An independent look at XTB's fees, features, and who it tends to suit - not a recommendation.
XTB is a Poland-founded, publicly listed broker offering stocks, ETFs, and CFDs. It combines a €0 commission structure for standard trading volumes with automated Investment Plans, aimed at both new and more active investors.
| Stock commission | €0 (up to €100,000/month), then 0.2% (min €10) |
|---|---|
| ETF commission | €0 (up to €100,000/month), then 0.2% (min €10) |
| FX fee | 0.5% |
| Inactivity fee | €10/month, after prolonged inactivity |
| Minimum investment | $10 per instrument |
XTB offers commission-free trading on stocks and ETFs for investors trading under €100,000 per month - comfortably covering most retail, buy-and-hold investors. Above that volume, a 0.2% commission applies.
XTB supports fractional shares, allowing investment from as little as $10 per instrument.
XTB offers "Investment Plans" - a way to set up recurring, automated purchases into chosen stocks or ETFs on a schedule you define.
XTB operates through multiple regulated entities depending on client location, including the FCA (UK), the KNF (Poland), and CySEC (Cyprus).
XTB tends to suit investors who want commission-free trading combined with automated Investment Plans, and who trade comfortably within typical retail volumes (under €100,000/month).
Does XTB charge commission on stocks and ETFs?
€0 up to €100,000 in monthly volume; 0.2% (min €10) above that.
Does XTB offer automatic investing?
Yes, via Investment Plans - recurring, automated purchases on a set schedule.
Is XTB regulated?
Yes, through the FCA (UK), KNF (Poland), and CySEC (Cyprus), depending on the client's entity.
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