Trading with XTB will involve fees from $0 USD / R 1600 ZAR, spreads from 0.05 pips to 0.07 pips, and commission-free trading depending on the account traders select. A Minimum Deposit is not required but recommended at $0 USD / R0 ZAR.
What are the XTB fees, spreads, and commissions?
XTB fees, spreads, and commissions refer to the trading costs clients pay when buying or selling CFDs, forex, indices, commodities, shares, and ETFs through the broker’s platforms. XTB offers competitive variable spreads from as low as 0.1 pips on major forex pairs, zero commission on selected real stocks and ETFs up to monthly limits, and transparent overnight swap fees depending on the asset class and trading position.
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| 🥇 |  | Read Review | ASIC, FSA, CBI, BVI, FSCA, FRSA, CySEC, ISA, JFSA | $100 | 
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| 🥈 |  | Read Review | FSCA, FCA, DFSA, FSA, CMA | $0 |
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| 🥉 |  | Read Review | CySEC, MWALI, FSCA | $25 |
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| 4 |  | Read Review | ASIC, CySEC, FSA, SCB | $200 |
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| 5 |  | Read Review | FSA, FSCA | $250 |
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| 6 |  | Read Review | FSA, FSC, FSCA, ASIC, CMA | $20 |
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| 7 |  | Read Review | FSC, FSCA | $50 |
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| 8 |  | Read Review | ASIC, CySEC, FSCA, FSA, FSC, CMA | $100 |
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| 9 |  | Read Review | ASIC, CySEC, IFSC, DFSA, FCA | $5 |
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| 10 |  | Read Review | FSA, CySEC, FSCA, FSC | $10 |
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XTB Fees, Spreads, and Commission - Key Point Quick Overview
- ☑️Overview
- ☑️XTB Fees, Spreads, and Commission
- ☑️XTB at a Glance
- ☑️XTB Customer Reviews
- ☑️Pros and Cons
- ☑️Conclusion
- ☑️Frequently Asked Questions
Overview
- XTB is one of the largest, global stock exchange-listed FX & CFD brokers with more than 15 years of experience in the field.
- XTB has offices in over 13 countries across the globe and provides clients with a proprietary trading platform plus dedicated customer support.
XTB Fees, Spreads, and Commission
- Trading with XTB will involve fees from $0 USD / R 0 ZAR, spreads from 0.05 pips to 0.07 pips, and commission-free trading depending on the account traders select.
| 🔎 Account | 🥇 XTB Standard | 🥈 XTB Swap Free |
| 💰 Required Min. Deposit | None | None |
| ☑️ Recommended Min. Deposit | $100 USD / R1600 | $100 USD / R1600 |
| ➕ Max Leverage | 1:500 | 1:500 |
| ➖ Min. Spread | 0.5 | 0.7 |
| 📊 Stock CFDs | No Commission | No Commission |
| 📈 ETF CFDs | No Commission | No Commission |
| ⚙️ Crypto | No Commission | N/A |
| 📝Sign up | 👉 Open Account | 👉 Open Account |
Does XTB charge trading commissions?
For most instruments on the Standard Account, XTB does not charge commissions—costs are included in the spread. However, stock and ETF CFDs may incur a small commission, typically starting from 0.08% per trade.
What are the typical spreads offered by XTB?
XTB offers competitive spreads, starting from 0.1 pips on major forex pairs like EUR/USD. Spreads may vary based on market conditions, account type, and asset class, but are generally low and transparent.
XTB at a Glance
| 🔍Broker |  |
| 📜 FSCA regulated | Yes |
| 🕖 Time to open an account | Within minutes (usually under 24 hours) |
| 🗺️ Service Description | Global multi-asset broker with access to forex, indices, stocks, and more |
| 🚀Bonus | Occasionally offered (region-specific) |
| 🎁 Sign Up Bonus | Not always available; check promotions page |
| 🥇Publicly Traded (Listed Company) | Yes – Listed on the Warsaw Stock Exchange (WSE: XTB) |
| 🗺️ Country of regulation | UK, Poland, Cyprus, UAE, Belize |
| 🔥Trust Score | 90+/100 – Very High Trust |
| 🔥Live support | Available via live chat, phone & email |
| 📱 MetaTrader 4 (MT4) | Not supported |
| 📱 MetaTrader 5 (MT5) | Not supported |
| 📊Trading Islamic Account | Yes – Swap-free account available |
| 💳 Deposit with credit card | Yes |
| 💱 Number of base currencies supported | 5+ (USD, EUR, GBP, HUF, and more) |
| 💰 Spreads | From 0.1 pips (floating) |
| 💰Leverage | Up to 1:500 (depending on region & account type) |
| 💰Currency Pairs (Total Forex pairs) | 50+ |
| 💰 Withdrawal fee amount | Free for bank transfers above the minimum threshold |
| 💰 Trading fees class | Low to moderate |
| 💰 Minimum deposit | $0 (varies slightly by region) |
| 💰 Inactivity fee charged | Yes – $10/month after 12 months inactivity |
| 🔢 Number of clients | 500,000+ worldwide |
| 📙 Website Languages | 15+ (including English, Spanish, Polish, Arabic, etc.) |
| 💵 Account currencies | USD, EUR, GBP, HUF, PLN |
| 📙 PAMM | Not supported |
| ✔️ Scalping Allowed | Yes |
| ✔️ Scalping | Supported |
| 🗺️ Hedging | Yes |
| ✔️Safety of Funds | Client funds are held in segregated accounts |
| 📙 Demo Account Description | Free, unlimited use, preloaded with virtual funds |
| 📍 Sponsership | Active – includes sports (e.g., football club deals) |
| 📍 Partnership | Affiliate and IB (Introducing Broker) programs available |
| 📝Sign up | 👉 Open Account |
XTB Customer Reviews
- XTB receives generally positive reviews from traders, with many praising its user-friendly xStation 5 platform, low trading costs, and strong educational resources.
