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XTB vs Interactive Investor 2023

StockBrokers.com

Written by StockBrokers.com

August 03, 2023

Is XTB better than Interactive Investor? After scoring the best share dealing accounts across 46 different variables, our analysis finds that Interactive Investor is better than XTB. The standout feature at Interactive Investor (ii) is its low flat-rate fees. Other investment platforms typically favour percentage fees for fund investing, although more brokers are now opting for flat fees. Our view is that Interactive Investor is a great platform for any investor, offering a wide range of investments for cheap prices on the whole.

Select Brokers

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  • check_box_outline_blankcheck_boxAJ Bell
  • check_box_outline_blankcheck_boxBarclays
  • check_box_outline_blankcheck_boxCapital.com
  • check_box_outline_blankcheck_boxCMC Invest
  • check_box_outline_blankcheck_boxDEGIRO
  • check_box_outline_blankcheck_boxeToro
  • check_box_outline_blankcheck_boxFineco Bank
  • check_box_outline_blankcheck_boxFreetrade
  • check_box_outline_blankcheck_boxHalifax
  • check_box_outline_blankcheck_boxHargreaves Lansdown
  • check_box_outline_blankcheck_boxIG
  • check_box_outline_blankcheck_boxInteractive Brokers
  • check_box_outline_blankcheck_boxInteractive Investor
  • check_box_outline_blankcheck_boxLloyds Bank
  • check_box_outline_blankcheck_boxSaxo Markets
  • check_box_outline_blankcheck_boxTrading 212
  • check_box_outline_blankcheck_boxXTB

Compare

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Broker Screenshots XTB Interactive Investor
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Overall Rating XTB Interactive Investor
Overall Rating 4/5 Stars 4.5/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 4.5/5 Stars
Website 4/5 Stars 5/5 Stars
Ease of Use 4/5 Stars 5/5 Stars
Education 4.5/5 Stars 5/5 Stars
Review XTB Review Interactive Investor Review
Winner check_circle
Investments XTB Interactive Investor
ISA info No Yes
SIPP info No Yes
Share Trading info Yes Yes
CFD Trading info Yes No
Funds info Yes Yes
ETFs info Yes Yes
Bonds - Corporate info No Yes
Bonds - Government (Gilts) info No Yes
Investment Trusts info No Yes
Spread Betting info Yes No
Crypto Trading info No No
Advisor Services info No No
Trading Fees XTB Interactive Investor
Minimum Deposit info £0.0 £0.0
Share Trading: 0-9 Deals/ Month info £0 £3.99
Share Trading: 10-19 Deals/ Month info £0 £3.99
Share Trading: 20+ Deals/ Month info £0 £3.99
5 trades per year (£30k portfolio) info £0 £79.83
12 trades per year (£30k portfolio) info £0 £107.76
36 trades per year (£30k portfolio) info £0 £203.52
120 trades per year (£30k portfolio) info £0 £538.68
3 fund trades per year (£30k portfolio) info N/A £71.85
Annual Custody Fee: £0 - £250,000 info 0 £59.88 - £143.88
Annual Custody Fee: £250K-£500K info 0 £143.88
Annual Custody Fee: £500,000 - £1m info 0 £143.88
Annual Custody Fee: £1m and over info 0 £143.88
Bonds - Corporate - Fee info N/A £3.99
Bonds - Government (Gilts) - Fee info N/A £3.99
ETFs - Fee info £0 £3.99
Investment Trusts - Fee info N/A £3.99
Telephone Dealing Fee info N/A £49
Platforms & Tools XTB Interactive Investor
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes Yes
Charting - Indicators / Studies info 59 104
Charting - Drawing Tools info 9 18
Charting - Notes info Yes Yes
Charting - Display Corporate Events info Yes Yes
Charting - Stock Overlays info Yes Yes
Charting - Index Overlays info Yes Yes
Research XTB Interactive Investor
Research - Shares info Yes Yes
Research - CFDs info Yes No
Research - Funds info No Yes
Fund Research - Research Reports info Yes Yes
Research - ETFs info Yes Yes
Research - Bonds info No Yes
Portfolio Allocation Breakdown info Yes Yes
Education XTB Interactive Investor
Education (Share Trading) info Yes Yes
Education (Funds) info Yes Yes
Education (Retirement) info No Yes
Client Webinars info Yes Yes
Client Webinars (Archived) info Yes Yes
Overall Summary XTB Interactive Investor
Overall Rating 4/5 Stars 4.5/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4/5 Stars 5/5 Stars
Mobile App 4.5/5 Stars 4.5/5 Stars
Website 4/5 Stars 5/5 Stars
Research [DELETED] N/A N/A
Ease of Use 4/5 Stars 5/5 Stars
Education 4.5/5 Stars 5/5 Stars
Review XTB Review Interactive Investor Review
Winner check_circle
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Comparing online share dealing platforms side by side is no small task. For our 2023 review of U.K. brokers, nearly 600 data points were collected over a 10-week period and used to score each broker. Let’s compare XTB and Interactive Investor.

