AvaTrade Fees & Spreads 2026: Commission, Inactivity Fee and the Real Cost of Trading

Short answer: AvaTrade charges no separate commission on its CFD pricing — its fee is the spread built into the prices it quotes. On top of that you may pay overnight premiums on positions held past the daily funding time, a $50 inactivity fee after 3 months without use, and a $100 administration fee after 12 months. The minimum deposit is $100. All figures below were read on AvaTrade's own pages on 30 September 2026.

How AvaTrade Charges You

AvaTrade's fees page states that it "is compensated for its services through the Buy/Sell (Bid/Ask) spread", and that the spread "is incorporated into the AvaTrade quoted rates and is not an additional charge or fee payable by you above the quoted rates". There is no per-lot commission line on its CFD pricing; the spread is the headline cost.

That is a different model from raw-spread brokers, which show near-market spreads and add a per-lot commission. We compare the two in full in spread vs commission; this guide focuses on the specific costs you meet at AvaTrade. You can open an AvaTrade account or test the pricing on a free demo before committing.

The Spread — Your Main Cost

To see the spread on any instrument, AvaTrade says to log in, search for the instrument and open its details (the "i" icon). Its forex conditions page describes the published figures as typical spreads — "derived from the median value of the respective spreads during trading hours (07.00-18.00 GMT) from a previous quarter" — and adds that they "may widen due to volatile market conditions". So the spread is predictable in normal conditions, but it is not guaranteed during news or thin markets. Gold and silver spreads may also be wider from about 22:00 to 02:00 GMT, according to the same page.

A simple worked example. Suppose EUR/USD is quoted at an assumed 0.9-pip spread and you trade one standard lot (where one pip is worth $10). The spread cost of that trade is about $9. Trade it 50 times in a month and the spread alone is about $450. That is the number to weigh against a raw-spread-plus-commission broker if you trade actively. *(The 0.9-pip figure is an assumption for the arithmetic — read the live spread in the platform.)*

Overnight Swaps — the Cost People Forget

Hold a position past AvaTrade's "Overnight Funding Time" and an overnight premium (swap) is deducted from your account, driven largely by the interest-rate difference between the two currencies. This is separate from the spread. On multi-day positions it can dwarf the spread, and the weekend is charged in advance: for MT4/MT5 FX, gold and silver positions AvaTrade debits or credits Saturday and Sunday interest on the Wednesday before. We explain the mechanics and how to check the figures in forex swap and rollover fees explained. If you plan to hold longer-term, AvaTrade also offers a swap-free (Islamic) account option — compare its administration charge against standard swaps.

Account Fees — Inactivity and Administration

The fees that catch people out are the dormancy charges:

• Inactivity fee — $50, €50 or £50 (by account currency), deducted after 3 consecutive months of non-use and again after every further inactive period, "unless prohibited by law".
• Administration fee — $100, €100 or £100, deducted after 12 consecutive months of non-use.

Both are avoidable by keeping the account in use, and both are subject to change — AvaTrade says so on the same page. On a small account they matter more than the spread: two inactivity fees would consume a $100 balance left idle for six months. Other brokers' dormancy rules are compared in inactivity fees explained.

Deposits, Withdrawals and Currency Conversion

The minimum deposit is $100 (or €100, £100, AUD 100) by card or wire transfer. Cards and wire transfer are open to all clients; e-wallets such as Skrill and Neteller are not available to EU and Australian clients. Withdrawals are processed in 24–48 hours after verification, according to AvaTrade, though a wire can take up to 10 business days to arrive. Two further costs are worth checking:

• Currency conversion — if you fund in a currency different from your account's base currency, a conversion cost can apply. Opening the account in the currency you fund with avoids it — see account currency conversion costs.
• Payment-method fees — some card or e-wallet providers add their own fees on the funding side, which are outside the broker's control.

AvaTrade Cost Summary

Every figure above can change and varies by region and entity — verify the current schedule directly with AvaTrade before you trade.

The Bottom Line

AvaTrade's spread-only, no-separate-commission model is simple, which suits lower-frequency traders who value one all-in number — provided they keep the account active enough to avoid the dormancy fees. Active, high-volume traders should run the numbers against a raw-spread broker, and everyone holding overnight should factor in swaps. Whatever you conclude, confirm the live spreads and current fee schedule directly — then, if it fits, open an account or start on a free demo. Our full AvaTrade review covers platforms, regulation and the wider verdict.

Risk Warning

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. A majority of retail investor accounts lose money when trading CFDs — 65% at AvaTrade (AVA Trade EU Ltd), per the warning on its own site on 10 October 2026; provider figures are entity-specific and updated periodically. Fees, spreads and availability vary by country and AvaTrade entity. This article is general information, not financial advice — verify all current costs directly with AvaTrade and never risk money you cannot afford to lose.