XTB Fees and Commission: What You Actually Pay in 2026
As of June 2026, XTB charges no commission on real stocks and ETFs up to €100,000 of monthly turnover; above that, a 0.2% commission applies with a €10 minimum. The main everyday cost for most investors is the 0.5% FX fee on currency conversion, not commission.
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
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The 0% commission structure and the €100,000 cap
XTB's headline feature is commission-free trading on real stocks and ETFs, but with an important condition. As of June 2026, the 0% rate applies up to €100,000 of monthly turnover across your trades. Once your combined buying and selling in a calendar month exceeds that threshold, a 0.2% commission applies to the portion above it, with a €10 minimum per trade. Turnover means the total value traded, not your profit, so both buys and sells count toward the cap. For the vast majority of retail investors, €100,000 of monthly turnover is far beyond what they trade, so they never pay commission at all. The cap realistically affects only very active or high-value traders, such as those moving large sums frequently or day-trading sizeable positions. For everyone else, stock and ETF dealing is effectively commission-free. Capital at risk.
The 0.5% FX fee: your real everyday cost
Because most investors never hit the commission cap, the FX fee is the charge that matters most in practice. As of June 2026, XTB applies a 0.5% currency conversion fee whenever a trade requires converting between currencies, for example buying a US-listed stock in dollars from a GBP or EUR account. This is the everyday cost of investing in foreign-currency assets through XTB. As a worked example, buying £1,000 of a US stock would incur roughly £5.00 in FX fees on the conversion, and the fee applies again when you sell and convert back. For an investor regularly buying overseas shares, these conversions are the dominant cost, comfortably outweighing the theoretical commission most people never pay. Where XTB lets you hold the asset's currency, converting once rather than on every trade can reduce this drag. Capital at risk.
Withdrawals and the easy-to-avoid inactivity fee
XTB's cash-flow rules are straightforward and mostly favourable. As of June 2026, withdrawals are free above €100; some entities may charge a €10 fee on withdrawals below that amount, so it is generally cheaper to withdraw in larger amounts. The inactivity fee is easy to avoid entirely. It is €10 per month, but it only applies after 12 full months of no trading and no deposit in the prior 90 days. In other words, you must be completely dormant for a year before any charge begins, and even a single trade or deposit resets the clock. Active or even occasional investors will never encounter it. This makes XTB's fee structure friendly for buy-and-hold investors, provided they make the odd deposit or trade within any twelve-month window.
XTB vs Trading 212 and eToro
On costs, XTB sits between its main rivals. As of June 2026, its 0.5% FX fee is higher than Trading 212's market-leading 0.15%, meaning a £1,000 US-stock conversion costs about £5.00 on XTB versus roughly £1.50 on Trading 212. Against eToro, however, XTB looks competitive: eToro charges around 0.75% FX plus a stock commission of roughly $1 to $2 per trade, whereas XTB has no per-trade stock commission for most investors and a lower FX rate. One structural difference is that XTB does not offer a UK Stocks and Shares ISA, which Trading 212 does provide free, so UK investors wanting tax-efficient wrappers may prefer Trading 212. XTB's strengths are its xStation platform, its regulation, and genuinely commission-free dealing for ordinary volumes. The right choice depends on how much you value the lower FX fee versus the platform and features. Capital at risk.
Regulation and platform context
XTB is a long-established broker founded in 2002, giving it more than two decades of operating history. As of June 2026, it is regulated by the FCA in the UK, CySEC in the EU, and KNF in Poland, where its parent company is publicly listed on the stock exchange, an added layer of transparency and disclosure that many rivals lack. Being publicly traded means the group must publish audited financial results and meet listing requirements, which some investors view as a reassurance signal. Its proprietary xStation platform is well regarded for charting and order execution and is a frequent reason investors choose XTB. When weighing fees, it is worth remembering that platform quality, regulation and reliability all factor into value alongside the headline numbers. As with any broker, read the current fee schedule before committing, since terms can change. Capital at risk.
The bottom line
XTB is a well-regulated, publicly listed broker founded in 2002 offering genuinely commission-free stocks and ETFs up to €100,000 monthly turnover, a threshold few retail investors reach. As of June 2026, its main real cost is the 0.5% FX fee, higher than Trading 212's 0.15% but lower than eToro's roughly 0.75% plus per-trade commission. Withdrawals are free above €100 and the inactivity fee is easily avoided. The lack of a UK ISA is the notable gap. Capital at risk.
XTB
Best for low-cost stock and ETF investing in the EU/UK
Capital at risk. This is not financial advice. Investing involves risk of loss.
Frequently Asked Questions
Does XTB charge commission on stocks and ETFs?
As of June 2026, no, up to €100,000 of monthly turnover. Above that threshold, a 0.2% commission applies with a €10 minimum per trade. Most retail investors trade far below the cap, so they effectively pay no stock or ETF commission at all.
What is XTB's FX fee?
As of June 2026, XTB charges a 0.5% currency conversion fee when a trade requires converting currencies, such as buying US stocks from a GBP or EUR account. On a £1,000 conversion that is about £5.00, and it applies again when you convert back on selling.
Does XTB have an inactivity fee?
Yes, but it is easy to avoid. As of June 2026 it is €10 per month, charged only after 12 months of no trading and no deposit in the prior 90 days. A single trade or deposit within any year keeps your account active and avoids the fee entirely.
Is XTB cheaper than Trading 212?
On FX, no. XTB's 0.5% fee is higher than Trading 212's 0.15%, so foreign-currency trades cost more on XTB. Both offer commission-free stock and ETF dealing for ordinary volumes, but Trading 212 also provides a free UK ISA, which XTB does not.