Everything You Need to Know About XTB Fees

Opening block [150 words]

You are an active trader or investor comparing broker costs. You plan trades on stocks, ETFs, or CFDs. You may be deciding between XTB account types.
This article shows the full fee picture. Estimate trading costs with concrete numbers. Find hidden charges like currency margins and paper-document fees. Pick the right account for your trading frequency and markets.
Quick roadmap — you will get:
– Quick answer / TL;DR with headline numbers.
– A full fee breakdown: trading fees vs non-trading fees.
– Currency conversion and financing costs.
– Account-type differences and specific instrument rules.
– Common fee traps and how to avoid them.
– A compact comparison table.
– A short decision guide to pick your account.
Read this to save on trading costs, avoid surprises, and run break-even math on your typical trades.

Quick Answer / TL;DR [100 words]

Trading cost headline: US and major-exchange stock orders are commission-free up to €100,000 in monthly volume. Above €100,000 per month, XTB charges 0.2% with a €10 minimum.
Pro account headline: Pro pricing charges $3.50 per side (about $7 round trip) in return for tighter spreads.
Conversion & hidden cost headline: XTB applies a 0.5% margin on its exchange rate for currency conversions. Card deposits are free; some bank transfers may carry a 0.85% fee.
Non-trading fees headline: Most non-trading fees are low. Paper KID reissues cost €50 plus €0.30 per page. A €10 monthly inactivity fee can apply, but only under specific conditions.

1. Overview of XTB fee structure [250 words]

You will see three fee categories here. Trading fees include spreads and commissions. Non-trading fees include deposits, withdrawals, and paper-document costs. Conversion and financing costs cover currency margins and overnight interest (swap). Expect at least 3 fee types on many trades.
Headline numbers are simple. Many exchange stock trades are 0% commission up to €100,000 monthly. Above €100,000 monthly, commissions are 0.2% with a €10 minimum. Pro account traders pay $3.50 per side (≈ $7 round trip) plus tighter spreads. Currency conversion uses a 0.5% margin. Bank cash transfers can be 0.85% per transfer in EUR, USD, or HUF. Paper KID reissues cost €50 + €0.30 per page.
Understand account concepts. Standard accounts rely on spread-based pricing. Pro accounts use commission-based pricing with tighter spreads. Exchange stock trades execute on the exchange (real stock execution). CFD trades are derivative (synthetic) and include financing and spread. Expect different fee mechanics for exchange stocks vs CFDs.
Find the full fee table in your client office. Check the instrument-level pages for exact spreads and financing. Verify rule changes often. Always inspect the specific row for each instrument — fees can differ by market and product.

Best for: Traders who want a clear split of spreads vs commissions and immediate reference numbers.
Skip if: You want only broad estimates without instrument-level details.
Key points:
– 0% commission up to €100,000 monthly on many stocks.
– 0.2% commission above €100,000 monthly.
– €10 minimum commission on some stock charges.
– $3.50 per side on Pro accounts.
– 0.5% currency conversion margin on each FX conversion.
Watch out for: Fees vary by instrument row. Check the client office for the latest table.

2. Trading fees: spreads, commissions, and tiered charges [300 words]

Explain spreads vs commissions. Spreads are the difference between buy and sell prices. Commissions are fixed fees per trade or per side. Standard accounts use wider spreads and generally no per-trade commission on many stocks. Pro accounts use tighter spreads and charge $3.50 per side. Compare both to your trade sizes.
Give concrete commission examples. A Pro round trip costs about $7 per trade. Exchange stock trades are commission-free until you reach €100,000 in monthly turnover. If your monthly turnover exceeds €100,000, XTB charges 0.2% on amounts above that. Example: buy €2,000 of US stock — commission = €0 if your monthly total stays under €100,000. Example: buy €50,000 when you are already above threshold — commission = 0.2% × €50,000 = €100 (subject to €10 minimum rules). Small trades can hit the €10 minimum. A €200 stock trade with a €10 minimum results in an effective commission of 5%.
Cover fixed-fee tiers for some instruments. Notional tiers apply to instruments like ITA.40 variants. Sample tier list:
– 0–2,499 EUR → €0.25
– 2,500–4,999 EUR → €0.50
– 5,000–9,999 EUR → €1
– 10,000–49,999 EUR → €5
– 50,000–99,999 EUR → €10
– 100,000–499,999 EUR → €50
– 500,000–999,999 EUR → €100
– Over €1,000,000 → €50 (note anomaly per instrument table)
Explain spread behavior on FX, indices, and commodities. Pro gives lower spreads by several pips or points. Spreads vary by instrument and by volatility. Expect FX spreads from fractional pips on majors to multiple pips on minors. Indices and commodities spreads can widen during news or low liquidity hours.
Best for: Traders who need exact fee math for frequent or high-volume trading.
Skip if: You only place one or two large buy-and-hold equity trades per year.
Key points:
– $3.50 per side on Pro accounts.
– ≈ $7 round trip commission on Pro.
– 0% exchange stock commission up to €100,000/month.
– 0.2% commission above €100,000/month.
– €10 minimum commission on some stock commissions.
Watch out for: The €10 minimum can dominate small trades. Batch small orders to avoid hitting minimums.

