- EUR/USD cost1.0 pips
- RegulatorFinantsinspektsioon
- Min. deposit50 PLN
Plus500 Review 2026: Fees, Safety and the CFD App
Plus500 is a CFD broker owned by Plus500 Ltd, a company listed on the London Stock Exchange (FTSE 250) that has been developing its platform since 2008. Clients in Poland and several other EU countries are served by Plus500EE AS (Tallinn), authorised by the Estonian Financial Supervision Authority (licence 4.1-1/18); French and other EU clients may be served by Plus500CY Ltd (CySEC 250/14), and UK clients by Plus500UK Ltd (FCA 509909). Plus500 offers more than 2,800 CFDs on its own platform and app.
In short: Plus500 is a simple, well-designed CFD app with no commission, no deposit fees, withdrawals generally free of charge (exceptions below) and a free demo. The drawbacks: no MetaTrader, CFDs only in most EU countries, a fee of up to $10 a month after three months without logging in, and a very high loss rate — 81% of retail CFD accounts lose money with Plus500EE. We checked the figures on Plus500’s website on 25 October 2026.
| Plus500 at a glance | Checked 25 Oct 2026 |
|---|---|
| Company (Poland and other EU countries) | Plus500EE AS — Estonian Financial Supervision Authority, licence 4.1-1/18 |
| Other group companies | Plus500CY (CySEC 250/14), Plus500UK (FCA 509909), Plus500AU (ASIC 417727), Plus500SG (MAS), Plus500AE (DFSA) and others |
| Parent company | Plus500 Ltd — listed on the LSE (FTSE 250) |
| CFD risk warning (Plus500EE) | 81% of retail investor accounts lose money when trading CFDs with this provider. |
| Leverage (EU retail) | up to 1:30 |
| Commission | none — cost in the spread, plus overnight funding |
| Deposits and withdrawals | no Plus500 fees as a rule; Plus500EE agreement: bank transfer — bank charges up to $6; $10 for a withdrawal below $100 or more than 5 withdrawals a month |
| Inactivity fee | up to $10/month after 3 months without logging in |
| Platform | Plus500’s own platform (web, Windows, iOS, Android); no MT4/MT5 |
| Instruments | 2,800+ CFDs |
📌 Table of Contents
- 1. Is Plus500 safe?
- 2. Fees and costs
- 3. Platform and app
- 4. Products: CFDs only
- 5. Deposits and withdrawals
- 6. Pros, cons and verdict
- 7. Alternatives to Plus500
- 8. How to open a Plus500 account — step by step
- 9. What trading with Plus500 really costs
- 10. Withdrawing money from Plus500 — how it works
- 11. Plus500 compared with other brokers
- 12. Leverage and client protection in the EU (ESMA)
- 13. Tax on profits from Plus500
- 14. Glossary: terms to know before opening a Plus500 account
- 15. FAQ
1. Is Plus500 safe?
Yes, Plus500 is regulated. Which company you contract with depends on your country — in Poland it is Plus500EE AS (Estonia), in France Plus500CY Ltd (Cyprus), in the UK Plus500UK Ltd. The parent company, Plus500 Ltd, is listed in London and publishes financial reports.
- Client money is held in segregated bank accounts; Plus500EE is a member of the Estonian investor protection fund (Tagatisfond).
- Negative balance protection and ESMA leverage limits for EU retail clients; no bonuses for retail clients.
- Warning lists: Plus500 is not on the public warning list of Poland’s regulator KNF (checked 25 October 2026).
81% of retail investor accounts lose money when trading CFDs with this provider.
2. Fees and costs
| Fee | Plus500 (Plus500EE) |
|---|---|
| Commission | none — Plus500 earns from the spread |
| Spread | variable; shown in each instrument’s details on the platform |
| Overnight funding | charged on positions held past the overnight funding time |
| Currency conversion | for instruments in a currency other than your account currency |
| Guaranteed stop | available, with a wider spread |
| Deposits and withdrawals | no Plus500 fees (your bank or payment provider may charge); under the Plus500EE agreement a bank-transfer withdrawal may incur bank charges of up to $6, and a $10 fee may apply to a withdrawal below the $100 minimum or to more than 5 withdrawals a month |
| Inactivity | up to $10 a month if you do not log in for at least 3 months |
Tip: the inactivity fee is easy to avoid — log in at least once every three months or withdraw unused funds.
