Best Brokers With No Inactivity Fees 2026
See the top brokers with no inactivity fees following our tests. If you’re trading occasionally, protect your investments by avoiding charges for dormant accounts.
Written ByPaul Holmes
With over 15 years of trading experience, including developing algorithmic strategies on MetaTrader and evaluating brokers, he brings deep expertise in market analysis and trader education, helping traders choose the right platform for their requirements.
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Fact Checked ByTobias Robinson
Tobias is committed to helping traders find the right brokerage for their needs. He has tested 200+ brokers, spent 2,600+ hours using different platforms, and placed 2,100+ trades.
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Edited ByJames Barra
James is an experienced broker analyst with a background in financial services. He has spent 2,500+ hours testing brokers, used 35+ different platforms and apps, audited 120+ broker T&Cs, and verified 300+ regulatory licenses.
James Barra Profile PageFebruary 19, 2026
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1Interactive Brokers (IBKR) is a leading brokerage offering access to over 170 markets in 40 countries and a range of investment services. With 40+ years in the industry, this Nasdaq-listed company follows strict regulations by the SEC, FCA, CIRO, and SFC, making it a trusted global trading broker.
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2Plus500US, a broker since 2021 in the US, is authorized by the CFTC and NFA. It offers futures trading in forex, indices, commodities, cryptocurrencies, and interest rates. Sign-up takes 10 minutes with a $100 minimum deposit ($200 by wire transfer). The web platform is simple, enhancing its services for US traders.
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3Moomoo is a regulated trading platform which is controlled by SEC. It provides a simple, cost-effective method to trade in stocks, ETFs, and various assets from China, Hong Kong, Singapore, the US, and Australia. They provide the option for margin trading, along with no deposit account and several bonus options.
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4Firstrade is a US-based discount broker-dealer authorized by the SEC and a member of FINRA/SIPC. It offers welcome bonuses, advanced tools and apps, and commission-free trading. Firstrade Securities is a popular top online brokerage, and opening a new account is fast and simple.
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5Coinbase, started in 2012 for buying and selling Bitcoin with bank transfers, has grown into a major crypto company. It now offers over 240 crypto assets, advanced trading platforms for investors, is listed on the U.S. Nasdaq, and holds licenses from several regulators. In May 2025, Coinbase became the first crypto firm in the S&P 500, boosting its credibility.
Top Brokers With No Inactivity Fees Comparison
| Broker |  |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 |
✓ | ✓ | $0 | $100 | 1:50 (major forex pairs), 1:2-1:4 (equities) | ✗ | SEC, FINRA, CFTC, NFA, CIRO, FCA, CBI, ASIC, SFC, SEBI, JFSA, MAS | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, Cryptocurrencies, CFDs Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, Cryptocurrencies | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower | USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF | Capitalise.ai, TWS API | ✓ | ✗ | |
 |
✓ | ✓ | $100 | Variable | Variable | ✗ | CFTC, NFA | Futures on Cryptocurrencies, Metals, Agriculture, Forex, Interest rates, Energy, Equity Index future contracts | WebTrader, App | USD | ✗ | ✗ | ✗ | |
 |
✓ | ✓ | $0 | $0 | 1:2 | ✗ | SEC, FINRA, SIPC, MAS, SFC, ASIC, FMA, CIRO, CIPF, JFSA, SC | Stocks, Options, ETFs, ADRs, OTCs ,Futures | Desktop Platform, Mobile App | USD, HKD, SGD | ✗ | ✓ | ✗ | |
 |
✓ | ✗ | $0 | $1 | ✗ | ✗ | SEC, FINRA | Stocks, ETFs, Options, Mutual Funds, Bonds, Fixed | Firstrade Invest 3.0, TradingCentral | USD | ✗ | ✗ | ✗ | |
 |
✓ | ✗ | $0 | $2 | ✗ | ✗ | CSSF, CBI, CySEC, BaFin, MAS, OSC, ASIC, BMA | Crypto, Stocks, ETFs (US only), Pre-IPO Perpetual Futures (non-US) | Coinbase, Advanced Trade, Wallet, NFT, TradingView | USD, EUR | ✗ | ✓ | ✗ | |
| Broker | |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
How Secure Are The Top Brokers That Don’t Charge Inactivity Fees?
