We compared XTB’s fees with two similar brokers we selected, eToro and Capital.com. These competitors were selected based on objective factors like products offered, client profile, fee structure, etc. See a more detailed comparison of XTB alternatives.

Commission-free real stock and ETFs

It’s extremely great as XTB has commission-free US stock trading.

XTB provides real stocks and ETFs only for UK and EU customers (EU customers who are onboarded under XTB’s Polish entity).
There is no commission for stocks and ETFs if you trade less than €100,000 in a month. While favorable, this is still not the best offer on the market, as some competitors such as eToro or Capital.com offer commission-free trading without any limitations.

Low FX fees

All fees are built into the spread, so there is no separate commission charged. For example, the EUR/USD spread is 0.8.

Low index CFD fees

All index CFD fees are built into the spread. The spread for S&P 500 index CFDs is 0.5.

Low inactivity fee, no withdrawal fee

There is no account fee, no deposit fee for bank transfer deposits, and no withdrawal fee for bank transfer withdrawals above a certain threshold (between $50-$200 depending on your country of residence).
The fee charged for credit/debit card or electronic wallet deposits depends on your country of residence. The fee charged for these transfers is usually up to 2%. For example, for UK customers, credit/debit card transfers are free of charge but USD transfers via electronic wallets carry a 2% fee.
Lastly, there is a €10 monthly fee after one year of inactivity.

Other commissions and fees

Low stock CFD fees: all stock CFD fees are built into the spread. The spread for Apple stock CFDs is 0.6.

Check out this article for a detailed analysis of all the fees, commissions and other charges levied by XTB.