benchmark includes spreads, commissions and financing costs for all brokers.

Here is the verdict.

XTB fees benchmarked
XTB
Apple benchmark fee
$8.9 $8.5 $5.0
Vodafone benchmark fee
$11.5 -
$3.9
EURUSD benchmark fee
$11.4 $11.4 $12.3

Data updated on February 26, 2024

Financing rates

XTB financing rates are low.

If you want to trade on margin and prefer to hold your positions long, financing costs can be significant.

XTB yearly financing rates
XTB
Apple CFD financing rate
9.5%
11.9%
9.6%
Vodafone CFD financing rate
9.8%
-
9.6%
EURUSD financing rate
2.5%
2.5%
2.9%
EURGBP financing rate
2.2%
3.1%
2.7%

Data updated on February 26, 2024

Leverage is a double-edged sword and can dramatically amplify your profits. It can also just as dramatically amplify your losses. Trading foreign exchange/CFDs with any level of leverage may not be suitable for all investors.

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.

XTB non-trading fees

When it comes to looking at all the non-trading fees XTB is a cheap broker. This means that they don't charge you a lot for non-trading related activities on your trading account, like withdrawal fee.

Non-trading fees include various brokerage fees and charges at XTB that you pay not related to buying and selling assets. Among some others, typical non trading fees are withdrawal fee, deposit fee, inactivity fee and account fee.

A high level overview of how XTB stacks up in 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

XTB deposit fee

Deposit fees are applied when you send money to your trading account from your bank account. Usually brokers don't charge money for that and XTB is not different: you will see the exact same amount on your brokerage account that you sent by any of the deposit methods XTB offers.

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

XTB withdrawal fee

Unlike some online brokers we have reviewed XTB does not charge a withdrawal fee. This means that you'll see the same amount of money on your bank account that you transferred from your brokerage account.

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 with bank transfer
$0
$5
$0

Data updated on February 26, 2024

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. This means that you need to be strategic about your trading activity to avoid getting charged after a longer time of no trade. The fact that XTB charges an inactivity fee makes it less ideal for you if you are a buy and hold investor.

XTB has low inactivity fee.

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

Read more about XTB inactivity fee on their own site.

Risk disclaimer

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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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