XTB Cash ISA Review 2026: Up to 6.00% AER With Boosted Launch Rate
XTB, one of Europe's largest listed brokers, has launched a Cash ISA for UK residents. With a boosted rate of 6.00% AER for the first 90 days and flexible withdrawals, it is positioned as one of the most competitive options in the market right now.
We reviewed the XTB Cash ISA to help you decide whether it is the right fit for your savings.
What Is the XTB Cash ISA?
XTB, one of Europe's largest listed brokers, has launched a Cash ISA that allows UK residents to save up to £20,000 per tax year with all interest earned completely tax-free. The ISA is available to both new and existing XTB clients.
To mark the launch, XTB is offering a limited-time boosted interest rate of 4.00% + 2.00% AER for the first 90 days from the date of account opening. This effectively gives savers a 6.00% AER for the first three months, positioning it as one of the most competitive short-term rates currently available in the UK Cash ISA market.
After the 90-day promotional period, the rate reverts to the standard variable rate. We will update this article once the post-promotional rate is confirmed.
Flexible ISA: Withdraw Without Losing Allowance
One of the standout features of the XTB Cash ISA is its flexibility. This means you can withdraw funds and replace them within the same tax year without it counting against your £20,000 annual ISA allowance.
For example, if you deposit £15,000, withdraw £5,000 for an unexpected expense, and then replace that £5,000 later in the tax year, your remaining allowance is still £5,000 rather than zero. This is a meaningful advantage for savers who want access to their funds without penalty.
Transfers from other ISA providers are also supported without losing your tax-free status, which makes it straightforward to move existing ISA balances across if you find a better rate.
How Does the XTB Cash ISA Compare?
The 6.00% AER boosted rate for 90 days is among the highest promotional rates in the market right now. However, when comparing Cash ISAs, it is important to consider both the introductory and ongoing rates.
For the first 90 days, XTB offers the highest effective rate in the market. Beyond that, the ongoing rate will determine its long-term competitiveness. Savers who want to maximise short-term returns, especially ahead of the ISA allowance reduction in April 2027, may find this particularly attractive.
For a full side-by-side comparison of all providers, see our Best Cash ISAs UK 2026 ranking.
Pros and Cons
Who Is the XTB Cash ISA Best For?
The XTB Cash ISA suits savers who want to take advantage of a high short-term rate, particularly those looking to maximise their ISA contributions before the end of the 2025/26 tax year (5 April 2026) or ahead of the ISA allowance reduction to £12,000 in April 2027.
It is also a solid option for existing XTB clients who already use the platform for trading or investing and want to keep their savings under one roof.
If you prioritise long-term rate stability over a short-term boost, you may want to compare with providers like Moneybox or Atom Bank, which offer competitive standard variable rates without a promotional expiry. For a full side-by-side comparison, see our Best Cash ISAs UK 2026 overview.
If you have already used your ISA allowance or want additional savings options, see our best high-yield savings accounts UK comparison.
How to Open the XTB Cash ISA
About XTB
XTB is one of Europe's largest publicly listed investment platforms, with a presence in multiple countries. In the UK, XTB Limited is authorised and regulated by the Financial Conduct Authority (FCA) under licence number FRN 522157, with offices at One Canada Square, Canary Wharf, London.
The platform offers a range of investment products including stocks, ETFs, and CFDs alongside the newly launched Cash ISA. XTB has built a reputation for competitive pricing and a well-designed trading platform (xStation).
Frequently Asked Questions
What is the XTB Cash ISA interest rate?
XTB offers a boosted rate of 4.00% + 2.00% AER for the first 90 days from account opening, giving an effective rate of 6.00% AER during that period. After 90 days, the rate reverts to the standard variable rate.
Is the XTB Cash ISA flexible?
Yes. You can withdraw and replace funds within the same tax year without it counting against your annual £20,000 ISA allowance. Transfers from other ISA providers are also supported.
Who is eligible for the XTB Cash ISA?
Both new and existing XTB clients can open a Cash ISA. You must be a UK resident aged 18 or over.
Is XTB regulated in the UK?
Yes. XTB Limited (UK) is authorised and regulated by the Financial Conduct Authority under licence number FRN 522157.
Can I transfer my existing ISA to XTB?
Yes. You can transfer funds from other ISA providers to the XTB Cash ISA without losing your tax-free status.
Disclaimer: Capital at risk. Investment values can rise or fall. 2% ISA rate boost for 90 days. Interest paid up to 100k. T&Cs apply. Interest rates shown are correct as of March 2026 and may change. Variable rates are subject to change without notice. Tax treatment depends on individual circumstances and may change in the future. All investments carry risk, including loss of capital. MatchMyBroker does not offer investment products or advisory services. The content is for informational purposes only and may not be accurate or complete. Please do your own research.