- While some users mention delays in verification or withdrawals, overall satisfaction remains high.
| 🔍Aspect | 🔖Details |
| 🌟Overall Rating | ⭐⭐⭐⭐☆ (4.0/5) – Generally positive across major platforms |
| 👏Customer Satisfaction | Most users highlight platform reliability and low fees |
| 📞Customer Service | Responsive and helpful support via live chat, phone, and email |
Customers Ratings
| 🌐 Platform | 📝 Feedback Summary | ⭐ Rating |
 | Positive on transparency and execution speed | ⭐⭐⭐⭐☆ |
 | Mixed reviews; some concerns on account verification | ⭐⭐⭐☆☆ |
 | High marks for ease of use and education tools | ⭐⭐⭐⭐☆ |
 | Generally positive on platform design and mobile trading | ⭐⭐⭐⭐☆ |
 | Limited reviews; some regional service complaints | ⭐⭐⭐☆☆ |
 | Praised for support, tools, and pricing | ⭐⭐⭐⭐☆ |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Strong regulation in multiple regions (e.g., FCA, CySEC) | Not available in the US or Canada |
| Tight spreads and low commission accounts for certain regions | Fees on stock CFDs can be higher compared to some competitors |
| xStation 5 and MetaTrader 4 (MT4) for various trader levels | Fewer account options compared to some brokers |
| Offers comprehensive training materials and market analysis | Does not offer MT5 platform, which some traders may prefer |
| Reliable and fast order execution with no dealing desk intervention | Lacks promotional bonuses or incentives |
| Accessible to beginners as no minimum deposit is required | Charges an inactivity fee after 12 months of no trading activity |
Conclusion
Overall, trading with XTB will involve fees from $0 USD / R 0 ZAR, spreads from 0.05 pips to 0.07 pips, and commission-free trading depending on the account traders select.
You might also like:
XTB ReviewXTB Account Types OverviewXTB Demo Account – Step by StepXTB Minimum Deposit XTB Sign up Bonus
Frequently Asked Questions
What fees does XTB charge for forex trading?
XTB charges spreads on most forex CFD trades, while commissions depend on the account type and asset traded. Standard accounts are usually commission-free, but overnight swap fees and currency conversion costs may still apply when positions remain open overnight.
Are XTB spreads fixed or variable?
XTB mainly offers variable spreads, meaning spreads change depending on market volatility and liquidity conditions. During major news releases or volatile trading sessions, spreads can widen, while highly liquid periods often provide tighter pricing for forex, indices, commodities, and stock CFDs.
Does XTB charge commissions on trades?
XTB commissions depend on the trading instrument and account structure selected by the trader. Forex trading on standard accounts is typically commission-free, while certain CFDs, stocks, ETFs, or professional trading conditions may include a separate commission charge alongside market spreads.
What is the average spread on XTB EUR/USD trades?
The average EUR/USD spread at XTB is generally competitive compared to many global forex brokers. Spreads can start from low levels during active market hours, although the exact pricing changes continuously depending on liquidity, volatility, account type, and market conditions.
Does XTB charge overnight or swap fees?
Yes, XTB applies overnight swap fees when leveraged CFD positions remain open after the daily market rollover. Swap charges vary by instrument, trade direction, interest rate differentials, and holding duration, making them important for swing traders and long-term CFD investors.
Are there inactivity fees at XTB?
XTB may charge an inactivity fee if no trading activity occurs within a specified period and the account remains dormant. Traders should review the broker’s latest fee schedule because inactivity policies, grace periods, and applicable charges can vary by jurisdiction and account type.
Does XTB charge deposit or withdrawal fees?
XTB generally offers free deposits through many popular payment methods, although third-party banking charges may still apply. Withdrawals above the broker’s minimum threshold are usually free, while smaller withdrawal requests could include processing fees depending on the payment provider used. How competitive are XTB trading fees compared to other brokers? XTB is widely regarded as a competitive broker for forex and CFD pricing, especially for active traders seeking low spreads and transparent trading conditions. However, overall trading costs still depend on spreads, swaps, commissions, and the trader’s preferred financial instruments.
Does XTB charge currency conversion fees?
Yes, XTB may apply currency conversion fees when traders deposit, withdraw, or trade instruments denominated in a different base currency from their trading account. These conversion charges can slightly increase total trading costs for international traders managing multiple currencies.
Can traders reduce trading costs with XTB?
Traders can reduce overall trading costs at XTB by trading during highly liquid market sessions, choosing lower-spread instruments, avoiding unnecessary overnight positions, and selecting the most suitable account type. Effective risk management and strategic execution also help minimize long-term expenses.
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