XTB review: fees, markets and who it suits
0% commission on stocks and ETFs, with local-language support in many EU countries. Facts checked 18 October 2026.
Best for
Beginners who want low costs on ETFs and support in their own language.
Watch out for
The 0.5% currency conversion fee adds up if you buy foreign stocks. CFDs are not for beginners: most retail CFD accounts lose money.
Fees and facts
- Stocks and ETFs
- 0% up to €100,000 of monthly turnover, 0.2% above that (minimum €10)
- Currency conversion
- 0.5% on currency conversion
- Deposits and withdrawals
- Deposits and withdrawals free according to the price list
- Inactivity fee
- €10 per month after a year without a trade
- Markets
- more than 2,300 ETFs and thousands of stocks
- Crypto
- cryptocurrencies as CFDs only
- Fractional shares
- Yes
- Demo account
- Yes
- CFDs offered
- Yes
- Regulation
- XTB S.A. (Polish regulator KNF), with branches in other EU countries
Fees are taken from the provider's own price list.
How XTB makes money
XTB earns mostly from CFD spreads and currency conversion, which is why stocks and ETFs can be commission-free.
Pros
- No commission on stocks and ETFs within the monthly limit
- Low minimum deposit
- Fractional shares and a demo account
- Regulated in the EU
Cons
- Limited crypto, only as CFDs
- Wider spreads on CFDs
- 0.5% currency conversion fee
Investing carries risk and you can lose money. CFDs are complex and most retail accounts lose money. This is information, not investment advice. How we make money.