Start investing with XTB Amid the ongoing volatility in financial markets, XTB stands out as your one-stop shop for investing, saving, and trading. You can choose from over 6,900 instruments, including stocks, ETFs, commodities, indices, fractional shares, and a Flexible Stocks & Shares ISA. And if you prefer to keep your options open, XTB also offers a competitive 4.5% interest rate on uninvested cash held in your account allowing your money to work for you while you plan your next move.More than just an investment platform, XTB offers comprehensive live market analysis both on its website and YouTube channel, making it a true educational hub packed with up-to-date resources to help you sharpen your investing strategy for 2025.When it comes to fees, XTB keeps things simple and competitive. There are no account maintenance fees, and commission on trades only applies if your account balance exceeds €100,000 (around £83,000 at the time of writing).* However, it’s worth noting that a 0.5% currency conversion fee applies for international trades, and the spread (the difference between an asset’s buying and selling price) may be slightly higher than with some competitors.*For monthly turnover equivalent up to 100,000 EUR. Transactions above this limit will be charged a commission of 0.2% (minimum 10 GBP). 0.5% currency conversion cost may apply. Capital at risk. The value of your investments may go up or down. Tax treatment depends on your individual circumstances and ISA regulations which may change. T&Cs apply, Every adult has a £20,000 ISA allowance for 2025/26 and it's possible to use all or part of that ISA allowance to invest in the stock market. This guide runs through what you need to know before investing in a stocks & shares ISA. Investing comes with risk, as the value of your investments can go , Below I compare investment platforms showing the cheapest investment platform for both Stocks and Shares ISA and SIPP investments. To produce the table I compared both the SIPP charges and the Stocks and Shares ISA charges across the market assuming an initial lump sum investment of £20,000 into a Stocks and Shares ISA and an initial investment of £5,000 into a SIPP..