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 October 10, 2026 against the broker's official pricing page.
What XTB charges, fee by fee
Only verified numbers — each with its source and verification date
Whose prices these areThe commissions on this page are those of XTB S.A., regulated by KNF (KRS 0000217580). This is the Polish company behind XTB in the EU; its price list is the source of the figures above, and the fee table dated 20.10.2026, in force from 27.10.2026, keeps them unchanged. XTB Limited (UK, FCA 522157) has its own price list: min £10. Verified October 21, 2026 against the broker's official pricing page.
Verified August 21, 2026 against the broker's official pricing page.
What you'll actually pay
Estimated yearly cost in three scenarios. Only verified fees are counted. Each trade moves a twelfth of the portfolio; per-share commissions assume a $50 share; currency conversion is counted once, on the whole portfolio. An inactivity fee is shown separately and applies only if its condition is met.
Heads-up: inactivity fee
Charged only when both hold: no position opened or closed in the last 365 days and no deposit in the last 90 days. Not charged while any of your accounts holds an open position. Converted into the account currency; with less on the account, the remaining balance is taken. Not included in the totals 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 05.10.2026).
Verified October 10, 2026 · broker source →
Fine print that changes the math
- Commission-free only up to €100,000 of monthly volume — above it, 0.2% applies.
- XTB S.A., the Polish company supervised by the KNF. Free up to €100k of monthly turnover, then 0.2% with a 10 EUR minimum. Currency conversion 0.5%. No custody fee up to €250k held; above that, 0.02% a year on the excess.
- Inactivity fee of €10 per month — only under the dormancy conditions in the fee card above.
- AER, auto-enabled on the standard investment account, no min/max balance. Variable — can change weekly (rates effective from 05.10.2026).
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.