Brokers With No Inactivity Fees
Brokers with no inactivity fees don’t charge investors for periods of zero trading activity. Many online brokerages and trading platforms charge a monthly fee if no trades are placed for a certain period, typically six months. However, this penalty charge can catch out beginners in particular, while also affecting a trader’s bottom line.
This guide lists the best UK brokers with no inactivity fees or charges. We also explain how to check if a trading platform charges a dormancy fee.
Brokers With No Inactivity Fee
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Founded in Australia in 2010, Pepperstone is a highly regarded broker specialising in forex and CFDs. Serving more than 400,000 clients globally, it provides access to over 1,300 financial instruments through popular platforms like MT4, MT5, cTrader, and TradingView. Its fee structure is both low and transparent. With regulation by reputable bodies such as the FCA, ASIC, and CySEC, Pepperstone guarantees a safe trading environment for traders at every level.
Instruments Regulator Platforms CFDs, Forex, Currency Indices, Stocks, Indices, Commodities, ETFs, Crypto (only Pro clients), Spread Betting FCA, ASIC, CySEC, DFSA, CMA, BaFin, SCB MT4, MT5, cTrader, TradingView, AutoChartist, DupliTrade, Quantower Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 (Retail), 1:500 (Pro) -
Established in Poland in 2002, XTB caters to over a million clients worldwide. This forex and CFD broker offers a robust regulatory framework, a diverse range of assets, and prioritises trader satisfaction. It provides an intuitive proprietary platform equipped with excellent tools to support aspiring traders.
Instruments Regulator Platforms CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs FCA, CySEC, KNF, DFSA, FSC, SCA, Bappebti xStation Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:30 -
IC Markets is an internationally acclaimed forex and CFD broker, admired for its competitive pricing, diverse trading instruments, and superior technology. Established in 2007 and based in Australia, the firm is under the regulation of ASIC, CySEC, and FSA. It has successfully drawn over 180,000 clients from more than 200 nations.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, Bonds, Futures, Crypto ASIC, CySEC, FSA, CMA MT4, MT5, cTrader, TradingView, TradingCentral, DupliTrade, Quantower Min. Deposit Min. Trade Leverage $200 0.01 Lots 1:30 (ASIC & CySEC), 1:500 (FSA), 1:1000 (Global) -
Eightcap, an acclaimed broker regulated by the FCA, offers exceptionally low trading costs. Recognised as the top-rated brand by TradingView's vast user base of 100 million, traders can directly access the platform. UK traders can open a live account with a minimum deposit of just £100.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities ASIC, FCA, CySEC, SCB MT4, MT5, TradingView Min. Deposit Min. Trade Leverage £100 0.01 Lots 1:30 -
Fusion Markets, an online broker since 2017, operates under the regulation of ASIC, VFSC, and FSA. Renowned for offering cost-effective forex and CFD trading, it provides various account options and copy trading solutions to suit diverse trading needs. New clients can begin trading with a simple three-step registration process.
Instruments Regulator Platforms CFDs, Forex, Stocks, Indices, Commodities, Crypto ASIC, VFSC, FSA MT4, MT5, cTrader, TradingView, DupliTrade Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:500 -
Trade Nation is a leading FX and CFD broker regulated in the UK and Australia, among other places. The company provides competitively priced fixed and variable spreads on over 1,000 assets. Traders benefit from advanced platforms and comprehensive training materials. Additionally, the Signal Centre offers valuable trade ideas.
Instruments Regulator Platforms Forex, CFDs, Indices, Shares, Commodities, Futures, Bonds, Spread Betting, Cryptos (Bahamas Entity Only) FCA, ASIC, FSCA, SCB, FSA MT4 Min. Deposit Min. Trade Leverage $0 0.1 Lots 1:500 (entity dependent) -
BlackBull, a New Zealand-based CFD broker, offers a wide range of trading options across more than 26,000 instruments. Following a 2023 rebrand, it boasts a contemporary design and provides advanced trading tools along with ultra-fast execution speeds, averaging 20ms.
