How much does XTB cost for ETFs in Ireland?

XTB charges 0% commission on stock and ETF trades up to €100,000 of monthly turnover; above that, the fee is 0.2% (minimum €10) on the excess. There is no custody fee up to €250,000 of holdings (0.02% per year above that). The two costs to watch are a 0.5% currency conversion fee, higher than DEGIRO (0.25%), Trading 212 (0.15%) or Interactive Brokers, and a €10 per month inactivity fee that applies if you make no trades for 12 months and no deposit in the prior 90 days. For an active euro-funded ETF investor under the turnover cap, the trading cost is effectively zero.

Is XTB safe and is it regulated in Ireland?

XTB serves Irish clients under CySEC (Cyprus) regulation, passported into Ireland under MiFID, it is not supervised by the Central Bank of Ireland. Investor compensation is up to €20,000 under the Cyprus Investor Compensation Fund. XTB is a publicly listed company on the Warsaw Stock Exchange, which brings a degree of financial transparency through public reporting. EU passporting is a normal basis for serving Irish investors, but if you specifically want a CBI-regulated broker, XTB is not one.

Does XTB report Irish ETF tax for you?

No. XTB does not produce an Ireland-specific Exit Tax report. As with DEGIRO and Trading 212, you self-assess from your transaction history: compute the euro gain, apply the 38% exit tax, and track the 8-year deemed disposal date yourself. Only Davy Select among the commonly-used Irish-accessible brokers posts an annual Irish tax pack.

Is XTB a CFD broker or can I buy real ETFs?

Both, and the distinction matters. XTB is best known as a CFD and forex platform, and CFDs are high-risk leveraged products: XTB's own disclosures state that around 75% of retail CFD accounts lose money. But XTB also offers a real stocks-and-ETFs investing account, where you own the actual UCITS ETF, not a CFD on it. If you use XTB, make sure you are buying real ETFs in the investing account and not trading CFDs. This review is about the ETF investing side only.

Brokers Last Fact-Checked: 24 July 2026 · 7 min read

XTB Ireland Review: 0% ETF Commission, Wide Range, and the Catches

XTB gives Irish investors 0% commission on ETFs up to €100,000 of monthly turnover and one of the widest fund ranges around, on a polished platform. The catches: a higher 0.5% FX fee, an inactivity fee, Cyprus regulation, and a CFD-first business you'll want to steer around.

Not financial advice. The information on etf.ie is for educational purposes only and does not constitute financial, tax, or investment advice. ETF investing involves risk, including the possible loss of capital. Tax rules may change — always verify current Revenue guidance and consult a qualified financial adviser or tax professional before making investment decisions.

XTB is a large, well-marketed platform with a genuinely strong ETF offering, but it comes from the CFD-and-forex world, so an Irish ETF investor needs to know which parts to use and which to ignore. This review covers the ETF investing account: the costs, the range, the regulatory position, and the two fees that catch people out.

A note before you sign up: XTB is best known for CFDs, high-risk leveraged products. XTB's own disclosures state that around 75% of retail CFD accounts lose money. This review is about XTB's real stocks-and-ETFs investing account, where you own the actual UCITS ETF. If you use XTB, make sure you're buying real ETFs, not CFDs on them.

ETF commission	0% up to €100,000/month turnover; 0.2% (min €10) above
FX fee	0.5%, higher than most rivals
Custody fee	None up to €250,000 (0.02%/yr above)
Inactivity fee	€10/month if no trades for 12 months and no deposit in 90 days
Regulation	CySEC (Cyprus), passported into Ireland (not CBI)
Compensation	€20,000 (Cyprus Investor Compensation Fund)
Irish tax report	No, self-assess exit tax & deemed disposal
ETF range	2,000+ UCITS ETFs with a built-in scanner
Fractional shares	Yes

Fees verified against xtb.com on 24 July 2026. Terms can change, confirm current details before opening an account.

Cost: free to trade, but mind the FX and inactivity fees

On trading cost, XTB is competitive: 0% commission on stock and ETF trades up to €100,000 of monthly turnover, far more than most retail investors will ever trade in a month, with 0.2% (minimum €10) on any excess. There's no custody fee up to €250,000 of holdings. For a normal euro-funded ETF buyer, trading is effectively free.

Two fees are the catch. First, currency conversion is 0.5%, the highest of the low-cost brokers (DEGIRO is 0.25%, Trading 212 0.15%, Interactive Brokers near-interbank). Fund in euro and buy euro-listed ETFs and you avoid it, but if you trade USD-listed funds it adds up. Second, there's a €10 per month inactivity fee if you make no trades for 12 months and haven't deposited in the prior 90 days, easy to trip if you're a buy-and-hold investor who goes quiet.

The upside is range: 2,000+ UCITS ETFs with a built-in scanner, plus fractional investing, so you can build a precise portfolio.

Regulation and safety

XTB serves Irish clients under CySEC (Cyprus) regulation, passported into Ireland under MiFID, not the Central Bank of Ireland. Investor compensation is up to €20,000 under the Cyprus Investor Compensation Fund. A point in its favour: XTB is publicly listed on the Warsaw Stock Exchange, so its finances are subject to public reporting and scrutiny. If CBI supervision specifically matters to you, though, XTB doesn't have it, Interactive Brokers or Davy Select do.

Tax: the usual Irish self-assessment

Like DEGIRO and Trading 212, XTB gives you no Ireland-specific tax report. You work out the euro gain, apply the 38% exit tax , and track the 8-year deemed disposal date from your own transaction records. Our Irish ETF tax guide and filing walkthrough cover how.

Who XTB is, and isn't, for

A good fit if you:

• Want a wide ETF range and a polished platform
• Trade actively enough to avoid the inactivity fee
• Fund in euro and buy euro-listed funds (avoiding the 0.5% FX)
• Value a publicly listed, transparent provider

Look elsewhere if you:

• Are a quiet buy-and-hold investor (inactivity fee risk)
• Buy USD-listed funds often (0.5% FX is steep)
• Specifically want a CBI-regulated broker
• Worry you might drift into the CFD side

The honest verdict: XTB's 0% commission and huge ETF range make it a genuine option for an active euro-funded investor, and being publicly listed is reassuring. But the 0.5% FX, the inactivity fee, and the CFD-first heritage mean it suits engaged investors more than set-and-forget ones, for whom DEGIRO or Trading 212 are usually the simpler fit.