XTB Inactivity Fee: The Exact Conditions, and How to Avoid It
XTB charges an inactivity fee of EUR 10 per month, but only after a full 365 days with no trade AND no deposit in the previous 90 days. It is not charged on ISA accounts, on accounts holding open positions, or on a zero balance (as of August 2026). Both conditions have to be met, which makes it one of the easier dormancy fees in the market to avoid.
Reviewed by Yaniv Barshaf, CPA · Fees verified August 2026 · Our methodology
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Both conditions must be met before you are charged
The detail that catches people out is that XTB's fee is not triggered by a single year of not trading. Two things have to be true at once: 365 days must have passed with no trade, and there must have been no deposit in the previous 90 days. A single deposit inside that 90-day window is enough to keep the account out of scope even if you have not placed a trade all year. That is a materially more forgiving condition than a pure no-trading test, and it means an investor who tops up a position occasionally without buying will not be billed. The charge is EUR 10 per month once it does apply.
Three situations where it never applies
XTB publishes three carve-outs, and each removes the fee entirely rather than reducing it. ISA accounts are exempt, so UK investors holding through a stocks and shares ISA are outside the charge regardless of activity. Accounts holding open positions are exempt, which covers the buy-and-hold case directly: if you own something, you are not dormant. And an account with a zero balance is not charged, so a fee cannot push an emptied account into a negative balance. Between the exemptions and the two-part trigger, the realistic exposure is an account that holds cash, holds no positions, has not traded for over a year, and has not been topped up in three months.
How XTB compares with the rest of the market
Most of the market has moved to zero. Trading 212, Freetrade, InvestEngine, Revolut, Robinhood, Webull, DEGIRO, Capital.com and Interactive Brokers all charge nothing for a dormant account, and eToro removed its inactivity fee in 2026. Among the brokers that do still charge, XTB is the most lenient: AvaTrade bills $50 per quarter after just three months idle plus a further $100 a year in administration after twelve months, and Plus500 charges up to $10 per month after three months without a login. XTB's year-long window with a deposit escape hatch is a far softer condition than either. If a dormancy charge is your main worry, XTB is not the broker to rule out over it (as of August 2026).
The XTB costs that will actually reach you
For most XTB users the inactivity fee is theoretical and currency conversion is not. XTB applies a 0.5% margin on its own exchange rate, rising to 0.8% at weekends and on holidays — a detail worth knowing if you tend to place trades outside market hours. Withdrawals are free above EUR 100, though some XTB entities charge EUR 10 on withdrawals below that threshold, so it is cheaper to withdraw in larger amounts than to make frequent small transfers. Those two figures will shape your real cost of using XTB far more than a fee you can avoid by depositing once every three months.
The bottom line
XTB does charge for inactivity, but the EUR 10 monthly fee needs a year without trading and three months without a deposit before it bites, and ISA accounts and open positions are exempt entirely. Treat the 0.5% FX margin as the real cost to compare.
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Frequently Asked Questions
How much is the XTB inactivity fee?
EUR 10 per month, charged only after 365 days with no trade and no deposit in the previous 90 days. Both conditions must be met (as of August 2026).
How do I avoid the XTB inactivity fee?
Make a deposit at least once every 90 days, hold an open position, or hold your account as an ISA. Any one of those keeps the fee from applying, and an account with a zero balance is never charged.
Is the XTB inactivity fee charged on an ISA?
No. ISA accounts are exempt from the inactivity fee regardless of how long they go without a trade (as of August 2026).