XTB review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Key facts
- Best for
- Easy-access parking for uninvested trading cash: a monthly fee of £0, no minimum balance and withdrawals of any size to a bank account.
- Headline rate
- 4%↗
- Rate type
- Variable↗
- Minimum deposit
- £0↗
- Deposit protection
- FSCS up to GBP 85,000↗
- Access terms
- Interest on uninvested funds, calculated daily and paid monthly within five days of month end, no minimum or maximum balance, withdraw any amount to your bank account↗
- Monthly fee
- £0↗
- Account kind
- Easy access↗
- Legal entity
- XTB Limited↗
- Headquarters
- Cyprus↗
- Founded
- 2004↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- xtb.com
Everyday accounts
- Currency conversion fee
- 0.5%↗
- Transfer fee
- Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Elsewhere
- WikidataWikipediaXyoutube.com
Pros and cons
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
- Currency conversion costs 0.5%, the same as the savings median of 0.5% and below the upper quartile of 2.02%.
- Support covers email, chat and phone, so a question can be raised by phone, chat, email or the help centre.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
- Deposit protection of FSCS up to GBP 85,000 means balances above that figure fall outside the scheme.
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
Safety of your money
Safety here rests on two things: who authorises the firm and how much of the balance is protected. Deposit protection is listed as FSCS up to GBP 85,000, so a balance above that figure sits outside the scheme and a larger pot would need splitting across providers. Authorisation comes from the UK's Financial Conduct Authority, FRN 522157, and from the Cyprus Securities and Exchange Commission, MiCA CASP 259400HM2TR4U3LF5D43. A Financial Services Commission of Belize registration, 6442514, appears as well, which is the one to check if a balance is held through an entity registered there. For a reader weighing where to park cash, the protection figure and the size of the balance together decide how much of the money the scheme actually reaches; anything above the stated limit does not.
Where it sits among rivals
The published rankings pull in opposite directions. On the headline rate the account sits at 142 out of 473 brands, which places an easy-access pot well short of the front of the savings table and behind providers whose headline numbers are several times higher. On the minimum deposit it ranks 1 out of 370, so a reader who wants to start with a small payment sits at the top of that list. Read together, the two positions say something specific: this account competes on access and running cost rather than on the headline rate, and a reader whose only measure is the rate will find better tables elsewhere. The ranking on minimum deposit is the part that should carry weight for anyone opening a first balance.
Who runs it
The legal entity behind the account is XTB Limited, headquartered in Cyprus and founded in 2004, so this is a long-established name rather than a recent entrant. Its regulatory standing comes from the UK's Financial Conduct Authority, FRN 522157, the Cyprus Securities and Exchange Commission, MiCA CASP 259400HM2TR4U3LF5D43, and the Financial Services Commission of Belize, 6442514. Support is the other practical point: email, chat and phone means a question can be raised by phone, chat, email or the help centre rather than posted out, which matters for a cash account where access problems are time sensitive. Taken with the 4% paid on uninvested funds, the picture is a broker first that pays a modest rate on idle cash, with the service reach of a large platform behind it.
How XTB compares
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Where XTB is available
- Available
- Belize, Chile, Cyprus, Germany, Poland, South Africa, Spain, United Arab Emirates, United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (FCA) (FRN 522157), checked September 26, 2026
- Licence in Poland
- Komisja Nadzoru Finansowego (KNF), checked September 26, 2026
- Licence in Spain
- Comision Nacional del Mercado de Valores (CNMV), checked September 26, 2026
- Licence in United Arab Emirates
- Dubai Financial Services Authority (DFSA), checked September 26, 2026
- Licence in South Africa
- Financial Sector Conduct Authority (FSCA), checked September 26, 2026
- Licence in Belize
- Financial Services Commission (FSC) Belize (6442514), checked September 26, 2026
- Licence in Cyprus
- Cyprus Securities and Exchange Commission (CySEC) (MiCA CASP 259400HM2TR4U3LF5D43), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.
How is interest paid, and can I take money out whenever I want?+
Interest on uninvested funds is calculated daily and paid monthly, and the account has no minimum or maximum balance, so any amount can be moved to a bank account. Withdrawals below a set threshold carry a flat XTB fee, while deposits are free of XTB fees.
Is the interest rate fixed or variable?+
The rate is variable at 4% on the easy access account, so the return can move over time. The site places it at 142 out of 473 brands on the headline rate, a fair return for instant access rather than a rate to build a savings plan around.
Do I need to put money in before the account starts paying?+
The minimum deposit is £0, and XTB states there is no minimum or maximum balance, so a small first payment is enough to start. The site ranks the account at 1 out of 370 brands on minimum deposit, which puts a low barrier at the front of that list.
How does the rate compare with the other options listed?+
XTB pays 4% on uninvested funds, against 3.3% at PayPal Colombia, 21.59% at AXI Card Tarjeta y Credito and 24.19% at Plazo ES. Readers sorting on the headline number alone will find higher offers further up the savings table, so the return here is a compromise rather than the pitch.
Who runs the account, and how do I reach them?+
The legal entity is XTB Limited, headquartered in Cyprus and founded in 2004. Support runs on email, chat and phone, so a query can be raised by phone, chat, email or the help centre. The firm also appears under the Financial Services Commission of Belize, 6442514, alongside its UK and Cyprus registrations.
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=CY”
- xtb.com/cy/about-us checked September 26, 2026
Backs: Founded
“2004 - We are starting to operate as X-Trade Brokers.”
- xtb.com/cy/account-and-fees checked September 26, 2026
Backs: Currency conversion fee, Transfer fee
“Currency conversion fee 0.5% (standard account, stocks and ETFs CFDs)”
- xtb.com/en/about-us checked September 26, 2026
Backs: Support channels
“Our dedicated customer service team speaks 18 languages and is available by email, chat, or phone (Mon-Fri) to guide you.”
- xtb.com/en/account-and-fees checked September 26, 2026
Backs: Deposit protection, Pricing model, Monthly fee
“Account opening and maintenance - Free for all active clients, regardless of account balance”
- xtb.com/en/interest checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Interest rate is calculated daily and paid out monthly within five days of the following month. No action is required, as the interest rate is activated automatically for all clients with uninvested...”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
XTB
Easy-access parking for uninvested trading cash: a monthly fee of £0, no minimum balance and withdrawals of any size to a bank account.