XTB fees explained
XTB charges Free ≤€100,000/mo · then 0.2% · min £10 on US stocks and 0.5% for currency conversion.
A typical $10,000 portfolio with 12 trades a year costs about $50/year in unconditional fees.
Verified 2026-06-30 against the broker's official pricing page.
What XTB charges, fee by fee
Only verified numbers — each with its source and verification date
What you'll actually pay
Estimated all-in annual cost on a $10,000 portfolio with 24 stock trades and one $10k FX conversion. Inactivity and custody not included unless you trigger them.
Heads-up: inactivity fee
Charged only after 12 months with zero trades — excluded from figures below.
- Stock commissions
- Free
- FX markup
- $5.00
- Custody
- Free
- Stock commissions
- Free
- FX markup
- $50.00
- Custody
- Free
- Stock commissions
- Free
- FX markup
- $500.00
- Custody
- Free
Interest on uninvested cash
What the broker pays on money sitting in your account between trades. Rates are variable and verified against the broker's own page.
AER, auto-enabled on the standard investment account, no min/max balance. Variable — can change weekly (rates effective from 29.06.2026).
Verified 2026-07-01 · broker source →
Fine print that changes the math
- Commission-free only up to €100,000 of monthly volume — above it, 0.2% applies.
- XTB UK FCA entity. Free for monthly turnover ≤ €100k, then 0.2% with £10 minimum. Currency conversion 0.5%.
- Inactivity fee of 10/month starts after 12 months without trades — dormancy conditions apply.
- AER, auto-enabled on the standard investment account, no min/max balance. Variable — can change weekly (rates effective from 29.06.2026).
Frequently asked questions
How much does XTB charge per trade?
Does XTB have hidden fees?
What is XTB's currency conversion fee?
Does XTB charge an inactivity fee?
How we verified this review
Every fact below is verified against primary sources. We refresh on a schedule and on reader feedback.