Jan Watermann

speaker

2,178 appearances 14 recordings 1 series first heard May 2026 last heard 12 Aug

Jan Watermann’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 14 in all, peaking in Jul 2026 with 6.

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Banking Without Borders · Stocks & Shares ISAs: XTB vs Trading 212 vs IG vs eToro · 22 Jul 2026 podcast

I think overall, Johnny, XTB is by far the best option, in my opinion.

Although I must say.

It it's probably depends on preference.

If you say let's say you're investing into US stocks on a regular basis and this if X conversion fee is very important for you, then trading two on two is has a slight edge over XTB.

They do charge 0.35% less.

But XTB, on the other hand, they provide better interest rates on idle cash.

Plus they also offer an excellent cash ISO of four percent, also worth mentioning.

Here, and that's uh yeah, slightly better than trading two on two.

Both of these providers great options and probably comes down to preference.

So let's look at two providers that are not as good in terms of fees and um probably not recommendable in our opinion.

Let's start with St.

James's Place, which offer an advice slat ISA.

You get a human advisor, but that's gonna cost you quite a lot, in fact.

Up to 2% every single year in running fees.

And then there's an entry slash setup fee, which depends on how much you want to invest with them.

3% on your first two.

250k, 2% on the next 250k, and 1% above 500k.

Not saying this is definitely worse than these other options, it's just a different product.

And I think for most people looking to you know invest as diversified as possible, as consistent as possible, it's probably unnecessary, but it's just my own opinion.

Hagaris Landsdown is also a legacy provider.

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