Get 6% AER on your ISA and start investing with a FREE STOCK!
XTB offers 6% AER (variable) to new clients who open either a Cash ISA or a Stocks & Shares ISA between 1 March and 30 April 2026. The 6% AER includes a 2% boost for 90 days from the ISA open date. After the boost ends, the rate reverts to our standard variable rate of 4% AER.
Existing clients receive our standard variable rate of 4% AER.
XTB is also offering all new clients a free share to help you get started.
Capital at risk. Investment values can rise or fall. Limited free stock availability. 2% ISA rate boost for 90 days. Tax treatment depends on your individual circumstances and ISA regulations which may change. New clients only. T&Cs apply.
A Flexible Cash ISA lets you withdraw money and replace it within the same tax year without affecting your annual ISA allowance, giving you greater control over your savings. You’ll still earn tax-free interest, and the added flexibility makes it easier to manage your cash flow while keeping your money working for you.
Learn more here.
Enjoy tax benefits and invest with 0% commission. Take care of your future. 0% commission for monthly turnover up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP). 0.5% currency conversion cost may apply. Tax treatment depends on your individual circumstances and ISA regulations which may change.
Learn more here.
To make your investing journey even easier, XTB is offering all new clients a free share to help you get started - giving you the opportunity to take that first step with confidence. Please check the T&Cs here.
Capital at risk. Investment values can rise or fall. Limited free stock availability. New clients only. T&Cs apply.
Earn money while you wait for the right investment opportunity. Receive interest in GBP, USD and EUR. Calculated daily, paid monthly.
XTB offers 6% AER (variable) to new clients who open either a Cash ISA or a Stocks & Shares ISA between 1 March and 30 April 2026. The 6% AER includes a 2% boost for 90 days from the ISA open date. After the boost ends, the rate reverts to our standard variable rate of 4% AER.
Existing clients receive our standard variable rate of 4% AER.
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Yes. All interest earned is free from Income Tax and Capital Gains Tax.
To apply for an ISA account you must be a resident of the UK for tax purposes. This includes British citizens, residents of the Isle of Man, and the Channel Islands. You must be at least 16 years old to open a Cash ISA. For Stocks & Shares ISAs and Innovative Finance ISAs, you need to be at least 18 years old. To open a Lifetime ISA, you must be between 18 and 39 years old. You should have a National Insurance number, which helps to verify your identity and residency status.
The main types of ISAs include:
Please note that we currently offer a Flexible Cash ISA and a Flexible Stocks and Shares ISA only.
For the tax year 2025/26, the annual contribution limit is £20,000. This total can be spread across different types of ISAs. More information here.
Yes you can have multiple ISAs. There's no limit to the number of ISAs you can have, but you can't exceed your annual ISA allowance of £20,000.
If you exceed the ISA limit, the excess contributions may incur tax, and you may need to remove the excess amount from your ISA account.
No. Any unused allowance is lost at the end of the tax year.
In order to open either a Flexible Cash ISA or a Flexible Stocks & Shares ISA account, you need to create a Real account with XTB in GBP. Please note, to open an ISA account you need to be a UK resident and provide your National Insurance number.
How to create an account with XTB
At XTB we request clients to fill out an online application form either through the website or the mobile app. Within this application process, you will need to undertake a relevant assessment, consisting of 4 multiple choice questions. This step is essential to ensure your compatibility with the product.
Upon successful completion of the application, you will be prompted to submit Know Your Customer (KYC) documents, such as identification and proof of address, in order for us to authenticate your identity. Once the KYC process is finalised, your trading account will be established.
With the trading account active, you will gain unrestricted access to both the trading platform and the client office. This provides you with the opportunity to acquaint yourself with the software and, if desired, make an initial deposit to commence your trading activities.
If you already have an account in GBP with XTB, please click the "Save" button and select “Flexible Cash ISA.” Enter your National Insurance number in the correct format. If you need assistance obtaining your NI number, please contact HMRC. Once you’ve filled out all the required information, you’re all set! Top up your account and your ISA. Remember, it’s your responsibility to ensure you don’t exceed the annual limit across all ISA accounts.
Flexible/Easy-access lets you withdraw anytime. Fixed ISAs lock your money away for a set period in return for a higher rate.
Only with Flexible Cash ISAs otherwise withdrawals count toward your allowance.
Interest is calculated daily and paid out monthly.
Unfortunately, we don’t currently support Cash ISA transfers to XTB, but this service is coming soon. We do however currently permit transfers into our Stocks & Shares ISA.