3. Platform and app
Plus500 uses its own platform in the browser, on Windows and as an iOS/Android app, with 100+ technical indicators, price alerts, a guaranteed stop and a free demo account. There is no MetaTrader 4/5 and no automated trading.
4. Products: CFDs only
Plus500 offers more than 2,800 instruments as CFDs on shares, indices, forex, commodities, ETFs and options. Plus500 Invest (real shares) is not available in every country — for example, it is not available in Poland. Crypto CFDs are not available to EU retail clients.
5. Deposits and withdrawals
- Plus500 charges no deposit or withdrawal fees and covers most payment processing costs.
- Exceptions under the Plus500EE client agreement (User Agreement version 7, 04/2026): a bank-transfer withdrawal may incur bank charges of up to $6, and Plus500 may charge $10 for a withdrawal below the minimum amount ($100) or for more than 5 withdrawals a month.
- Banks or payment providers may charge fees, e.g. for international card transactions or unsupported currencies.
- Available payment methods depend on your country and are shown in the client area.
6. Pros, cons and verdict
✅ Plus500 pros
- EU-regulated companies; parent listed in London.
- No commission, no deposit fees and, as a rule, no withdrawal fees.
- Simple, polished app and free demo.
- 2,800+ CFDs and a guaranteed stop.
- Negative balance protection.
❌ Plus500 cons
- 81% of retail CFD accounts lose money — one of the highest rates.
- CFDs only in many EU countries.
- No MetaTrader or automated trading.
- Up to $10 a month after 3 months without logging in.
ForexRev verdict
Plus500 is a convenient, transparent CFD app from a regulated, publicly listed group, with no commission and, as a rule, no payment fees. The very high loss rate is a reminder that leveraged CFDs suit only traders who understand the risk; long-term investors should look at a stock broker instead.
81% of retail investor accounts lose money when trading CFDs with this provider.
7. Alternatives to Plus500
- XTB — CFDs plus real stocks and ETFs.
- Trade Nation — fixed spreads, MT4 and TradingView.
- AvaTrade — MetaTrader 4/5 and the AvaTradeGO app.
See more in our forex broker ranking.
8. How to open a Plus500 account — step by step
- Register on the Plus500 website — EU clients should be served by an EU company: Plus500CY Ltd — CySEC licence 250/14. Check the company name in your client agreement before depositing.
- Enter your personal details and complete the questionnaire. Before offering CFDs, an EU broker must assess your knowledge and experience (the MiFID II appropriateness test) and warn you if CFDs are not appropriate.
- Verify your identity with a passport or ID card and a proof of address (e.g. a utility bill or bank statement), as required by anti-money-laundering rules.
- Choose the account type and base currency. An account in the currency you deposit in saves conversion costs.
- Fund the account. Deposits are accepted only from accounts or cards in your own name; available methods: no Plus500 fees.
- Install the platform (Plus500’s own platform (web, Windows, iOS, Android)) or log in via your browser. Practise on a demo account first, if the broker offers one.
9. What trading with Plus500 really costs
Below are the costs from the summary table above — taken from Plus500’s website and documents when we updated this review:
- Commission: none — cost in the spread, plus overnight funding
- Deposits and withdrawals: no Plus500 fees as a rule; Plus500EE agreement: bank transfer — bank charges up to $6; $10 for a withdrawal below $100 or more than 5 withdrawals a month
How to work it out: on EUR/USD one pip on a 1-lot position (€100,000) is worth about $10, so a 1-pip spread costs about $10 when you open the trade. A commission quoted “per lot per side” is charged twice — on opening and on closing. Add overnight swaps for every night the position stays open and any currency conversion if your account currency differs from the instrument’s. On 0.1 lot all these amounts are ten times smaller.
Inactivity fee: up to $10/month after 3 months without logging in. If you plan a long break from trading, withdraw your funds or close the account so the fee does not eat into your balance.
