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XTB vs Vanguard UK Investor 2024

StockBrokers.com

Written by StockBrokers.com

February 01, 2024

Is XTB better than Vanguard UK Investor? After scoring the best share dealing accounts across 46 different variables, our analysis finds that XTB is better than Vanguard UK Investor. 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.

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Compare

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Overall Rating XTB Vanguard UK Investor
Overall Rating 4/5 Stars 3.5/5 Stars
Charges & Fees 5/5 Stars 5/5 Stars
Investment Choices 4/5 Stars 3.5/5 Stars
Mobile App 4.5/5 Stars 0.5/5 Stars
Website 4/5 Stars 3/5 Stars
Ease of Use 4/5 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 No Yes
SIPP info No Yes
Share Trading info Yes No
CFD Trading info Yes No
Funds info Yes 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 No No
Advisor Services info No No
Trading Fees XTB Vanguard UK Investor
Minimum Deposit info £0.0 £500.0
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 £0 £45
12 trades per year (£30k portfolio) info £0 £45
36 trades per year (£30k portfolio) info £0 £45
120 trades per year (£30k portfolio) info £0 £45
3 fund trades per year (£30k portfolio) info N/A £45
Annual Custody Fee: £0 - £250,000 info 0 0.15%
Annual Custody Fee: £250K-£500K info 0 £375
Annual Custody Fee: £500,000 - £1m info 0 £375
Annual Custody Fee: £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 0.46%
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 No
Android App info Yes No
Stock Alerts info Yes No
Charting - Indicators / Studies info 59
Charting - Drawing Tools info 9
Charting - Notes info Yes No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes No
Research XTB Vanguard UK Investor
Research - Shares info Yes No
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 No
Portfolio Allocation Breakdown info Yes Yes
Education XTB Vanguard UK Investor
Education (Share Trading) info Yes No
Education (Funds) info Yes Yes
Education (Retirement) info No Yes
Client Webinars info Yes No
Client Webinars (Archived) info Yes Yes
Overall Summary XTB Vanguard UK Investor
Overall Rating 4/5 Stars 3.5/5 Stars
Charges & Fees 5/5 Stars 5/5 Stars
Investment Choices 4/5 Stars 3.5/5 Stars
Mobile App 4.5/5 Stars 0.5/5 Stars
Website 4/5 Stars 3/5 Stars
Ease of Use 4/5 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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Comparing online share dealing platforms side by side is no small task. For our 2024 review of U.K. brokers, more than 900 data points were collected over a 10-week period and used to score each broker. Let’s compare XTB and Vanguard UK Investor.

XTB vs Vanguard UK Investor Comparison

For our 2024 Review, we assessed the best trading platforms in the UK for online share dealing. Let's compare XTB vs Vanguard UK 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 Vanguard UK Investor a good broker?

Vanguard U.K. Investor, part of one of the world's largest fund managers, is cheap and easy to use and will appeal to investors looking for inexpensive index funds for long-term investing. Its platform, however, reveals many shortcomings compared to leading brokers, particularly relating to the narrow investment selection and lack of mobile app.

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, Vanguard UK Investor offers better pricing than XTB 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 Vanguard UK Investor would cost £45 per year.

12 trades per year - XTB would cost £0 per year, while Vanguard UK Investor would cost £45 per year.

36 trades per year - XTB would cost £0 per year, while Vanguard UK Investor would cost £45 per year.

120 trades per year - XTB would cost £0 per year, while Vanguard UK Investor would cost £45 per year.

3 fund trades per year - XTB would cost £0.0 per year, while Vanguard UK Investor would cost £500.0 per year.

query_stats What type of trader are you?

Our guides can help you choose the right broker for you and the way you trade: whether you consider yourself an investing beginner, a more experienced active trader, or a mobile-first trading enthusiast.

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

XTB requires a minimum deposit of £0.0, while Vanguard UK Investor requires a minimum deposit of £500.0. From our testing we found for accounts between £0 - £250,000 XTB charges annual custody fees of 0, while Vanguard UK Investor charges annual custody fees of 0.15%.

Which broker offers a wider range of investment options?

XTB offers investors access to Share Trading, CFD Trading, Funds, ETFs and Spread Betting, while Vanguard UK Investor offers investors access to ISA, SIPP, Funds and ETFs. Neither have Bonds - Corporate, Bonds - Government (Gilts), Investment Trusts, 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 Vanguard UK 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 Vanguard UK Investor offers traders access to SIPP and ISA accounts.

Do XTB and Vanguard UK 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 Vanguard UK Investor offer crypto investing.

Which broker offers a better website experience?

Our testing concluded that the website of XTB is better than the website of Vanguard UK Investor. XTB 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 Vanguard UK 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 Vanguard UK 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 Vanguard UK Investor offers access to Client Webinars (Archived), Education (Funds) and Education (Retirement).

Overall winner: XTB

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