XTB fees explained: what UK investors and traders actually pay

The short answer

XTB charges UK clients no commission on stocks and ETFs until monthly turnover passes €100,000, then 0.2% with a £10 minimum. The fee most people actually pay is the 0.5% currency conversion fee on any trade outside their account currency: £5 on a £1,000 US share bought from a GBP account. Deposits and withdrawals are free, there is no minimum deposit, and uninvested GBP earns a variable 4.00% AER. CFD trading costs spreads plus nightly financing.

That puts XTB among the cheaper UK platforms for buying UK and European shares, and noticeably more expensive than Trading 212 for anyone who buys US shares in pounds. The rest of this guide goes through each charge, as of October 2026.

Every XTB fee in one table

Sources: XTB’s UK account and fees page, its help-centre article on fees and commissions, the UK swap table effective 19 October 2026 and the UK spread comparison dated 13 January 2026. All checked on 23 October 2026.

How does the €100,000 commission-free threshold work?

XTB calls stocks and ETFs “organised market instruments”, and for these it charges no commission until your combined buy and sell turnover in a calendar month passes the equivalent of €100,000. XTB’s help centre says the 0.2% applies “only after exceeding” that figure, so it is charged on turnover above the line rather than retrospectively on the whole month. The UK fee page sets the minimum at £10 per order.

At a EUR/GBP rate of 0.87, €100,000 is about £87,000 a month. Someone investing a few hundred pounds a month, or rebalancing a £50,000 portfolio once a year, will never come near it. Who does hit it: active traders turning over a mid-sized portfolio several times a month. For them a £5,000 order above the threshold costs £10, not £0, and the minimum makes small orders expensive in percentage terms.

There is a second, less visible threshold. XTB charges no custody fee on portfolios up to €250,000; above that it charges 0.02% a year, with a £10 minimum. XTB does not spell out whether the 0.02% applies to the whole portfolio or only the part above €250,000; on a £300,000 portfolio it is at most about £60 a year. It is small, but it is not zero, and Trading 212 does not charge it.

How much is the XTB FX fee, and can you avoid it?

Every XTB account has one base currency. When you trade something priced in another currency, XTB converts at its own exchange rate plus a 0.5% margin, on the way in and again on the way out. XTB’s fee article says this also applies to corporate actions, so dividends from US shares paid into a GBP account are converted too.

For comparison, Trading 212 charges 0.15% for the same conversion. On a £10,000 US portfolio bought and later sold, that is £100 at XTB against £30 at Trading 212.

There are two ways round it:

• Buy in your account currency. A GBP account buying London-listed shares, or the many US-index ETFs that trade on the London Stock Exchange in pounds, pays no conversion at all.
• Open a second account in USD. XTB lets you hold several accounts in different currencies. Fund the USD account with dollars from a multi-currency bank account and US trades settle with no conversion. Moving money internally from your GBP account to the USD one does not help much: XTB charges 0.5% on transfers between accounts in different currencies, rising to 0.8% at weekends and on bank holidays.

What does buying £1,000 of a US share actually cost?

This is the worked example that matters for most UK readers. Assume a GBP account, under the monthly threshold, buying £1,000 of a NYSE-listed share and selling it later at the same value.

The round trip costs £10, or 1% of the investment, and all of it is the conversion fee. The same trade on Trading 212 costs £3.

The comparison flips for UK shares. Buy £1,000 of a FTSE 100 company and XTB charges £0; HMRC takes £5 in stamp duty, as it would at any broker. Buy £1,000 of a London-listed ETF and the total is £0, because ETFs are exempt from stamp duty. For a portfolio built from UK shares and sterling ETFs, XTB is effectively free.

What are XTB’s CFD spreads?

XTB’s CFD account charges no commission; it is paid through the spread. Its UK specification table (valid from 19 September 2026) lists the spread for every currency pair, index and commodity simply as “variable”, and notes that spreads can widen sharply during volatile markets and in the thin hour around the daily rollover.

