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XTB vs Interactive Investor : Fees, Safety & Trading Conditions Compared (2026)
Broker Name
XTB
Interactive Investor
Broker Overview
Broker Type (e.g., Market Maker, ECN/STP)
Market maker
None
Years of Existence / Established Year
2002
1995
Customer Base / Number of Accounts
2 Million
over 430,000
Regulation & Security
Regulations (governing bodies)
FCA, KNF, CySEC, DFSA, BaFin, FSCA, and FSC.
FCA
Awards Won (count for the last 2 years)
Best for low cost ISA 2025, Best CFD Broker of 2025, Europe's fastest growing company 2025, Highly Recommended Finder Awards 2024,
Best Stocks and Shares ISA - The Times Money Mentor Awards 2024 Boring Money Best Buy ISA - AIC Shareholder Engagement Award 2024 Boring Money Best Buy Pension - AIC Shareholder Engagement Award 2024 Best online stock broker 2023 - ADVFN International Financial Awards
Security Measures
FSCS
FSCS
SSL Encryption / 2FA
Yes
Yes
Segregated Funds
Yes
Yes
Negative Balance Protection
Yes
No
Trading Instruments/Products Offered
Assets Types / Trading Instruments (total count and breakdown)
11400+ trading instruments, including an investment plan
43,000 + funds, Shares, Glits
Currency Pairs
Yes
Yes
Commodities
Yes
Yes
Indices
Yes
Yes
Cryptocurrencies
Yes
No
CFDs
Yes
No
ETFs
Yes
Yes
Stocks
Yes
Yes
Options
No
No
Futures
No
No
Bonds
No
Yes
Mutual Funds
No
Yes
Fractional Shares
Exchange Traded Notes (ETNs)
No
No
Precious Metals
Yes
Yes
Real Estate Investment Trusts (REITs)
No
Yes
Equities
Yes
No
Trading Platforms & Technology
Trading Platform Availability
Yes
Yes
MT4
No
No
MT5
No
No
cTrader
No
No
Social Trading
Yes
Copy Trading
No
No
Other Trading Platforms (proprietary, etc.)
X station
Online ii Community - for social trading
Platform Compatibility (Windows, Mac, iOS, Android)
Yes
Yes only Web
Account Types & Conditions
Account Types (Retail, Pro, VIP, etc.)
Standarad, Professional
Trading Account SIPP Stocks & Shares ISA Junior ISA Cash Savings Managed ISA Joint Trading Account Company Account
Demo Account (Yes/No)
Yes
No
Islamic Accounts (Yes/No)
Yes
No
Minimum Deposit
$0
Euro 250
Leverage Available
1:2 to 1:500
Info not available
Trade Limit (maximum per trade)
Depends on assets class
Varies for each product
Commission (per account type)
$0
Monthly fee ISA / Trading account - £ 4.99 for investment upto £ 50,000 - £ 11.99 (no limit) SIPP - £ 5.99 for investment upto £50,000 - £12.99 (no limit) ISA + Trading Account + SIPP - £ 9.99 for investment upto £75,000 - £ 21.99 (no limit)
Best Suited For (e.g., beginners, experienced traders)
Beginners to experienced traders
Beginners
Deposit & Withdrawal Options
Deposit Methods
bank transfers, credit and debit cards, e-wallets
Cash savings Ac - Bank transfer Debit cards Cheque Payit from Natwest
Withdrawal Methods
bank transfers, credit and debit cards, e-wallets
Bank Transfer
Other E-Wallets Supported
Skrill, Neteller
No
Tools & Educational Resources
Economic Calendar
Yes
Yes
Tools & Educational Resources (tutorials, webinars, market news, etc.)
Educational Articles and Market Articles
StockScreener - Intuitive tool to explore the markets
Fees & Commissions
Trading-Related Fees
Spread 0.1 to 0.8 pips, Stock transfer fee- USD 25, ETF commission- 0.2%
UK & US shares, funds, ETFs, bonds and gilts - £3.99, Other international shares - £9.99 / £5.99 (Super Investor), Dividend reinvestment - £0.99, For value over £100,000 - 0.04% of trade value, Buying / Selling other international shares - £9.99, For value over £25,000 - 0.10% of trade value, International trading fees for super investors - £5.99
Spread (typical, fixed, variable)
Variable
Info not available
Per Lot Fees
0.08% per lot, or 0.16% per round turn
£ 3.99 per trade
Options Contract Fees
NA
NA
Futures Contract Fees
NA
NA
Markup Fees on Spread
NA
NA
Guaranteed Stop Loss Fees
NA
NA
Maximum Leverage
(1:500)
Info not available
Non-Trading Fees
Dormant Fees
Charges apply 12 months of inactivity
$0
Subscription Fees (for premium features, data feeds)
NA
Super Investor plan - £ 19.99 per month Super Investor + SIPP = £29.99 per month
Advisory Fees
0% advisory fee for cash-enhanced portfolio, 0.30% annual advisory fee for market-focused portfolio, 0.75-0.85% annual advisory fee for personal advice
$0
Swap Fees (Overnight Financing)
No
NA
Statement or Document Fee
$0
NA
Account Opening Fee
$0
NA
Account Maintenance Fee
$0
Administrative charges Share certificate withdrawal - £ 35 + VAT - Per certificate Failed payments or late settlement - £ 25 Paper documents - £ 3 + VAT per document Contract notes sent by post - £ 1.50 + VAT per document VCTs processing charge - £ 30 per application
Deposit Fee
$0- Bank transfer, Visa, Mastercard, or Maestro, 2% fee for deposits via Skrill.
£ 0
Currency Conversion Fee
0.50%
Value converted FX charge £ 0 - £ 24,999.99 1.5% £ 25,000 - £ 49,999.99 1.25% £ 50,000 - £ 99,999.99 1.00% £ 100,000 - £ 599,999.99 0.50% £ 600,000 or more 0.25%
Withdrawal Fee
$0 - above $50, £5 or $20 fee for withdrawals below £50 or $50
Urgent withdrawals cost - £15
Bonuses, Promotions & Benefits
Bonuses, Promotions, and Referrals
Yes
Yes
Customer Benefits (e.g., Retirement Plan)
No
Yes
Trading Hours
Trading Hours (for each asset class if applicable)
22:00 on Sunday to 21:00 on Friday GMT.
UK- Pre-market: 7 AM - 9:30 AM After-hours: 4:05 PM - 8 PM
Customer Support
Support Hours (e.g., 24/7, weekdays only)
(24/5)
7.45am to 5.30pm (GMT) Monday - Friday
Customer Support Methods (phone, email, live chat)
Phone: +48 222 739 976, Live chat, E-mail: [email protected]
Tel: 0345 607 6001 From abroad: +44 113 346 2309
Support Languages
10
1
Additional Information
Headquarters Location
Poland
Leeds One Embankment, Neville Street, Leeds, LS1 4DW
Complaints (for crypto brokers)
No
No
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