Here's how the top zero-inactivity-fee brokers protect your funds and maintain platform safety:
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
|---|---|---|---|---|
|
✗ | ✓ | ✓ | |
|
✗ | ✗ | ✓ | |
|
✗ | ✗ | ✓ | |
|
✗ | ✗ | ✗ | |
|
✗ | ✗ | ✓ | |
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
Top No-Inactivity-Fee Brokers For Mobile Trading
See which no-inactivity fee brokers offer the best experience on mobile apps following our app evaluations:
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
|---|---|---|---|---|
|
iOS & Android | ✓ | ||
|
iOS & Android | ✗ | ||
|
Yes (iOS & Android) | ✗ | ||
|
iOS & Android | ✗ | ||
|
iOS & Android | ✗ | ||
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
Are The Top Brokers Without Inactivity Fees Good For New Traders?
An inactivity fee-free account is beginner-friendly, but see what other tools and support these brokers offer:
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
|---|---|---|---|---|---|---|---|
|
✓ | $0 | $100 | ✓ | ✗ | ||
|
✓ | $100 | Variable | ✗ | ✗ | ||
|
✓ | $0 | $0 | ✗ | ✗ | ||
|
✗ | $0 | $1 | ✓ | ✗ | ||
|
✗ | $0 | $2 | ✗ | ✗ | ||
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
Are The Top Brokers Without Inactivity Fees Good For Experienced Traders?
Some seasoned investors prefer platforms that combine zero inactivity fees with powerful trading tools:
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
|---|---|---|---|---|---|---|---|---|
|
Capitalise.ai, TWS API | ✗ | ✓ | ✓ | ✗ | 1:50 (major forex pairs), 1:2-1:4 (equities) | ✓ | ✓ |
|
✗ | ✗ | ✗ | ✗ | ✗ | Variable | ✓ | ✗ |
|
✗ | ✗ | ✓ | ✓ | ✗ | 1:2 | ✗ | ✓ |
|
✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
|
✗ | ✗ | ✓ | ✓ | ✗ | ✗ | ✓ | ✗ |
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
Accounts Comparison
Compare the trading accounts offered by Best Brokers With No Inactivity Fees 2026.
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
|---|---|---|---|---|---|---|---|---|---|
|
✓ | USD: 3.14%, GBP: 3.24% | ✗ | ✓ | ✓ | ✗ | ✓ | ✗ | ✗ |
|
✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✓ | USD: 3.35% | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✗ | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
Compare Ratings Of The Top Brokers With No Inactivity Charges
See how the top brokers with zero inactivity fees scored across our detailed rating criteria:
| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
|---|---|---|---|---|---|---|---|---|---|
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| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
Total Cost Comparison – Beyond Inactivity Fees
Inactivity fees are just one part of the picture. See how the top brokers stack up on overall trading costs:
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
EUR/USD Spread |
Crypto Spread |
|---|---|---|---|---|---|
|
✗ | $0 | 0.08-0.20 bps x trade value | 0.12%-0.18% | |
|
✗ | $0 | 0.75 | ✗ | |
|
✗ | $0 | ✗ | ✗ | |
|
✗ | $0 | ✗ | Variable | |
|
✗ | $0 | ✗ | 0.5% - 1% (BTC) | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
EUR/USD Spread |
Crypto Spread |
Customer Ratings
Compare how customers of these brokers feel about them, with real user ratings from Trustpilot, the Apple App Store and Google Play.
| Broker | Customers |
Trustpilot Score |
Trustpilot Reviews |
Android App Rating |
iOS App Rating |
|---|---|---|---|---|---|
|
4,300,000 | 5,398 | |||
|
32,000,000 | 19,518 | |||
|
24,000,000 | 487 | |||
|
✗ | 51 | |||
|
108,000,000 | 22,598 | |||
| Broker | Customers |
Trustpilot Score |
Trustpilot Reviews |
Android App Rating |
iOS App Rating |
How Popular Are These Brokers That Don't Charge An Activity Fee?
