No. XTB charges 0% commission on real stock and ETF trades up to €100,000 of cumulative monthly turnover across your accounts. Above that, 0.2% with a €10 minimum applies to the part over the threshold. The threshold resets every calendar month and counts both buys and sells, and Investment Plan purchases count toward it.

Investment Plans are XTB’s free automated investing feature. You can run up to 10 plans per account, each holding up to 20 instruments, ETFs and stocks including US stocks, with each weighted between 5% and 100%. Plans start from €15, can be created in the mobile app or the web platform, and top up automatically on the amount and period you choose. Purchases are commission-free within the €100,000 monthly cap; the 0.5% FX fee may apply to non-EUR instruments.

XTB S.A. is a Polish investment firm authorised by the KNF and listed on the Warsaw Stock Exchange since 2016; it serves EU clients through local branches. It is not a bank. Client money is segregated from XTB’s own funds, and XTB S.A. clients are covered by the Polish KDPW compensation scheme up to €20,100 per investor, which does not cover Fractional Rights. In Germany, XTB states cash is held in trust at partner banks covered by the German deposit guarantee scheme up to €100,000. The KNF fined XTB PLN 9.9 million in 2018 over execution practices in 2014 and 2015, a decision upheld by Poland’s Supreme Administrative Court in 2023, and PLN 20 million in 2026 over appropriateness, target-market, conflict-of-interest and CFD risk-disclosure breaches in 2022 and 2023.

XTB adds 0.5% to its exchange rate whenever a stock or ETF trade, or a corporate action such as a foreign dividend, needs a currency conversion. Where no direct currency pair is quoted, it converts via USD and charges 0.5% at each step. Manual transfers between your own currency accounts cost 0.5%, or 0.8% at weekends and on holidays. If you hold a EUR account and buy EUR-denominated UCITS ETFs, the fee never applies.

Yes, but rates vary by country. XTB’s German branch pays a preferential rate for the first 90 days after account opening on the first €100,000 across all accounts, then a standard rate published on its interest page. Rates are variable and can change weekly; interest accrues daily and is paid within 5 working days of month end. Cash in the French PEA cash account earns no interest.

Under XTB S.A.’s fee table, €10 per month is charged only if you have opened or closed no position in the last 365 days and made no deposit in the last 90 days. It is not charged while you hold an open position on any account, and it never exceeds your remaining free funds. XTB’s German branch schedule charges no inactivity fee, and the French PEA has none.

It depends on the country. In Germany, XTB does not withhold tax: you declare it through self-assessment, working from the annual Erträgnisaufstellung XTB supplies. In Spain, XTB supplies a year-end portfolio statement for Modelo 720. In Portugal, interest may be subject to income tax withheld by XTB S.A. In France, XTB states the flat tax on a standard account is 31.4%, while PEA gains become income-tax-free after five years. In every country, US dividends are withheld at 30% because omnibus custody means treaty relief isn’t applied.

Yes. Outgoing transfers cost €25 per ISIN for most markets and 0.10% of value (minimum €100) per ISIN for Spain-listed securities. Transfers between your own xStation accounts cost 0.5% per ISIN (minimum €25), and closing the account is free. The alternative, selling to cash and re-buying elsewhere, avoids the fee but may trigger capital gains tax in your country.

No. XTB routes Dutch residents to XTB Limited (Cyprus), which offers stock and ETF CFDs but not real stocks or ETFs; XTB support confirmed this in September 2026. Investment Plans, which buy real ETFs and stocks, are therefore not available to Dutch residents.

XTB’s PEA, launched in 2025, is open to adults tax-domiciled in France: one per person, two per tax household, and not to adults still attached to their parents’ tax household. Contributions are capped at €150,000. Pricing is 0% commission up to €100,000 of monthly turnover, then 0.2% with no minimum, and there is no opening, account-keeping, custody, inactivity or closing fee. XTB’s FAQ lists 1,250+ eligible shares and 185 eligible ETFs. After 5 years, gains are exempt from income tax, with only the 18.6% social charges due. Transfers in from another PEA provider aren’t available yet.