Overview

XTB is a global fintech company and regulated investment firm headquartered in Warsaw, Poland, with offices across Europe. The company specialises in online trading and investing through its proprietary xStation platform. XTB provides access to more than 5,900 financial instruments including forex, indices, commodities, stocks, ETFs and cryptocurrencies. The firm serves over 880,000 retail clients worldwide and is known for its educational resources, competitive spreads and professional trading tools.

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XTB Offers

XTB welcome bonus

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XTB Fees & Review

  • Stocks & Shares ISA
  • Cash ISA

Stocks & Shares ISA

Fi Score rankingWhere this ISA ranks compared to other ISAs based on Fi Score T8

Fi Fee (£10k balance)(£100k balance)(£500k balance)Our unique calculation for comparable fees across brokers for each account type, based on a 10k100k500k portfolio. Your fees may vary. £0

ISA fee notes Although XTB is mostly commission-free, there is a 0.2% fee if you invest over €100k a month (they insist on that figure being Euros). And, the minimum investment you can make in fractional shares is £10.

Minimum account chargeThe minimum amount you need to pay for this Stocks & Shares ISA, excluding account fee reductions or discounts. £0

FX feeThe currency conversion fee when purchasing investments that aren't listed in GBP (£). 0.50%

In-specie transfersDoes the broker support the transfer of investments? Yes

ETFs

Account fee on ETFsThe account fee you'll pay when investing in ETFs. £0

ETF account fee capThe maximum amount you'll pay in account fees when investing in ETFs. N/A

ETF trading feeThe amount you'll pay to invest in an ETF in this ISA, excluding trading volume discounts. £0

ETF regular investing feeThe amount you'll pay to invest in ETFs when using an ongoing regular investment. N/A

Mutual funds

Account fee on fundsThe account fee you'll pay when investing in mutual funds. N/A

Fund fee capThe maximum amount you'll pay in account fees when investing in mutual funds. N/A

Fund trading feeThe amount you'll pay to invest in a mutual fund in this ISA, excluding trading volume discounts. N/A

Fund regular investing feeThe amount you'll pay to invest in mutual funds when using an ongoing regular investment. N/A

Shares

Share trading feeThe amount you'll pay to invest in company shares, excluding trading volume discounts. £0

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The XTB Stocks & Shares ISA allows investors to choose their own investments in individual shares, ETFs, commodities, and money market funds, offering fractional shares – meaning you don't have to buy whole units, making it more affordable to invest. This ISA doesn't offer mutual funds.

As this is a flexible ISA, you can withdraw and redeposit in the same tax year without affecting your annual ISA limit.

Uninvested cash held within the account can earn 4% (AER) interest, though should not be used as an alternative to a bank because it is an investment product.

In-specie transfers are supported, meaning you can transfer your portfolio from another investment platform – or to another platform – as long as the same assets are available on both.

XTB ranks joint-1st by Fi Fee for small investors (£10,000 portfolios), and holds the same ranking for large portfolios (balances of £500,000) too. To invest, you only need a minimum lump sum deposit of £1. They charge 0.50% as an FX fee for investments in foreign currencies.

Although XTB is mostly commission-free, there is a 0.2% fee if you invest over €100k a month (they insist on that figure being Euros). And, the minimum investment you can make in fractional shares is £10.

Cash ISA

Interest rate (AER)The interest rate offered in their easy access (withdraw anytime) Cash ISA, or closest equivalent, at the time of our last update. 6%

Flexible?Can you withdraw and redeposit without affecting your annual ISA limit? Yes

Maximum withdrawalsThe most withdrawals you can make before it affects your interest rate Unlimited

XTB's cash ISA (easy access) offers a 6% interest rate to new customers — a rate that lasts for 90 days — with ongoing users getting a rate of 4%. It’s a flexible cash ISA, allowing you to withdraw and redeposit in the same tax year without affecting your annual ISA limit.

There are no yearly limits to withdrawals, and you must maintain a minimum balance of £1. Interest is paid monthly.

This is the joint-1st ranked cash ISA on Financial Interest. and They rank joint-2nd by long-term interest rates (with short-term promotional rates excluded). 1st with their promotional rate for new customers

Although XTB currently holds Cash ISA funds at Tier 1 banks under CASS rules, the website says it may explore using QMMFs at some point in future.

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