XTB Fee Calculator: What Will XTB Really Cost You?
Use this free calculator to estimate your real annual cost of investing with XTB. Stocks and ETFs are commission-free up to €100,000 of monthly turnover, withdrawals are free above €100, and the inactivity fee is easily avoided — so for most investors the cost that matters is the 0.5% currency-conversion fee. Compare XTB against rivals using fee data verified June 2026.
Reviewed by Yaniv Barshaf · Fees verified June 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.
Broker fee calculator
See the real annual cost of each broker for how you invest. Commission-free rarely means free — FX and withdrawal fees add up.
Cheapest for your profile
Robinhood — $0/year
That's $224/year less than eToro.
XTB would cost you about $120/year for this profile — ranked #4 of 6 on cost.
| Broker | FX | Withdrawals | Est. annual cost | Visit broker |
|---|---|---|---|---|
| CheapestRobinhood | $0 | $0 | $0 | Visit |
| Trading 212 | $36 | $0 | $36 | Visit |
| Webull | $84 | $0 | $84 | Visit |
| XTB | $120 | $0 | $120 | Visit |
| Revolut | $120 | $0 | $180 | Visit |
| eToro | $180 | $20 | $224 | Visit |
Estimates based on published fee schedules (verified June 2026) and your inputs. This calculator covers share-dealing (stock/ETF) brokers only; FX applies when funding in a different currency. CFD and spread-based brokers are excluded because their leveraged, spread-based costs are not directly comparable to share-dealing accounts. Actual costs vary by instrument, region, and account tier. Capital at risk. This is not financial advice. Investing involves risk of loss.
How the XTB calculation works
For a typical retail investor, XTB's per-trade commission is zero: the 0.2% commission (minimum €10) only kicks in above €100,000 of monthly turnover, which few private investors reach. The calculator therefore drives XTB's cost primarily from the 0.5% FX fee, applied when you tick the currency-conversion option — the realistic scenario for GBP and EUR investors buying US-listed stocks and ETFs. Withdrawals are modelled as free (they are, above €100). The €10-per-month inactivity fee only applies after a full year with no trading and no recent deposit, so an occasional trade keeps it at zero. As always, this is an estimate from published schedules, verified June 2026, not a personalised quote. Capital at risk.
Where XTB lands against rivals
XTB usually lands in the middle of the cost table: cheaper than eToro (which adds a $1–$2 commission per stock trade on top of a ~0.75% FX fee), but more expensive than Trading 212 (0.15% FX) for investors who convert currency often. What the raw numbers miss is the platform: xStation's charting, screeners and research are a genuine step up from app-only rivals, and XTB's parent is publicly listed in Warsaw with FCA and CySEC regulation. If the calculator shows XTB costing you, say, £35 a year more than Trading 212 for your profile, the question becomes whether the platform depth is worth that. For UK investors needing an ISA wrapper, note XTB does not offer one.
Frequently Asked Questions
Does XTB really charge no commission?
Yes, on real stocks and ETFs up to €100,000 of monthly turnover — beyond that a 0.2% commission (minimum €10) applies. Most retail investors never reach the cap, so their effective commission is zero. The everyday cost is the 0.5% FX fee instead.
What is XTB's main cost for UK investors?
The 0.5% currency-conversion fee when buying assets priced in another currency, such as US stocks from a GBP account. On £1,000 that is about £5, applied again when converting back. Commission is zero for normal volumes and withdrawals above €100 are free.
Is XTB cheaper than eToro?
For most profiles, yes. XTB charges no per-trade stock commission for normal volumes and a 0.5% FX fee, while eToro charges $1–$2 per trade plus roughly 0.75% FX. Enter your own trade size and frequency in the calculator to see the annual gap.