XTB Introduces Zero-Fee ISA And 4.75% Cash Yield For UK Investors

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Written By
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Written By
James Barra
James is an investment writer with a background in financial services. As a former management consultant, he has worked on major operational transformation programmes at prominent European banks. James authors, edits and fact-checks content for a series of investing websites.
Updated

XTB has added a stocks and shares Individual Savings Account (ISA) for UK traders with 3,000 stocks and 700 ETFs, alongside 4.75% interest on unused cash.

As reported by Finance Magnates, while CFDs remain the broker’s key revenue driver, the latest products, alongside multi-currency cards and automated ETF portfolios, signal the company’s commitment to expanding its product range.

Key Takeaways

  • XTB’s ISA offers commission-free trading for most users, with charges applying only to monthly trading volumes above €100,000.
  • Uninvested cash earns daily interest up to 4.75%, credited monthly, outperforming several other brokers that pay interest.
  • Customers retain full control to move in and out of the market without penalty, ensuring their cash is always working.
  • The ISA is part of XTB’s broader push to democratize trading and expand its suite of passive and active financial products.

XTB joins other brokers that have introduced ISAs for tax-efficient investments, including CMC Markets. However, it stands out by offering a higher rate of interest, with CMC paying out just 2%.

XTB’s UK Managing Director, Joshua Raymond, commented on the news: “We believe that offering customers a zero-cost route into the market, coupled with one of the best rates of interest, is a best-of-both-worlds solution. It gives customers the confidence to go in and out of the market as they choose.”

Chart showing potential returns from XTB's ISA vs non-ISA account
XTB: ISA vs Non-ISA

About XTB

XTB is a leading online broker offering over 6,400 trading instruments, including CFDs on shares, indices, ETFs, raw materials, forex, crypto, real shares, real ETFs, and more recently, investment plans.

XTB’s xStation platform sports an intuitive interface, customizable news feeds, sentiment heatmaps, and trader calculators, simplifying the trading experience.

Regulated by top-tier authorities like the FCA, CySEC, and KNF, XTB provides a transparent and reliable trading environment for users globally.

New traders can get started with no minimum deposit.

Founded in 2002 in Poland, XTB now serves more than 1 million clients. The forex and CFD broker combines a heavily regulated trading environment with an extensive selection of 6400+ assets and a commitment to trader satisfaction, featuring an intuitive in-house platform with superb tools to support aspiring day traders.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74-83% 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