How to see your full XTB portfolio: dividends, withholding and fees
By Asterholm TeamUpdated: 8 min read
XTB shows each open position clearly, but not your total return once dividends, withholding tax and fees are added up over the years. This guide covers what XTB charges, where your dividends live in xStation, how to export the account statement to Excel and what Asterholm does with every line of that file.
Why it's hard to see your whole XTB portfolio
xStation shows the value of your open positions and the profit or loss on each one. What it doesn't give you at a glance is the full picture: how much you've collected in dividends since you opened the account, how much was withheld at source, how much you've paid in commissions and charges, and your real return given when you deposited each euro, pound or dollar.
It gets harder if you hold more than one XTB account (say, one in USD and one in EUR), because each keeps its own history, or if you also invest through another broker. The only way to add it all up is to bring every account's transactions into one place.
What XTB charges on stocks and ETFs (as of October 2026)
XTB's general model for real stocks and ETFs (not CFDs) is 0% commission up to a monthly turnover equivalent to EUR 100,000. Above that, the published rate is 0.2% per trade with a minimum charge. The exact terms depend on the XTB entity that holds your account (UK, EU, LatAm and others), so check your country's fee table before relying on these figures.
- Currency conversion: if you buy an asset in a currency other than your account currency (for example a US stock from a GBP or EUR account), XTB adds a markup to the exchange rate, published at 0.5% as of October 2026. You pay it when you buy and again when you sell.
- SEC fee: selling US shares triggers a small regulatory charge. It is not an XTB commission, but it is still a cost.
- Swaps / rollover: financing costs on CFDs and leveraged positions. If you only hold cash stocks and ETFs, you should not see them.
- Inactivity: XTB has an inactivity fee that applies under certain conditions after a period without trading. The sources we checked disagree on the details and we couldn't confirm them, so check the official fee table.
You buy US shares worth the equivalent of EUR 2,000.
Conversion markup at 0.5%: about EUR 10 on the way in.
You sell when they are worth EUR 2,200: another EUR 11 on the way out.
Round-trip cost: about EUR 21, even though the trade commission was zero.
On a USD account there is no conversion when trading US shares, though there may be one when you deposit or withdraw from another currency, depending on how you send the money. That's why some investors keep both a EUR and a USD account at XTB.
Where to find dividends and withholding tax in xStation
XTB books each dividend as a cash operation. In xStation (web or desktop), open History and go to the cash operations tab: you will see one line per dividend and, right next to it, a Withholding Tax line with the tax withheld at source, as a negative amount. In the mobile app the same list sits in the history section of your profile. Menu names can change as the platform is updated.
| Date | Type | Instrument | Amount |
|---|---|---|---|
| 2026-03-12 | Dividend | Company A (US) | US$40 |
| 2026-03-12 | Withholding Tax | Company A (US) | -US$6 |
| 2026-06-15 | Dividend | Company B (US) | US$60 |
| 2026-06-15 | Withholding Tax | Company B (US) | -US$9 |
Gross dividends: 40 + 60 = US$100.
Withheld at source: 6 + 9 = US$15 (15%).
Credited to your account: US$85.
For a resident of a country without a US tax treaty, the default 30% would apply: US$30 withheld, US$70 received.
The rate depends on the company's country, your tax residence and whether the treaty rate is applied (for US shares, through the W-8BEN form). To see which rate applies to you, try the dividend withholding calculator. Rules differ by country: for your tax return, check with XTB or a tax adviser.
How to export your XTB account statement to Excel
- Open xStation (web or desktop) and go to History → Account statement.
- Pick the full period since you opened the account. If you don't remember the date, a very early start date works fine.
- Export to Excel (.xlsx). PDF and HTML exports will not work.
- If you have several accounts (for example USD and EUR), repeat for each: one file per account.
The file contains several sheets. Three matter: Cash Operation History (deposits, withdrawals, dividends, withholding, interest, fees), Open Position and Closed Position History. Asterholm reads the current layout as well as older statements.
