XTB savings rates — compare every account, plus switch offers and guides

Who they are

XTB was launched in Poland in 2002 under the name X-Trade and began its European expansion in 2007. It renamed itself XTB in 2004, is listed on the Warsaw Stock Exchange, and employs around 1,000 people. Originally a forex and CFD specialist, XTB began offering share trading in the UK in July 2023, having previously only offered forex and CFDs. Today it sits somewhere between a traditional investment platform and a savings provider - it offers commission-free stock and ETF trading alongside a Cash ISA and a competitive rate on uninvested cash. XTB is authorised and regulated by the UK's Financial Conduct Authority. Client funds are held in segregated accounts, in line with regulatory obligations.

Savings accounts

XTB offers three products that will interest savers on DepositScout.

The Cash ISA pays 4.00% AER variable, with instant access and a minimum opening balance of just £10. It is protected up to £120,000 by the FSCS - a higher limit than the standard £85,000 you get on investment accounts. One thing worth knowing: the Cash ISA does not currently accept transfers in from existing ISAs, so it suits new money only.

The Interest on Uninvested Funds account also pays 4.00% AER variable (minimum £1), with instant access and the same £120,000 FSCS cover. Interest is calculated daily and paid monthly, providing a return on idle funds similar to leading savings accounts. This is particularly relevant given the incoming 2027 ISA rule changes, where cash held inside a Stocks and Shares ISA may attract a 22% charge - making XTB's Cash ISA the cleaner route for pure cash saving.

XTB also offers a Flexible Stocks and Shares ISA. Investments are protected up to £85,000 by the FSCS, with uninvested cash inside it covered up to £120,000. Commission-free share and ETF trading applies for those trading less than €100,000 a month.

Is it right for you?

XTB suits savers who want a competitive easy-access rate or Cash ISA alongside the option to invest - all in one place. The 4.00% variable rate is solid, though as with any variable rate it can change, so it is worth keeping an eye on it. If you are purely a cash saver with no interest in investing, a dedicated savings bank might feel more familiar. But if you want flexibility to move between cash and the stock market without juggling multiple apps, XTB is worth a serious look.

As always, check the live rates shown on this page before you open anything - the figures here are updated regularly and reflect what XTB is actually paying right now.