Brokers With No Inactivity Fee (UK, 2026)
Looking for a UK trading platform that never charges you for doing nothing? Good news: 14 of the 15 share-dealing platforms available to UK investors in our dataset charge no inactivity fee at all. Only 1 still does — XTB— and only under specific conditions. Every entry below is read directly from each platform's published fee schedule, verified 17 August 2026.
Reviewed by Yaniv Barshaf, CPA · Fees verified 17 August 2026 · Our methodology
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UK share-dealing platforms: who charges an inactivity fee
Every UK-available share-dealing (non-CFD) platform in our dataset, split by whether it charges an inactivity fee. Terms are quoted exactly as published.
No inactivity fee (14)
| Broker | Inactivity fee | Details |
|---|---|---|
| AJ Bell | None | None |
| eToro | None | None (eToro removed the inactivity fee in 2026) |
| Fidelity | None | None |
| Freetrade | None | None |
| Hargreaves Lansdown | None | None |
| Interactive Brokers | None | None on the standard account (the inactivity fee was removed in 2021) |
| interactive investor | None | None |
| InvestEngine | None | None |
| Lightyear | None | None |
| Revolut | None | None |
| Robinhood | None | None |
| Trading 212 | None | None |
| Vanguard UK | None | None |
| Webull | None | None |
Lightyear
Best low-FX investing app for the UK and EU with interest on cash
Capital at risk. This is not financial advice. Investing involves risk of loss.
Charges an inactivity fee (1)
| Broker | Inactivity fee | Exact terms |
|---|---|---|
| XTB | £10.00/month | EUR 10/month, only after 365 days with no trade AND no deposit in the previous 90 days. Not charged on ISA accounts, where open positions are held, or on a zero balance. |
Fees read directly from each platform's published schedule, verified 17 August 2026. Amounts are shown in the currency the platform publishes them in. Always confirm the current terms on the provider's own fees page before opening an account.
What an inactivity fee is — and how to avoid it
An inactivity fee is a flat charge some brokers apply when your account sits idle for a set period — typically a fixed monthly or quarterly amount once you stop trading, and sometimes once you stop logging in or depositing too. It is unusual among broker charges because it is unrelated to anything you actually do: unlike commission or a currency-conversion (FX) fee, it takes money from you precisely when you are not using the platform. That makes it a particular hazard for buy-and-hold investors, who may deliberately leave a portfolio untouched for years, and for anyone with a small dormant account that a monthly fee could slowly erode.
The good news is that avoiding it is straightforward. The simplest approach is to pick one of the many platforms that charge nothing — the large majority of the UK market. If you already hold an account that levies a fee, you can usually sidestep it by meeting the platform's minimum activity requirement: XTB only applies its charge after a full year of inactivity with no deposit in the previous 90 days, so a single small deposit resets the clock. The exact trigger varies — some brokers look at trading, others at logins or deposits — so read the condition in the fee schedule rather than assuming. For the full picture across the market, see our inactivity fees compared guide.
Inactivity fees also rarely travel alone. A platform's total cost depends far more on its commission and, for anyone buying US or overseas shares, its FX fee — usually the largest recurring charge. Before choosing on the inactivity line alone, weigh the whole fee picture: see the cheapest brokers in the UK, ranked by real annual cost.
Brokers with no inactivity fee: frequently asked questions
Which UK brokers have no inactivity fee?
Most of them. Of the 15 share-dealing platforms available to UK investors in our dataset, 14 charge no inactivity fee at all: AJ Bell, eToro, Fidelity, Freetrade, Hargreaves Lansdown, Interactive Brokers, interactive investor, InvestEngine, Lightyear, Revolut, Robinhood, Trading 212, Vanguard UK, Webull. Only 1 still charges one, and even then only under specific conditions. Fees verified 17 August 2026.
What is an inactivity fee?
An inactivity fee is a flat charge — usually a fixed amount each month or quarter — that some brokers levy when you have not traded or, in some cases, not logged in or deposited for a set period. It is a fee for doing nothing, so it hits buy-and-hold investors and dormant accounts hardest. Unlike commission or FX fees, it is unrelated to any activity that benefits you, which is why more platforms have dropped it.
Does XTB really charge an inactivity fee?
Yes, but conditionally. XTB charges €10 a month, and only after your account has been inactive for a full year with no deposit in the previous 90 days. In other words, a simple deposit or occasional trade avoids it entirely. It is the only UK-available share-dealing platform in our dataset that still has an inactivity fee, which is why it stands out.
How do I avoid an inactivity fee?
The simplest route is to choose a platform that has none — the majority now. If you already hold an account that charges one, the fee is usually avoided by meeting the platform's minimum activity: placing an occasional trade, making a small deposit, or simply logging in within the required window. Check the exact trigger in the terms, because the condition (no trading vs no login vs no deposit) varies by broker.