XTB vs Interactive Investor Comparison

For our 2023 Review, we assessed the best trading platforms in the UK for online share dealing. Let's compare XTB vs Interactive Investor.

Is XTB a good broker?

XTB has set itself up as a strong competitor in commission-free share trading. Its low fees and solid educational content will make XTB particularly attractive to newer investors. It does not, however, offer an ISA or SIPP.

Is Interactive Investor a good broker?

The standout feature at Interactive Investor (ii) is its low flat-rate fees. Other investment platforms typically favour percentage fees for fund investing, although more brokers are now opting for flat fees. Our view is that Interactive Investor is a great platform for any investor, offering a wide range of investments for cheap prices on the whole.

Which broker is less expensive?

Alongside the cost per trade, most UK online brokers also charge a monthly, quarterly, or annual management fee, which varies based on the account type and balance. Based on our thorough review, XTB offers better pricing than Interactive Investor for share dealing.

Assuming a £30,000 portfolio size, here are the total annual costs for share dealing with both brokers, given different monthly activity scenarios.

5 trades per year - XTB would cost £0 per year, while Interactive Investor would cost £79.83 per year.

12 trades per year - XTB would cost £0 per year, while Interactive Investor would cost £107.76 per year.

36 trades per year - XTB would cost £0 per year, while Interactive Investor would cost £203.52 per year.

120 trades per year - XTB would cost £0 per year, while Interactive Investor would cost £538.68 per year.

3 fund trades per year - XTB would cost £0.0 per year, while Interactive Investor would cost £0.0 per year.

How do XTB and Interactive Investor compare in terms of minimum deposits required?

XTB requires a minimum deposit of £0.0, while Interactive Investor requires a minimum deposit of £0.0. From our testing we found for accounts between £0 - £250,000 XTB charges annual custody fees of 0, while Interactive Investor charges annual custody fees of £59.88 - £143.88.

Which broker offers a wider range of investment options?

XTB offers investors access to Share Trading, CFD Trading, Funds, ETFs and Spread Betting, while Interactive Investor offers investors access to ISA, SIPP, Share Trading, Funds, ETFs, Bonds - Corporate, Bonds - Government (Gilts) and Investment Trusts. Neither have Crypto Trading and Advisor Services. Investing encompasses a wide variety of asset classes, so finding a broker that offers every investment type you are interested in is important.

Do XTB and Interactive Investor offer ISA or SIPP accounts?

Self-invested personal pensions (SIPPs) and individual savings accounts (ISAs) are tax-advantaged savings accounts that are an important tool for many individual investors. You can read more about how these accounts operate at Gov.UK: Click here for SIPP information and here for ISA information. Our analysis finds that XTB offers traders access to neither of these accounts, while Interactive Investor offers traders access to SIPP and ISA accounts.

Do XTB and Interactive Investor offer cryptocurrency?

In our analysis of top brokers for share dealing in the U.K., we research whether each broker offers the ability to trade cash cryptocurrency, such as bitcoin and ethereum, which is still a somewhat rare offering amongst major U.K. brokers. Our review finds that neither XTB nor Interactive Investor offer crypto investing.

Which broker offers a better website experience?

Our testing concluded that the website of Interactive Investor is better than the website of XTB. Interactive Investor offers more functionality, is cleanly designed, and is, overall, easier to use for beginners and casual investors.

Which stock trading app is better?

To compare the trading platforms of both XTB and Interactive Investor, we tested each broker's stock trading app. All features compared, our analysis finds that XTB offers a better mobile app. Dive deeper: Best Stock Trading Apps UK.

Do XTB and Interactive Investor offer educational resources?

Educational offerings are of particular importance to those who are newer to investing, and we examine the availability of several different types of educational materials in our analysis. Our research finds that XTB offers traders access to Client Webinars, Client Webinars (Archived), Education (Share Trading) and Education (Funds), while Interactive Investor offers access to Client Webinars, Client Webinars (Archived), Education (Share Trading), Education (Funds) and Education (Retirement).

Overall winner: Interactive Investor

Read Next: Best UK Trading Platforms 2023


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