If you’re wondering whether is XTB expensive or cheap, the short answer is that XTB remains one of the more cost-effective brokers for most retail traders in 2026. Investors can buy real stocks and ETFs with 0% commission on monthly turnover up to $108,000 (≈ €100,000), while forex and CFD traders primarily pay through spreads rather than separate trading commissions.
Beyond pricing, XTB is regulated by multiple financial authorities, including the FCA, CySEC, DFSA, KNF, FSC, FSCA, and BaFin. However, XTB is not entirely free. Costs such as currency conversion fees, overnight funding charges, and inactivity fees can affect your overall trading costs, especially if you trade CFDs or hold positions for longer periods.
Quick overview of XTB fees
XTB’s pricing is officially listed in €. To make the figures easier to understand, we’ve used approximate $ values throughout this article.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
XTB spreads explained
A spread is the difference between the buy price and the sell price of an instrument. For most forex and CFD traders, the XTB spread fees represent the primary trading cost.
Unlike some brokers that charge a fixed commission per trade, XTB uses a spread-based pricing model. This means you won’t usually see a separate commission fee when trading forex CFDs. According to XTB, spreads are floating and can widen or tighten depending on liquidity, volatility and market conditions.
Examples of recent floating spreads available on XTB include:
| Instrument | Example spread |
|---|---|
| EUR/USD | Around 0.9 pips |
| GBP/USD | Around 1.3 pips |
| USD/CHF | Around 1.4 pips |
| USD/CAD | Around 1.5 pips |
From our experience evaluating regulated brokers, traders often compare commission rates first, but spreads can be just as important. Over time, even small differences in spreads may significantly affect the cost of active trading strategies.
Does XTB charge commission?
One of the most common questions traders ask is: Does XTB charge commission? The answer depends on the asset class.
Stocks and ETFs
XTB offers 0% commission investing on stocks and ETFs for monthly turnover up to $108,000 (≈ €100,000). Once your monthly turnover exceeds $108,000, a commission of 0.2% applies with a minimum charge of $11 (≈ €10).
Real cost example
Let’s look at a practical example.
Scenario 1: Smaller investor
Monthly stock purchases: $5,400
Commission charged: $0
Scenario 2: Larger investor
Monthly stock purchases: $140,400
First $108,000 (≈ €100,000): $0 commission
Remaining $32,400: charged at 0.2%
Total commission: $64.80
This structure makes XTB particularly attractive for most retail investors, as many traders never reach the $108,000 monthly threshold.
Forex and CFDs
XTB’s standard account generally uses spread-based pricing. Instead of charging a separate forex commission, trading costs are incorporated into the spread. This makes XTB relatively beginner-friendly compared to raw-spread brokers.
XTB overnight funding costs
If you keep leveraged CFD positions open overnight, you may pay or receive swap fees.
Swap costs depend on:
- Instrument traded
- Position size
- Market interest rates
- Long or short direction
Does XTB have an overnight fee?
Yes, most leveraged CFD positions are subject to overnight financing costs when held past the daily rollover period. Day traders who close positions before rollover generally avoid these charges.
How to avoid overnight fees
If reducing XTB overnight fees is important to you:
- Close positions before rollover
- Focus on shorter-term trading strategies
- Use instruments with lower financing costs
- Consider available swap-free products where eligible
Swap-free trading costs at XTB
XTB offers swap-free accounts on selected instruments and conditions.
However:
- Not all instruments qualify
- Conditions vary by region
- Alternative costs may still apply
Always check instrument specifications before trading long-term positions.
Inactivity & other hidden charges
Many traders focus on spreads and commissions but ignore the hidden costs that can affect returns.
XTB inactivity fee
XTB charges an inactivity fee of $11 (≈ €10) per month if both conditions are met:
- No position has been opened or closed for 365 days.
- No deposit has been made within the previous 90 days.
The fee automatically stops once trading activity resumes.
Currency conversion fee
One of the most overlooked XTB fees is the currency conversion charge.
