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 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
US stock fee - Real stocks available only in a few countries. US stock fee: 0.12% of trade value with $10 minimum.
EURUSD fee Low Pro account: €3.5 /£3 /$4 per lot commission plus spread cost. 0.2 pips is the average spread cost during peak trading hours.
US tech fund fee - 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

XTB fees
XTB fees explained

Online brokerages in general charge much lower brokerage fees than traditional brokerages do - this is largely due to the fact that 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 5000 clients.

This is not to say however that they don't have any fees at all. They make money by charging you at various events for various rates. Usually you need to keep an eye on these 3 types of fees:

  • Trading fees - these are brokerage fees that you pay when you actually do a trade, i.e. buying an Apple stock or an ETF. What you pay is either a commission, a spread or financing rate. Some brokers apply all of these.
    • A commission is either based on the traded volume or it is fixed.
    • A spread is the difference between the buy price and the sell price
    • Financing rate or overnight rate is charged when you hold your leveraged positions for more than one day.
  • Non-trading fees. These occur related to some operations you make in your account, i.e. depositing money to your account, withdrawing money from it or not trading for an extended amount of time.

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

XTB fees
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 a typical 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 typical trade means 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 IG eToro
Apple benchmark fee $17.3 $31.3 $6.7
Vodafone benchmark fee $20.8 $27.6 -
EURUSD benchmark fee $8.3 $17.3 $8.8

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 IG eToro
Apple CFD financing rate 2.6% 2.6% 6.5%
Vodafone CFD financing rate 2.5% 2.5% -
EURUSD financing rate 1.7% 4.2% 1.9%
EURGBP financing rate 1.5% 3.8% 2.2%

XTB fees
XTB non-trading fees

When it comes to looking at all the non-trading fees XTB is an average broker. This means that some of the non-trading fees are high, but the others are low or not charged at all.

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 IG eToro
Withdrawal fee $0 $0 $5
Deposit fee $0 $0 $0
Inactivity fee Yes Yes Yes
Account fee No No No

XTB fees
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 IG eToro
Bank transfer Yes Yes Yes
Credit/debit card Yes Yes Yes
Electronic wallets Yes Yes Yes
Deposit fee $0 $0 $0

XTB fees
XTB withdrawal fee

Unlike the majority of the 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 IG eToro
Bank transfer Yes Yes Yes
Credit/debit card Yes Yes Yes
Electronic wallets Yes Yes Yes
Withdrawal fee with bank transfer $0 $0 $5

XTB fees
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 IG eToro
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 $12 per month after 2 years of inactivity $10 per month after one year inactivity

Read more about XTB inactivity fee on their own site.

Author of this article

Ádám Nasli

Author of this article

Ádám is a motivated finance expert with over two years of experience in banking and investment, and a professional degree in this field. He's eager to help people find the best investment provider for them, and to make the investment sector as transparent as possible.

Ádám Nasli

Broker Expert

Ádám is a motivated finance expert with over two years of experience in banking and investment, and a professional degree in this field. He's eager to help people find the best investment provider for them, and to make the investment sector as transparent as possible.

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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