1. Pepperstone — FCA + ASIC regulated, zero inactivity fee, raw spreads from 0.0 pips 2. Eightcap — FCA + ASIC regulated, zero inactivity fee, 500+ crypto CFDs 3. ThinkMarkets — FCA + ASIC regulated, zero inactivity fee, ThinkTrader platform 4. Capital.com — FCA + ASIC regulated, zero inactivity fee, AI-powered analytics 5. Markets.com — FCA + CySEC regulated, zero inactivity fee, 2,000+ instruments 6. Equiti — FCA regulated, zero inactivity fee, MENA specialist 7. DeltaStock — EU MiFID II regulated, zero inactivity fee, 27-year track record These brokers charge no fees for account dormancy — your account simply remains open without any time-based penalty regardless of how long you go without trading.
An inactivity fee is a charge applied by a broker to accounts that have not had a login or trading activity for a defined period — typically ranging from 90 days to 12 months depending on the broker. For traders who take periodic breaks from the markets, hold accounts across different brokers for strategy diversification, or return to trading seasonally, inactivity fees can represent a significant and avoidable annual cost.
The inactivity fee landscape in 2026 varies enormously: some brokers charge nothing whatsoever, while others impose charges of $50 per quarter or $10 per month that can drain a dormant account surprisingly quickly. Understanding which regulated brokers genuinely charge zero inactivity fees — as opposed to those that simply do not mention the fee prominently — is an important part of selecting the right broker for your trading pattern.
This guide provides a verified, current comparison of the best Forex and CFD brokers that charge no inactivity fees in 2026, including their regulation, spreads, platforms, and specific strengths — so you can choose the broker that best matches your full set of requirements, not just the absence of dormancy charges.
No Inactivity Fee Forex Brokers 2026 — Quick Comparison
Broker | Inactivity Fee | Regulation | EUR/USD Spread | Min. Deposit | Best For |
Pepperstone | None | FCA, ASIC, CySEC+ | From 0.0 pips (Razor) | $0 | Active traders |
Eightcap | None | FCA, ASIC, CySEC | From 0.0 pips (Raw) | $100 | Crypto + Forex |
ThinkMarkets | None | FCA, ASIC, FSCA | From 0.0 pips (Zero) | $0 | Platform quality |
Capital.com | None | FCA, ASIC, CySEC | From 0.6 pips | $20 | AI analytics |
Markets.com | None | FCA, CySEC, ASIC | From ~0.9 pips | $100 | Breadth 2,000+ |
Equiti | None | FCA, CySEC, JSC | From 0.0 pips (ECN) | $200 | MENA traders |
DeltaStock | None | EU FSC (MiFID II) | From ~0.8 pips | $100 | EU equities |
Always verify: Inactivity fee policies are subject to change. Brokers may also update their thresholds, fee amounts, or exemption criteria. Confirm the current policy directly with the broker’s support team or in the official fee schedule on their website before opening an account.
Why Inactivity Fees Matter More Than Most Traders Realise
Inactivity fees appear as a minor consideration compared to the spread and commission costs that traders focus on when evaluating brokers. This underestimation is a mistake, because the compounding effect of inactivity charges on accounts that go dormant for extended periods can be substantial.
Consider the comparison: AvaTrade charges $50 per quarter after just 3 months of inactivity — that is $200 per year in potential charges on a dormant account. A trader who takes a 6-month break from the markets to travel, focus on another career, or manage a life event would return to find $100 already deducted from their balance with no corresponding trading activity. eToro charges $10 per month after 12 months of inactivity — $120 per year. XM Group charges after 90 days of no activity. XTB charges €10 per month after 12 months (though this is waived if you hold real stocks or ETFs).
For traders who maintain accounts at multiple brokers — which is common among those who diversify strategies across different instruments or want access to different platforms — inactivity fees at multiple dormant accounts can accumulate rapidly. The brokers listed in this guide eliminate this concern entirely by charging no dormancy fees regardless of how long an account goes without activity.
