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XTB fees explained

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Adam N.
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17h ago
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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
Financial Wizard | 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, 0.8 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

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76-85% 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
UK stock
US stock
German stock
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Low FX fees

XTB forex fees
EURUSD spread
0.8 1.0 0.6
GBPUSD spread
1.6 2.0 1.3
AUDUSD spread
1.5 1.0 0.6
EURCHF spread
1.8 5.0 2.3
EURGBP spread
1.3 1.5 2.0
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Low CFD fees

Spread and commission for a $2,000 CFD trade
S&P 500 index CFD fee
$1.4 $3.7 $4.0
Euro Stoxx 50 index CFD fee
$4.2 $4.4 $4.0
Apple CFD fee
$9.4 $8.5 $5.0
Vodafone CFD fee
$11.5 -
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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.

Inactivity fee
Withdrawal fee
XTB inactivity, withdrawal and other fees
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XTB fees

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).

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.

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Author of this article

Adam Nasli

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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