Fees & Commissions · 2026

XTB Fees & Commissions 2026

A full breakdown of XTB's spreads, commissions, swap rates, deposit/withdrawal fees, inactivity charges, and currency conversion costs.

ESMA Risk Warning

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Quick Answer

XTB fees: EUR/USD spreads from 0.1 pips (Pro), 0.5 pips (Standard); commissions $3.50 per lot per side (Pro), None (Standard); withdrawal fees Free (above EUR 100); minimum deposit none. Fees score: 8.5/10.

Spreads at XTB

Per-account-type spreads on EUR/USD, verified April 2026.

EUR/USD: 0.1 pips (Pro), 0.5 pips (Standard)

XTB offers 2 account types: Standard, Pro. Spreads on minor pairs, exotic pairs, and CFD instruments are wider than major-pair spreads shown here. Check the broker's live platform data for real-time pricing during your preferred trading session.

Commissions

Per-trade commissions charged on ECN/Raw accounts.

Commission: $3.50 per lot per side (Pro), None (Standard)

Raw spread accounts typically charge per-lot commissions alongside tighter spreads, while Standard accounts embed all costs in a slightly wider spread. For active traders, the all-in cost (spread + commission) is what matters, not the headline spread alone.

Swap Rates & Overnight Financing

Interest charges applied to positions held past 5pm NY time.

XTB applies standard overnight swap rates based on prevailing interbank interest rate differentials. Swap-free accounts are not offered. Swaps can be positive (credit) or negative (charge) depending on the direction of the trade and the interest rate differential between the two currencies in the pair. On Wednesdays, swap is typically charged at triple rate to cover the weekend.

Deposit & Withdrawal Fees

Funding and withdrawal costs at XTB.

Deposit Methods

Bank Transfer, Credit/Debit Card, PayPal, Skrill, Neteller

Deposits are typically free; payment provider fees may apply at the provider's end.

Withdrawal Fees

Free (above EUR 100)

Intermediary bank fees may apply on international transfers.

Inactivity Fee

Most KNF-regulated brokers apply an inactivity fee after 6-12 months of no trading activity, typically 5-10 EUR per month. Check XTB's fee schedule during onboarding to confirm the exact trigger period and amount. If you do not plan to trade actively, a broker with no inactivity fee is worth considering.

Currency Conversion

XTB supports account base currencies including EUR among others. Deposits in a currency different from your account base currency incur conversion fees, typically 0.5% to 1% above the interbank rate. EU traders should open an EUR-denominated account where possible to avoid ongoing conversion costs.

Cost Calculator Example

What 10 standard lots of EUR/USD per month costs at XTB.

Trading 10 lots of EUR/USD per month costs approximately $80.00 at XTB, based on the lowest published spread of 0.10 pips and commission of $3.50 per side. This translates to roughly $8.00 per standard lot round-turn at current pricing.

Calculation: (0.10 pips × $10 per pip + $7.00 commission round-trip) × 10 lots. Actual costs vary with session timing, volatility, and slippage.

Cheaper Alternatives to XTB

EU-regulated brokers with a better fees score than XTB.

IC Markets

9.6/10 fees

0.0 pips (Raw), 0.6 pips (Standard)

Pepperstone

9.4/10 fees

0.0 pips (Razor), 0.69 pips (Standard)

Exness

9.3/10 fees

0.0 pips (Raw), 0.3 pips (Pro), 1.0 pips (Standard)

Frequently Asked Questions

What fees does XTB charge?

XTB charges the following fees in 2026: EUR/USD spreads from 0.1 pips (Pro), 0.5 pips (Standard), commissions of $3.50 per lot per side (Pro), None (Standard), and withdrawal fees of Free (above EUR 100). XTB's minimum deposit is zero. Swap-free Islamic accounts are not offered.

Does XTB charge commission on trades?

XTB's commission structure is: $3.50 per lot per side (Pro), None (Standard). Commissions typically apply only to ECN/Raw accounts where the broker passes through tighter spreads, while Standard accounts embed all costs in a slightly wider spread with no separate commission.

What is the total cost of trading with XTB?

Trading 10 standard lots of EUR/USD per month at XTB costs approximately $80.00. This includes spreads of roughly $10.00 and commissions of $70.00. Your actual cost will depend on account type, session timing, and volatility.

Does XTB have an inactivity fee?

XTB's inactivity fee policy depends on the account type and jurisdiction. Most KNF-regulated brokers apply an inactivity fee after 6-12 months of no trading activity, typically 5-10 EUR per month. Check the broker's fee schedule at signup to confirm the exact terms.

Are there withdrawal fees at XTB?

XTB's withdrawal fee structure: Free (above EUR 100). EU-regulated brokers typically offer free withdrawals via SEPA bank transfer, though intermediary bank charges may apply for international transfers outside XTB's control. Credit card withdrawals may take 1-5 business days to process.

Is XTB cheap for scalpers and active traders?

XTB's fees score is 8.5/10. XTB offers competitive pricing suitable for most active trading styles.

Ready to trade with XTB?

Read the full review or open a live account directly.

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CFD Risk Warning

This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.