The nearest thing to published numbers is XTB’s own UK comparison table, dated 13 January 2026, which lists minimum spreads of:

These are minimums, not averages, so expect to pay more at busy moments. They are competitive for a commission-free account but not raw-spread territory. Scalpers who trade many lots a day pay less on a commission-plus-raw-spread account at Pepperstone or IC Markets. XTB’s own risk warning states that 74% of retail investor accounts lose money when trading CFDs with this provider.

How much is overnight financing on XTB?

Any CFD position held past the daily rollover is debited, or occasionally credited, a daily swap. XTB’s UK swap table effective 19 October 2026 lists daily rates including:

For index and commodity CFDs XTB builds the rate from the overnight benchmark (SONIA for sterling, SOFR for dollars) plus a margin. For share and ETF CFDs the formula is spelled out: base rate plus 4.5 percentage points for a long position.

In pounds: a £10,000 long position on UK100 costs about £2.29 a night, or roughly £69 over 30 nights. That is why CFDs suit short holding periods. If you want to keep exposure for months, owning the shares or an ETF at 0% commission costs nothing to hold.

When does XTB charge an inactivity fee?

XTB’s help centre sets out the rule. A fee of €10 a month (or the GBP equivalent) is taken from your available cash only if both of these are true:

• no position has been opened or closed in the last 365 days, and
• no deposit has been made in the last 90 days.

It is not charged on an ISA, on an account with no available funds or a zero balance, or while you still hold stock or ETF positions. The fee stops as soon as you trade again. In practice a buy-and-hold investor with shares in the account is never charged, and anyone else avoids it with one trade a year.

How much does XTB charge to deposit and withdraw?

Nothing. XTB UK accepts bank transfers and Visa or Mastercard cards in your own name, charges no deposit fee and has no minimum deposit. Card deposits arrive instantly; UK bank transfers usually arrive within one working day, provided you include your account number as the reference.

Withdrawals go to a bank account in your name in your country of residence. XTB’s help centre states there is no fee and no minimum amount, in GBP, EUR or USD. Requests before 1pm are processed the same working day, and money typically lands within one to three working days. The only charges you may meet come from your bank, or from intermediary banks on SWIFT transfers in dollars.

Does XTB offer an ISA, and what does it cost?

Yes. XTB offers a stocks and shares ISA in the UK, and a separate Cash ISA. According to XTB’s ISA page, the stocks and shares ISA uses the same pricing as the general account: 0% commission up to €100,000 of monthly turnover, the 0.5% conversion fee on foreign-currency shares, no custody fee below €250,000 and no inactivity fee. Fractional shares start at £1, and the annual ISA allowance of £20,000 applies.

There is no ISA administration fee, which is the main thing that separates XTB and Trading 212 from older percentage-fee ISA platforms.

How much interest does XTB pay on cash?

XTB pays interest on uninvested cash automatically, with no minimum or maximum balance. Its interest page lists variable rates of 4.00% AER on GBP, 3.45% on USD and 2.30% on EUR in the general investment account. Interest accrues daily and is paid within five working days of the end of each month. The stocks and shares ISA advertises up to 4% on free funds. Rates can change weekly, and interest outside an ISA counts towards your personal savings allowance, which XTB leaves you to report to HMRC.

Verdict

XTB’s own charges for a UK investor come down to one number: 0.5% on any currency conversion. Keep to UK shares and sterling-traded ETFs and the platform costs nothing to use, with free deposits and withdrawals and interest on idle cash. Buy US shares in pounds and it costs more than three times as much as Trading 212. For CFD traders the spreads and swaps are fair but not the cheapest. The full assessment, including xStation 5 and safety, is in our XTB review, and XTB vs Trading 212 sets the two side by side.

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CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. A majority of retail investor accounts lose money when trading CFDs with this provider.