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XTB vs Vanguard UK Investor 2025

StockBrokers.com

Written by StockBrokers.com

July 31, 2025

In this head to head comparison of XTB vs Vanguard UK Investor, we will compare the trading platforms, mobile apps, investment options, costs, market research, and more. Let's dive in.

XTB
4.5/5 Stars Overall
  • Minimum Deposit: £0
  • ISA: Yes
  • SIPP: No
Vanguard UK Investor
4/5 Stars Overall
  • Minimum Deposit: £500
  • ISA: Yes
  • SIPP: Yes

Your capital is at risk.

Fees

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 Vanguard UK Investor for share dealing.

query_stats What type of trader are you?

New to the world of investing? See our picks for the Best UK Trading Platforms for Beginners. More experienced traders should read our guide to the Best UK Trading Platforms for Active Traders.

Investment Choices

For UK investors exploring online broker choices, both XTB and Vanguard UK Investor present distinct options tailored to different preferences. XTB allows you to trade shares and ETFs, alongside offering CFD trading, although it does not support crypto or fund trading. This diverse range of offerings has earned XTB a rating of 4.5 stars for investment choices and a ranking of 13 out of 21 brokers by UK.StockBrokers.com. In contrast, Vanguard UK Investor is known for its strong focus on fund trading and ETF trading. Although it doesn't facilitate share, crypto, or CFD trading, it remains a solid choice for those keen on funds, earning a 3.5-star rating and a position of 18 in the investment choices ranking.

For those considering additional trading options, it's notable that neither XTB nor Vanguard UK Investor provides spread betting, crypto trading, or access to advice services, keeping the selection mostly traditional. Moreover, both platforms are devoid of options for trading corporate or government bonds as well as investment trusts. While XTB might attract traders with its slightly broader trading suite, Vanguard UK Investor appeals to those looking for core fund investments. Choosing between the two hinges largely on what types of assets you aim to include in your portfolio and your trading ambitions.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Share Trading info Yes No
CFD Trading info Yes No
ETFs info Yes Yes
Mutual Funds info No Yes
Bonds - Government (Gilts) info No No
Investment Trusts info No No
Spread Betting info Yes No
Crypto Trading info No No
Advisor Services info No No
Investment Choices 4.5/5 Stars 3.5/5 Stars

Featured Offers


4.5/5 Stars

Low-cost US and UK shares.

4.5/5 Stars

Professional’s Gateway to the World’s Markets.

Trading Tools

When comparing the trading tools available with XTB and Vanguard UK Investor, XTB distinctly stands out for its advanced charting features. XTB provides users with the ability to display corporate events directly on charts, which is a function Vanguard UK Investor lacks. Additionally, XTB offers an impressive array of charting tools, including 20 drawing tools and 39 technical indicators, whereas Vanguard UK Investor offers none. Further enhancing chart interactions, XTB allows traders to add personal notes to their charts, a feature not available with Vanguard UK Investor.

Both brokers offer browser-based trading platforms, enabling easy access to trades. However, XTB also supports setting alerts for stock price updates and delivers real-time market data, providing crucial information and timely notifications that can significantly affect trading decisions. Vanguard UK Investor does not offer these options, which might limit timely decision-making. Lastly, neither XTB nor Vanguard UK Investor includes index or stock overlay features within their charting tools, making this aspect neutral in the comparison.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Web Platform info Yes Yes
Stock Alerts info Yes No
Charting - Indicators / Studies info 39 0
Charting - Drawing Tools info 20 0
Charting - Notes info Yes No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No

ISAs and SIPPs

When comparing online brokers XTB and Vanguard UK Investor for UK retirement accounts, both platforms offer Individual Savings Accounts (ISAs), providing a tax-efficient way to invest. However, if you're considering a Self-Invested Personal Pension (SIPP) for your retirement planning, Vanguard UK Investor has the edge, offering SIPP options, whereas XTB does not provide this account type. This simple distinction may be crucial for investors focusing on comprehensive retirement strategies.

Dive deeper: Best SIPP Providers, Best Stocks and Shares ISA Providers.

Mobile App

When comparing mobile apps of online brokers XTB and Vanguard UK Investor for UK users, both brokers offer iPhone and Android apps, allowing convenient on-the-go trading. However, XTB's app stands out with a higher rating of 4.5 stars given by UK.StockBrokers.com, securing the 6th spot out of 21 brokers in their mobile app ranking. In contrast, Vanguard UK Investor's app is rated 3.5 stars and ranks 19th in the same list, indicating a notable difference in user satisfaction and app performance between the two platforms.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK beginners seeking to learn about investing, XTB and Vanguard UK Investor offer different educational resources tailored to specific needs. XTB excels in teaching share trading strategies, earning a 4.5-star rating from UK.StockBrokers.com and ranking 9th among 21 brokers for beginner education. Conversely, Vanguard UK Investor focuses on educating about funds and retirement, providing archived webinars for convenient on-demand viewing. While Vanguard’s resources are more comprehensive in these areas, it receives a lower 3.5-star rating and is ranked 17th. The choice between XTB and Vanguard ultimately hinges on whether you aim to learn about share trading or focus more on investment funds and retirement planning.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Client Webinars info No No
Client Webinars (Archived) info No Yes
Education (Share Trading) info Yes No
Education (Funds) info No Yes
Education (Retirement) info No Yes
Education 4.5/5 Stars 3.5/5 Stars

Dive deeper: Best UK Trading Platforms for Beginners.