Broker | Inactivity Policy | Annual Cost (Dormant) |
Pepperstone | No inactivity fee — ever | £0 / $0 |
Eightcap | No inactivity fee — ever | £0 / $0 |
ThinkMarkets | No inactivity fee — ever | £0 / $0 |
Capital.com | No inactivity fee — ever | £0 / $0 |
Markets.com | No inactivity fee (verify current terms) | £0 / $0 |
Equiti | No inactivity fee (verify current terms) | £0 / $0 |
DeltaStock | May have inactivity policy — verify current terms | Verify |
AvaTrade | $50/quarter after 3 months + $100/year after 12 months | ~$200+ |
eToro | $10/month after 12 months of no activity | ~$120 |
XTB | €10/month after 12 months (waived if holding stocks/ETFs) | ~€120 |
XM Group | Applies after 90 days — amount varies | Verify |
ADSS | No inactivity fee | $0 |
1. Pepperstone — Best Overall Forex Broker with No Inactivity Fee
Pepperstone is the strongest all-round Forex and CFD broker for traders who want zero inactivity fees combined with genuine institutional-grade conditions. Founded in Melbourne in 2010, Pepperstone holds regulatory licences from the FCA (UK), ASIC (Australia), CySEC (EU), DFSA (Dubai), SCB (Bahamas), and CMA (Kenya) — one of the broadest multi-jurisdictional regulatory footprints among all retail brokers reviewed on CompareBroker.io. UK clients are protected by the FSCS up to £85,000.
On pricing, Pepperstone is one of the most competitive brokers globally. The Razor account delivers EUR/USD spreads from 0.0 pips with a commission of $3.50 per side per standard lot — total round-trip cost of $7, the lowest combined cost available from any FCA-regulated broker. The Standard account offers spread-only pricing from approximately 0.6 pips on EUR/USD — also below the industry average, with zero commission. There is no minimum deposit.
Pepperstone supports the most diverse platform suite of any reviewed broker: MetaTrader 4, MetaTrader 5, cTrader, and TradingView live trading integration — all four of the most widely used retail platforms available simultaneously. Scalping, hedging, and Expert Advisor trading are all explicitly supported. Islamic swap-free accounts are available across all account types. For traders who also want to avoid the fees associated with ECN-style trading, our Compare Zero Spread Brokers page shows how Pepperstone’s Razor account compares across the market.
Why Pepperstone has no inactivity fee: Pepperstone’s business model is built on transaction-based revenue from active traders. It does not rely on dormancy fees to supplement revenue from inactive accounts. The broker explicitly states no inactivity fee in its published fee schedule.
- Regulation: FCA (FRN 684312), ASIC (AFSL 414530), CySEC, DFSA, CMA, SCB — FSCS £85,000 for UK clients
- EUR/USD: From 0.0 pips (Razor) | From 0.6 pips (Standard)
- Platforms: MT4, MT5, cTrader, TradingView — widest platform suite reviewed
- Min. deposit: $0
- Inactivity fee: None
2. Eightcap — No Inactivity Fee + Best Crypto CFD Range
Eightcap is an Australian-founded broker established in 2009, now regulated by the FCA (UK), ASIC (Australia), CySEC (EU), and SCB (Bahamas). UK clients benefit from FSCS protection up to £85,000. Eightcap charges absolutely no inactivity fees — a dormant account can remain open indefinitely without any time-based penalty.
Eightcap’s defining competitive advantage is its cryptocurrency CFD offering: over 500 crypto instruments with Bitcoin spreads from approximately $10 — dramatically below the industry average of ~$50. For traders who combine Forex with active cryptocurrency CFD trading, Eightcap’s breadth of digital asset coverage is unmatched among regulated retail brokers. The Raw account delivers EUR/USD spreads from 0.0 pips with $3.50/side commission, and the Standard account from ~1.0 pip commission-free.
