Global investment app XTB has today launched its first Cash ISA in the UK, marking a significant expansion beyond investing into everyday tax-efficient savings. The new Cash ISA complements XTB’s existing Stocks & Shares ISA, meaning UK customers can now access the full suite of core ISA products in one place. The move positions XTB as a single platform where savers and investors can manage their money in the way that suits them best – whether that’s earning interest on cash or investing for longer-term growth – all within one trusted, regulated app.
To support the launch, XTB is introducing a time-limited interest rate of 6.00% AER on GBP balances for new UK customers, available for the first 90 days after opening an XTB account. This boosted rate applies to funds held across all eligible sub-accounts, including the new Cash ISA and XTB’s Stocks & Shares ISA, on balances up to £40,000, before reverting to XTB’s standard variable rate of 4.00% AER thereafter. The promotion runs from 1 March 2026 until 30 April 2026.
XTB’s Cash ISA gives UK savers a clear, tax-efficient way to make more of their cash. Individuals can put away up to £20,000 a year, earning any interest tax free. With interest rates still well above levels seen for much of the past fifteen years, higher rates are pushing more people beyond their personal savings allowances: £1,000 for basic rate taxpayers, £500 for higher rate taxpayers and nothing at all for additional rate taxpayers. This has led to increasing demand for straightforward, tax efficient options such as ISAs to protect returns.
Joshua Raymond, UK Managing Director of XTB, says: “This is typically the point in the year when people take stock, compare options and ask if their savings are doing enough for them. Too much of the UK’s savings are still parked in accounts doing very little, and more people are now being drawn into paying tax on their interest.
But with markets increasingly expecting interest rates to drop again, potentially this month, people are also realising that today’s higher returns may not last forever. It’s therefore vital that savers take this opportunity now to review where their cash is held and look at how they can best protect their returns in a tax-efficient way.
With our Cash ISA, we want to make this decision simpler for savers across the UK. If you prefer to keep money in cash, you shouldn’t have to sacrifice clarity or tax efficiency. And if you’re also investing, you shouldn’t need multiple apps to see the full picture. Our aim is to be the place people can put their money to work in the way that suits them, whether that’s passively through savings or more actively through investing, all within one platform.”
The launch reflects XTB’s ambition to support customers across their full financial journey, helping them manage savings and investments together in one place. XTB’s Cash ISA offers a digital-first experience backed by the company’s established UK presence and regulatory oversight. By bringing cash savings alongside investing tools within a single app, XTB aims to reduce friction between saving and investing and give customers greater control over how their money is used over time.
The UK Cash ISA launch supports XTB’s long-term growth strategy in the UK and reinforces its commitment to serving everyday savers and investors with transparent, easy-to-use financial products, as the company continues to broaden its offering.