3. Non-trading fees: deposits, withdrawals, documents, and inactivity [300 words]

Cover deposit mechanics. Card deposits are free for EUR, USD, and HUF. The first deposit is free of charge. Bank cash transfers in certain accounts may incur a 0.85% fee per transfer in EUR, USD, or HUF. Use card deposits to avoid the 0.85% charge when possible. Transfers must originate from a bank account in your name. Expect 1–5 business days for some bank transfers depending on banks.
Explain withdrawal mechanics. Withdrawals go to a bank account in your name previously added in the client office. Typical timing is 1–5 business days, depending on receiving bank. XTB does not cover intermediary or receiving bank fees. Expect receiving banks to charge from €0 to €25 in some cases. Use SEPA for EUR to minimize receiving fees.
Paper and administrative fees matter. Preparing and sending daily paper reports is free. Repeated paper KID delivery costs €50 plus €0.30 per page and courier expenses. Statements or cash information in paper form may be free for the first request but charged on repeated requests. Expect courier charges of €20–€50 depending on destination.
Inactivity and periodic fees exist. A monthly €10 inactivity fee may be charged, but only if two specific conditions are met simultaneously. Check the full terms for the exact triggers. Reporting services or delegated reporting may be free or charged per agreement.
Key numbers to remember:
– 0.85% bank cash transfer fee (EUR/USD/HUF).
– €50 + €0.30 per page for repeated paper KIDs.
– €10 possible monthly inactivity fee.
– Card deposits: €0 fee.
– Withdrawal delays: 1–5 business days typical.
Watch out for: Receiving banks often apply conversion or intermediary fees. Factor these into total transfer cost.

Best for: Investors who want to minimize non-trading charges and transfer fees.
Skip if: You plan to use only bank transfers without checking intermediary fees.

4. Currency conversion and financing costs [300 words]

Explain the XTB Exchange Rate. XTB applies a 0.5% margin on exchange rates for conversions. This margin applies on each conversion triggered by trading, corporate actions, or dividends. That means two conversions — opening and closing — each carry 0.5%. Round-trip FX cost can be about 1.0% in FX terms.
Show conversion examples. If you hold an EUR account and buy a USD stock worth $1,000, XTB converts EUR↔USD using a rate with 0.5% margin. If the mid-market rate is 1.10, XTB uses a rate that effectively costs 0.5% more. When you close the position, another 0.5% applies. Example math: 0.5% + 0.5% = 1.0% drag on your trade value in FX terms. On a $10,000 position, that is roughly $100 in FX drag round trip.
Cover financing on leveraged CFD positions. CFD financing (overnight swap) varies per instrument and is shown on the instrument page. Financing rates typically reference a base rate plus a spread. Expect daily financing on CFDs to be small percent points per annum, but it compounds. Example: a 5% annual financing rate on a leveraged CFD yields about 0.0137% per day. Over 30 days, that equals roughly 0.41% financing cost. XTB charges financing at the end of each day or monthly depending on instrument rules.
Explain interest on client funds. XTB reports a reference average for client funds ranging between 0% and 6.5% per year. Idle cash could earn rates in that 0%–6.5% range depending on policy. Check how often interest is applied; monthly credits are common.
Key points:
– 0.5% conversion margin per currency conversion.
– ≈1.0% total FX drag for round trip (open + close).
– Example: $10,000 USD position → ~$100 FX cost round trip.
– Financing example: 5% p.a. → ~0.41% for 30 days.
– Client funds interest range: 0%–6.5% p.a.
Watch out for: Currency margin applies to dividends and corporate actions too. Small FX costs compound over many trades.

Best for: Traders who trade instruments in non-account currencies or use CFDs with leverage.
Skip if: You hold only instruments quoted in your account currency and do not use leverage.

