XTB Fee Calculator: What Will XTB Really Cost You?
Use this free calculator to estimate your real annual cost of investing with XTB. Stocks and ETFs are commission-free up to €100,000 of monthly turnover, withdrawals are free above €100, and the inactivity fee is easily avoided — so for most investors the cost that matters is the 0.5% currency-conversion fee. Compare XTB against rivals using fee data verified 17 August 2026.
Reviewed by Yaniv Barshaf, CPA · Fees verified 17 August 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
What will each broker actually cost you?
Enter the portfolio you actually hold. We calculate every charge — dealing commission, platform and custody fees, subscriptions, FX, dividend and withdrawal fees — and rank the brokers by what you would really pay.
On a £10,000 portfolio with 12 trades a year, the cheapest option is InvestEngine at £0.00/year. The most expensive charges £188/year.
Choosing the cheapest saves £188 a year — and £940 over five years, once you account for the growth those fees never earned.
XTB would cost you £5.00/year on this portfolio — rank 7 of 15, £5.00 more than InvestEngine.
| Broker | Plan | Per year | Over 5 years | Actions |
|---|---|---|---|---|
| InvestEngineCheapest | DIY portfolio | £0.00 | £0.00 | |
| Robinhood | Robinhood UK | £1.00 | £5.52 | |
| Lightyear | UK GIA / ISA | £1.00 | £5.52 | |
| Trading 212 | Invest account | £1.50 | £8.29 | |
| Webull | Webull Go (UK) | £5.00 | £28 | |
| Revolut | Standard plan | £5.00 | £28 | |
| XTB | XTB account | £5.00 | £28 | |
| Freetrade | Basic (free) | £9.90 | £55 | |
| eToro | eToro account | £11 | £61 | |
| Interactive Brokers(we earn nothing from this platform) | IBKR Fixed pricing | £36 | £182 | |
| Vanguard UK(we earn nothing from this platform) | Vanguard account | £48 | £240 | |
| AJ Bell(we earn nothing from this platform) | AJ Bell account | £93 | £476 | |
| interactive investor(we earn nothing from this platform) | Core (£5.99/mo) | £127 | £639 | |
| Hargreaves Lansdown(we earn nothing from this platform) | HL account | £128 | £659 | |
| Fidelity(we earn nothing from this platform) | Fidelity account | £188 | £940 |
What five years of fees adds up to
Includes the growth those fees would have earned had they stayed invested.
- InvestEngine£0.00
- Robinhood£5.52
- Lightyear£5.52
- Trading 212£8.29
- Webull£28
Estimates only, based on each broker's published fee schedule as verified on 17 August 2026. Fund ongoing charges are shown separately because they are paid to the fund manager and are the same whichever broker you use. Fees quoted in another currency are converted at a fixed reference rate so that every figure on this site is reproducible. See our methodology. Capital at risk. This is not financial advice. Investing involves risk of loss.
How the XTB calculation works
For a typical retail investor, XTB's per-trade commission is zero: the 0.2% commission (minimum €10) only kicks in above €100,000 of monthly turnover, which few private investors reach. The calculator therefore drives XTB's cost primarily from the 0.5% FX fee, applied when you tick the currency-conversion option — the realistic scenario for GBP and EUR investors buying US-listed stocks and ETFs. Withdrawals are modelled as free (they are, above €100). The €10-per-month inactivity fee only applies after a full year with no trading and no recent deposit, so an occasional trade keeps it at zero. As always, this is an estimate from published schedules, verified 17 August 2026, not a personalised quote. Capital at risk.
Where XTB lands against rivals
XTB usually lands in the middle of the cost table: cheaper than eToro (which adds a $1–$2 commission per stock trade on top of a ~0.75% FX fee), but more expensive than Trading 212 (0.15% FX) for investors who convert currency often. What the raw numbers miss is the platform: xStation's charting, screeners and research are a genuine step up from app-only rivals, and XTB's parent is publicly listed in Warsaw with FCA and CySEC regulation. If the calculator shows XTB costing you, say, £35 a year more than Trading 212 for your profile, the question becomes whether the platform depth is worth that. UK investors needing an ISA wrapper are covered: XTB offers a flexible Stocks and Shares ISA with no platform fee.
Frequently Asked Questions
Does XTB really charge no commission?
Yes, on real stocks and ETFs up to €100,000 of monthly turnover — beyond that a 0.2% commission (minimum €10) applies. Most retail investors never reach the cap, so their effective commission is zero. The everyday cost is the 0.5% FX fee instead.
What is XTB's main cost for UK investors?
The 0.5% currency-conversion fee when buying assets priced in another currency, such as US stocks from a GBP account. On £1,000 that is about £5, applied again when converting back. Commission is zero for normal volumes and withdrawals above €100 are free.
Is XTB cheaper than eToro?
For most profiles, yes. XTB charges no per-trade stock commission for normal volumes and a 0.5% FX fee, while eToro charges $1–$2 per trade plus roughly 0.75% FX. Enter your own trade size and frequency in the calculator to see the annual gap.