10. Withdrawing money from Plus500 — how it works
You request a withdrawal in the client area. Under anti-money-laundering rules, funds usually go back via the method used to deposit (e.g. to the card up to the amount deposited by card) and only to an account or card in your own name. The first withdrawal may require full account verification, so upload your documents right after registering. Only free funds that are not used as margin can be withdrawn.
11. Plus500 compared with other brokers
For comparison, here is Plus500 next to other brokers whose reviews we updated in October 2026. Figures come from their summary tables — see the full reviews for details.
| Broker | Company / regulator | Minimum deposit | Inactivity fee |
|---|---|---|---|
| Pepperstone | Pepperstone EU Limited (Cyprus) | €10 (cards, Apple Pay, Google Pay, PayPal) | none |
| Admirals | Admirals Europe Ltd (Limassol, Cyprus) | Trade and Zero: €100 / $100 | €10 per month after 24 months without trading (positive balances only) |
| FOREX.com | StoneX Europe Ltd (Nicosia, Cyprus) | 100 units of the account currency | €15 per month after 12 months without trades or open positions |
| Dukascopy | Dukascopy Europe IBS AS (Riga, Latvia) | $100 | up to €50 per 180 days without trading (after the first 180 days) |
| easyMarkets | Easy Forex Trading Ltd (Cyprus) | $25 | $25 every 6 months after 12 months without trading |
12. Leverage and client protection in the EU (ESMA)
As an EU investment firm, Plus500 applies the restrictions introduced by ESMA and adopted permanently by national regulators to retail clients:
- leverage up to 1:30 on major currency pairs, 1:20 on other pairs, gold and major indices, 1:10 on other commodities and indices, 1:5 on shares and 1:2 on crypto;
- margin close-out at 50% of required margin;
- negative balance protection — retail clients cannot lose more than they deposited;
- a ban on bonuses and trading incentives for retail CFD clients;
- a mandatory risk warning with the share of losing retail accounts — for Plus500: 81% of retail investor accounts lose money when trading CFDs with this provider.
Higher leverage is only available to professional clients who meet the MiFID II criteria — at the cost of some protections, including negative balance protection.
13. Tax on profits from Plus500
Tax treatment depends on your country of residence. Plus500 generally does not file tax returns for you, so keep the annual statement of trades from the client area. For Polish residents: profits from a foreign broker are reported in the PIT-38 return (19% tax), with foreign-currency amounts converted at the National Bank of Poland average rate from the business day before each trade.
14. Glossary: terms to know before opening a Plus500 account
- Spread — the difference between the buy and sell price, paid on every trade.
- Pip — the smallest typical price move of a currency pair (0.0001 for EUR/USD).
- Lot — the standard position size: 1 forex lot is 100,000 units of the base currency; 0.01 lot (micro lot) is 1,000.
- Commission — a fixed fee per trade, usually on raw-spread (ECN/Raw) accounts.
- Swap — the daily cost or credit for holding a position overnight, based on the interest-rate differential.
- Margin — the part of the position value set aside as collateral; at 1:30 leverage about 3.33% of the position.
- Margin call and stop out — a warning and automatic closing of positions when equity falls relative to required margin.
- Slippage — execution at a different price than requested, common around news releases and price gaps.
15. FAQ – Frequently Asked Questions
Is Plus500 safe and regulated?
Does Plus500 charge fees?
Can I buy real shares with Plus500?
Does Plus500 offer MetaTrader?
How many Plus500 clients lose money?
How do I open a Plus500 account?
What leverage does Plus500 offer?
How are profits from Plus500 taxed?
🛡️ How we checked this review
On 25 October 2026 we checked Plus500’s fees and charges page, client money protection page, company information, legal footer and risk warnings (Polish, English and French versions of the website) and the KNF warning list. Fees can change — check the current terms before opening an account. Updated on 3 November 2026: withdrawal charges under the Plus500EE client agreement (version 7, 04/2026) — bank charges of up to $6 on bank transfers and $10 for a withdrawal below $100 or more than 5 withdrawals a month.
Risk warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 81% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. This review is for information only and is not investment advice or a recommendation.
