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
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
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.
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.
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.
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.
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
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.
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.
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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