The XTB Investment Plans redesign is now live in Germany and Spain, with Czechia, Hungary and Slovakia set to follow within days, as the Polish broker pushes deeper into the European retail savings market dominated by neobrokers such as Trade Republic.
The updated product lets clients build recurring, automated portfolios from a mix of individual stocks and exchange-traded funds (ETFs) inside a single plan. Previously, XTB’s Investment Plans were built around ETFs alone. The change matters because it gives retail savers one account to run a regular stock purchase alongside their index-fund contributions, rather than managing both separately.
XTB is also adding prebuilt plans organised by sector or risk profile, aimed at beginners who prefer not to construct a portfolio from scratch. The broker said more than 80% of its new clients start with stocks, ETFs and Investment Plans rather than leveraged products, which makes this the segment where the growth battle is now being fought.
What the XTB Investment Plans Redesign Actually Changes
The redesign was flagged in March, when XTB reported record revenue alongside a 25% drop in net profit. The company described it then as a planned 2026 launch, and the rollout to five markets within weeks of that announcement shows the timeline held.
The product changes land against a backdrop of strong underlying growth. XTB reported record first-quarter 2026 operating revenues of PLN 1,094.0 million (approximately $301 million), an 88.5% year-on-year increase, with active clients up 72.4% year-on-year, according to FX News Group.
The full-year 2025 picture is similarly clear. XTB added over 864,000 new clients across the year, a 73.4% year-on-year increase, pushing total clients above 2.16 million, according to LiquidityFinder citing XTB’s preliminary results.
The company’s own preliminary results filing shows the shift in revenue mix that explains why the Investment Plans redesign matters strategically. The gross result from shares and ETFs reached PLN 78,310 thousand in full-year 2025, up from PLN 30,654 thousand in 2024, according to XTB’s investor relations filing. That is a segment more than doubling in one year; revenues from trading stocks and ETP funds exceeded EUR 18 million in full-year 2025, a rise of over 155% year-on-year. Building recurring plans around that growth engine is a logical next move.
XTB Takes on Trade Republic in Its Own Backyard
Recurring savings plans are not a new concept in European retail investing. Trade Republic, based in Berlin, built a customer base now above 10 million on the back of its Sparpläne savings plans. Munich’s Scalable Capital runs its own plan feature inside a €2.99-a-month premium subscription. XTB is matching a well-established format rather than inventing one.
Trade Republic spent the past year extending its own range, adding bond ETFs in October 2025, and entered Poland in September 2025, XTB’s home market. XTB has countered by saying it intends to spend more on marketing in Germany this year than in Poland. Launching the XTB Investment Plans redesign first in Germany, Trade Republic’s base, is consistent with that stated priority.
Where XTB frames its edge is the combination of single stocks and ETFs inside one recurring plan, plus the prebuilt sector and risk baskets. Whether that differentiates meaningfully from Sparpläne at scale is a question the German market will answer over the coming months.
Extended Hours and Retirement Accounts Added Alongside
The plans refresh is not the only update. XTB has extended trading hours to 07:30–22:00 across close to 1,000 European stocks and ETFs, building on an earlier extension that covered 745 ETFs for Polish clients. US names are due to follow in the coming months. Management board member Filip Kaczmarzyk said access to funds ‘is one of the things clients value most,’ citing that as the driver for the change.
XTB also moved its IKE and IKZE tax-advantaged retirement accounts (Polish pension wrappers that work similarly in purpose to a UK SIPP or ISA) onto its web platform, after previously restricting them to the mobile app. The retirement accounts have contributed to XTB’s lead in Poland’s new-account race, even as the rate of new openings moderates.
The five-market rollout of the redesigned Investment Plans, the extended trading window, and broader web access to retirement wrappers together suggest XTB is trying to move the conversation in Europe away from leveraged trading and toward everyday savings. The question is whether it can do that fast enough in Germany before Trade Republic cements its position there further.
