Savings Interest Rates, Switch Offers and Guides for XTB

Who they are

XTB was launched in Poland in 2002 under the name X-Trade and began its expansion into Europe in 2007. It rebranded to XTB Online Trading in 2009 and went public, listing on the Warsaw Stock Exchange in 2016. Today it is a well-established investment platform rather than a traditional bank - licensed and regulated by the UK Financial Conduct Authority, with over two decades of industry expertise and a position among the biggest stock and CFD brokers registered on a stock exchange. In recent years XTB has broadened its UK offering considerably, moving well beyond trading into everyday saving and investing products.

Savings accounts

XTB offers three products worth knowing about as a saver. The Cash ISA pays a variable 4.00% AER on instant-access balances from as little as £10, with FSCS protection up to £120,000. That higher-than-standard FSCS limit reflects the way XTB holds client cash - worth noting if you are parking a larger sum. The account does not currently accept ISA transfers in, so it suits new money rather than consolidation.

For investors, the Flexible Stocks and Shares ISA lets you build your own portfolio of shares and ETFs. It is a DIY wrapper with no set interest rate - returns depend entirely on what you choose to hold. XTB's flexible stocks and shares ISA launched in 2024. Alongside it, XTB pays 4.00% AER on uninvested cash sitting inside any account (the "Interest on Uninvested Funds" product), with a minimum balance of just £1 and the same £120,000 FSCS cover. Commission-free trading makes XTB competitive on fees, with no custody or platform charges for accounts below €250,000, meaning you can buy, sell, and hold stocks and ETFs for free.

Is it right for you?

XTB suits savers who want a competitive easy-access rate inside an ISA wrapper, and investors who want a low-cost, flexible platform with interest on any cash they have not yet put to work. It is less suited to anyone wanting to consolidate old ISAs, or to those who prefer a straightforward savings-only account without the wider investment platform around it. XTB is still primarily a CFD broker at its core, and new investors may find it worth spending a little time distinguishing between real stocks and CFDs on the platform.

Rates are variable and move over time - check the live figures shown on this page before making any decision.