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Your capital is at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change.

Your capital is at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change.

Stocks & Shares ISA
Cash ISA
New
Individual Savings Account

Flexible Stocks
& Shares ISA   

Flexible Stocks
& Shares ISA

Invest in 8700+ Stocks & ETFs. Earn *6% on your returns without paying tax on them. Withdraw flexibly without impacting your annual allowance. See the latest FAQs here.

Invest in 8700+ Stocks & ETFs. Earn 6% on your returns without paying tax on them. Withdraw flexibly without impacting your annual allowance. See the latest FAQs here.

Open ISA account
Open ISA account

Capital at risk. Investment values can rise or fall.Tax treatment depends on your individual circumstances and ISA regulations which may change.*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 ISA must be opened before 30th April to qualify. Existing clients receive our standard variable rate of 4% AER for current or new ISAs.T&Cs apply.

Capital at risk. Investment values can rise or fall.Tax treatment depends on your individual circumstances and ISA regulations which may change.*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 ISA must be opened before 30th April to qualify. Existing clients receive our standard variable rate of 4% AER for current or new ISAs.T&Cs apply.

Free Account Opening

Free account opening and maintenance for all active clients, regardless of your trading volume or account balance.

0% Commission for Stocks and ETFs

Up to a monthly trading volume equivalent to 100,000 EUR (thereafter 0.2% with a minimum of 10 GBP). A 0.5% currency conversion fee may apply.

Interest on Free Funds

Earn *6% interest on your free funds. Interest is calculated daily and paid out monthly.

Capital at risk. Investment values can rise or fall.Tax treatment depends on your individual circumstances and ISA regulations which may change. *New clients only. Existing clients receive our standard variable rate of 4% AER for current or new ISAs.T&Cs apply.

Earn 6% Interest on your GBP ISA free funds

Capital at risk. Investment values can rise or fall.Tax treatment depends on your individual circumstances and ISA regulations which may change. *New clients only. Existing clients receive our standard variable rate of 4% AER for current or new ISAs.T&Cs apply.

ISA in XTB

How does an ISA account work?

An Individual Savings Account (ISA) is a tax-efficient savings and investment account that allows you to earn interest or returns without paying tax on them.The entire process is easy and straightforward so you can start investing in your future today.

Choose from 8500+ Stocks & ETFs, and enjoy zero trading fees. 0% commission on monthly turnover equivalent 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.

The annual allowance limit for an ISA in the 2024/2025 tax year is £20,000, and you get to decide when and how much you want to deposit.

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

No Tax on Capital Gains

Why is it Worth Investing in an ISA?

Open ISA

XTB does not guarantee the achievement of the intended investment objective. Trading stocks and ETFs of foreign companies involves a 0.5% currency conversion fee. The graphics are illustrative and depict the return of the S&P500 index during the period 10.2019 - 10.2024. Past performance is not necessarily indicative of future results, and any person acting on this information does so entirely at their own risk.

Convenient ISA transfers to XTB

You can easily now transfer your ISA to XTB.  

The process is simple:

1. Open your ISA account in the XTB app.
2. Click Manage, then select Transfer to XTB.
3. Provide details of your current provider and the assets you wish to transfer.

We support transfers from both Stocks and Shares ISAs and Cash ISAs. Transfers may take up to 30 days.

Maintain flexibility

With XTB, you have constant and easy access to your money, allowing you to withdraw your savings at any time. You also have the flexibility to reinvest within the same year without affecting your annual allowance.

Invest even small amounts
with Fractional Shares

Invest in your favourite stocks with fractional shares from just £10 and turn even small amounts into assets that will work for you. With fractional shares, XTB purchases the whole share and awards you a fiduciary right to the fraction you have purchased.

Comparison

See how our costs compare

All data correct as of 2 March 2026.  All rates are based on AER and relate to Stocks and Shares ISA only.

