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Fee check

XTB Inactivity Fee Explained

XTB's €10/month inactivity fee needs BOTH a year without trades AND no deposit in 90 days — ISAs exempt. What the official fee table says.

Updated 25 Aug 2026 · 5 min readBy Aleksandr Filatov · How we check facts

Quick answer

XTB charges 10 EUR (or currency equivalent) per month — but only when two conditions hold at once: no position opened or closed on the account for the last 365 days, AND no cash deposit in the last 90 days. UK ISA accounts are exempt entirely, no fee is charged while a position is open, and the charge stops the moment you trade again. Several ranking guides present the two conditions as alternatives — implying you could be charged while actively trading — and one quotes "$11/month". XTB's own fee table (14.03.2026), read first-hand by Clarytrade, supports neither.

XTB inactivity fee: quick answer

Question	Short answer	Where it's written
Does XTB charge an inactivity fee?	Yes — €10/month, but only under two simultaneous conditions.	Fee table 14.03.2026, Section 1
Condition one	No position opened or closed on the account in the last 365 days.	Fee table footnote
Condition two	No cash deposit in the last 90 days.	Fee table footnote
Are ISAs charged?	No — ISA accounts are explicitly exempt.	Help centre
How does it stop?	Immediately, on your next trade — and it can't restart for at least 12 months after that.	Help centre
What is it taken from?	Free (uninvested) funds only.	Help centre

The two-condition rule most guides get wrong

The fee needs both conditions at once: a full year without opening or closing a position, and no deposit in the last 90 days. That second condition matters more than it looks — a single deposit inside 90 days keeps the account fee-free even after years without a trade, and any trade resets everything. Some ranking guides join the two conditions with "or", which would mean charging someone who traded yesterday; the official table joins them with "and". Another widely-ranked page states the fee as "$11 per month" — the table says 10 EUR or the equivalent in your account currency.

Worth knowing, per XTB's help centre: while you hold an open position, no inactivity fee is charged at all — the clock concerns accounts that have gone fully quiet, not portfolios sitting on long-term holdings. And UK ISA accounts are exempt entirely, a detail most summaries omit.

Withdrawal fees: the entity split nobody mentions

Related and routinely misreported: whether XTB charges to withdraw depends on which legal entity holds your account. The EU and UK entities' fee tables show withdrawals at zero with no minimum. XTB International (the Belize entity that onboards most clients outside the EU/UK) charges when the amount is small — its pages describe a USD 30 fee below roughly USD 50 (elsewhere expressed as €10 below €100). XTB's own EU help answer says simply "free, no minimum" — true for EU clients, wrong for Belize-entity clients. Check which entity is likely for your country with our entity decoder.

Check the live document, not cached copies

At the time of writing, several officially-indexed XTB inactivity-fee pages return 404 while still ranking in search, and the fee-table PDF that search engines surface is dated January 2026 — older than the 14.03.2026 table this guide is read from. Fees change; the live help centre and the current dated fee table are the only versions that count. The XTB scan lists every licence with its verification status.

How we checked this

XTB help centre — inactivity fees — The current rule, read live 2026-08-25 (several older official copies of this page now return 404 while still appearing in search results) · read 25 Aug 2026
Table of XTB's Commissions and Fees, dated 14.03.2026 — Section 1, footnote 1 — the binding fee-table wording · read 25 Aug 2026

Documents are read first-hand at the date shown; terms can change after our review. Method: how we check facts · corrections log.

Common questions

Does XTB charge an inactivity fee?

Yes: 10 EUR (or currency equivalent) per month, but only when two conditions hold simultaneously — no position opened or closed on the account in the last 365 days AND no cash deposit in the last 90 days. ISA accounts are exempt, and no fee applies while a position is open. Per XTB's fee table dated 14.03.2026, read first-hand.

Is XTB's inactivity fee $11 a month?

No. The official fee table states 10 EUR per month (or the equivalent in your account currency). The "$11" figure circulating on some review sites appears to be a converted approximation presented as the fee itself.

Does holding shares stop XTB's inactivity fee?

XTB's help centre states no inactivity fee is charged while a client has an open position. Independently of that, any position you open or close resets the 12-month condition, and any deposit resets the 90-day condition. Don't rely on third-party wording about "waivers" — check the current fee table, which is the binding text.

How do I stop XTB's inactivity fee once it starts?

Trade once: the fee stops immediately on the next opened or closed position and cannot restart until at least 12 months after that trade. A deposit also resets the 90-day condition. If you're leaving for good, withdraw your balance — the fee is deducted from free funds.

Does XTB charge withdrawal fees?

It depends on the entity. The EU and UK entities show zero withdrawal fees with no minimum. XTB International (Belize), which onboards most non-EU/UK clients, charges on small withdrawals — around USD 30 below roughly USD 50, described elsewhere as €10 below €100. Check which entity would onboard you before relying on the "free withdrawals" answer.

Next step

See the full research file on XTB — regulation evidence, real costs and withdrawal friction — or compare it with alternatives available in your country.

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Informational research only — not financial advice. Fees, terms and regulatory status change; verify directly with the provider and on official registers before depositing.