Independent broker research
027Vol. IVJuly 10, 2026
Independent broker research

Long-term investing

Avatrade Inactivity Fees guide

Inactivity fees matter more to long-term investors than to frequent traders, because a buy-and-hold approach can leave an account without qualifying activity for months at a time. This guide does not state Avatrade's current inactivity fee terms, because fee schedules change and can vary by entity and region. Instead, it walks through exactly what to verify in Avatrade's own published documents so you know whether dormancy charges could erode a long-term account and how to avoid surprises.

Avatrade Inactivity Fees guide cover image

Find the authoritative fee schedule and read the dormancy terms

The only reliable source for inactivity fee information is the broker's current fee schedule and client agreement, published on its own website. Locate the sections covering inactivity, dormancy or administration fees and note the exact wording. Pay attention to how inactivity is defined, since some brokers count login activity while others require a trade or a funding event. Also check whether the fee is charged monthly, quarterly or annually, whether it escalates over time, and in which currency it is billed. Save or screenshot the document with its date, so you have a record of the terms that applied when you opened the account.

  • Read the current fee schedule and client agreement on Avatrade's own site, not third-party summaries.
  • Note the exact definition of inactivity: whether logging in, trading or depositing resets the clock.
  • Check the charging frequency, the amount, the billing currency and whether the fee changes with longer dormancy.
  • Keep a dated copy of the documents you relied on when opening the account.

Model the impact on a long-term, low-activity account

A recurring dormancy charge can meaningfully reduce a small or infrequently traded account over several years. Once you have the verified figures from the fee schedule, calculate the annual cost against your expected account balance and activity pattern. A long-term investor who buys once or twice a year may or may not trigger dormancy definitions depending on how the broker measures activity, so this calculation depends entirely on the verified wording. You can combine inactivity charges with other verified account costs using the brokerage fee calculator at /tools/brokerage-fee-calculator to see the total annual drag on your plan.

  • Estimate how many months per year your account might count as inactive under the verified definition.
  • Multiply the verified fee by its charging frequency to get an annual figure, and compare it with your balance.
  • Use /tools/brokerage-fee-calculator to combine dormancy charges with other account and trading costs.
  • Reassess whenever the broker publishes an updated fee schedule.

Confirm entity, notice terms and how fees are deducted

Fee terms can differ between a broker's regulated entities, so confirm which legal entity would hold your account and read the documents for that specific entity. Check how the broker notifies clients of fee changes, how much notice the client agreement requires, and what happens if fees reduce an account balance to zero, including any account closure provisions. Also verify whether fees are deducted from cash balances only or can force position changes. If dormancy charges are a concern for your approach, use the checklist at /find-my-broker to weigh this factor alongside other verified criteria, and see /invest-long-term for related guides on structuring a low-maintenance portfolio.

  • Identify the exact legal entity in your client agreement, since fee terms can differ between entities.
  • Check the notice period for fee changes and how the broker communicates updates.
  • Verify what happens when fees deplete a balance, including any dormancy closure provisions.
  • Weigh inactivity terms against your other criteria using /find-my-broker.

Continue researching

Open related InvestorTrip pages before treating this topic as a final decision.

FAQ

Does Avatrade charge an inactivity fee?

You should verify this directly in Avatrade's current fee schedule and client agreement for the entity that would hold your account. Fee terms change over time and can differ by region, so this page does not state a current figure. Read the published documents and confirm with support in writing if anything is unclear.

What usually counts as activity to avoid a dormancy charge?

Definitions vary by broker. Some count a login, others require a trade, and some require a deposit or withdrawal. The only way to know how Avatrade defines it is to read the exact wording in its current client agreement and fee schedule, since the definition determines whether a buy-and-hold investor is affected.

Can inactivity fees reduce my account to zero?

Some brokers deduct dormancy fees until the balance is exhausted and may then close the account, while others cap or waive fees for empty accounts. Check the specific provisions in the broker's current client agreement to see how depleted or dormant balances are handled before you open an account.