Brokers With No Inactivity Fee (UK, 2026)
Looking for a UK trading platform that never charges you for doing nothing? Good news: 7 of the 8 share-dealing platforms available to UK investors in our dataset charge no inactivity fee at all. Only 1 still does — XTB— and only under specific conditions. Every entry below is read directly from each platform's published fee schedule, verified July 2026.
Reviewed by Yaniv Barshaf, CPA · Fees verified July 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
UK share-dealing platforms: who charges an inactivity fee
Every UK-available share-dealing (non-CFD) platform in our dataset, split by whether it charges an inactivity fee. Terms are quoted exactly as published.
No inactivity fee (7)
| Broker | Inactivity fee | Details |
|---|---|---|
| eToro | None | None (eToro removed the inactivity fee in 2026) |
| Freetrade | None | None |
| InvestEngine | None | None |
| Lightyear | None | None |
| Revolut | None | None |
| Trading 212 | None | None |
| Webull | None | None |
Charges an inactivity fee (1)
| Broker | Inactivity fee | Exact terms |
|---|---|---|
| XTB | €10/month | €10/month after 1 year inactive with no deposit in 90 days |
Fees read directly from each platform's published schedule, verified July 2026. Amounts are shown in the currency the platform publishes them in. Always confirm the current terms on the provider's own fees page before opening an account.
A note on CFD platforms
The comparison above covers share-dealing platforms, where you own the underlying shares. CFD and spread-betting platforms are a separate category, and several of them do still charge inactivity fees — often on tighter triggers. For example, AvaTrade charges $50/quarter after 3 months idle, plus $100/year administration fee after 12 months, Fortrade charges $10/month after 180 days (6 months) of no trading, Plus500 charges up to $10/month after 3 months without logging in. These are leveraged products, not the like-for-like share-dealing accounts most investors are comparing, so we keep them out of the main table.
Plus500: 80% of retail CFD accounts lose money.
Additional fees apply, including an Overnight Funding Fee, a Currency Conversion Fee, an Inactivity Fee, and a Guaranteed Stop Order (a wider spread is applied once used).
Plus500CY Ltd is authorized & regulated by CySEC (#250/14).
What an inactivity fee is — and how to avoid it
An inactivity fee is a flat charge some brokers apply when your account sits idle for a set period — typically a fixed monthly or quarterly amount once you stop trading, and sometimes once you stop logging in or depositing too. It is unusual among broker charges because it is unrelated to anything you actually do: unlike commission or a currency-conversion (FX) fee, it takes money from you precisely when you are not using the platform. That makes it a particular hazard for buy-and-hold investors, who may deliberately leave a portfolio untouched for years, and for anyone with a small dormant account that a monthly fee could slowly erode.
The good news is that avoiding it is straightforward. The simplest approach is to pick one of the many platforms that charge nothing — the large majority of the UK market. If you already hold an account that levies a fee, you can usually sidestep it by meeting the platform's minimum activity requirement: XTB only applies its charge after a full year of inactivity with no deposit in the previous 90 days, so a single small deposit resets the clock. The exact trigger varies — some brokers look at trading, others at logins or deposits — so read the condition in the fee schedule rather than assuming. For the full picture across the market, see our inactivity fees compared guide.
Inactivity fees also rarely travel alone. A platform's total cost depends far more on its commission and, for anyone buying US or overseas shares, its FX fee — usually the largest recurring charge. Before choosing on the inactivity line alone, weigh the whole fee picture: see the cheapest brokers in the UK, ranked by real annual cost.
Brokers with no inactivity fee: frequently asked questions
Which UK brokers have no inactivity fee?
Most of them. Of the 8 share-dealing platforms available to UK investors in our dataset, 7 charge no inactivity fee at all: eToro, Freetrade, InvestEngine, Lightyear, Revolut, Trading 212, Webull. Only 1 still charges one, and even then only under specific conditions. Fees verified July 2026.
What is an inactivity fee?
An inactivity fee is a flat charge — usually a fixed amount each month or quarter — that some brokers levy when you have not traded or, in some cases, not logged in or deposited for a set period. It is a fee for doing nothing, so it hits buy-and-hold investors and dormant accounts hardest. Unlike commission or FX fees, it is unrelated to any activity that benefits you, which is why more platforms have dropped it.
Does XTB really charge an inactivity fee?
Yes, but conditionally. XTB charges €10 a month, and only after your account has been inactive for a full year with no deposit in the previous 90 days. In other words, a simple deposit or occasional trade avoids it entirely. It is the only UK-available share-dealing platform in our dataset that still has an inactivity fee, which is why it stands out.
How do I avoid an inactivity fee?
The simplest route is to choose a platform that has none — the majority now. If you already hold an account that charges one, the fee is usually avoided by meeting the platform's minimum activity: placing an occasional trade, making a small deposit, or simply logging in within the required window. Check the exact trigger in the terms, because the condition (no trading vs no login vs no deposit) varies by broker.