Broker Inactivity Fees Compared
Most modern investing apps charge no inactivity fee at all. Trading 212, Freetrade, InvestEngine, Revolut, Robinhood and Webull never bill you for a dormant account, and eToro removed its inactivity fee in 2026. Among share-dealing platforms, XTB is the main one that still charges — €10 a month, but only after a full year with no trading and no deposit in the previous 90 days, so it is easily avoided. Every figure below is taken from each broker's published fee schedule, verified June 2026.
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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| Broker | Inactivity fee | Notes |
|---|---|---|
| Trading 212 | None | No inactivity fee, ever. |
| Freetrade | None | No inactivity fee on any plan. |
| InvestEngine | None | No inactivity fee. |
| Revolut | None | No inactivity fee on investing. |
| Robinhood | None | No inactivity fee. |
| Webull | None | No inactivity fee. |
| eToro | None (eToro removed the inactivity fee in 2026) | None — eToro removed its inactivity fee in 2026. |
| XTB | €10/month after 1 year inactive with no deposit in 90 days | €10/month, but only after a full year inactive with no deposit in 90 days. |
Fee data verified June 2026 from each broker’s published schedule. Figures are estimates of published costs, not quotes — confirm current fees on the broker’s own site before opening an account.
What an inactivity fee is
An inactivity fee, sometimes called a dormancy fee, is a recurring charge a broker applies when you go a defined period without trading or, on some platforms, without logging in. The idea from the broker's side is to cover the cost of maintaining a dormant account and to nudge customers into activity. For long-term, buy-and-hold investors this can be a real irritation: you might sensibly buy a diversified portfolio and leave it untouched for years, which is exactly the behaviour an inactivity fee penalises. The good news is that among mainstream share-dealing platforms the fee is now rare, and where it exists the trigger conditions are usually easy to sidestep with a single trade or a small deposit. Always check the precise trigger — some count time since your last trade, others since your last login, and the qualifying period ranges from a few months to a full year.
The brokers that charge nothing
For most investors the practical answer is that inactivity fees no longer apply. Trading 212, Freetrade, InvestEngine and Revolut charge no inactivity fee on any account, so a dormant portfolio costs you nothing to hold. In the US, Robinhood and Webull are the same — no inactivity fee regardless of how long you leave the account idle. eToro used to charge an inactivity fee but removed it in 2026, so it now sits in the free camp too. This matters most for passive investors: if your strategy is to buy broad ETFs and hold them for a decade, any of these platforms lets you do so without a recurring dormancy charge quietly eating into your pot. When you are choosing a home for a long-term ISA or general account, a zero inactivity fee should be near the top of your checklist.
XTB's inactivity fee and how to avoid it
Among the share-dealing platforms here, XTB is the one that still charges an inactivity fee, but its conditions make it genuinely easy to avoid. The fee is €10 per month, and it only applies once two things are both true: you have not traded for a full year, and you have not made a deposit in the previous 90 days. In other words, a single trade at any point in the year, or a small deposit within any 90-day window, keeps the fee at zero. For an active or even occasional investor this is a non-issue. It only bites someone who genuinely abandons a funded account for over a year. If you hold an XTB account you are not actively using, the simplest defence is to place one small trade a year or make an occasional token deposit; either resets the clock and the €10 monthly charge never applies.
How much an inactivity fee can cost if you ignore it
Left unchecked, an inactivity fee compounds quietly. Take XTB's €10 a month: an investor who forgets a small funded account and lets it sit dormant past the one-year mark would be charged €10 every month thereafter, or €120 a year, drawn from the account balance until it is depleted or reactivated. On a small legacy account that is a meaningful erosion. This is why the fee matters even though it is easy to avoid — the danger is not the headline number but forgetting about an account entirely. The practical rules are straightforward: consolidate old accounts you no longer use rather than leaving them scattered and dormant, favour platforms with no inactivity fee for money you plan to leave untouched, and if you do hold an account on a platform that charges one, set a calendar reminder to trade or deposit before the trigger period elapses. Capital at risk.
Inactivity fees versus custody and platform fees
It is worth separating inactivity fees from other recurring charges, because they penalise different behaviour. An inactivity fee punishes doing nothing — it applies precisely because you are not trading. A platform or custody fee, by contrast, is charged for simply holding assets regardless of whether you trade, and is common on traditional full-service investment platforms though absent from the commission-free apps in this comparison, which charge no platform fee. The two can coexist or, more happily, both be zero. For a long-term investor the ideal combination is no platform fee and no inactivity fee, which is exactly what several of the apps here offer: you can buy and hold indefinitely at no recurring cost beyond the underlying fund charges. When comparing brokers, check both the inactivity fee and any platform or custody fee together, since a headline of no inactivity fee means little if a platform fee applies instead.
Frequently Asked Questions
Which brokers charge no inactivity fee?
Trading 212, Freetrade, InvestEngine, Revolut, Robinhood and Webull charge no inactivity fee at all, and eToro removed its inactivity fee in 2026. Among the share-dealing platforms in this comparison, XTB is the main one that still charges, at €10 a month under specific conditions.
How do I avoid XTB's inactivity fee?
XTB's €10 monthly fee only applies after a full year with no trading and no deposit in the previous 90 days. Placing a single trade during the year, or making a small deposit within any 90-day window, keeps the fee at zero. It only affects genuinely abandoned funded accounts.
Did eToro remove its inactivity fee?
Yes. eToro previously charged an inactivity fee on dormant accounts but removed it in 2026, so it no longer applies. eToro's remaining costs to watch are its currency conversion fee on GBP and EUR accounts and the $5 withdrawal fee on USD accounts.
What is the difference between an inactivity fee and a platform fee?
An inactivity fee is charged when you do not trade for a set period, penalising dormancy. A platform or custody fee is charged for holding assets regardless of activity. The commission-free apps in this comparison charge no platform fee, so ideally you want both to be zero.