XTB Flexible Savings Account: XTB Tagesgeld + Depot Review 2026
In a nutshell:
- The “XTB Tagesgeld + Depot” is a flexible savings account offered by XTB.
- It pays a top interest rate of 2.3% annually.
- Savings are protected under the national deposit insurance scheme of Germany and other countries.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by XTB.
XTB
XTB Tagesgeld + Depot
2.30%
annual percentage yield
How much interest does the XTB XTB Tagesgeld + Depot pay?
XTB offers the flexible savings account "XTB Tagesgeld + Depot" with monthly interest payouts. The promotional interest rate of 2.3% is valid for 3 months. This interest is applicable for account balances of at most 100,000 euros. The regular interest rate is 0.9%.
Who is behind XTB?
XTB is an international financial services provider specialising in online trading and investment solutions. Founded in 2002, the company is headquartered in Warsaw, Poland, and maintains subsidiaries in 13 countries worldwide. XTB employs around 1,000 staff members and serves around 1.5 million clients globally. In addition to its core brokerage services, XTB offers interest-bearing cash solutions that allow clients to earn interest on uninvested funds held in their accounts.
How safe is my money with XTB?
Deposit protection with XTB is dependent on the type of investment. Funds held on savings accounts are deposited on accounts of the XTB partner banks. For EU-based clients, cash balances are generally safeguarded under statutory protection mechanisms that cover eligible deposits up to 100,000 euros in accordance with EU regulations. JP Morgan SE, Frankfurt am Main, is one of the partner banks and participates in the German national deposit insurance scheme, "Entschädigungseinrichtung deutscher Banken".
How can I manage the XTB Tagesgeld + Depot account?
The XTB Tagesgeld + Depot is managed through the company’s web-based trading platform and mobile app for iOS and Android. All non-invested funds on your clearing account are automatically paid interest.
The digital interfaces allow users to monitor cash balances, view accrued interest, perform other investments, and manage transfers. Customer support is available via phone, email, and live chat. The German branch's primary language is German; XTB generally supports a wide variety of languages. The online application is delivered in 16 languages.
How can I open the XTB XTB Tagesgeld + Depot?
To access the "XTB Tagesgeld + Depot" at XTB, customers must first open an XTB investment account via the online application process. Applicants need to be at least 18 years old and reside in a supported country. Except for a few exceptions, XTB is available to residents worldwide. However, the conditions and accounts may differ. The "XTB Tagesgeld + Depot" offer is available exclusively to German clients for non-invested funds. A reference current account with a SEPA-compatible IBAN is typically required for funding and withdrawals.
As part of XTB flexible savings account onboarding, identity verification is completed digitally using your smartphone camera to capture photos of your ID and yourself. There are also fallback options if the process fails (e.g., video identification, in-person identification at a post office, your home bank, or a lawyer).
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