Eightcap supports TradingView live trading alongside MT4 and MT5, making it particularly attractive for technical analysts who want to execute from TradingView charts. No deposit fees, no withdrawal fees, and no inactivity fees make Eightcap one of the most genuinely zero-non-trading-cost brokers in the regulated market. For a focused crypto comparison, our Compare Brokers for Trading Bitcoin page covers the full market.
- Regulation: FCA, ASIC (AFSL 391441), CySEC, SCB — FSCS £85,000 for UK clients
- EUR/USD: From 0.0 pips (Raw) | From ~1.0 pip (Standard)
- Platforms: MT4, MT5, TradingView
- Min. deposit: $100
- Inactivity fee: None
3. ThinkMarkets — No Inactivity Fee + Modern Proprietary Platform
ThinkMarkets was founded in Melbourne in 2010 and holds regulatory licences from the FCA (UK), ASIC (Australia), FSCA (South Africa), and CySEC (EU). No inactivity fees apply under any circumstances. The broker is most differentiated by its proprietary ThinkTrader platform — a modern, genuinely distinct trading environment that won Best Proprietary Platform recognition for its depth of tools alongside a clean, contemporary interface.
ThinkMarkets’ pricing structure offers the ThinkZero account with EUR/USD spreads from 0.0 pips and $3.50/side commission, and the Standard account from ~0.4 pips commission-free — already below the industry average on the spread-only tier. Over 1,533 stock CFDs are available, one of the widest equity CFD ranges of any broker reviewed here. The platform includes native copy trading through ThinkCopy, removing the need for a separate copy trading service. For platform comparison, our Compare MT4 Brokers page covers MT4 options alongside brokers with proprietary platforms.
- Regulation: FCA (FRN 629628), ASIC (AFSL 424700), FSCA (FSP 49835), CySEC — FSCS £85,000 for UK
- EUR/USD: From 0.0 pips (ThinkZero) | From ~0.4 pips (Standard)
- Platforms: MT4, MT5, ThinkTrader (proprietary)
- Min. deposit: $0
- Inactivity fee: None
4. Capital.com — No Inactivity Fee + AI-Powered Analytics
Capital.com is a technology-driven CFD broker founded in 2016, regulated by the FCA (UK), ASIC (Australia), CySEC (EU), and FSA (Seychelles). UK clients benefit from FSCS protection. Capital.com charges no inactivity fees — accounts remain active indefinitely. Its most distinctive feature is the AI-powered analytics layer integrated into its proprietary platform: real-time pattern recognition, behavioural bias alerts, and personalised risk scoring — capabilities usually associated with institutional trading tools.
Capital.com offers access to over 6,000 instruments — the widest range of any broker reviewed on this site — including 138 Forex pairs, 5,781 stock CFDs, and 47 commodity instruments. EUR/USD spreads from 0.6 pips are below the industry average in a commission-free model. The minimum deposit of just $20 is the lowest among well-regulated CFD brokers. TradingView live trading integration is also supported alongside MT4. Our Compare CFD Brokers page covers the full CFD broker market for context.
- Regulation: FCA, ASIC, CySEC, FSA — FSCS £85,000 for UK clients
- EUR/USD: From 0.6 pips (commission-free)
- Platforms: Proprietary + MT4 + TradingView
- Min. deposit: $20
- Inactivity fee: None
5. Markets.com — No Inactivity Fee + 2,000+ Instruments
Markets.com is operated by the Finalto group (parent: Playtech PLC, FTSE 250-listed) and regulated by the FCA (FRN 607305), CySEC (092/08), ASIC, and FSCA. UK clients benefit from FSCS protection up to £85,000. Markets.com charges no inactivity fees. Its standout feature is instrument breadth: over 2,000 instruments including 2,000+ stock CFDs, with notably tight FTSE 100 pricing (~0.8 pts vs 1.60 industry average) and strong DAX 40 pricing (~1.0 pts vs 1.65 average).