5. How fees differ by account type and instrument [300 words]

Lay out main account types. Standard accounts are spread-focused with no explicit per-trade commission on many stocks. Pro accounts are commission-focused: $3.50 per side plus tighter spreads. Exchange stock trading executes on exchanges; CFD trading uses spreads plus financing. CFD products never benefit from the exchange-stock 0% commission rule. Expect different cost profiles across four instrument groups: exchange stocks, ETFs, CFDs, and indices.
Give side-by-side numeric contrasts. Pro charges $3.50 per side. Standard charges €0 per stock trade up to €100,000 monthly. Above €100,000, stock commissions are 0.2% with a €10 minimum. For example, a trader with €200,000 monthly volume would face 0.2% on the excess over €100,000. If you trade FX or indices with high frequency, Pro’s $3.50 per side can pay off if your spread savings exceed $7 per round trip. Calculate break-even: if Pro reduces spreads by more than $7 per round trip, Pro pays.
Instrument-specific notes matter. ETFs and exchange stocks typically follow the stock commission rules: 0% up to €100,000 monthly, then tiered 0.2% above threshold with €10 minimum. CFDs charge spreads and financing; they may also show fixed notional fees for some indices (see tiers: €0.25 to €100 across notional ranges). Options and less liquid segments can have higher spreads or extra fees.
Practical recommendations:
– If you place >X trades monthly, run break-even math with $3.50 × 2 per trade.
– For buy-and-hold investors with few trades, Standard usually costs less.
– For scalpers or frequent intraday traders, Pro may save tens or hundreds per month depending on trade size.
Key points:
– Standard: spread-based pricing.
– Pro: $3.50 per side commission.
– Exchange stocks: 0% up to €100,000/month.
– CFDs: spread + financing; no 0% rule.
– Notional tier fees: €0.25 to €100 depending on size.
Watch out for: Run your own break-even calculation using your average trade size and monthly volume.

Best for: Traders who want direct comparisons between account types and instruments with numbers.
Skip if: You are indifferent to spread vs commission trade-offs.

6. Common fee traps and how to avoid them [250 words]

Summarize main fee traps with numbers. Currency conversion margin of 0.5% per conversion can meaningfully add up. A €10 commission minimum on stock commissions makes small trades expensive. Bank cash transfers may be charged 0.85% per transfer. Paper KID reissues cost €50 + €0.30 per page plus courier.
Give actionable avoidance tips. Keep your account currency aligned with your main trading currency to avoid the 0.5% conversion twice. Batch trades to avoid repeated €10 minimums. Use card deposits to avoid 0.85% bank transfer fees. Upload documents digitally to skip the €50 paper reissue fee and €0.30 per page. Verify receiving bank fees before making transfers; they can be €5–€25 or more.
Example scenarios that show the math:
– Small trade trap: a €200 stock buy with a €10 minimum equals 5% effective commission.
– FX drag trap: a EUR account buying a USD stock and selling later causes ~1.0% round-trip FX cost; on €5,000 that is ~€50.
– Transfer trap: a €10,000 bank transfer with 0.85% fee costs €85 extra.
Quick checklist to minimize fees:
– Use matching account currency (0.5% saved per conversion).
– Consolidate trades to stay above 0% commission threshold (€100,000 monthly limit applies per rule).
– Prefer digital statements and reports to avoid €50 + €0.30/page charges.
– Check bank fees for transfers; expect €0–€25 receiving fees and possible intermediary fees.
Watch out for: Country-specific rules or regulatory changes can alter fees. Verify in your client office before trading.

Best for: Traders who want immediate, actionable steps to cut fees.
Skip if: You only execute very large trades where these small traps are negligible.

Comparison table: account and fee quick comparison [120 words + table]

Use this compact table to compare Standard vs Pro vs Exchange Stocks vs CFDs across the most fee-relevant dimensions.

One-sentence summary: Choose Standard to avoid per-trade commissions but accept wider spreads, or Pro if you trade large volume frequently and benefit from tighter spreads despite per-side fees.

Closing — How to choose / Bottom line [120 words]

Decision tree:
– If you trade FX or indices frequently and place many small trades → choose Pro if your average round-trip commission ($7) is less than your spread savings per trade. Calculate with your average trade: multiply $3.50 × 2 per trade and compare to spread improvement in pips or points.
– If you buy and hold stocks or ETFs and trade fewer than 10–20 times per month → stay with Standard to avoid per-side commissions and benefit from 0% exchange stock commission up to €100,000 monthly.
– If you trade in a currency different from your account → set account currency to that market to save 0.5% per conversion (≈1.0% round trip).
– If you do many small trades (<€500 each) → batch orders to avoid €10 minimums and the 0.2% step for large monthly totals.
Run your own break-even math using at least these numbers: $3.50 per side, $7 per round trip, 0.5% conversion margin, 0.85% transfer fee, and the €10 commission minimum. Check your client office and instrument pages before you trade.