Instruments Regulator Platforms CFDs, Stocks, Indices, Commodities, Futures, Crypto FMA, FSA BlackBull Invest, BlackBull CopyTrader, MT4, MT5, cTrader, TradingView, AutoChartist Min. Deposit Min. Trade Leverage $0 0.01 Lots 1:500
Pepperstone
XTB
IC Markets
Eightcap
Fusion Markets
Trade Nation
BlackBull MarketsSafety Comparison
Compare how safe the Brokers With No Inactivity Fees are and what features they offer to protect traders.
| Broker | Trust Rating | FCA Regulated | Negative Balance Protection | Guaranteed Stop Loss | Segregated Accounts |
|---|---|---|---|---|---|
| Pepperstone | ✔ | ✔ | ✘ | ✔ | |
| XTB | ✔ | ✔ | ✔ | ✔ | |
| IC Markets | ✘ | ✔ | ✘ | ✔ | |
| Eightcap | ✔ | ✔ | ✘ | ✔ | |
| Fusion Markets | ✘ | ✔ | ✘ | ✔ | |
| Trade Nation | ✔ | ✔ | ✘ | ✔ | |
| BlackBull Markets | ✘ | ✔ | ✘ | ✔ |
Payments Comparison
Compare which popular payment methods the Brokers With No Inactivity Fees support and whether they have trading accounts denominated in British Pounds (GBP).
| Broker | GBP Account | Debit Card | Credit Card | Neteller | Skrill | Apple Pay |
|---|---|---|---|---|---|---|
| Pepperstone | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| XTB | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
| IC Markets | ✔ | ✘ | ✔ | ✔ | ✔ | ✘ |
| Eightcap | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
| Fusion Markets | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
| Trade Nation | ✔ | ✔ | ✔ | ✘ | ✔ | ✘ |
| BlackBull Markets | ✔ | ✔ | ✔ | ✔ | ✔ | ✘ |
Mobile Trading Comparison
How good are the Brokers With No Inactivity Fees at mobile trading using apps or other mobile interfaces.
| Broker | Mobile Apps | iOS Rating | Android Rating | Smart Watch App |
|---|---|---|---|---|
| Pepperstone | iOS & Android | ✘ | ||
| XTB | iOS & Android | ✔ | ||
| IC Markets | iOS & Android | ✘ | ||
| Eightcap | iOS & Android | ✘ | ||
| Fusion Markets | iOS & Android | ✘ | ||
| Trade Nation | iOS & Android | ✘ | ||
| BlackBull Markets | iOS & Android | ✘ |
Beginners Comparison
Are the Brokers With No Inactivity Fees good for beginner traders, that might want an affordable setup to get started, along with good support and educational resources?
| Broker | Demo Account | Minimum Deposit | Minimum Trade | Support Rating | Education Rating |
|---|---|---|---|---|---|
| Pepperstone | ✔ | $0 | 0.01 Lots | ||
| XTB | ✔ | $0 | 0.01 Lots | ||
| IC Markets | ✔ | $200 | 0.01 Lots | ||
| Eightcap | ✔ | £100 | 0.01 Lots | ||
| Fusion Markets | ✔ | $0 | 0.01 Lots | ||
| Trade Nation | ✔ | $0 | 0.1 Lots | ||
| BlackBull Markets | ✔ | $0 | 0.01 Lots |
Advanced Trading Comparison
Do the Brokers With No Inactivity Fees offer features that allow for more advanced trading strategies?
| Broker | Automated Trading | Pro Account | Leverage | VPS | AI | Low Latency | Extended Hours |
|---|---|---|---|---|---|---|---|
| Pepperstone | Expert Advisors (EAs) on MetaTrader | ✔ | 1:30 (Retail), 1:500 (Pro) | ✔ | ✔ | ✔ | ✘ |
| XTB | Open API | ✔ | 1:30 | ✘ | ✘ | ✔ | ✘ |
| IC Markets | Expert Advisors (EAs) on MetaTrader, cBots on cTrader, Myfxbook AutoTrade | ✘ | 1:30 (ASIC & CySEC), 1:500 (FSA), 1:1000 (Global) | ✔ | ✘ | ✔ | ✘ |
| Eightcap | TradingView Bots | ✘ | 1:30 | ✔ | ✘ | ✔ | ✘ |
| Fusion Markets | Expert Advisors (EAs) on MetaTrader, cBots on cTrader | ✘ | 1:500 | ✔ | ✘ | ✔ | ✘ |
| Trade Nation | Expert Advisors (EAs) on MetaTrader | ✘ | 1:500 (entity dependent) | ✘ | ✘ | ✘ | ✘ |
| BlackBull Markets | Expert Advisors (EAs) on MetaTrader, cTrader Automate | ✘ | 1:500 | ✔ | ✘ | ✔ | ✘ |
Detailed Rating Comparison
Use this heatmap to compare our detailed ratings for all of the Brokers With No Inactivity Fees.
| Broker | Trust | Platforms | Mobile | Assets | Fees | Accounts | Support | Research | Education |
|---|---|---|---|---|---|---|---|---|---|
| Pepperstone | |||||||||
| XTB | |||||||||
| IC Markets | |||||||||
| Eightcap | |||||||||
| Fusion Markets | |||||||||
| Trade Nation | |||||||||
| BlackBull Markets |
Our Take On Pepperstone
"Pepperstone is a premier trading platform, providing tight spreads, swift execution, and sophisticated charting tools for seasoned traders. Beginners benefit from no minimum deposit, comprehensive learning materials, and outstanding 24/7 support."
