Individual Savings Account

Earn 6% AER On Your Flexible Cash ISA

Earn tax-free interest with flexible withdrawals and no fees. The ISA deadline is 5th April 2026 — use your £20,000 allowance before it’s gone.

Get tax-free growth with daily interest, flexible withdrawals and no fees.

Open ISA account

XTB offers 6% AER (variable) to new XTB clients opened 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. Your Cash ISA must be opened before 30th April to qualify. Existing clients receive our standard variable rate of 4% AER for current or new ISAs.

Flexible Cash ISA

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.

No Account Fees

Make the most of free deposits and withdrawals, with zero fees to open or maintain your Cash ISA, regardless of your balance or activity.

Money Protection

Get a Boosted Rate

Earn up to 6% Interest on your Cash ISA

We’re offering new clients the chance to earn up to 6% interest when you open a Cash ISA. It’s a limited-time offer designed to help you get more from your savings.

Comparison

See how our Cash ISA rates compare

Open ISA


Type	Flexible	Flexible	Fixed	Flexible	Fixed
Interest rate (variable)	6%*	4.4%**	4.32%***	4.47%* AER**** variable	4.47%* AER**** variable
Withdrawal Limit	None	None	None	None	None
Minimum deposit	£0	£1	£1	£500	£500
Account fees	£0	£0	£0	£0	£0

*XTB offers 6% AER to new clients that open an account between1 March and 30 April 2026 for 90 days from ISA open date. 4% variable rate +2% boosted AER for new clients.

** Trading 212 - for new customers only , 4.4% - 3.6% variable + 1yr 0.8% bonus - Lower 3.6% on transfers of previous years’ deposits.

***Plum’s promotional rate is for new clients for the first 12 months. No bonus on transfers in. 2.54% variable + 1yr 1.76% bonus

**** Etoro has partnered with Moneyfarm. Boosted rate calculated daily and paid after 12 months. To maintain the bonus interest rate, keep a minimum balance of £500 and limit withdrawals to three per year. Standard introductory rate (first 12 months): 3.67%* AER variable.

***** Moneybox pays 4.32% (including a 0.87% variable 12mth bonus), but drops to 0.75% if you make more than three withdrawals a year.

Cash ISA at XTB

How a Flexible Cash ISA Works

An Individual Savings Account (ISA) is a tax-efficient savings account without paying tax.The entire process is easy and straightforward so you can start saving for your future today.

The annual allowance limit for an ISA in the 2025/2026 tax year is £20,000, and you get to decide when and how much you want to deposit.

Earn up to 6% interest on your funds. Interest is calculated daily and paid out monthly. Boosted rate applies to new clients only. Please see details here.

You can withdraw your funds at any time, either partially or in full, completely exempt from capital gains tax. You can even re-deposit them within the same year without affecting your annual allowance.

Utilise the full £20,000 annual tax-free allowance across both your Cash ISA and Stocks ISA with our fully automated systems, enabling you to save and invest simultanesously without exceeding the allowance limit.

Trust

Money Protection

Your funds are safe kept in a segregated account and are protected by the Financial Services Compensation Scheme up to £120,000 per person in the unlikely event of our insolvency. Learn more here.

Create account

£120,000

FSCS Money protection

20+

Years on the market

2 mln+

Investors

2FA

Secure two-factor authentication login

11300+

Instruments

5mln +

App downloads

FAQ

Have more questions?

Find answers to our most commonly asked questions. Still have a question? Please contact our customer support team.

A flexible Cash ISA allows you to withdraw money and replace it within the same tax year without affecting your annual allowance.

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. Please note to open an account with XTB you must be at least 18 years old.

The main types of ISAs include:
Cash ISAs: Savings accounts with tax-free interest.
Flexible/Easy Access Cash ISAs: Savings accounts with tax-free interest. A flexible CASH ISA allows you to withdraw money and replace it within the same tax year without affecting your annual allowance.
Stocks & Shares ISAs: Investment accounts for stocks, bonds, and other assets with tax-free capital gains and dividends.
Flexible Cash and Stocks & Shares ISAs: A flexible ISA allows you to withdraw money and replace it within the same tax year without affecting your annual allowance.
Lifetime ISAs: Designed for first-time home buyers and retirement, offering a government bonus on contributions.
Innovative Finance ISAs: Involve peer-to-peer lending and other alternative finance investments.
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.

In that event please get in touch with the HMRC.

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 (GIA) 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 without penalties and still retain your full ISA allowance for that given tax year.

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.

We currently place client money within our Cash ISA into segregared Tier 1 banks under CASS rules, giving them full FSCS protection up to £120,000.

Please note that we do not charge an inactivity fee for ISAs.

Currerntly we hold Cash ISA funds at Tier 1 banks under CASS rules. Looking ahead, we may place client funds into one or more Qualifying Money Market Funds (QMMFs). Where this applies, your money will continue to be held in line with applicable regulations. Please see the ISA terms and conditions for more information.

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Earn 6% AER On Your Flexible Cash ISA

Earn 6% AER On Your Flexible Cash ISA

See how our Cash ISA rates compare

How a Flexible Cash ISA Works

Open a free Cash ISA account

Manage your money as you see fit

Earn Interest

Withdraw Funds Tax-Free

Seamless access across Cash and Stocks ISAs

Money Protection

Have more questions?