XTB Cash ISA Review4.00% AER (Sep 2026)

Cash ISA from XTB

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Protection

FSCS

Up to £120,000

Min balance

£10

Max balance

£20,000

Access

Instant

Interest paid

Monthly

Transfers in

Not accepted

Who Is This For

Learn more about XTB

New and existing savers
Those wanting easy access
Savers happy with a £20,000 cap

Additional Info

XTB is primarily a CFD trading platform. The Cash ISA is a separate product but you will need the XTB app to manage it. Adding funds requires a manual bank transfer into XTB's general account before moving to the ISA.

Please verify all details with the provider – for more info read our Disclaimer

Estimated returns with XTB's Cash ISA

Want to know how much interest you will receive with XTB's Cash ISA?

Estimated interest

£1,000 saved

£40.00

At 4% AER

£5,000 saved

£200

At 4% AER

£10,000 saved

£400

At 4% AER

£20,000 saved

£800

At 4% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on XTB Cash ISA

XTB's Cash ISA pays 4.00% with instant access and a low £10 minimum, which makes it a reasonable fit for anyone who wants flexibility and tax-free interest without locking money away. Interest is calculated daily and paid monthly, which is a nice touch. The catch I would flag is that transfers in are not accepted, so if you have an existing ISA elsewhere you want to consolidate here, you are out of luck. If transfers matter to you, or if you simply want a higher rate, Tesco Bank's Instant Access Cash ISA is currently sitting at 4.20%.
Jan Watermann (Co-Founder)DepositScout