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XTB vs Vanguard UK Investor 2026

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

XTB vs Vanguard UK Investor: for UK investors comparing investment choice, XTB offers share dealing plus ETFs and CFD trading, while Vanguard UK Investor does not offer share dealing or CFDs but does provide access to ETFs and funds. Neither platform supports crypto.

Both platforms lack trading in corporate bonds, government bonds (gilts), and investment trusts. Vanguard offers adviser services; XTB does not. According to UK.StockBrokers.com, XTB is rated 4.5/5 for investment choices and ranks 12th of 21 brokers, while Vanguard UK Investor is rated 3.5/5 and ranks 16th. In short, choose XTB for share dealing and CFDs, or Vanguard for funds and optional advice.

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 No No
Crypto Trading info No No
Advisor Services info No Yes
Investment Choices 4.5/5 Stars 3.5/5 Stars

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Trading Tools

For UK investors comparing trading tools, XTB delivers far more charting and analysis features than Vanguard UK Investor. XTB lets you display corporate events on charts and includes 4 drawing tools, 13 technical indicators, and options to add notes. You can also overlay indices and individual stocks on XTB charts. By contrast, Vanguard UK Investor does not offer these charting features. Both brokers provide a browser-based trading platform.

When it comes to data and alerts, XTB offers real-time market data, while Vanguard UK Investor does not. Neither broker supports price alerts for stock moves. If you want deeper in-platform chart analysis, XTB is the stronger pick; if you don’t need advanced charting, Vanguard UK Investor may still suit a simpler, buy-and-hold approach.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Web Platform info Yes Yes
Stock Alerts info No No
Charting - Indicators / Studies info 13 0
Charting - Drawing Tools info 4 0
Charting - Notes info Yes No
Charting - Display Corporate Events info Yes No
Charting - Stock Overlays info Yes No
Charting - Index Overlays info Yes 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

For UK investors comparing mobile apps, both XTB and Vanguard UK Investor offer iPhone and Android apps, but XTB scores higher: UK.StockBrokers.com rates XTB’s app 4.5 stars versus Vanguard UK Investor’s 3.5 stars, with XTB ranked 9th out of 21 brokers for Mobile Apps and Vanguard UK Investor ranked 16th. If app quality matters most, XTB edges ahead, while Vanguard UK Investor still provides apps on both platforms.

Dive deeper: Best Stock Trading Apps UK.

Beginners and Education

For UK beginner investors comparing XTB vs Vanguard UK Investor on education, neither offers client webinars or on-demand archives. XTB focuses on share trading education, while Vanguard UK Investor covers funds and retirement instead. According to UK.StockBrokers.com, XTB scores higher for beginner education (4.5/5, ranked 8th of 21) than Vanguard UK Investor (3.5/5, ranked 14th of 21). If you want help learning to trade shares, XTB fits better; if you prefer guidance on funds and retirement, Vanguard UK Investor has the edge.

Feature XTB logoXTB
Vanguard UK Investor logoVanguard UK Investor
Client Webinars info No No
Client Webinars (Archived) info No No
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

For UK investors comparing market research features, XTB delivers shares research and ETF research, but it does not provide fund research, research reports for funds, bond research, or tools to view portfolio allocation by asset class. Vanguard UK Investor offers ETF and fund research, includes research reports for funds, and lets you see your portfolio allocation by asset class, but it lacks shares and bond research. Both brokers do not offer bond research; both support ETF research. Choose XTB if you prioritise shares analysis, and Vanguard UK Investor if you want fund-focused research and a clear view of your asset mix.

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 No 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 is a low-cost investing platform best known for its commission-free stock and ETF trading, free ISA, and strong educational content for newer investors.

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 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 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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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 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 5/5 Stars
Education 4.5/5 Stars 3.5/5 Stars
Review XTB Review Vanguard UK Investor Review
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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 No No
Crypto Trading info
Advisor Services info No Yes
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 N/A £48 - £375
Annual Platform Fee (Funds): £250K-£500K info N/A £375
Annual Platform Fee (Funds): £500,000 - £1m info N/A £375
Annual Platform Fee (Funds): £1m and over info N/A £375
Bonds - Corporate - Fee info N/A N/A
Bonds - Government (Gilts) - Fee info N/A N/A
ETFs - Fee info £0 £0
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)
Home page of the XTB xStation 5 web app. A trade ticket for purchasing Tesla on the xStation 5 web app. An example commission cost for purchasing £350,000 worth of shares on the xStation 5 web app. Full view of the trade ticket pop-up dialog on the xStation 5 web app. Viewing a ESG rating chart for Persimmon stock on the xStation 5 web app. XTB UK xStation5 platform share trading news headlines. XTB UK xStation5 platform share trading charts. XTB UK xStation5 platform share trading ticket window. XTB UK xStation5 platform share trading markets. XTB UK xStation5 platform sentiment. XTB UK xStation5 platform share trading economic calendar. XTB UK xStation5 platform share trading heat map. XTB UK xStation5 dividend calendar. XTB UK client dashboard portal messages.
Vanguard Investor UK homepage website. The fees page of the Vanguard website. Vanguard research portfolio valuation. Vanguard pension calculator. Vanguard LifeStrategy funds x5. Vanguard research global small cap index fund performance.
Mobile Trading Apps Gallery (click to expand)
Home tab of the XTB mobile app. Viewing the stock chart of Tesla shares on the XTB mobile app. Viewing the Tesla stock chart and trade ticket in the XTB mobile app. Purchasing Tesla stock and viewing the trade ticket costs on the XTB mobile app. Viewing key financial information about Tesla shares on the XTB mobile app. The Discover tab on the XTB mobile app.
Vanguard website mobile view pension. Vanguard website mobile home. Vanguard website mobile buy funds. Vanguard website mobile view buy two funds. Vanguard website mobile view funds cost breakdown.
Education Gallery (click to expand)
Education tab on the XTB mobile app. XTB education. XTB UK xStation5 platform share trading educational video detail. XTB UK share trading research videos YouTube playlist detail. XTB UK share trading educational videos YouTube playlist.
The Learning Page on the Vanguard website.
Platforms & Tools XTB Vanguard UK Investor
Web Platform info Yes Yes
iPhone App info Yes Yes
Android App info Yes Yes
Stock Alerts info No No
Charting - Indicators / Studies info 13 0
Charting - Drawing Tools info 4 0
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
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 No 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 No
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 4.5/5 Stars 4/5 Stars
Ease of Use 4/5 Stars 5/5 Stars
Education 4.5/5 Stars 3.5/5 Stars
Review XTB Review Vanguard UK Investor Review
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