Markets.com supports MT4, MT5, and its own proprietary platform with integrated research and news tools — giving traders genuine platform choice. The commission-free spread-only model on the standard account keeps cost calculations simple. For traders primarily focused on European index CFDs alongside Forex, Markets.com’s FTSE and DAX pricing is genuinely competitive. See our full Markets.com review for detailed spread and platform analysis.
- Regulation: FCA (FRN 607305), CySEC (092/08), ASIC, FSCA — FSCS £85,000 for UK clients
- EUR/USD: From ~0.9 pips (commission-free)
- Platforms: Proprietary + MT4 + MT5
- Min. deposit: $100
- Inactivity fee: None (verify current terms)
6. Equiti — No Inactivity Fee + MENA Regional Depth
Equiti is part of Equiti Group, regulated by the FCA (FRN 800066), CySEC, Jordan Securities Commission (JSC), and FSCA (South Africa). UK clients benefit from FSCS protection. Equiti charges no inactivity fees. The broker’s primary differentiator is its genuine MENA regional infrastructure: offices in Dubai and Amman, Arabic-language support, Jordan Securities Commission licensing, and unique MENA currency pairs (USD/AED, USD/SAR, USD/EGP, USD/JOD) not available at most Western brokers.
Equiti’s Premier ECN account delivers EUR/USD spreads from 0.0 pips with institutional-quality liquidity sourced from the Equiti Group’s own liquidity arm. Islamic swap-free accounts are a core product across all tiers, reflecting the broker’s MENA orientation. For traders in the Gulf Cooperation Council, Jordan, or East Africa who want a locally-regulated, FSCS/CySEC-covered broker with no dormancy penalties, Equiti is the strongest reviewed option. See our full Equiti review.
- Regulation: FCA (FRN 800066), CySEC, JSC (Jordan), FSCA — FSCS £85,000 for UK
- EUR/USD: From 0.0 pips (Premier ECN) | From ~1.0 pip (Standard)
- Platforms: MT4, MT5
- Min. deposit: ~$200
- Inactivity fee: None
7. DeltaStock — No Inactivity Fee + 27-Year Operating History
DeltaStock is the oldest broker on this list, founded in Sofia, Bulgaria in 1998 and regulated by the Bulgarian FSC under EU MiFID II. DeltaStock does not charge inactivity fees, and its 27-year continuous operating history is the longest track record of any broker reviewed on CompareBroker.io. EU clients are eligible for the Bulgarian Investor Compensation Fund (ICF) up to EUR 20,000.
DeltaStock is best known for its European equity CFD depth — including rare Bulgarian Stock Exchange (BSE Sofia) listings and Eastern European exchange coverage — and for its below-average DAX 40 spread (~1.0 pts vs 1.65 average). The proprietary Delta Trading platform has been developed continuously over two decades. For EU-based traders who value regulatory longevity and European market specialisation alongside zero non-trading fees, DeltaStock is a credible choice. See our full DeltaStock review.
- Regulation: Bulgarian FSC (EU MiFID II, RG-03-02/27.01.2021) — ICF up to €20,000
- EUR/USD: From ~0.8 pips (commission-free)
- Platforms: Delta Trading (proprietary) + MT4
- Min. deposit: ~$100
- Inactivity fee: None (verify current terms)
How Inactivity Fees Work and How to Avoid Them at Any Broker
Even at brokers that do charge inactivity fees, there are usually straightforward ways to prevent the charge from being applied. Understanding the trigger conditions makes avoidance simple.
What Triggers an Inactivity Fee?
Most broker inactivity fees are triggered by two simultaneous conditions: (1) the account has had no trading activity for a defined period, and (2) the account still holds a positive balance. A broker cannot legally charge an inactivity fee on a zero-balance account. The ‘activity’ threshold varies by broker — some require a completed trade, others consider a login sufficient to reset the counter.