Open ISA
XTB logo
IG logo
HARGREAVES LANSDOWN logo
interactive investor logo
Freetrade logo
Type
Flexible
Flexible
Standard
Standard
Flexible
Commission

per deal
0%*
0%**
£11.95***
£3.99

per deal plus

£4.99

per month****
£4.99

per month
Earned interest on free GBP funds
6%*
3.75%
1.51%***
1.11%****
2.5%

capped at £2,000
Custody/Account fees
£0

for portfolios below €250k
£24

every 3 months**
0.45%

Capped at £45 annually in an ISA
No
Included in monthly fee
FX Conversion Fees
0.5%
0.7%
1%
1.5%****
0.59%*****
Offers multicurrency share accounts (GPB, USD, EUR)

*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.0% commission up to €100k/month. Other fees may apply.
**IG charges no custody fees if you place at least 3 trades per quarter
***Haregreaves Lansdown charges £11.95 dealing charge for up to 9 deals per month. For 10-19 deals, they charge £8.95. For 20 or more deals per month, they charge £5.95 per investment. Interest rate applies on free funds up to £9,999.
****Interactive Investor charges a subscription fee from £4.99 for investing up to £50,000, thereafter its £11.99 per month, on top of the standard dealing costs. Interest rate is paid on the first £20,000. Higher rates apply for higher funds up to 2.12%. FX fee is charged for investments worth up to £24,999. Lower FX fees apply for greater amounts capped at 0.25% for £600k-£1m.
*****Freetrade fees relate to their Standard account offering. ISAs are not available for Basic accounts.

Trust

🏆 Best for low cost ISA 2025

Ranked brokerage of the year by Boring Money

Open ISA
2 mln+

Investors

20+

Years on the market

5 mln+

App downloads

2FA

Secure two-factor authentication login

Intuitive interface

Conveniently manage your portfolio with our easy-to-use investment app available on both desktop and mobile devices.

Comprehensive solution

Make informed investment decisions with the latest news push notifications, educational courses and market research tools.

All markets in one place

Choose from over 6700 stocks from around the world, as well as hundreds of ETFs.

Extensive Education

Expand your financial market knowledge by exploring our comprehensive educational articles, eBooks and informative Youtube videos.

Award winning ISA

This recognition reflects our commitment to providing cost-effective investment solutions while continuously improving our services.

Knowledge Base

Learn more about ISA

See other articles 

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FAQ

Have more questions?

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

Contact us 

An Individual Savings Account (ISA) is a tax-efficient savings and investment account that allows you to earn interest or returns without paying tax on them.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

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.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

The main types of ISAs include:

  • Cash ISAs: Savings accounts with tax-free interest.
  • Stocks & Shares ISAs: Investment accounts for stocks, bonds, and other assets with tax-free capital gains and dividends.
  • 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.
  • 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.

Please note that we currently offer a Flexible Stocks and Shares ISA only.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

For the tax year 2024/25, the annual contribution limit is £20,000. This total can be spread across different types of ISAs. More information here.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

 

The primary difference between a standard Stocks and Shares ISA and a flexible Stocks and Shares ISA lies in how withdrawals and replacements affect your annual contribution limit. 

 

Standard Stocks and Shares ISA

If you withdraw money from a standard Stocks and Shares ISA, that amount is removed from your ISA balance, and it cannot be replaced within the same tax year without affecting your annual contribution limit.

You can contribute up to the annual ISA allowance (currently £20,000 for the 2023/24 tax year) across all ISAs. Withdrawals do not add back to this limit.

 

Flexible Stocks and Shares ISA

In a flexible Stocks and Shares ISA, you can withdraw funds at any time. The key feature is that you can replace any amount you withdraw within the same tax year without affecting your annual contribution limit.

If you withdraw £1,000, you can contribute an additional £1,000 later in the same tax year without it counting against your £20,000 limit. This allows for greater flexibility in managing your investments.

When choosing between the two, consider your need for flexibility and how often you anticipate needing to access your funds.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

 

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.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

Yes, any withdrawals from an ISA are tax-free, regardless of the type of ISA.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

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.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

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

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

0% commission equivalent up to £100 000 EUR turnover. Transactions above this limit will be charged a commission of 0.2% (min. 10 GBP). Please note 0.5% currency conversion cost may apply.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

In order to open 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 Stocks & Shares 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.

 

XTB Ltd. is not a bank. Deposits should be made for investment purposes only. T&Cs apply.

Yes, you can transfer your ISA to XTB. Go to your ISA account in the XTB app, click Manage, and then Transfer to XTB. Provide information about the account with your current provider and the assets you want to transfer. The process may take up to 30 days. You can transfer assets from a Stocks and Shares ISA or a Cash ISA.

Please note ISA transfers are currently only available through the XTB app.

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