If your account currency differs from the currency of the instrument being traded, XTB applies a 0.5% conversion fee. This fee can have a noticeable impact on frequent investors buying foreign stocks and ETFs.
Transaction currency conversion
XTB applies currency conversion adjustments when:
- Opening and closing certain positions
- Settling corporate actions
- Trading instruments denominated in a different currency
For active international investors, these costs may exceed trading commissions over time.
Non-trading costs (Inactivity, withdrawal, conversion)
Non-trading fees can be just as important as trading costs.
XTB minimum deposit
XTB does not require a minimum deposit. Technically, you can open an account with $0. However, opening an account and actively trading are different things.
Many beginners start with approximately $50 to $100 to gain experience, while larger balances provide more flexibility for position sizing and risk management. Never deposit more than you can afford to lose.
Deposit fees
Most deposit methods are free.
However:
- Skrill deposits: 2%
- Neteller deposits: 1%
Bank transfers may also involve fees imposed by your bank.
XTB withdrawal fee
- XTB does not charge any withdrawal fee
- You can withdraw any amount (no minimum limit)
- There is no withdrawal commission from XTB
- Only your bank or intermediary bank may charge fees (especially SWIFT transfers)
- Fees depend on your bank, not XTB
XTB bank transfer time
Bank transfers typically take:
- Deposits: 3 to 7 business days
- Withdrawals: Usually processed within 1 business day
Actual arrival times depend on banking networks and intermediary institutions.
XTB fees vs other brokers
The table below compares XTB with several popular alternatives.
| Feature | XTB | eToro | Trading 212 |
|---|---|---|---|
| XTB stock commission | 0% up to $108,000 (≈ €100,000)/month | Varies by market | $0 |
| ETF commission | 0% up to $108,000 (≈ €100,000)/month | $0 | $0 |
| Currency conversion | 0.5% | Variable | 0.15% |
| Deposit fee | Free | Free | Free |
| Withdrawal fee | Free, but bank charges may apply | Varies by account | Free |
| Inactivity fee | $11/month after qualifying inactivity | None | None |
| Minimum deposit | $0 | Varies by region | $1 |
Conclusion
XTB offers strong value for most traders and investors thanks to its 0% commission stock and ETFs up to $108,000 (≈ €100,000) in monthly turnover, competitive spreads, and no account maintenance fees. The broker also has no minimum deposit requirement and provides free withdrawals. These features have helped XTB become a popular choice among retail traders, and you can learn more about its overall trading experience in our XTB broker review 2026.
The main costs to be aware of are currency conversion fees, overnight swap charges, and inactivity fees if you leave your account unused for a long period. Overall, XTB provides transparent pricing and is well-regulated, making it suitable for both beginners and active traders in 2026. It scores a TC Validated rating of 8.02/10, reflecting its strong value and reliability.
Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford the high risk of losing your money.
Pro Tip
When evaluating broker fees, focus on your trading style. Active traders are often more affected by spreads and overnight charges, while long-term investors may benefit most from low commission structures.
Frequently Asked Questions
1. What is the commission fee for XTB?
XTB offers 0% commission on stocks and ETFs up to $108,000 (≈ €100,000) in monthly turnover. Above that threshold, a 0.2% commission applies with a minimum charge of $11 (≈ €10).
2. What are the fees for using XTB?
The main XTB fees include spreads, currency conversion charges, overnight swap fees, and inactivity fees in certain situations. Most deposits and withdrawals are free.
3. Is it easy to withdraw money from XTB?
Yes, XTB allows withdrawals through approved methods, and most withdrawal requests are processed within one business day.
4. Is XTB safe for large balances?
XTB is regulated by multiple financial authorities and uses segregated client funds. However, traders should always review the broker’s regulatory protections in their jurisdiction.
5. Does XTB offer a sign-up bonus?
XTB generally focuses on pricing and platform features rather than sign-up bonuses. Availability may vary by region and regulatory requirements.
6. What happens if I don’t use my account for a year?
If no trades have been opened or closed for 365 days and no deposits have been made in the previous 90 days, XTB may charge an inactivity fee of $11 per month.
