eToro Fees Explained (2025): Trading Costs, Spreads, & Hidden Charges
Adam Woodhead
Co-Founder
Adam is a passionate investor who created The Investors Centre (TIC) to combine his professional skills with his love for investment. His goal is to offer a platform filled with valuable resources, practical advice, and effective strategies for anyone looking to make their mark in the investment world.
“Investment is about more than just numbers; it’s about strategy, research, and the willingness to adapt. At TIC, we’re here to provide the tools and knowledge you need to succeed on your investment journey.”
Thomas Drury
Co-Founder
Thomas is an experienced financial trader in leverage instruments, crypto and general investing. He has over a decade experience in finance and holds Chartered Status in the financial industry, Thomas’s speciality is trading CFDs, Forex and Day Trading. His crypto portfolio is heavily weighted towards BTC and Eth, but enjoys trading low cap crypto’s with higher volatility. Thomas’s favourite trading strategy is break out Trading.
“Our commitment at The Investors Centre is unwavering. We strive to provide clear, actionable advice that empowers you to achieve financial success. Our vision is a future where anyone can invest confidently and wisely.”
Table of Contents
Disclaimer
How We Test
Quick Answer: What do eToro fees look like?
eToro offers commission-free stock trading, but fees apply to CFDs, forex, crypto, and withdrawals. Key costs include spreads, overnight fees, and currency conversion charges. To minimise fees, trade real stocks, use USD deposits, and limit withdrawals. Always check eToro’s latest fee schedule before trading.
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Trading Fees on eToro in 2025
How Much Does It Cost to Trade on eToro?
One of the main reasons I started using eToro was the zero-commission stock trading—it seemed too good to be true. And for real stocks, it is legitimately commission-free. But if you’re trading CFDs, forex, or crypto, you’ll notice that fees start to creep in.
If you’re new to trading, you might be wondering, is eToro good for beginners?. Understanding the fee structure is crucial before diving in, as unexpected costs can impact your profitability.
The main cost you’ll deal with is the spread. This varies depending on the asset, and in fast-moving markets, it can fluctuate quickly. When I first traded forex on eToro, I didn’t pay enough attention to spreads, and it ended up eating into my profits. Lesson learned: Always check the spread before you place a trade.
eToro 2025 Trading Fees Breakdown
| Asset Type | Commission | Spread | Other Costs | Additional Notes |
|---|---|---|---|---|
| Stocks (Buying Real) | $0 | None | None | Best for long-term investors; No leverage available |
| Stocks (CFD) | $0 | From 0.15% | Overnight fees apply | Swap fees apply if held overnight; Can use leverage |
| Forex (Currency Pairs) | $0 | Variable (from 1 pip) | Overnight fees apply | Spreads depend on market conditions; Higher on exotic pairs |
| Cryptocurrencies | $0 | From 0.75% (Bitcoin) – Higher for altcoins | Overnight fees apply | Crypto spreads are wider than forex; Weekend trading available |
| Commodities (Gold, Oil, etc.) | $0 | Variable (depends on asset) | Overnight fees apply | Gold & Oil have different spreads; Market hours vary |
Key Takeaways
- Real stocks have no fees—ideal for investors who want to hold long-term.
- CFDs (stocks, forex, crypto, commodities) come with spreads and overnight fees, making them more suitable for short-term trading.
- Forex & crypto spreads vary based on market volatility.
- Holding positions overnight on CFDs incurs swap fees, so consider closing trades before the end of the trading day if you’re a short-term trader.
One of the best tips I can give is to decide whether you’re a short-term or long-term trader before diving in. If you’re in it for the long haul, real stocks are the way to go. But if you’re into CFD trading, you need to factor in spreads and overnight fees, which brings me to my next point.
Do Overnight & Weekend Fees apply?
If you’re trading CFDs, forex, or crypto on eToro in 2025, you need to be aware of overnight and weekend fees—also known as swap fees. I learned this the hard way when I left a leveraged forex trade open overnight, only to see a chunk of my balance disappear the next morning.
Here’s what you need to know:
- Overnight fees apply to leveraged positions and vary based on the asset.
- You can check the exact fee before opening a trade (and I highly recommend doing so).
- Long-term CFD positions can be expensive due to accumulating swap charges.
If you’re more of a buy-and-hold investor, here’s my pro tip: stick to real stocks instead of CFDs—you’ll avoid overnight fees altogether. For short-term traders, just be strategic about when you open and close positions to keep costs down.
Non-Trading Fees on eToro
What Are Non-Trading Fees?
These are the fees that don’t come from opening or closing trades but still impact your overall profits. When I first started using eToro, I was so focused on trading fees that I completely overlooked non-trading fees—and trust me, they can add up if you’re not careful.
The good news? Deposits are free. The bad news? Withdrawals, currency conversions, and inactivity fees can cost you.
One of the first things I learned was that if your eToro account is in USD, but you deposit in EUR or GBP, you’ll be charged a conversion fee.
eToro 2025 Non-Trading Fees Breakdown
| Fee Type | Amount | When It Applies | Additional Notes |
|---|---|---|---|
| Deposit Fee | $0 | N/A | No charge for deposits, but your bank/payment provider may apply their fees |
| Withdrawal Fee | $5 per withdrawal | Every withdrawal | Flat fee applies to all withdrawal amounts, so withdrawing larger sums less often can save money |
| Inactivity Fee | $10/month | After 12 months of inactivity | Only applies if you haven’t logged in, placed a trade, or made a deposit for a year |
| Currency Conversion | Variable (depends on currency) | When depositing/withdrawing in non-USD | If depositing in EUR, GBP, or other non-USD currencies, conversion fees apply—use a USD-based payment method to avoid this |
Does eToro apply Deposit & Withdrawal Fees?