What Asterholm reads from the XTB statement
When you upload the file on the XTB page, each line becomes a transaction in your history. Buys and sells come from the position sheets (one buy per opened position and one sell per close, with the lot commission included); everything else comes from the cash operations.
| In the XTB statement | In Asterholm | Where you see it |
|---|---|---|
| Buys and sells per position | Buy and sell, with commission | Holdings and performance |
| Deposits and withdrawals | Contributions and withdrawals | Performance (XIRR) |
| Dividends | Gross dividend | Dividends |
| Withholding Tax | Separate withholding record | Dividends (net) and Costs |
| Interest on free funds | Interest | Performance |
| SEC fee | Regulatory cost | Costs |
| Commissions and stock sale fee | Commission | Costs |
| Swaps and rollover | Financing cost | Costs |
| Transfers between subaccounts | Matched transfer out and in | Not counted as contributions |
| Dividend or withholding corrections | Adjustment, sign preserved | Dividends |
Two details prevent common errors. First, the technical closes XTB creates around a stock split (flagged as corrections) are not treated as sales, so you won't see a phantom sale. Second, when an asset's currency can be inferred from its suffix (.DE or .NL in EUR, .UK in GBP, .CH in CHF), the holding keeps its original currency.
Each transaction is then converted into your base currency (USD, EUR, GBP and others) at that day's rate, and the average cost of each holding includes fees. The Dividends page lets you switch between gross and net, see income by month, quarter or year and upcoming payments with estimated withholding based on your tax residence. The Costs page (Pro plan) groups commissions, regulatory charges, financing and withholding and projects how much they drag on your portfolio over 10 and 20 years.
What gets skipped and the limits of the file
- CFDs: skipped. Asterholm tracks investments (stocks, ETFs, crypto, funds), not CFDs. If you hold any, the import summary tells you.
- Short positions: also skipped.
- Units that don't reconcile: if the units in the position sheets don't match the cash operations, you get a warning to review that holding.
- Unknown line types: if XTB introduces a new type, the import flags it instead of guessing what it means.
- No automatic sync: with no XTB API, your data updates when you upload a new statement.
To update, download the statement again for the full period and upload it to the same connection. Each transaction carries a fingerprint, so anything already imported is not duplicated: only new lines are added.
XTB is also the only broker with a Re-read option: when we improve the XTB reader, you can reprocess what you already imported with the current version without uploading the files again. Transactions you entered by hand are kept.
From transactions to your real return
With deposits, withdrawals, dividends and costs in one history, Asterholm calculates two returns: XIRR (money-weighted, which accounts for when each contribution went in and needs at least 90 days of history) and annualized TWR (which measures the strategy without the effect of your deposits). Why these won't match the figure in xStation is explained in why your broker shows a different return.
Because XTB works by file, it fits the Free plan: one broker, file import and manual entry, with 12 months of history. To add another broker with API sync, such as Interactive Brokers, or to see your full history, see the plans.
Frequently asked questions
Does XTB have an API to connect my portfolio?
No. XTB shut down its public API (xAPI) on 14 March 2025. As of October 2026, the way to get your data into another tool is to export the account statement to Excel from xStation.
Where can I see withholding tax on my XTB dividends?
In xStation, under History, in the cash operations: each dividend comes with a Withholding Tax line showing the tax withheld. In the Excel statement they are in the Cash Operation History sheet.
I have a USD and a EUR account at XTB. How do I upload them?
Export one statement per account and upload them separately without renaming the files: the file name prefix tells Asterholm the currency of each account. If it is missing, USD is assumed.
Why don't my XTB CFDs show up?
Asterholm tracks investments, not CFDs, so it skips them on import, along with short positions. The import summary tells you how many lines were skipped.
Do I need a paid plan to track XTB?
No. XTB is imported by file, which is included in the Free plan (one broker and 12 months of history). Paid plans add more brokers, API sync and full history.
Sources (checked on the update date)
Educational content, not investment or tax advice. Rules, fees and rates change: check with your broker or an advisor. Risk notice.
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