Plus500 Overnight Funding Fee: How It Works
Plus500 charges an Overnight Funding Fee on any CFD position held open past a daily cut-off time. The exact rate varies by instrument and direction and is displayed on the platform per instrument before you trade, so there is no single fixed figure. It accrues daily for as long as the position stays open (as of June 2026).
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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Plus500: 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your 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 overnight funding actually is
Because a CFD is a leveraged product, you are effectively financing a position larger than the cash in your account. Overnight funding is the daily adjustment that reflects the cost or benefit of maintaining that leveraged exposure past the platform's daily cut-off. It is separate from the spread, which is the main way Plus500 makes money, since the broker charges no commission. Depending on the instrument and whether you are long or short, the amount is either debited from or, in some cases, credited to your account. The figure is not a penalty; it is a standard financing mechanism common across CFD providers. On Plus500 the rate is set per instrument and can change, which is why the platform shows the current rate against each individual instrument rather than a blanket rate.
When the fee is charged
The Overnight Funding Fee is applied once per day, at a set time, to every position that remains open through that moment. If you open and close a position within the same trading day, before the cut-off, no overnight funding applies. Hold the position past the cut-off and one day's funding is applied; hold it across several nights and the daily amounts accumulate. Weekends and certain instruments may carry an adjusted or multiplied charge to account for days the market is closed, and this too is shown on the platform. The key point is that the cost is time-based: the longer a position stays open, the more overnight funding accrues, entirely independently of whether the trade is moving in your favour.
Why this makes CFDs unsuitable for long-term holding
CFDs are designed for short-term exposure, and overnight funding is a large reason why. A position you might comfortably hold for months as a traditional share purchase becomes progressively more expensive as a CFD, because funding is charged every single night it stays open. Over weeks or months these daily amounts can add up to a material drag on any profit and can deepen a loss. This is a structural feature of leveraged CFD trading, not a quirk of Plus500. It is worth stating plainly that 80% of retail CFD accounts lose money. If your intention is to buy and hold an asset for the long term, a CFD is generally the wrong instrument, and overnight funding is one of the clearest reasons why.
How to see the rate before you trade
Plus500 publishes the current overnight funding rate for each instrument within the platform itself, in the instrument's details or information section, so you can review it before opening a position. Because the rate varies by instrument and by direction (long or short), always check the specific figure shown for the exact instrument you intend to trade rather than assuming a general number. We do not quote rates here because they change and are instrument-specific; the only reliable source is the live figure on the platform at the moment you trade. Reviewing this in advance lets you estimate the daily cost of holding a position and factor it into your decision, particularly if you expect to keep the trade open for more than a single session.
The other Plus500 fees to be aware of
Overnight funding is only one of several charges. Plus500 applies no commission, with its cost built into the spread, but additional fees apply. A Currency Conversion Fee of up to 0.7% is applied to realised profit and loss when your position is in a currency other than your account's base currency. An Inactivity Fee of up to $10 per month applies after three months without logging in, and simply logging in resets the clock. A Guaranteed Stop Order is available, but once used a wider spread is applied to that position. Withdrawals are free, though there are limits on frequency and minimums of $100 for bank transfer and $50 for e-wallets. Knowing all of these in advance helps you judge the true cost of trading (as of June 2026).
The bottom line
Plus500's Overnight Funding Fee is a standard, daily financing charge whose rate varies by instrument and is shown on the platform before you trade. It is not a hidden cost, but it accumulates every night a position stays open, which is a core reason CFDs are unsuitable for long-term holding. Combined with the Currency Conversion Fee, Inactivity Fee and the wider spread applied once a Guaranteed Stop Order is used, it should be factored into every trading decision. Remember that 80% of retail CFD accounts lose money. Plus500CY Ltd is authorized & regulated by CySEC (#250/14).
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Frequently Asked Questions
How much is Plus500's overnight funding fee?
There is no single figure. The rate varies by instrument and by whether your position is long or short, and Plus500 displays the current rate per instrument on the platform. Always check the live rate for your specific instrument before opening a position (as of June 2026).
When does Plus500 charge overnight funding?
It is charged once daily, at a set cut-off time, on any position still open at that moment. Trades opened and closed within the same day before the cut-off avoid it. Held across multiple nights, the daily charges accumulate for as long as the position stays open.
Can I avoid the overnight funding fee?
The only way to avoid it entirely is to close a position before the daily cut-off so it is not held overnight. Because the fee accrues every night a position stays open, CFDs are generally unsuitable for long-term holding, where these daily costs compound significantly over time.
What other fees does Plus500 charge?
Beyond overnight funding: a Currency Conversion Fee up to 0.7% on realised P&L, an Inactivity Fee up to $10 monthly after three months without logging in, and a wider spread once a Guaranteed Stop Order is used. There is no commission; cost is in the spread.