Casual traders often look for brokers with the most clients as a sign of reliability:
| Broker | Popularity |
|---|---|
| Coinbase |
|
| Plus500US |
|
| Moomoo |
|
| Interactive Brokers |
|
Why Trade With Interactive Brokers?
Interactive Brokers is ideal for seasoned traders due to its robust charting platforms, updated data, and adaptability, especially with the IBKR Desktop application. Its exceptional pricing and advanced order features appeal to traders, and its variety of stocks remains unmatched in the market.
Pros
- IBKR offers exceptional access to global stocks, with thousands of equities available from over 100 market centers in 24 countries, including the recent addition of the Saudi Stock Exchange.
- IBKR, primarily designed for skilled traders, has expanded its appeal recently by eliminating its initial $10,000 deposit requirement.
- IBKR provides a cost-effective platform for traders by offering low fees, narrow spreads, and clear pricing.
Cons
- In 2025, IBKR was fined $11.8 million by the US OFAC for offering services in restricted areas. It also faced a $125,000 fine from FINRA in 2025 for failing to disclose municipal bond information.
- TWS is complex, and beginners might find it difficult to use and understand all its features.
- Customer service may take time to respond, and there may be delays in fixing problems based on tests. It could be difficult to reach the customer service promptly.
Why Trade With Plus500US?
Plus500US is a great option for beginners with its easy-to-use platform and access to the Futures Academy to improve trading skills. It received second place in DayTrading.com's 'Best US Broker' award for its strong tools and dependable service.
Pros
- Plus500 included prediction markets in its 'Plus500 Futures' platform in February 2026. This addition offers event-based trades in 10 categories, such as financials and politics, and includes short-term intraday contracts expiring in 15 minutes.
- The Futures Academy is a useful resource for beginner traders due to its captivating videos and simple articles. Its unrestricted demo account is also beneficial for practicing trading strategies.
- Plus500US stands out for its low fees, competitive trading margins, and no charges for inactivity, live data, routing, or platform use.
Cons
- Plus500US lacks social trading features, unlike competitors such as eToro US, which might enhance its appeal to aspiring traders.
- Testing showed fast response times for support, but phone aid is not available.
- Plus500US offers competitive pricing but does not have a discount program for high-volume traders, unlike brokers like Interactive Brokers.
Why Trade With Moomoo?
Moomoo is a great option for beginner and intermediate traders aiming to diversify their investment portfolio. The brokerage's app is easily navigable and the trading fees are significantly low.
Pros
- The broker provides early access to trading hours before the market opens.
- The fees for options contracts have been lowered from $0.65 to $0.
- The Moomoo AI assistant, available on the desktop software and app, offers valuable market insights for active traders.
Cons
- The account options are limited compared to similar brokerages, with no managed portfolios or robo-advisor solutions.
- The protection against negative balance, a standard security measure at highly regulated brokers, is not available here.
- The demo account is limited compared to live trading, lacking a desktop terminal, technical analysis tools, and after-hours trading, which may hinder traders from backtesting certain strategies.
Why Trade With Firstrade?
Firstrade is ideal for beginners wanting to trade US stocks without commission fees. It offers plenty of free educational resources and high-quality research, including its new FirstradeGPT tool. Users also get trading ideas from Morningstar, Briefing.com, Zacks, and Benzinga.
Pros
- Improved stock trading features now include overnight trading and fractional shares.
- In 2025, Firstrade Invest 3.0 will enhance the platform with a cleaner interface and faster order entry, benefiting active traders in key areas such as watchlists and options chains.
- Great broker for cost-conscious traders with low OTC fees
Cons
- Firstrade emphasizes stocks and lacks forex options, reducing diversification opportunities.
- Over 90% of the evaluated options lack a demo or paper trading account.
- Customer support needs improvement after testing, but 24/7 help is now available.
Why Trade With Coinbase?
Coinbase is great for beginners who want an easy-to-use platform to buy and sell various cryptocurrencies, with strong security and regulatory compliance. However, its fees are higher than competitors in our tests, and it’s less suited for short-term traders.
Pros
- Users can automatically direct their paycheck into USDC or other cryptocurrencies, with a daily deposit limit of $200,000.
