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XTB fees, after the safety questions

Cost is the last thing to weigh when the question is whether your money is safe, so this page comes after the regulation page and reads in that light.

Regulation: KNF Poland; FCA (522157); CySEC (169/12); DFSA (F006316); FSC Belize (000000587 / 6442514); additional regional authorisations. How XTB is regulated

Facts last checked . Read the full XTB review.

What it costs to trade

Spread from
0.5 pips
EUR/USD spread
Approx. 0.8 pips
GBP/USD spread
Approx. 1.0 pips
Commission
$0, Standard
All-in cost, EUR/USD
Approx. 0.8 pips
Spread type
Variable
Overnight swap
Both: overnight financing may be charged or credited
Inactivity fee
€10/month after 12 months without trading and 90 days without a deposit
Deposit fee
None internally; payment-provider fees may apply
Withdrawal fee
Entity-dependent; generally free, but international account charges can apply to smaller withdrawals/e-wallets
Currency conversion
0.5%

What this means

Cost is the last thing to weigh here, and never the thing that should decide it.

Spreads from 0.5 pips suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

XTB lists a minimum deposit of $0. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Questions about XTB fees

Does XTB charge to deposit or withdraw?

Deposit fees at XTB: None internally; payment-provider fees may apply. Withdrawal fees: Entity-dependent; generally free, but international account charges can apply to smaller withdrawals/e-wallets.

Does XTB charge an inactivity fee?

XTB's inactivity fee is recorded as €10/month after 12 months without trading and 90 days without a deposit.

What does XTB charge to hold a position overnight?

Overnight financing at XTB is recorded as both: overnight financing may be charged or credited.

Fees at brokers under the same regulator

More about XTB