Tobias Robinson
Reviewer
Pros
- Pepperstone now offers spread betting via TradingView, delivering a streamlined and tax-efficient trading experience with sophisticated analytical tools.
- Over the years, Pepperstone has consistently garnered recognition from DayTrading.com’s annual awards. Recently, it was honoured as the 'Best Overall Broker' in 2025 and was the 'Best Forex Broker' runner-up the same year.
- Pepperstone presents itself as an economical choice for traders, offering spreads as low as 0.0 in its Razor account. The Active Trader programme provides rebates up to 30% on indices and commodities, plus $3 per lot on forex.
Cons
- Pepperstone's demo accounts expire after 30 days, which may not provide sufficient time to explore various platforms and evaluate trading strategies.
- Although its market range has improved, its crypto offerings remain limited compared to brokers specialising in this sector, lacking real coin investment options.
- Pepperstone doesn't offer cTrader Copy, a favoured feature for copying trades found in the cTrader platform, which is available on other platforms such as IC Markets. However, Pepperstone has launched its own user-friendly copy trading app.
Our Take On XTB
"XTB emerges as an ideal option for novice traders, offering the impressive xStation platform, zero commission pricing, no required minimum deposit, and outstanding educational resources, many of which are conveniently integrated into the platform."
Pros
- The xStation platform stands out with its user-friendly design and intuitive tools, such as adaptable news feeds, sentiment heatmaps, and a trader calculator. These features streamline the learning process for new traders.
- XTB offers a diverse range of over 7,000 instruments, including CFDs on shares, indices, ETFs, commodities, forex, and cryptocurrencies. The platform also provides real shares, real ETFs, share dealing, and the latest addition, Investment Plans, serving both traders seeking short-term gains and investors focused on long-term growth.
- Setting up an XTB account is straightforward and fully online, requiring only a few minutes. This simplicity eases new traders into the world of trading.
Cons
- The research tools at XTB are commendable but have the potential to excel further. Enhancing them with access to top-tier third-party services like Autochartist, Trading Central, and TipRanks would significantly elevate their offering.
- Trading fees are competitive, with average EUR/USD spreads of about 1 pip. However, they are not as low as the most affordable brokers, such as IC Markets. Additionally, an inactivity fee applies after a year.
- It is frustrating that XTB products do not allow traders to modify the default leverage level. Manually adjusting leverage can greatly reduce risk in forex and CFD trading.
Our Take On IC Markets
"IC Markets provides excellent pricing, swift execution, and easy deposits. With cutting-edge charting tools like TradingView and the Raw Trader Plus account, it continues to be a preferred option for intermediate and advanced traders."
Pros
- IC Markets provides some of the industry's narrowest spreads, offering 0.0-pip spreads on major currency pairs. This makes it an extremely cost-effective choice for traders.
- Access over 2,250 CFDs across diverse markets like forex, commodities, indices, shares, bonds, and cryptocurrencies. This variety enables traders to employ diversified strategies.
- IC Markets provides reliable 24/5 support, especially for account and funding queries, drawing from direct experience.
Cons
- The tutorials, webinars, and educational resources require enhancement, lagging behind competitors such as CMC Markets, which diminishes their appeal to novice traders.
- Although there are four top-tier third-party platforms available, the absence of in-house software or a trading app tailored for novice traders is notable.
- Certain withdrawal methods incur fees, including a $20 charge for wire transfers. These costs can reduce profits, particularly with frequent withdrawals.
Our Take On Eightcap
"Eightcap excels for traders, offering diverse charting platforms, educational Labs, and AI tools. With over 120 crypto CFDs, it stands out in crypto trading and has won our 'Best Crypto Broker' award twice consecutively."
Pros
- In 2021, Eightcap enhanced its lineup, now providing an extensive range of cryptocurrency CFDs. It offers crypto/fiat and crypto/crypto pairs, along with crypto indices for comprehensive market exposure.
- Eightcap excels with a suite of advanced trading tools, such as MT4 and MT5, and has recently joined the 100-million-user social trading network, TradingView.