Market Research

When comparing the market research features of XTB and Vanguard UK Investor, UK investors will find distinct differences. XTB does not provide research reports for funds, whereas Vanguard UK Investor offers this valuable insight, which can be essential for those focused on funds. Both platforms equally allow users to view their portfolio allocation by asset class, aiding in informed investment decisions. For those interested in shares research, XTB is the go-to as Vanguard UK Investor lacks this feature. If ETFs are your focus, both XTB and Vanguard UK Investor offer research in this area. However, only Vanguard UK Investor provides research on funds, a feature unavailable in XTB. Neither platform offers research on bonds, which investors should consider when looking for comprehensive research options. Overall, the choice between XTB and Vanguard UK Investor will largely depend on your specific research needs and investment interests.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Research - Shares info Yes No
Research - ETFs info Yes Yes
Research - Bonds info No No
Research - Funds info No Yes
Fund Research - Research Reports info No Yes
Portfolio Allocation Breakdown info Yes Yes

XTB vs Vanguard UK Investor Winner

Which broker is better overall, XTB or Vanguard UK Investor? After collecting more than 900 data points over a 10-week period, we found XTB to be a better trading platform overall.

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.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 3.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 3.5/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4.5/5 Stars 3.5/5 Stars

FAQs

Can you trade cryptocurrency with XTB or Vanguard UK Investor?

Both XTB and Vanguard UK Investor do not offer cryptocurrency trading options to their clients, focusing instead on a range of other investment products and services.

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Compare

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Overall Rating XTB Vanguard UK Investor
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 3.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 3.5/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4.5/5 Stars 3.5/5 Stars
Review XTB Review Vanguard UK Investor Review
Winner check_circle
Investments XTB Vanguard UK Investor
ISA info Yes Yes
SIPP info No Yes
Share Trading info Yes No
CFD Trading info Yes No
Mutual Funds info No Yes
ETFs info Yes Yes
Bonds - Corporate info No No
Bonds - Government (Gilts) info No No
Investment Trusts info No No
Spread Betting info Yes No
Crypto Trading info
Advisor Services info No No
Trading Fees XTB Vanguard UK Investor
Minimum Deposit info £0 £500
Share Trading: 0-9 Deals/ Month info £0 N/A
Share Trading: 10-19 Deals/ Month info £0 N/A
Share Trading: 20+ Deals/ Month info £0 N/A
5 trades per year (£30k portfolio) info
12 trades per year (£30k portfolio) info
36 trades per year (£30k portfolio) info
120 trades per year (£30k portfolio) info
3 fund trades per year (£30k portfolio) info
Annual Platform Fee (Funds): £0 - £250,000 info 0 Under £32,000: £48 / Over £32,000: 0.15%
Annual Platform Fee (Funds): £250K-£500K info 0 £375
Annual Platform Fee (Funds): £500,000 - £1m info 0 £375
Annual Platform Fee (Funds): £1m and over info 0 £375
Bonds - Corporate - Fee info N/A N/A
Bonds - Government (Gilts) - Fee info N/A N/A
ETFs - Fee info £0 0.02% to 0.14%
Investment Trusts - Fee info N/A N/A
Telephone Dealing Fee info N/A N/A
Broker Screenshots XTB Vanguard UK Investor
Website Gallery (click to expand)
Mobile Trading Apps Gallery (click to expand)
Education Gallery (click to expand)
Platforms & Tools XTB Vanguard UK Investor
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info Yes No
Charting - Indicators / Studies info 39 0
Charting - Drawing Tools info 20 0
Charting - Notes info Yes No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info No No
Charting - Index Overlays info No No
Research XTB Vanguard UK Investor
Research - Shares info Yes No
Research - CFDs info
Research - Funds info No Yes
Fund Research - Research Reports info No Yes
Research - ETFs info Yes Yes
Research - Bonds info No No
Portfolio Allocation Breakdown info Yes Yes
Education XTB Vanguard UK Investor
Education (Share Trading) info Yes No
Education (Funds) info No Yes
Education (Retirement) info No Yes
Client Webinars info No No
Client Webinars (Archived) info No Yes
Overall Summary XTB Vanguard UK Investor
Overall Rating 4.5/5 Stars 4/5 Stars
Charges & Fees 5/5 Stars 4.5/5 Stars
Investment Choices 4.5/5 Stars 3.5/5 Stars
Mobile App 4.5/5 Stars 3.5/5 Stars
Website 4/5 Stars 3.5/5 Stars
Ease of Use 4.5/5 Stars 4.5/5 Stars
Education 4.5/5 Stars 3.5/5 Stars
Review XTB Review Vanguard UK Investor Review
Winner check_circle
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