Personal Finance

XTB fees and investment costs - UK guide 2026

Emma-Jane Stogdon

31.07.26

Read time 3 minutes

Disclaimer: The information in this article is for reference purposes only and should not be considered financial advice. All investment decisions should be made after thorough research and consultation with a qualified financial advisor. Remember that investments, even in low-risk funds, are never guaranteed, and your capital is at risk.

Thinking of trading with XTB? The Warsaw-based investment platform is popular in the UK, offering trading in thousands of global stocks, ETFs and commodities. It also offers ISAs and investment plans.

Before you sign up with XTB or any other investment platform, it’s a good idea to find out the costs involved.

This guide covers all of XTB’s fees, including account fees, FX costs, trading/commission fees, withdrawal charges and more.

This can help you compare it to other providers and make sure you’re getting the best deal. After all, fees can eat into your investment returns.

We’ll also show you how to minimise or avoid some of them altogether, using multi-currency solutions such as Wise.

➡️ Learn more about the Wise account

When investing, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you put in. Tax treatment depends on your individual circumstances and may be subject to future change. The content of this article is provided for informational purposes only and is not intended to be, nor does it constitute, any form of personal advice.

Investments in a currency other than GBP are exposed to currency exchange risk. Currency exchange rates are constantly changing, which may affect the value of the investment in GBP terms. You could lose money in GBP even if the stock price rises in the currency of origin. Stocks listed on overseas exchanges may be subject to additional dealing and exchange rate charges, and may have other tax implications, and may not provide the same, or any, regulatory protection as in the UK.

XTB fees

Here’s an at-a-glance look at the main XTB fees you need to know about:¹

Fee/transaction type	XTB fees
Account fee	None (for active accounts)
Custody fees	* None up to €250,000 EUR * After that, 0.02% per annum (min. £10)
Trading/commission fees	* Free up to monthly turnover of €100,000 EUR * After that, 0.2% (min. £10)
Currency conversion fee	0.5%
Deposits/withdrawals	Free
Inactivity fee	£10/month after 12 months of inactivity

📚 XTB investment platform review

XTB account fees and custody charges

The great news is that there are no XTB account fees to worry about. You can sign up for free and pay no monthly subscription or plan fees, with no minimum deposit required either.

However, a custody fee of 0.02% per annum (min. £10) will apply if your average portfolio value exceeds €250,000 EUR or the currency equivalent.¹

A custody fee is typically charged by investment platforms for the safekeeping, administration and reporting of your assets.

Trading/commission fees

Like some other investment platforms, XTB does have some commission fees for buying or selling shares.

They don’t apply to many investors, as you can trade up to a volume of €100,000 EUR a month without any XTB trading fees. Exceed this threshold though and there’s a fee of 0.2% (min. £10) to pay on the excess.¹

Foreign exchange fees

XTB charges foreign exchange (FX) fees when you trade overseas stock. This is for converting the share price into GBP.

It’s a flat fee of 0.5% for every conversion, and this applies to trading activity with both Stocks & ETFs, and CFD instruments.¹

📚 XTB forex fees

Does XTB charge inactivity fees?

Yes, if you don't use your account for 12 months, an XTB inactivity fee of £10 a month will apply. This is only if all three of these apply at the same time:¹

You haven’t opened or closed a position on the account in 365 days
You haven’t made a cash deposit within the last 90 days
Your account isn’t an ISA.

Does XTB charge withdrawal fees?

No, XTB doesn’t charge fees for withdrawing your money from the platform.

It also has no fees for making deposits to your account, but warns that some deposit methods may involve additional fees charged by payment providers. So, it’s worth checking these before making a deposit.

Why a Wise account is a must-have for global investors

When trading on overseas markets, the FX fees charged by investment platforms can soon add up - and start eating into your returns.

There is a solution though - you can use Wise to avoid or minimise foreign exchange fees when investing.

Open a Wise account and you can access local account details in USD, EUR, GBP, AUD and more. This means you can hold funds in your chosen currency until you’re ready to invest, then use your Wise account to fund your transaction on XTB or your chosen investment platform.

You can even set up exchange rate alerts so that you can wait for the time and the rate that suits you.

💹 Set up rate alerts

Convert currencies within Wise at the mid-market exchange rate with low, transparent fees starting from just 0.24%*.

This gives you flexibility over your FX conversions, which could help reduce your overall transfer costs.

➡️ Learn more about the Wise account

Sources used:

1. XTB - Table of XTB’s Commissions and Fees

Sources last checked 13-Jul-2026

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.