XTB fees explained

Personally tested

Data-driven

Independent

Overview of XTB fees and charges

When trading or investing at an online broker, fees can have a big impact on your results, so it's good to know what kind of charges you'll be facing and how these compare to fees at other brokers.

If fees are your top concern, XTB is a good choice, as it has low fees in general. Check our toplist for cheaper brokers.

I found XTB's trading fees fairly low

Adam Nasli

Regulation • Fighting Scams • Market Analysis

I've personally tested dozens of global brokers, carefully looking at their fees not just on their website but also in the course of live trading. Here's how XTB fared:

XTB charges low fees for trading stocks and ETFs.
There is an inactivity fee if you don't trade for an extended period of time.
The basic withdrawal fee is $0, but some transactions may cost more.
Read our full review of XTB for info on safety, trading platforms and funding.

XTB fees at a glance
Assets	Fee level	Fee terms
S&P 500 CFD	Low	The fees are built into the spread, 0.5 points is the average spread cost during peak trading hours.
Europe 50 CFD	Low	The fees are built into the spread, 2.2 points is the average spread cost during peak trading hours.
EURUSD	Low	The fees are built into the spread, 0.6 pips 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

Visit broker
76% of retail CFD accounts lose money

It's also great that XTB provides commission-free trading for many European customers.

Commission-free stock and ETF trading

XTB provides real stocks and ETFs only for UK and EU customers (EU customers who are onboarded under XTB's Polish entity).

There is no commission for stocks and ETFs if you trade less than €100,000 in a month. While favorable, this is still not the best offer on the market, as some competitors such as eToro or Capital.com offer commission-free trading without any limitations.

XTB stock and ETF fees by market
	XTB XTB	eToro eToro	Capital.com Capital.com
UK stock 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
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
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

Low FX fees

XTB forex fees
	XTB XTB	eToro eToro	Capital.com Capital.com
EURUSD spread Usual spread in pips	0.6	1.0	0.6
GBPUSD spread	1.4	2.3	1.3
AUDUSD spread	1.3	1.0	0.6
EURCHF spread	1.6	5.0	2.3
EURGBP spread Usual spread in pips	1.3	1.5	2.0

Low CFD fees

Spread and commission for a $2,000 CFD trade
	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	$3.8	$3.6
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	$2.9	$4.2	$3.6
Apple CFD fee Includes all fees (spread, commission, financing rate) of a $2,000, 20:1 position: open, hold for 1 week, and close	$8.1	$10.4	$4.4
Vodafone CFD fee Includes all fees (spread, commission, financing rate) of a $2,000 20:1 position open, 1-week-hold, and close	$11.3	- Vodafone stock CFD is not available	$3.6

The fees are built into the spread in the case of stock index CFDs. Stock and ETF CFD fees are charged as a volume-based fee, but a minimum fee applies.

XTB stock and ETF CFD fees
Market	Volume-based fee	Minimum fee
US	0.08%	$8
UK domestic, Germany, Portugal, Spain, France, Switzerland, Netherlands, Belgium, Denmark, Finland, Norway, Sweden	0.08%	€8
UK international	0.08%	$10
Czech Republic	0.25%	CZK 300
Italy*	0.08%	€8 + 0.07% of trade value

*There is also an additional fixed fee charged per transaction. The fee is between €0.25 and €200 depending on the trade value. For example, it's €0.25 for trade value of up to €2,500.
Other relevant fees you should take into account:

XTB deducts the standard 30% withholding tax from dividends coming from US corporations. Even if you reside in a country that has a double taxation treaty agreement with the US, you're not eligible for a reduced tax deduction rate (generally 15% if you trade at XTB).
A currency conversion fee is charged if you trade an asset in a currency other than your account base currency. For example, if you trade Vodafone CFDs but have a USD account, then the funds will be converted using XTB's GBPUSD exchange rate.

Low inactivity fee, no withdrawal fee

There is no account fee, no deposit fee for bank transfer deposits, and no withdrawal fee for bank transfer withdrawals above a certain threshold (between $50-$200 depending on your country of residence).

The fee charged for credit/debit card or electronic wallet deposits depends on your country of residence. The fee charged for these transfers is usually up to 2%. For example, for UK customers, credit/debit card transfers are free of charge but USD transfers via electronic wallets carry a 2% fee.

Lastly, there is a €10 monthly fee after one year of inactivity.

XTB inactivity, withdrawal and other fees
Broker	Inactivity fee	Withdrawal fee
XTB		$0
eToro		$5
Capital.com		$0

Interest on uninvested funds

XTB clients can earn interest on their uninvested cash balances, with no minimum requirement or maximum limit.

Interest is paid on GBP, EUR and USD, regardless of the client's amount of assets under management (AUM).

If you are an XTB client, you don't need to sign up or do anything, the broker will automatically pay interest on the uninvested cash in your account.

At the time of writing, XTB paid the following interest rates: 4.8% on GBP, 1.8% on EUR and 2.0% on USD.

The interest rate is calculated daily and paid out monthly within five days of the following month.

Check out this short video for a behind-the-scenes peek into how our experts personally test and evaluate brokers.

Got questions?

Engage with our growing community of traders and investors like you to find your answers.

Join now

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.