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XTB fees and how they score

Cost is scored on what a trade actually costs all in, not on the headline spread. These are the figures behind XTB's cost score.

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 scored on what a trade actually costs all in, not on the headline spread.

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

What is the EUR/USD spread at XTB?

XTB records an average EUR/USD spread of approx. 0.8 pips on a variable pricing model.

Does XTB charge commission?

XTB's commission is $0, Standard. A commission account usually pairs with a tighter spread, so the two have to be read together.

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