At AvaTrade, the fee triggers after 3 consecutive months with no login or trading activity. At eToro, the fee triggers after 12 months with no trading activity and requires funds to be present. At XTB, the fee triggers after 12 months without trading (waived if stocks or ETFs are held). At XM Group, activity within 90 days is required to avoid the charge.
Practical Ways to Avoid Inactivity Fees
- [object Object]The most reliable solution is to use a broker that does not charge dormancy fees. All seven brokers listed in this guide fall into this category.
- [object Object]At some brokers (including eToro), a simple login resets the inactivity clock without requiring an actual trade. Check whether your broker counts logins as activity.
- [object Object]A single micro-lot trade of any instrument resets the activity counter at most brokers. If you want to maintain an account but are not actively trading, a single small trade every 60–80 days prevents the fee at most brokers with a 90-day threshold.
- [object Object]Most inactivity fees only apply while a positive balance is held. Withdrawing your balance before an extended break prevents any charge from accumulating. When you return, you can fund the account again.
- [object Object]Some brokers exempt accounts holding real stocks, ETFs, or other non-CFD positions from the inactivity fee even if there is no active trading. XTB, for example, waives its €10/month charge for accounts that hold real stocks or ETFs.
Complete Inactivity Fee Policy Comparison 2026
Broker | Fee Charged? | Trigger Period | Fee Amount | Annual Impact |
Pepperstone | None | N/A | £0 / $0 | No impact — ever |
Eightcap | None | N/A | £0 / $0 | No impact — ever |
ThinkMarkets | None | N/A | £0 / $0 | No impact — ever |
Capital.com | None | N/A | £0 / $0 | No impact — ever |
Markets.com | None | N/A (verify) | £0 / $0 | No impact (verify) |
Equiti | None | N/A (verify) | £0 / $0 | No impact (verify) |
DeltaStock | None | N/A (verify) | £0 / $0 | No impact (verify) |
ADSS | None | N/A | $0 | No impact |
AvaTrade | Yes | 3 months | $50/quarter | ~$200/year |
eToro | Yes | 12 months | $10/month | ~$120/year |
XTB | Yes | 12 months | €10/month | ~€120/year (waived if stocks held) |
XM Group | Yes | 90 days | Varies (verify) | Verify |
TIO Markets | Yes | Varies | Varies (verify) | Verify |
What Else to Consider Beyond Inactivity Fees
The absence of an inactivity fee is an important but narrow criterion. A broker with no inactivity fee but wide spreads, poor execution, or weak regulation may ultimately cost you far more than a broker that charges a modest dormancy fee but provides dramatically better trading conditions. When evaluating brokers alongside inactivity fee policy, consider:
Regulation and Investor Protection
The quality of investor protection matters most when things go wrong. FCA regulation provides FSCS coverage up to £85,000 for UK clients — the highest consumer protection available in the retail CFD space. ASIC regulation provides equivalent rigour for Australian clients. All seven brokers in our no-inactivity-fee list hold at least one Tier-1 regulatory licence. For a full comparison of FCA-regulated brokers specifically, our Compare FCA Regulated Brokers page is the definitive resource.
Spread and Commission Costs
For active traders, the spread and commission cost per trade dwarfs any inactivity fee in terms of total annual impact. A trader executing 20 standard lots per month on EUR/USD saves approximately $100/month — $1,200/year — by choosing a 0.0 pip raw-spread broker at $3.50/side versus a 1.0 pip spread-only broker. Our Compare Zero Spread Brokers and Compare ECN Brokers pages provide detailed cross-broker spread analysis.
Platform Quality
The trading platform determines the quality of your analysis and execution environment. MetaTrader 4 and MT5 remain the most widely used platforms, but TradingView integration is increasingly valued for its superior charting. Our Compare MT4 Brokers page compares the strongest MT4 implementations.
Withdrawal Fees
Some brokers that charge no inactivity fees still apply withdrawal fees. eToro charges a flat $5 per withdrawal; ADSS charges $5 per withdrawal. Pepperstone, Eightcap, ThinkMarkets, and Capital.com charge no withdrawal fees, making them genuinely zero-non-trading-cost brokers.
