eToro Fees 2025: Hidden Charges, Spreads & Pip Costs Traders Must Know

This guide presents all eToro fees, accurate as of July 2025, including trading and non-trading charges across forex, stocks, cryptocurrencies, and CFDs. Coverage includes spreads, pip values, withdrawal fees, currency conversion rates, and overnight financing costs.

Each category is detailed to enable precise net profitability calculations before trade execution and to identify charges that diminish returns.

Quick Snapshot of All eToro Charges

The table below provides a consolidated overview of all eToro charges, accurate as of July 2025, based on the platform’s official fee schedule. It covers both trading fees and non-trading fees, including spreads, pip values, withdrawal costs, and conversion rates. This structure enables traders to forecast total costs, identify the most cost-efficient trading conditions, and avoid unnecessary expenses.

Trading Fees

Fee TypeAmount / ExampleWhen It AppliesHow to Avoid
SpreadVariable — e.g., EUR/USD ~1 pipOn every executed tradeTrade during high liquidity to reduce spread impact
Pip ValueVaries by pair and position sizeForex and CFD tradesAdjust lot size and trade timing
Overnight FinancingAsset-specific rateHolding leveraged positions overnightClose trades before overnight cutoff

Non-Trading Fees

Fee TypeAmountWhen It AppliesHow to Avoid
Deposit Fee$0Upon funding the accountNot applicable
Withdrawal Fee$5Each withdrawal requestConsolidate withdrawals
Currency ConversionFrom 50 pips above market rateDeposits/withdrawals in non-USD currencyFund account in USD
Inactivity Fee$10/monthNo login activity for 12 monthsLog in periodically

Understanding eToro’s Trading Fees

eToro’s trading fees derive from spreads and pip costs, with no additional broker commission on most assets. The spread, also called the bid–ask difference, is the gap between the buy and sell price. The pip, or price increment, is the smallest measurable change in a currency pair. Both directly impact net trade cost.

Spreads vary by asset class, liquidity, volatility, trading session, and market conditions. Major forex pairs such as EUR/USD average 1 pip during peak liquidity, GBP/USD averages 2 pips, while USD/JPY’s pip value differs due to currency denomination. Exotic pairs and volatile cryptocurrencies may exceed 5 pips. Compared with the industry average, eToro is competitive on majors, less so on thinly traded markets.

What Is a Spread on eToro?

A spread is eToro’s primary fee. For EUR/USD, a 1-pip spread equals $10 per standard lot at both entry and exit — $20 total.

Formula: Total Spread Cost = Pip Value × Spread × 2.

Tip: Narrowest spreads occur during London–New York market overlap.

What Is a Pip and How Does eToro Calculate It?

A pip is usually the fourth decimal in pricing. On EUR/USD, 1 pip = $10 per lot; on USD/JPY, 1 pip ≈ ¥1,000.

Application: Use pip cost in stop-loss sizing to align risk per trade.

How to understand and manage eToro's Trading Fees?

Non-Trading Fees You Might Miss

The following charges are accurate as of July 2025. These apply outside active trading and can erode account value if overlooked. Exact triggers and cost impacts are outlined for clarity.

Withdrawal & Deposit Charges

Withdrawals carry a $5 flat fee regardless of amount, with a $30 minimum withdrawal limit. Deposits remain free unless funded in a non-USD currency, which activates conversion charges.

Tip: See Trading Fees section for costs tied to spreads.

Currency Conversion Costs

Non-USD deposits and withdrawals incur a margin of 50–150 pips (0.46%–1.38%) on the prevailing rate.
Example (Forex): Converting €1,000 to USD at 1.38% costs €13.80.
Example (Crypto): Selling BTC for USD and withdrawing in GBP applies the same pip margin, potentially higher in low-liquidity conditions.

Inactivity Fees & How to Avoid Them

After 12 consecutive months without login, eToro charges $10 monthly from the available balance. Over one year, this can remove $120. Open positions remain unaffected.
Avoidance: Log in at least once every 11 months to reset the inactivity clock.

Real Examples of eToro Fee Impact

These scenarios demonstrate the real impact of eToro fees on trade outcomes, covering a pip example, a spread cost example, and an overnight CFD financing case. Calculations use standard retail account rates and current market conditions as of July 2025. Each case provides a side-by-side “without fee” vs “with fee” comparison, enabling traders to quantify cost effects and plan positions with precision.

Pip Value Formula (Forex)
Pip Value = (One Pip ÷ Exchange Rate) × Lot Size.
Example: EUR/USD at 1.1000, 1 pip = 0.0001. For a standard lot (100,000 units):
Pip Value = (0.0001 ÷ 1.1000) × 100,000 ≈ $9.09.

ScenarioWithout FeeWith FeeProfit Loss %
Forex — EUR/USD (1 Lot)$300$2903.3%
Crypto — BTC/USD (0.5 BTC)$2,500$2,312.507.5%
CFD Overnight — Tesla (10 Units, 5×)$400$34015%

Breakdown

These figures show that even small percentage fees can significantly impact net results, especially in leveraged or high-value trades. Traders must calculate costs before entry to preserve target returns.

How to Minimize eToro Fees in 2025

Reducing eToro fees directly increases net returns, especially for active traders. The following strategies use current 2025 rates and address both trading and non-trading costs, with clear savings potential.

Deposit in USD to Avoid Conversion Costs

Depositing in the platform’s base currency removes the 0.5%–2% conversion charge.

Example:

Funding $5,000 in EUR costs up to $100 in conversion fees. Using a USD funding method eliminates this expense entirely.

Trade in High Liquidity Hours

Major forex pairs like EUR/USD have their lowest spreads during the London–New York overlap (13:00–17:00 UTC). A 1-pip reduction on a standard lot saves $10 per trade.

Close Before Overnight Fees Apply

CFD positions incur daily financing from 21:00 UTC. Closing before this time avoids rates that can reach 0.015% of position size. For a $1,000 leveraged position, this equals $0.15 daily.

Smart Copy-Trading to Limit Exposure Fees

Selecting traders with shorter average holding times reduces overnight cost accumulation, especially in volatile instruments. Review their “average trade duration” metric before allocating capital.

Over a year, applying these methods can cut total trading costs by 15–25%, depending on volume and instrument choice.

FAQs

Q1: Is eToro commission-free?

Yes. eToro charges no direct commission, but applies a spread starting from ~1 pip on major pairs.

Q2: What’s the average spread on EUR/USD?

Around 1 pip as of January 2025. Spread varies with market liquidity.

Q3: What is the pip size on eToro?

One pip equals 0.0001 for most forex pairs. On a standard lot, 1 pip ≈ $10.

Q4: What is eToro’s withdrawal fee?

$5 per withdrawal. Applies to any currency.

Q5: Does eToro have hidden charges?

Yes. Currency conversion (~0.5%) and overnight financing rates apply outside regular trading.

Final Thoughts

Before trading, review all eToro fees to ensure cost-efficient decisions:

Understanding eToro fees in 2025 safeguards profits and ensures transparent trading. Review the official fee schedule before executing any trade.

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