XTB Rolls Out Redesigned Investment Plans Across Europe

XTB rolls out redesigned Investment Plans across Europe, adding individual stocks alongside ETFs in recurring portfolio savings plans.

Key Points:

• XTB has launched a redesigned Investment Plans product in Germany and Spain, with Czechia, Hungary, and Slovakia to follow, now allowing users to combine individual stocks and ETFs in a single recurring portfolio.
• The update also extends trading hours to nearly 1,000 European stocks and ETFs and makes IKE and IKZE retirement accounts available on the web platform for the first time.

XTB Rolls Out Redesigned Investment Plans Across Europe

XTB has begun rolling out a redesigned version of its Investment Plans product across several European markets, introducing the ability to build recurring portfolios from both individual stocks and exchange-traded funds within a single plan. The broker confirmed the updated product is already live in Germany and Spain, with Czechia, Hungary, and Slovakia set to receive access within the same week.

The overhaul was not unexpected. XTB had flagged a rebuilt Investment Plans product as part of its planned 2026 launches in March, when it reported record revenue alongside a 25% drop in net profit. The company describes the redesign as a further step toward establishing itself as the default investing app for European retail clients.

Stocks Join ETFs Inside the Same Recurring Plan

Until now, XTB‘s Investment Plans allowed clients to set up automated, recurring purchases built exclusively around ETFs. The updated version removes that restriction, enabling users to combine ETFs and single stocks inside the same plan. According to XTB, the change gives investors considerably more flexibility to shape portfolios that reflect their individual preferences rather than working within a predefined structure.

The broker is also introducing ready-made plans that clients can select by sector or risk profile. XTB said this feature specifically targets beginner investors who prefer not to construct a portfolio from scratch, lowering the barrier to entry for newer users entering the platform. The timing of the product launch aligns with a broader shift in XTB‘s client base: the broker noted that more than 80% of its new clients now start with stocks, ETFs, and Investment Plans rather than leveraged products.

XTB Steps Into German Neobrokers’ Territory

Recurring investment plans are well-established in European retail investing and sit at the core of the business models of two of XTB‘s most direct rivals in the region. Berlin-based Trade Republic built a customer base now exceeding 10 million users on the back of its Sparpläne savings plan product, while Munich’s Scalable Capital charges a monthly subscription for its premium investing tier. XTB is matching a familiar format here rather than introducing something entirely new, even as it frames the launch as setting a new standard for the investment industry.

The competitive dynamic between XTB and Trade Republic has sharpened considerably. Trade Republic expanded its own product range by adding bond ETFs in October 2025 and entered Poland in September 2025, XTB‘s home market. XTB, in turn, has publicly committed to spending more on marketing in Germany this year than in its home country of Poland. Launching a redesigned savings plan product into Germany and Spain first fits squarely within that strategy. Where XTB is attempting to differentiate itself is the combination of single stocks and ETFs in one recurring plan, alongside the prebuilt sector and risk-based baskets.

Extended Trading Hours and Retirement Accounts Complete the Update

Alongside the Investment Plans overhaul, XTB has expanded its trading hours. The broker previously extended its trading window to 07:30 to 22:00 for 745 ETFs available to Polish clients. That extended window now covers close to 1,000 European stocks and ETFs, with U.S. names expected to follow in the coming months.

XTB management board member Filip Kaczmarzyk pointed to client demand as the driver behind the change, noting that access to funds ranks among the things clients value most on the platform.

The broker also made its IKE and IKZE tax-advantaged retirement accounts available through its web platform for the first time, having previously offered them exclusively through the mobile app. Both account types have served as a meaningful growth engine in Poland, contributing to XTB‘s sustained lead in the country’s account race even as the overall pace of new account openings has begun to cool.

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