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xtb stocks and shares isa

Is XTB’s ‘Win-Win’ Stocks and Shares ISA The Best Way to Invest in 2025?

Ruby Layram 14th Jan 2025 No Comments

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On the 11th of December, XTB launched what they believe to be “one of the best stocks and shares ISAs in the UK”. That’s a pretty bold claim to make and it caught the attention of me, and the rest of the MoneyMagpie team, instantly!

Stocks and Shares ISAs are one of the most accessible ways to start putting your money in the stock market. And when a new one hits the shelves, it’s always worth having a look to see if it offers any extra bells and whistles that could help your money work even harder for you.

So, is the new XTB ISA everything that it’s hyped up to be?

The XTB Stocks and Shares ISA: What You Need to Know

You’re probably wondering what makes the new XTB ISA so good. Here’s what you need to know.

XTB’s new stocks and shares ISA is an investing account that offers the ‘best of both worlds’. The tax-free investment and savings account will have zero commission for most customers and offer 4.75% on uninvested cash, one of the best interest rates in the market.

What’s more, the ISA is fully flexible which means that you can deposit and withdraw funds whenever you like – your cash isn’t tied up into an account that you can’t access!

XTB offers both passive and active ISA products to their customers. This means that you have the option to leave your investments to the experts or to be a little more hands-on with how your money is invested.

The lowest fees on the market

One of the biggest drawbacks of investing in an ISA is the large fees that are typically charged for each transaction. The new XTB ISA aims to resolve this by offering 0% to most customers – only trading volumes of over 100,000 EUR per month will be required to pay a small 0.2% fee.

These low fees make it easy to dip in and out of your ISA, without worrying about eating into the value of your cash. This will make the account accessible for people who want the flexibility of being able to access their money as and when they want to.

Earn interest on uninvested cash

What stood out to me the most when reviewing the new ISA is that investors will receive 4.75% interest on uninvested cash.

This means that any cash that isn’t invested into the stock market will still be put to work for you – which is more than you can say for most high-street savings accounts!

Interest will be calculated daily and paid out monthly into your XTB account. So, you will benefit from capital gains and interest simultaneously (that’s why it’s been called the ‘best of both worlds’ account).

Is the XTB ISA the ‘Best’ Stocks and Shares ISA?

So, is the new XTB stocks and shares ISA the best option for 2025?

In my opinion, the new ISA certainly stands out as one of the top options for beginner investors who are looking for something flexible. The option to dip in and out of your investment account without needing to worry about fees is an excellent advantage for people who don’t want to lock away their cash completely

Furthermore, the monthly interest payments mean that all of the money in your account has a chance to grow over time. This is great for those of you who are looking to save for a big spend and need every extra penny that you can get.

It’s also worth noting that the XTB platform is pretty beginner-friendly. When you sign up for an ISA, you gain full access to the platform’s library of educational resources, trading tools and insights. It never hurts to improve your knowledge and become a smarter investor!

Are there any downsides?

It goes without saying that investing in the stock market comes with risk. There is no guarantee that the value of your money will go up and you should only invest money that you can afford to lose.

As a general rule of thumb, I recommend having at least 3-6 months of living expenses saved into a regular cash savings account before you explore the stock market.

Besides the usual risk that comes with investing, the main drawback I found is that you cannot currently transfer money from an existing ISA that you may have with another platform.

This might be frustrating for our readers who were hoping to transfer money from an existing account into the new XTB ISA. However, according to the website, this feature will be available soon!

How to Open an XTB Stocks and Shares ISA

If the new XTB ISA sounds like a good option for your investing goals, here’s how to open one.

Before you start

Before you open any type of investing account, it’s good to do a bit of prep work (don’t worry, it’s nothing too boring!).

  • Identity documents: It is normal for brokerages to ask you to verify your identity when signing up for a new account. This process typically involves taking a picture of two forms of ID such as a passport, a driver’s license or a bank statement that can prove your address. Make sure you have these on hand.
  • Know your goals: It is important that you understand your investing goals before you make any financial commitments. ISAs are most suitable for long-term investors who are saving for something big. This is because it can take time for capital gains to accumulate.
  • Can you afford to lose your cash? The most important question to ask yourself before you open a stocks and shares ISA is whether you can afford to lose the money that you invest. Remember, there is no guarantee that you will make money from investing in the stock market.

Step 1: Sign up to XTB

The first step involves signing up to the XTB platform. The easiest way to create an account is to use your email – make sure to use an email that you have easy access to.

After this, you will need to create a password and fill out some personal details such as your name and address.

Step 2: Verify your account

You will be asked to verify your account by providing two forms of ID.

Make sure that the documents are up-to-date, clear and valid. This will speed up the process of the verification.

Step 3: Download the XTB app

The easiest way to manage your XTB account is through the mobile app. You can download the app on Android or IOS.

If you don’t want to download the app, don’t worry! The steps for opening a stocks and shares ISA on the desktop platform are very similar.

Step 4: Fund your XTB account

I recommend adding funds to your XTB account before you open your ISA. This will prevent you from too much back and forth between your regular XTB account and your ISA once you start the process.

You can fund your account via debit card or bank transfer and deposits are free of charge.

Step 5: Navigate to the Stocks and Shares ISA

You will find the XTB ISA in the portfolio section of the mobile app.

Navigate to ‘portfolio’ and then select ‘stocks and shares ISA’. You will then see an option to open a stocks and shares ISA. Click this button and follow the steps that appear on your screen.

Step 6: Choose your investments

Once you have chosen to open an ISA, you will need to move money from your regular XTB account into your ISA account. Enter the amount that you would like to put into your ISA and confirm the transaction.

From here, you will be able to browse the available stocks and ETFs and choose which ones to invest in.

If you choose to open a passive ISA, your money will be invested on your behalf.

You can manage your portfolio within the XTB app and add funds to your account whenever you like.

I recommend reading our helpful guide on how to develop an investing strategy before you start. This will help you to understand which stocks and ETFs to invest in.

If you are looking for a flexible ISA option in 2025, XTB is a great choice! Before you make a final decision, take time to read more about the investment account on the official XTB website.

Are you interested in learning more about investing? Why not sign up to the MoneyMagpie bi-weekly Investing Newsletter? It’s free and you can unsubscribe at any time if you find it isn’t for you.

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Disclaimer: MoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence. When investing your capital is at risk.



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Jasmine Birtles

Your money-making expert. Financial journalist, TV and radio personality.

Jasmine Birtles

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