Global investment app XTB launched its first UK Cash ISA on Saturday, expanding the broker’s product suite beyond its existing Stocks & Shares ISA.
To drive sign-ups, the firm is offering new clients a promotional 6.00% Annual Equivalent Rate (AER) on GBP balances up to £40,000 for the first 90 days. The sign-up window runs until 30 April 2026. After the 90-day period, the rate reverts to a standard variable 4.00% AER.
The promotional rate is restricted to first-time XTB clients who register and activate an account during the campaign window. The 90-day clock starts on the date the ISA is activated, not when funds are credited. Balances above the £40,000 cap earn the standard 4.00% rate.
Over a 12-month period, the blended return works out at roughly 4.5% AER, which positions XTB near the top end of the easy-access Cash ISA market.
The product is structured as a Flexible Cash ISA, meaning users can withdraw and replace funds within the same tax year without the replacement counting against their £20,000 annual ISA allowance. The minimum deposit is £10.
The product has one constraint: XTB does not currently support incoming Cash ISA transfers from other providers. The company has said this functionality will be “supported soon.” Users must also open a General Investment Account (GIA) before they can open the Cash ISA.
The launch comes ahead of the 5 April tax year-end, when ISA activity typically peaks. It also arrives before a planned reduction in the Cash ISA allowance to £12,000 from April 2027, announced by Chancellor Rachel Reeves in the Autumn Budget.
With both a Cash ISA and a Stocks & Shares ISA now available inside one app, XTB is positioning itself as a broader UK savings and investment platform rather than a trading-first proposition.