I greatly enjoy the fact that eToro doesn’t charge deposit fees—this is a major plus compared to some platforms. However, you do need to be aware that your bank or payment provider might apply their own charges when funding your account. Always check with them first to avoid surprises.
Withdrawals, on the other hand, come with a flat $5 fee. This isn’t a deal-breaker, but if you withdraw frequently, it can start adding up. My workaround? I try to make fewer, larger withdrawals instead of multiple small ones.
Then there’s currency conversion fees. Since eToro operates in USD, deposits or withdrawals in EUR, GBP, or other currencies are subject to a conversion charge. I quickly learned that using a USD-based payment method (or converting beforehand) can save a decent chunk of money over time.
When will I need to pay Inactivity Fees?
If you don’t log into your eToro account or place a trade for 12 months, you’ll be charged $10 per month.
It won’t drain your balance to zero, but it’s an annoying cost that can easily be avoided. My simple fix? I log in at least once every few months—even if I’m not actively trading—just to reset the timer.
If you’re planning a break from trading, just set a reminder to log in every once in a while!
How to Minimise costs on eToro
Nobody likes paying fees, and over the years, I’ve figured out some simple ways to minimise fees on eToro.
- Use a USD funding method. If you deposit in another currency, you’ll get hit with conversion fees. I made this mistake when I first started and learned quickly that switching to a USD-based payment method saves money.
- Trade real stocks instead of CFDs. If you’re a long-term investor, CFDs aren’t worth the extra costs. I stick to real stocks to avoid spreads and overnight fees.
- Limit your withdrawals. Since eToro charges $5 per withdrawal, I don’t withdraw small amounts often. Instead, I plan ahead and withdraw larger amounts less frequently.
- Stay active to avoid inactivity fees. The $10 monthly inactivity fee kicks in after 12 months of no trading or deposits. My easy fix? Logging in every few months to reset the clock.
The key to saving money on eToro is planning and knowing where the fees apply. A little bit of strategy goes a long way in keeping more of your profits in your pocket.
Are There Any Hidden Fees?
One of the biggest concerns I had before signing up for eToro was whether there were any hidden fees. Thankfully, after trading on the platform for a while, I can say that eToro is pretty transparent about its fees—as long as you know what to look for.
The first thing I always check is the spread—the difference between the buy and sell price. This varies by asset, and in fast-moving markets, it can widen unexpectedly.
Then, there’s the overnight fee—a cost that sneaks up on you if you’re holding leveraged trades or CFDs for multiple days. If you’re planning to keep a position open long-term, these fees can really eat into your profits.
And let’s not forget currency conversion fees. If your account isn’t in USD, you’ll pay extra when depositing or withdrawing funds.
Of course, fees aren’t the only factor to consider when choosing a trading platform. Many traders also ask, is eToro safe?. Security, regulations, and user protections play a huge role in making an informed decision.
If you’re more of a buy-and-hold investor, here’s my pro tip: stick to real stocks instead of CFDs—you’ll avoid overnight fees altogether. For short-term traders, just be strategic about when you open and close positions to keep costs down.
Final Thoughts
After using eToro for a while, I’d say their fees are fair—but only if you know how they work.
If you’re a stock trader, you’re in luck. The zero-commission model is a huge advantage, and as long as you stick to buying real stocks, there are very few extra costs. This makes eToro an excellent choice for long-term investors in 2025.
However, if you trade forex, commodities, or crypto, things get a little trickier. Spreads, overnight fees, and conversion charges can add up fast.
At the end of the day, trading smart isn’t just about picking the right assets—it’s also about keeping your costs low. With a little bit of planning, you can make eToro work in your favor and maximise your returns.
CFDs are complex instruments with a high risk of losing money rapidly due to leverage. 61% of retail CFD accounts lose money when trading CFD’s with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
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FAQs
Does eToro really offer commission-free trading?
Yes! If you’re buying real stocks (not CFDs), eToro does not charge a commission. However, spreads and other fees may apply for forex, commodities, and cryptocurrency trades.
How can I avoid fees on eToro?
To minimise fees:
- Use USD deposits to avoid currency conversion charges.
- Trade real stocks instead of CFDs to avoid spreads and overnight fees.
- Limit withdrawals to reduce multiple $5 withdrawal charges.
- Log in at least once a year to avoid inactivity fees.
What is eToro’s inactivity fee, and how can I avoid it?
eToro charges $10 per month after 12 months of inactivity. To avoid this, simply log into your account at least once a year or make a small trade/deposit.
What’s the difference between a spread and a commission?
A spread is the difference between the buy and sell price of an asset, while a commission is a fixed trading fee. eToro doesn’t charge commissions on real stocks, but spreads apply to most trades.
No, eToro is fairly transparent about its fees. However, you should always check for:
- Spreads on CFDs, forex, and crypto.
- Overnight fees on leveraged trades.
- Currency conversion charges for non-USD deposits.
References
- eToro Official Fees Page – eToro Fees – What they are & how they are calculated
- eToro Terms & Conditions – Terms and Conditions
- eToro Inactivity Fees – What happens if I do not log into my eToro investment account?
- Financial Conduct Authority (FCA) – Understanding Trading Fees
