eToro Fees Explained: Complete Guide to Spreads, Commissions & Hidden Costs (2026)

When choosing a stock broker, understanding the full fee structure is crucial for protecting your investment returns. eToro remains a popular choice in 2026 for its user-friendly platform and social trading features, but how do its fees truly stack up? This comprehensive guide breaks down everything you need to know about eToro's fee structure, from transparent charges to hidden costs that might surprise you.

Key Takeaways

• eToro charges $1-$2 commission per stock trade depending on your country and the exchange
• Cryptocurrency trading has a 1% spread fee on entry and 0.6-1% on exit, with a 2% transfer fee to external wallets
• Forex spreads start at 1 pip for major pairs like EUR/USD
• Non-trading fees include a $5 USD withdrawal fee (free for GBP/EUR), $10 monthly inactivity fee after 12 months, and currency conversion fees that vary by Club tier
• CFD trading incurs overnight fees charged Monday-Friday at 22:00 UK time, with triple fees for weekends
• UK stock purchases attract a 0.5% Stamp Duty Reserve Tax

eToro Fee Structure Overview

Before diving into the details, here is a quick summary of eToro's main fees in 2026:

eToro's Stock and ETF Trading Fees

Stock Trading Commissions

As of 2026, eToro charges a flat commission of $1 or $2 per stock trade, depending on your country of residence and the exchange where the stock trades. This is a change from previous years when eToro offered zero-commission stock trading in most regions.

The commission applies to both buying and selling stocks, so a round-trip trade costs $2-$4 in total. However, eToro does not charge any markup on market spreads for stocks, keeping execution transparent.

ETF Trading: Still Commission-Free

Good news for ETF investors: eToro maintains zero-commission ETF trading globally. This makes ETFs particularly attractive for building a diversified portfolio without incurring per-trade costs. Check our ETF Fee Calculator to see how fund costs impact your long-term returns.

UK Stamp Duty Reserve Tax

When purchasing UK-listed stocks, a 0.5% Stamp Duty Reserve Tax (SDRT) applies. This is a regulatory tax collected by the UK government, not an eToro fee. For a £1,000 purchase of a UK stock, you would pay an additional £5 in stamp duty.

Stock CFDs: The Hidden Cost of Spreads

While direct stock ownership comes with fixed commissions, Contract for Difference (CFD) trading works differently. CFDs come with variable spreads built into the price, and these can be significantly higher than direct stock commissions.

CFD positions also incur overnight fees if held past 22:00 UK time, charged daily from Monday to Friday. Weekend positions are charged triple the overnight rate. For active CFD traders, these costs add up quickly, which is why we often recommend understanding the difference between investing and CFD trading before you start.

Cryptocurrency Trading Fees

eToro's cryptocurrency fees have a clear structure but can be expensive for active traders:

The 2% round-trip cost is significantly higher than dedicated cryptocurrency exchanges, which often charge 0.1-0.5%. However, eToro provides regulated custody with insurance protection, making it potentially worthwhile for security-conscious investors who prioritize protection over minimizing fees.

eToro Club members can receive discounts on crypto selling fees based on their tier level, with Diamond members getting the best rates.

Forex Trading Costs

For currency traders, eToro uses a spread-based pricing model with no additional commissions. Here are the typical spreads for major currency pairs:

While these spreads are reasonable for casual forex traders, high-volume traders might find better rates at dedicated forex brokers. Compared to Interactive Brokers which offers spreads as low as 0.6 pips on EUR/USD, eToro's forex costs are competitive but not industry-leading.

Non-Trading Fees: The Costs That Add Up

Beyond trading costs, eToro charges several non-trading fees that can significantly impact your returns if you are not careful.

Withdrawal Fees

eToro's withdrawal fee structure depends on your account currency:

• GBP and EUR accounts: Free withdrawals to external accounts
• USD accounts: $5 flat fee per withdrawal
• Minimum withdrawal: $30 for USD accounts, no minimum for GBP/EUR

This is a notable improvement from previous years when all accounts faced withdrawal fees. If you are based in the UK or Europe, consider maintaining a GBP or EUR account to avoid these charges.

Inactivity Fee

If you do not log into your eToro account for 12 consecutive months, you will incur a $10 monthly inactivity fee. This charge continues until either you log in (resetting the timer) or your account balance reaches zero.

The good news is that simply logging in once a year is enough to avoid this fee. Set a calendar reminder to check your account periodically, even if you are a long-term buy-and-hold investor.

eToro Club members may receive discounts or exemptions from the inactivity fee based on their membership tier.

Currency Conversion Costs

Currency conversion fees apply when you:

• Deposit or withdraw in a currency different from your account base currency
• Trade assets denominated in currencies other than your account currency
• Transfer funds between accounts in different currencies

The conversion fees vary based on your location, payment method, and eToro Club membership level:

• Diamond members: Exempt from conversion fees
• Platinum/Platinum+ members: 50% discount on conversion fees
• Recurring investments: Conversion fees waived for all Club members through the end of 2025

For frequent international investors, reaching higher Club tiers through increased portfolio value can provide meaningful savings on currency conversion.

CFD Overnight and Weekend Fees

CFD positions held overnight incur financing charges:

The overnight fee calculation is based on the number of units held multiplied by the overnight fee rate. These rates are influenced by benchmark interest rates tied to your position's base currency and can change without advance notice based on market conditions.

