XTB's savings plan offering covers individual stocks as well as ETFs — not just exchange-traded funds — meeting the growing demand for hands-off, recurring stock investing. Investors can set up an automated savings plan on a single share, an ETF, or a mix of both.
The headline number: XTB offers 3,469 stocks eligible for savings plans, on top of its lineup of ETFs, ETNs, and ETCs. That makes automated, recurring investing available across a large slice of the global equity market — not just fund-based products.
The fee structure is one of the most competitive parts of the offering, and it applies uniformly across every eligible stock, ETF, ETN, and ETC:
For the vast majority of retail investors — who rarely approach a six-figure monthly savings rate — this effectively means commission-free automated investing. The cost only becomes a factor at volumes far beyond typical private savings plans.
Alongside individual stocks, XTB offers pre-built savings plan templates. Rather than researching and assembling a portfolio from scratch, investors can pick a ready-made plan aligned with a theme or goal — particularly useful for beginners who want a starting point rather than a blank page.
Examples of the predefined plans include:
Several additional templates are available, and the platform offers a streamlined, intuitive setup process.
Automated savings plans are the mechanism behind dollar-cost averaging — investing a fixed amount at regular intervals regardless of price. Instead of trying to time the market, you buy consistently, smoothing out your average entry price over time and removing the emotional guesswork that trips up most investors.
Adding individual stocks to that model matters. With savings plans no longer confined to diversified funds, the same automated, low-cost approach can be applied to specific companies — whether that's a single conviction holding or a self-built basket of names — while still keeping the discipline of recurring, scheduled buying.
Getting started is straightforward, and the interface is designed to make setup quick even for first-time investors:
Because XTB offers real stocks and ETFs in its savings plans (not derivatives), you own the underlying assets directly, with commission-free investing up to the volume threshold noted above.
