Fees & Charges — FXchange.eu | Transparent Pricing

Our Fee Structure

Zero commission. Transparent spreads.

Account Management

Account opening	NO FEES
Account closing	NO FEES
Account maintenance	NO FEES
Demo account	NO FEES
Inactivity fee (after 12 months)	$10/month

Deposits & Withdrawals

Deposit fee	NO FEES
Minimum deposit	$20 / €20 / £20
Withdrawal fee	NO FEES
Minimum withdrawal	$20 (cards)
Processing time	1–3 business days

Trading Costs

Spread	Variable
Trading commission	NO FEES
Overnight fee	Paid / received
Currency conversion	0.7% retail · 0.5% Pro
Guaranteed stop-loss	Varies by instrument

Live Spreads

Spread overview by instrument

Name	Sell	Buy	Spread	Overnight (Long)	Overnight (Short)	GSL Premium

How Fees Work

Understand every cost.

💸 Spread Commission

The spread is the difference between the sell (bid) and buy (ask) price of an instrument. This is the primary way FXchange.eu earns revenue — we charge no separate commission on trades.

Spread Cost = Spread × Units × Lot Size

Example: EUR/USD spread 0.0002 × 1 lot (100,000 units) = $20 per round trip (open + close).

🌙 Overnight (Swap) Fees

When you hold a CFD position open past the daily rollover time (typically 22:00 GMT), an overnight financing fee is applied. This fee reflects the cost of borrowing capital to hold your leveraged position.

Daily Overnight Fee = (Notional Value × Our Rate ± Reference Rate) / 365

For long positions you typically pay overnight fees. For short positions you may receive overnight credits depending on the instrument and prevailing rates.

Example (Long EUR/USD): Notional $108,742 × (2.5% / 365) = $7.45 per night. Fee charged at rollover.

Wednesday triple swap: On Wednesdays, fees are tripled to account for the weekend settlement period.

🛡 Guaranteed Stop-Loss (GSL) Fee

A Guaranteed Stop-Loss Order ensures your position closes at exactly the level you set — even during price gaps or extreme volatility. A premium is charged when the GSL is triggered.

GSL Fee = GSL Premium × Price × Quantity

Example (Gold): GSL premium 0.3% × $2,342.50 × 0.5 lots = $35.14 if triggered. No charge if the GSL is never hit.

The GSL premium varies by instrument. You can view per-instrument premiums in the spread table above.

🔄 Currency Conversion Fee

When you trade an instrument denominated in a different currency than your account base currency, a conversion fee applies to the profit/loss at the time of closing.

Conversion Fee = P&L Amount × Conversion Rate (0.7% retail / 0.5% Pro)

Example: You trade a UK stock and close with £500 profit. Conversion to USD: £500 × 1.27 = $635. Fee = $635 × 0.7% = $4.45.

Professional clients (who meet the MiFID II elective professional criteria) benefit from a reduced rate of 0.5%.

⚡ Knock-Out (KO) Product Fee

Knock-out products are a derivative with a built-in guaranteed stop at the knock-out level. A spread is charged on entry, and an overnight financing fee applies to open positions.

KO Spread Cost = (KO Buy Price − KO Sell Price) × Number of KOs

Example (US100 KO): KO spread 2 points × 10 contracts × $1/point = $20 entry cost. No GSL premium since the stop is built in.

Knock-outs are available on selected indices, forex pairs and commodities. They provide defined-risk exposure without margin calls.

FAQ — Tax & Reporting

Tax treatment of CFD profits varies by country and personal circumstances. In most EU jurisdictions, CFD profits are treated as capital gains or miscellaneous income. We strongly recommend consulting a qualified tax advisor in your country of residence.

Yes. All clients receive a full annual statement showing every trade, position open/close, fees paid and net P/L. Statements are available in your account dashboard under Documents at any time.

In some jurisdictions, financing costs (swap fees) paid on CFD positions may be deductible against trading income. This depends on your local tax legislation and whether your trading activity qualifies as a business or investment activity. Consult a tax advisor for guidance specific to your situation.

As a CySEC-regulated entity, FXchange.eu complies with all applicable EU reporting obligations including DAC6 and CRS (Common Reporting Standard). Information may be reported to tax authorities as required by law.

Since CFDs are derivative contracts and not direct ownership of shares, UK Stamp Duty and EU financial transaction taxes typically do not apply to CFD trades. However, some jurisdictions have their own rules — always verify with a local tax professional.

In many countries, CFD losses can be offset against capital gains from other investments in the same tax year, reducing your overall tax liability. Carry-forward of losses to future years may also be permitted. Tax rules are complex and jurisdiction-specific.

Professional client status (as defined by MiFID II) affects regulatory protections and leverage limits but does not in itself change your personal tax obligations. Tax treatment is determined by your country of residence and the nature of your trading activity, not your regulatory classification.

FXchange.eu provides full transaction history and account statements to support your tax filings. For specific tax advice, please consult a qualified accountant or tax advisor in your country of residence. Our support team can assist with providing documentation but cannot provide personal tax advice.

What traders say

Trusted by traders in 183 countries across all major review platforms.

2025-06-01

★★★★★

L****** F*****

"No surprise fees whatsoever. The spread is shown before I open any position and the overnight rate is clearly listed in the trading ticket. Exactly what transparency should look like."

Trustpilot · Verified

2025-05-22

J****** S******

"Zero deposit fees and zero withdrawal fees — I've tested both multiple times. The spread on EUR/USD is genuinely competitive. This is how a regulated broker should operate."

Google Play · Verified

2025-05-11

T****** W*

"The overnight fees page is comprehensive. I trade GOLD and US100 overnight regularly — knowing exactly what the swap rate will be lets me plan positions correctly. No guessing needed."

TradingView · Verified

4.8

TradingView

4.7

App Store

Google Play

4.6

Trustpilot