XTB

Who they are

XTB - originally X-Trade Brokers - was founded in 2002 in Poland and has grown into one of the leading broker platforms in Europe, offering both commission-free investing and CFD trading. Its UK office launched in 2015. The company is publicly listed on the Warsaw Stock Exchange, and it is one of the largest exchange-listed brokers in the world. That listed status matters: it means XTB publishes audited accounts and is accountable to shareholders in a way that most fintech startups are not.

XTB is taking a step away from its roots as a derivatives broker, moving into direct competition with savings-focused fintech platforms like Trading 212, Plum and eToro. For UK savers, that recent pivot is what's most relevant. XTB now offers both cash and stocks and shares ISAs alongside investment plans and thousands of commission-free ETFs.

Savings accounts

XTB currently offers two ISA products on DepositScout.

The XTB Cash ISA pays 4.00% AER variable, requires just £10 to open, and allows instant access. It is a flexible ISA, meaning you can withdraw and replace money within the same tax year without eating into your £20,000 annual allowance. There are no account fees and no charges for withdrawals.

One thing to understand about the rate: XTB ran a promotional introductory boost earlier in 2026, but that offer has now closed. The 4% AER is XTB's standard variable rate with no bonus period, no withdrawal limits, and no minimum balance required to maintain it. That's genuinely useful - several competitors advertise eye-catching headline rates that include a short-term bonus, then revert sharply.

The Cash ISA does not currently accept inbound ISA transfers from other providers, so it is new money only. Bear that in mind if you are looking to consolidate older ISAs.

XTB also offers a Flexible Stocks and Shares ISA. This is a DIY investment account - your money is put to work in the market rather than earning a set rate of interest - with no minimum deposit and commission-free trading on stocks and ETFs up to certain thresholds. Capital is at risk with this account, and returns are not guaranteed.

A word on protection

The FSCS picture here is a little different from a traditional bank. Cash ISA deposits are held across XTB's partner banks, with protection of up to £120,000. However, because your money is spread across multiple institutions, you need to check which banks XTB uses. Your money is FSCS protected up to £120,000, but XTB holds it across several partner banks - and the protection applies to all the cash you hold with a bank, not per account. If you already have significant savings at one of those partner banks under another name, you could inadvertently exceed the limit.

For the Stocks and Shares ISA, FSCS investor protection applies up to £85,000, and capital is at risk - the value of investments can fall as well as rise.

Is it right for you?

XTB suits savers who want the convenience of keeping cash savings and investments in one place. The Cash ISA rate is competitive, comes without gimmicks or expiry cliffs, and the flexible structure means you are not penalised for dipping in. The low £10 minimum makes it accessible too.

Where it is less straightforward: the platform's roots are in trading and CFDs, and the interface reflects that. If you want a pure, simple savings experience, you might find the app busier than you need. There are also no fixed-rate ISA options, so if you want to lock in a rate for a year or more, you would need to look elsewhere.

No switch offer is currently available through DepositScout for XTB.

As always, the live rate shown on this page is the figure that counts. Variable rates can change at any time, so check back before you commit.