- Coinbase offers over 240 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and new altcoins like $Trump, providing early access to emerging tokens.
- Coinbase Advanced now integrates TradingView, a rare feature for crypto exchanges, enabling users to trade spot and futures markets directly from real-time charts with advanced technical analysis tools.
Cons
- Customer support is frustrating during testing because most help options require login, making it difficult for locked-out users or those without accounts to get assistance.
- Crypto fees are high based on tests, especially when compared to competitors like Kraken and BitMEX, particularly on the regular trading platform.
- Advanced Trade provides TradingView charts but lacks research tools like news feeds, economic calendars, and AI market insights.
Filters
How We Chose The Best Brokers Without Activity Fees
We selected the best brokers with no inactivity fees by reviewing fee structures across every broker in our evolving database as part of our testing process.
We then ranked the top no-inactivity-fee brokers by their overall ratings, using insights from hands-on platform testing and over 200 data points per provider.
This ensures our top picks not only skip the inactivity charges but also deliver a feature-rich, reliable trading experience for all types of investors.
What To Look For In A Top Broker With No Charge For Account Inactivity
Finding a broker that doesn’t charge inactivity fees means you can trade on your terms without worrying about your account balance shrinking when you take a break.
Whether you’re a high-frequency trader, a long-term investor, or someone who trades occasionally, let’s dig into the key factors to consider when choosing a provider:
No Penalties For Dormant Accounts
Starting with the essentials, nobody likes sneaky fees, especially when they’re charged just for not trading. Some brokers slap inactivity fees on your account if you take a break, but the best ones let you step away without financial punishment.
Why no inactivity fees matter:
- Saves you money – Your balance stays intact, even if you don’t trade for months.
- Trade at your own pace – No pressure to keep placing trades just to avoid fees.
- Ideal for casual traders – Perfect if you occasionally dip in and out of the market.
Enter Trade Nation. Trade Nation stands out as a leading broker that doesn’t penalize you for taking a break. Whether you’re on vacation, testing out new strategies, or simply sitting out volatile markets, you won’t find your account getting drained by inactivity fees. You can log in at your own pace without worrying about your balance mysteriously shrinking.
No Hidden Charges
Hidden fees can quietly eat into your trading profits, and some brokers sneak in extra charges beyond just inactivity fees; think deposit fees, withdrawal costs, or platform charges. The best brokers, however, keep things simple and transparent.
Why low-cost trading matters:
- Maximize your profits – Lower costs mean you keep more of your earnings.
- Scalping and day trading friendly – Frequent traders benefit from minimal fees.
- Transparent pricing – No surprises, just clear and fair costs.
Enter Fusion Markets. Fusion Markets is all about low-cost trading with a no-nonsense approach to fees. They don’t just eliminate inactivity fees; they also offer some of the lowest trading costs in the industry, ensuring that more of your money stays in your account.
Tight Spreads For Cost-effective Trading
High spreads can still eat into your profits even if a broker skips inactivity fees and hidden charges. The best brokers keep spreads tight, ensuring you get the most cost-effective trades possible.
Enter IC Markets. IC Markets is known for its razor-thin spreads, making it a go-to choice for traders who want to keep costs low. Whether you’re trading forex, indices, or commodities, you’ll find some of the best bid-ask spreads for active traders, starting from 0.0 pips. This means you don’t need the market to move much before you’re in profit.
You can check whether most brokers, like IC Markets in this example, charges an inactivity fee in their FAQs
Great For Beginners: User-Friendly And Transparent
Some brokers bury fees in the fine print, making it challenging for beginners to understand what they’re really paying. The best brokers, however, offer transparent pricing and an intuitive platform so new traders can focus on learning, not avoiding hidden costs.
Why transparency and simplicity matter:
- Ideal for new traders – No confusing fees or complex pricing structures.
- Easier learning curve – Focus on developing strategies, not dodging fees.
- Clear and honest pricing – What you see is what you get—no surprises.
Enter Pepperstone. Pepperstone is a beginner-friendly broker with a great reputation among our testing panel for transparency. There are no inactivity fees or tricky hidden charges, and the platform is designed to be easy to use, even for new traders – we know – we’ve used it.
