XTB offers a variable rate of 4% AER on uninvested cash held within a Cash ISA and a Stocks and Shares ISA.

Key Rate Features:

• Standard Variable Rate: The standard 4% AER variable rate comes with no bonus period restrictions, no withdrawal limits, and no minimum balance required to earn interest.

• Calculated Daily, Paid Monthly: Interest accrues on a daily basis and is credited to your account within the first five business days of the following month.

• Rate Updates: Rates are subject to change. You can always view the most up-to-date rates on XTB’s Interest Rates Page.

Previous Promotional Rate (6% AER)

If you opened an account between 1 March 2026 and 30 April 2026 and met the promotion terms, you are eligible for a 2% fixed rate boost on top of the standard 4% variable rate (6% total AER).

• Boost Duration: The 6% boosted rate applies for three months starting from the exact date your new ISA account was activated.

• Example: If your ISA was activated on 15 March 2026, your uninvested funds earned 6% AER until 14 June 2026. After this three-month window ends, your rate automatically reverts to the standard variable rate.

• Activation Date: The three-month boosted period starts as soon as the ISA is activated, regardless of when you deposit funds into the account.

Important Note on App Visibility: The XTB app only displays the standard 4% variable rate and does not show promotional rates within the interface.

If you are currently on or previously signed up for a specific promotional rate and would like to confirm your account status, please ask to be connected to a live agent in our Support chat.