- Eightcap has excelled in all essential trading areas, surpassing all rivals to clinch our 'Best Overall Broker' award for 2024. It also earned the titles of 'Best Crypto Broker' and 'Best TradingView Broker' for 2025.
Cons
- Eightcap must enhance its range of over 800 instruments to rival top competitors like Blackbull Markets, which offers 26,000+ assets, especially improving its limited commodities selection.
- Despite the growing range of tools available, Eightcap lacks popular industry resources such as Autochartist and Trading Central. These provide advanced charting analytics, live news, and essential market insights for traders focused on short-term strategies.
- The demo account is available for 30 days, after which it requires a request for extension. This is less convenient than XM's offering, which provides an unlimited demo mode.
Our Take On Fusion Markets
"Fusion Markets offers forex traders competitive pricing with minimal spreads, low commissions, and new TradingView integration. It is an excellent choice, especially for Australian traders, given its base and regulation by ASIC."
Pros
- Fusion Markets consistently impresses traders with its competitive pricing, featuring tight spreads and lower-than-average commissions. These cost-effective options are particularly attractive to those engaging in frequent trading.
- With an average execution speed of approximately 37 milliseconds, traders can secure optimal prices more effectively, outpacing many competitors in rapidly changing markets.
- Fusion Markets provides algo traders with a sponsored VPS and offers a 25% discount for choosing the NYC Servers VPS for MT4 or cTrader.
Cons
- Unlike AvaTrade, there is no specialised trading platform or app tailored for beginners, which is a significant disadvantage.
- The broker stands out with its extensive selection of currency pairs, surpassing most competitors. However, its alternative investment options are merely average, lacking stock CFDs outside the US.
- Fusion Market falls short compared to competitors like IG in education, offering few guides and live video sessions for enhancing trader skills.
Our Take On Trade Nation
"Trade Nation is ideal for novice traders seeking diverse markets on an easy-to-use platform. It offers no minimum deposit, complimentary funding options, and robust educational resources."
Pros
- The trading firm provides narrow spreads and a clear pricing structure.
- Beginners benefit from a modest initial deposit.
- Trade Nation, a highly regarded and well-regulated broker, was formerly known as Core Spreads.
Cons
- Reduced legal safeguards with an offshore entity.
Our Take On BlackBull Markets
"Following the upgrade to Equinix servers in New York, London, and Tokyo, BlackBull has reduced latency, making it a clear choice for stock CFD trading using ECN pricing."
Pros
- After collaborating with ZuluTrade and Myfxbook and refining its CopyTrader, BlackBull now provides an exceptionally comprehensive trading experience.
- BlackBull provides everything a trader needs: execution speeds under 100ms, leverage as high as 1:500, and competitive spreads starting at 0.0 pips.
- BlackBulls's research excels, particularly in the daily 'Trading Opportunities' articles. These publications simplify complex market dynamics into clear insights, enabling traders to effectively capitalise on emerging trends.
Cons
- Despite enhancements such as webinars and tutorials in the Education Hub, our review indicates that the courses still require greater emphasis on elucidating broader economic factors affecting prices.
- BlackBull does not offer its own trading platform, instead utilising MetaTrader, cTrader, and TradingView. Although these platforms are highly regarded, some brokers, such as eToro, provide proprietary platforms with distinct features that cater well to novice traders.
- Despite an expanding range of over 26,000 assets, including new additions to Asia Pacific indices, their offerings are primarily equities. The selection of currency pairs and indices remains average.
What Is An Inactivity Fee?
As the name suggests, an inactivity fee is a charge levied on trading accounts that haven’t been active for a period. The length of that period and the size of the fee varies between online brokers. The penalty charge usually kicks in after six months of inactivity, though some platforms wait 12 months. The fee itself is normally charged monthly and can range from $5 to $50+.
The terms and conditions of account inactivity fees also vary. For example, some brokers charge if you haven’t placed a trade while others will take a fee if you haven’t logged in to your account. This means you can avoid inactivity fees at some brokers by simply logging in to your online account, even if you don’t make a trade.
Inactivity fees are typically charged to cover a broker’s overheads for activating and keeping open live trading accounts. And a penalty charge is particularly commonplace at commission-free trading brokers which make limited revenue when no trades are placed.
Ultimately, for part-time investors and beginners, brokers with no inactivity fees are a sensible way to avoid hidden charges and non-trading costs.
Below are examples of popular brokers that do charge inactivity fees:
- Swissquote – $10 monthly fee after 6 months
- Admiral Markets – $10 monthly fee after 2 years
- IG Group – $12 monthly fee after 2 years
- Forex.com – $15 monthly fee after 12 months
- Rockfort Markets – $20 monthly fee after 6 months (applies to account balances below $100)
Best UK Brokers With No Inactivity Fees
Below is a comparison of the top brokers with no inactivity fees. These brokerages are suitable for beginner investors and offer free demo accounts, platform tutorials and educational materials aimed at novice traders.
