FXCM Inactivity Fees guide

Inactivity fees are usually documented in a broker's fee schedule, terms of business or account agreement rather than on headline marketing pages. Locate the current fee schedule for the FXCM entity that would serve your country, then search it for terms such as inactivity, dormancy or maintenance fees. Pay attention to which account types the fee applies to, because demo, live and legacy accounts can be treated differently. If the documents are unclear, ask support in writing and save the reply with a date, so you have a record of what you were told and when.

If an inactivity fee exists, the definition of inactivity matters as much as the amount. Some brokers count only trades as activity, while others also count logins, deposits or withdrawals. Check how long the inactive period must be before charging starts, whether the fee is charged once or repeats monthly, whether it is capped at your remaining balance, and whether it can be refunded if you resume trading. Also check what happens when a fee-drained account reaches zero, such as automatic closure or archiving. These mechanics determine whether a dormant account loses a small fixed amount or is gradually emptied.

Long-term strategies often involve months without trades, so decide in advance how you will manage dormancy rules. Options include setting calendar reminders to log in or place a small transaction if that counts as activity, keeping only working capital at the broker, or withdrawing funds during long pauses. Add any potential inactivity charges to your overall cost estimate using the InvestorTrip brokerage fee calculator, and weigh them alongside spreads, commissions and funding costs. If a broker's dormancy terms conflict with your holding style, use the Find my broker checklist to evaluate alternatives on the same criteria, and review related guides in the long-term investing hub.