XTB has started rolling out a redesigned version of its Investment Plans product across several European markets, adding the option to build recurring portfolios from both individual stocks and exchange Exchange An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv Read this Term-traded funds.

The broker said the updated product is already available in Germany and Spain, with Czechia, Hungary and Slovakia due to follow this week.

The overhaul is not a surprise. XTB flagged a rebuilt Investment Plans product among its planned 2026 launches back in March, when it reported record revenue but a 25% drop in net profit.

The company frames the redesign as another step toward becoming a default investing app for European retail clients.

Stocks Join ETFs in Savings-Plan Overhaul

Until now, XTB's Investment Plans let clients set up automated, recurring purchases built around ETFs. The updated version lets users combine ETFs and single stocks inside the same plan, which the company said gives investors more room to shape their own portfolios.

XTB is also adding ready-made plans that clients can pick by sector or risk profile, a feature it said targets beginners who do not want to build a portfolio from scratch.

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The broker said more than 80% of its new clients start with stocks, ETFs and Investment Plans rather than leveraged products, the segment the redesign is built for.

XTB Pushes Into German Neobrokers' Home Turf

Recurring-investment plans are not new to European retail investing. They sit at the core of the business at Berlin's Trade Republic, whose Sparpläne helped build a customer base now above 10 million, and at Munich's Scalable Capital, which charges a €2.99 monthly subscription for its premium tier.

XTB is matching a familiar product here rather than breaking fresh ground, even as it describes the launch as setting a new standard for Poland's investment industry.

Trade Republic has spent the past year widening its own range, adding bond ETFs in October 2025 on top of its stock and ETF savings plans, and it walked into Poland in September 2025, XTB's home market. The competitive lines now run in both directions.

XTB, for its part, has said it will spend more on marketing in Germany this year than in Poland, Trade Republic's base. Shipping a redesigned savings-plan product into Germany and Spain, then central Europe, fits that push.

Where XTB is trying to stand apart is the mix of single stocks with ETFs in one recurring plan, alongside the prebuilt sector and risk baskets.

Trading Hours and Retirement Accounts Round Out the Update

Alongside the Plans refresh, XTB returned to trading hours. Finance Magnates reported in June that XTB extended its window to 07:30-22:00 on 745 ETFs for Polish clients.

The company now says the longer hours reach close to 1,000 European stocks and ETFs, with US names to be added in the coming months.

XTB management board member Filip Kaczmarzyk said access to funds "is one of the things clients value most," describing the reason for the change.

The broker also made its IKE and IKZE retirement accounts available on its web platform, after previously offering them only through the mobile app.

The tax-advantaged accounts have been a growth engine at home, helping XTB stay ahead in Poland's account race even as the pace cools.