Futures Trading Fees (Beta)

eToro has introduced futures trading in beta, with the following fee structure:

• Micro futures commission: $1.27 to $2.17 per contract
• Spot-quoted futures: $1.22 flat fee per contract
• Overnight fees: Free for micro futures, variable for spot-quoted futures

Futures trading is currently available to select users and may expand over time.

How eToro Fees Compare to Other Brokers

Understanding how eToro's fees stack up against competitors helps you make an informed decision:

This comparison shows that eToro excels in ETF trading with zero commissions but has higher costs for cryptocurrency trading and non-trading fees. For a deeper comparison of these platforms, read our guides on Trading 212 vs Interactive Brokers and our full eToro review.

Real-World Fee Impact: Annual Cost Example

To understand how these fees affect actual returns, let us calculate the annual cost for a typical investor:

A 3% annual fee drag requires your investments to generate returns above that threshold just to break even. This highlights the importance of understanding your trading patterns and choosing fee structures that align with your investment strategy. Use our Compound Growth Calculator to see how fees impact your long-term wealth.

How to Minimize Fees on eToro

Here are practical strategies to reduce your fee burden while using eToro:

1. Focus on ETFs instead of individual stocks - ETF trading remains commission-free, while stock trades now cost $1-$2 each
2. Use a GBP or EUR account - Free withdrawals for UK and European users compared to the $5 USD withdrawal fee
3. Make fewer, larger withdrawals - If using a USD account, consolidate withdrawals to minimize the flat $5 fee impact
4. Log in regularly - A simple login once every 12 months prevents the $10/month inactivity fee
5. Consider eToro Club membership - Higher tiers offer fee discounts and exemptions on currency conversion and inactivity fees
6. Limit cryptocurrency day trading - The 2% round-trip cost makes frequent crypto trades expensive
7. Use recurring investments - Club members get waived conversion fees on recurring investments through 2025

Who Should Use eToro in 2026?

Based on the current fee structure, eToro is best suited for:

• Long-term ETF investors who benefit from commission-free ETF trading
• New investors who value eToro's user-friendly interface and educational resources
• Social traders interested in copy trading features
• UK/EU investors who can use GBP/EUR accounts for free withdrawals
• Passive investors using recurring investments to build positions over time

eToro may not be ideal for:

• Active stock traders - The $1-$2 per trade commission adds up quickly
• Cryptocurrency day traders - 2% round-trip costs are expensive for frequent trading
• Forex scalpers - Spreads are competitive but not the tightest available
• Cost-conscious USD account holders - The $5 withdrawal fee and potential currency conversion costs

If eToro's fee structure does not align with your trading style, consider alternatives like Interactive Brokers for active trading or Trading 212 for commission-free stock trading.

Frequently Asked Questions

Does eToro charge commission on stocks?

Yes, as of 2026, eToro charges a flat commission of $1 or $2 per stock trade, depending on your country of residence and the exchange where the stock trades. ETFs remain commission-free.

What is eToro's cryptocurrency fee?

eToro charges a 1% spread fee when buying cryptocurrency and 0.6-1% when selling. Transferring crypto to the eToro Money wallet incurs a 2% fee. This creates a minimum 1.6-2% round-trip cost for crypto trades.

How can I avoid the eToro inactivity fee?

Simply log into your eToro account at least once every 12 months. This resets the inactivity timer and prevents the $10 monthly fee from being charged.

Is there a withdrawal fee on eToro?

For USD accounts, eToro charges a $5 flat withdrawal fee with a $30 minimum withdrawal. GBP and EUR accounts enjoy free withdrawals with no minimum amount.

Does eToro charge overnight fees?

Overnight fees apply only to CFD positions, charged daily at 22:00 UK time Monday through Friday. Weekend positions incur triple the standard overnight rate. Non-leveraged cryptocurrency positions have no overnight fees.

What are eToro's forex spreads?

eToro offers competitive forex spreads starting at 1.0 pip for EUR/USD and USD/JPY, 1.5 pips for AUD/USD and EUR/GBP, and 2.0 pips for GBP/USD. No additional commissions apply beyond the spread.

Does eToro charge for dividends?

No, eToro does not charge any fees for receiving dividends from stocks or ETFs you own. Dividends are credited to your account according to each company's distribution schedule.

Conclusion

eToro's fee structure in 2026 offers competitive ETF trading with zero commissions but has introduced stock trading fees and maintains higher costs for cryptocurrency and some non-trading activities. Understanding these fees is essential for maximizing your investment returns.

For UK investors looking to offset initial costs, consider taking advantage of eToro's welcome bonus offering up to $500 in free stocks. UK savers may also be interested in the eToro Cash ISA, which offers a competitive rate with no trading fees involved. Compare all providers in our best Cash ISAs in the UK guide. You can also read our comprehensive eToro review for a complete platform analysis beyond fees.

Looking to find the best broker for your specific needs? Use our broker matching tool to compare platforms based on your trading style, preferred assets, and fee tolerance. You might also find our eToro safety analysis helpful for understanding the platform's security measures.

Remember that all investments carry risk, including the potential loss of capital. This article is for informational purposes only and does not constitute investment advice.

_{eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs. Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 50% of retail investor accounts lose money when trading CFDs 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. This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results. Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk. Do not invest unless you are prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.}