Pepperstone
Pepperstone does not charge an inactivity fee.
The broker is regulated by seven trusted financial bodies, including the UK’s Financial Conduct Authority (FCA). A choice of trading platforms is provided, spanning MT4, MT5, cTrader and TradingView, and users can trade CFDs and spread bets on popular markets.
Pepperstone also offers 24/7 customer support, making it a good option for beginners and there are no deposit fees.
Two live accounts are offered: the Standard Account and the Razor Account. Spreads average 1.09 pips on the Standard Account which is commission-free, and 0.09 pips on the Razor Account, which charges $7 per round lot.
There is no minimum deposit requirement.
IC Markets
IC Markets does not charge an inactivity fee.
Clients can speculate on 300+ CFD instruments, including forex, commodities, stocks, indices, cryptos, bonds and futures. Supported desktop and mobile platforms include MT4, MT5 and cTrader, meaning suitable options for beginners.
IC Markets also has an impressive free education base that covers everything from the basics of forex trading and technical analysis to the psychology of investing and popular trading strategies. There are also videos that show you how to install the firm’s platforms and begin trading.
Customer support operates 24/7 and can be contacted over email, live chat and phone, so beginners can get started any time and request help as needed.
IC Markets offers a Raw Spread account and a Standard account. With the Raw Spread MetaTrader account, spreads start at zero pips with a $3.5 commission per lot per side. With the Standard account, spreads start from 0.6 pips with no commission.
The minimum starting deposit is $200.
Interactive Brokers
Interactive Brokers is one of the best UK brokers with no inactivity fees for advanced traders.
Alongside no inactivity fees, the firm does not charge account fees or withdrawal fees. The brokerage also offers broad market access and a professional trading environment in return for a $10,000 starting deposit. The company is regulated by the UK’s Financial Conduct Authority.
Interactive Brokers’ advanced analysis tools and sophisticated trading software provide access to more than one million tradable assets, spanning currencies, stocks, indices, metals, mutual funds and commodities.
Fees are also competitive, with spreads from 0.1 pips alongside commissions from 0.08 to 0.2 basis points (0.00008% to 0.002%)
Bottom Line On Brokers With No Inactivity Fees
Inactivity fees are charged by many popular trading brokers. The monthly charge is usually applied to accounts that have been inactive for several months and typically ranges from $10 to $25. Fortunately, there are many excellent UK brokers with no inactivity fees, ideal for beginners and part-time investors.
Use our list of the top brokers with no inactivity fees to get started.
FAQ
What’s A Trading Inactivity Fee?
An inactivity fee is essentially a penalty charge applied to trading accounts that have been unused for a period. This period is normally at least three months but can be up to two years, for example, at Admiral Markets. Inactivity fees are usually charged monthly and will be taken from the trader’s existing account balance.
How Much Are Trading Inactivity Fees?
The amount charged for inactivity is at the discretion of the broker, and will be stipulated in the policy terms and trading conditions. With that said, the fee is usually between $10 and $25 a month, though it can be higher on some trading platforms. The good news is that there is a long list of brokers with no inactivity fees so aspiring traders can avoid this charge.
Can I Avoid Trading Inactivity Fees?
Yes. The easiest thing to do is to sign up with brokers with zero inactivity fees. Alternatively, you can avoid the charge on some platforms by simply logging into your trading account every couple of months. With that said, it’s worth checking their terms and conditions because some brokers require that you open and close a real-money trade to avoid the charge.
What Are The Best Trading Brokers With No Inactivity Fees?
Two of our top recommended brokers without inactivity fees are Pepperstone and IC Markets. These are all beginner-friendly brands with low minimum deposits, decent market access, plus user-friendly platforms and leading trading apps. For experienced traders, Interactive Brokers is one of the best brokers with no inactivity fees. While the starting deposit is high at $10,000, the brokerage offers over one million trading products and powerful market analysis tools.
Is It Legal For Trading Brokers To Charge Inactivity Fees?
Yes – it is legal for brokers to charge fees on inactive accounts. The charge is used to cover the costs of maintaining a live account. Yet reputable brokers should make clear any non-trading fees in their pricing schedule. Firms that fail to disclose inactivity fees and other non-trading charges at the registration stage should be avoided. Alternatively, use our list of the top UK brokers with no inactivity fees to find a good provider.