Flexible For All Traders: From Casual To High-Volume
Whether you’re a casual trader who places a few trades a month or a high-volume trader executing multiple trades daily, you need a broker that doesn’t force you into a rigid fee structure. The best brokers offer flexibility, allowing you to trade at your own pace without financial penalties.
Why trading flexibility matters:
- No pressure to trade – Take breaks when needed without worrying about account fees.
- Scalable for all traders – Works for both occasional traders and high-frequency traders.
- Multiple account types – Choose from standard or raw spreads depending on your strategy.
Enter Eightcap. Eightcap caters to all types of traders, from beginners to pros, without imposing inactivity fees or restrictive trading conditions. Whether you’re taking a break or ramping up your trading volume, you won’t be penalized for adjusting your activity level.
Good For Long-Term Investors: No Pressure To Trade
Not all traders are active every day; some prefer to hold positions for weeks, months, or even years. If you’re a long-term investor, you need a broker that won’t penalize you for keeping your account open without frequent trading activity.
Why no pressure to trade matters:
- Perfect for long-term investing – Hold stocks, ETFs, or forex positions without being forced to trade.
- Ideal for infrequent traders – No need to worry about maintaining a minimum trading frequency.
- Access to global markets – Invest in thousands of assets across multiple markets.
Enter Interactive Brokers. Interactive Brokers stands out from our tests as catering to professional and long-term traders with its no inactivity fees and low-cost investing options. Whether you’re a buy-and-hold investor or a trader who only executes a few positions per year, IBKR allows you to manage your portfolio without worrying about surprise charges.
No Forced Closure Of Inactive Accounts: Keep Your Trading Options Open
We’ve discovered some brokers don’t just charge inactivity fees; they also close inactive accounts after a certain period, forcing traders to reapply or lose access to their funds.
If you want the flexibility to step away from the markets without worrying about losing your account, choosing a broker that keeps your account open indefinitely is crucial.
Enter Trade Nation. Trade Nation stands out by allowing traders to keep their accounts open indefinitely, no matter how long they remain inactive. Whether you’re taking a break, waiting for the right market conditions, or just not trading frequently, your account will always be there when you’re ready to return.
Why account stability matters:
- Trade on your own schedule – No rush to place trades just to keep your account open.
- Easy access when you return – No need to reapply or submit documents again.
- Funds remain secure – Your money stays in your account, untouched.
Access To A Wide Range Of Markets: Trade What You Want When You Want
If you’re trading across multiple asset classes, whether forex, stocks, commodities, or crypto, you’ll want a broker that gives you access to a wide range of markets without charging extra fees for inactivity.
Why market access matters:
- Global market access – Trade from a variety of global markets, all in one account.
- Diversify your strategy – Benefit from exposure to multiple asset classes.
- Trade anytime – Keep your account open and trade when the right opportunities arise.
Enter Pepperstone. Pepperstone provides access to a broad range of markets, including forex, indices, commodities, and more, with no inactivity fees to worry about. This allows traders to easily diversify their portfolios without the fear of forced account closures or extra charges for not trading regularly.
FAQ
What Is a Broker’s Inactivity Fee?
Inactivity fees are charges that some brokers apply when you have a trading account that’s not actively used.
Think of it like paying for a gym membership you haven’t visited in a while. The broker wants to cover the costs of keeping your account open, even if you’re not using it to trade.
The amount varies across different brokers, so it’s wise to review their policy on such fees to avoid being surprised.
That said, from our analysis, it typically ranges between $10 and $50 and applies after your account hasn’t been used in three months to one year.
How Can I Avoid My Broker’s Inactivity Fee?
The obvious one – make a trade. Set a calendar reminder to log into your account area and make a transaction or trade before the inactivity fee kicks in.
Alternatively, choose a broker with no inactivity fee.
Are Brokerage Inactivity Fees Legal?
Yes, in many major trading regions like the US, UK and Europe, it is legal for brokerages to charge fees for dormant accounts.
That said, rules can differ and change over time – so check the latest requirements in your jurisdiction.