Demo Account Availability
Traders who want to evaluate a new broker before committing funds can use demo accounts — available at all seven brokers listed here. Our Compare Forex Demo Accounts page compares demo quality, including which brokers offer unlimited demo periods versus time-limited trials.
Frequently Asked Questions: Forex Brokers with No Inactivity Fee
Which Forex brokers genuinely charge no inactivity fee?
Based on our verified research in 2026, the following regulated Forex and CFD brokers charge no inactivity fees: Pepperstone, Eightcap, ThinkMarkets, Capital.com, Markets.com, Equiti, DeltaStock, and ADSS. Always verify the current policy directly with any broker before opening an account, as fee schedules can change.
How much can inactivity fees cost me?
The cost ranges significantly by broker. AvaTrade charges $50 per quarter after 3 months of inactivity — $200 per year for a fully dormant account. eToro charges $10 per month after 12 months — $120 per year. XTB charges €10 per month after 12 months (waived for stock/ETF holders). XM Group charges an unspecified amount after 90 days. For a trader who takes a 6-month trading break, AvaTrade’s inactivity fee alone could cost $100.
Does a simple login count as activity and prevent the fee?
It depends on the broker. At some brokers (including eToro in certain contexts), a login alone can reset the inactivity clock. At others (including AvaTrade), only an actual trade or login-and-portfolio-check within the account constitutes activity that resets the counter. Confirm with your specific broker what action is required to prevent the fee from triggering.
Is it better to withdraw funds rather than pay inactivity fees?
In most cases, yes. If you plan to be away from trading for more than the inactivity fee threshold, withdrawing your balance before the threshold is typically better than paying dormancy fees. When you return, you simply re-deposit. Most brokers with no inactivity fee process withdrawals for free on standard methods, making the round-trip cost of withdrawing and re-depositing minimal.
Do all the no-inactivity-fee brokers offer FCA regulation?
Most do: Pepperstone (FCA FRN 684312), Eightcap (FCA), ThinkMarkets (FCA FRN 629628), Capital.com (FCA), Markets.com (FCA FRN 607305), and Equiti (FCA FRN 800066) all hold active FCA licences. DeltaStock holds EU MiFID II regulation via the Bulgarian FSC rather than FCA directly. For traders who specifically require FCA regulation with FSCS protection, the first six are all appropriate options. See our Compare FCA Regulated Brokers comparison for detailed analysis.
Summary — Best Forex Brokers with No Inactivity Fee 2026: Best overall: Pepperstone — FCA + ASIC, 0.0 pip Razor account, 4 platforms, $0 minimum deposit Best for crypto: Eightcap — 500+ crypto CFDs, 0.0 pip Raw account, FCA regulated Best platform: ThinkMarkets — ThinkTrader proprietary + MT4/MT5, FCA + ASIC Best for beginners: Capital.com — AI analytics, $20 min deposit, 6,000+ instruments Best for EU equities: DeltaStock — 27-year track record, DAX below avg, Eastern European stocks Best for MENA: Equiti — FCA + JSC, Arabic support, MENA currency pairs
Further Reading
Understanding which brokers charge the lowest spreads alongside their zero inactivity fee policy will help you identify the most cost-effective combination for your trading style. Our dedicated guide on the Lowest EUR/USD Spread Forex Brokers 2026 provides a detailed spread comparison across all major regulated brokers. For traders who specifically want raw ECN pricing, our Compare ECN Brokers page covers the full ECN market. The Compare Forex Brokers tool allows side-by-side comparison across all key metrics including inactivity fees, spreads, regulation, and platforms simultaneously.
Disclaimer: This article is published by CompareBroker.io for informational purposes only and does not constitute financial or investment advice. Broker fees, spreads, and policies are subject to change — always verify current terms directly with the broker before opening an account. CompareBroker.io may have affiliate relationships with some brokers listed. CFD and Forex
