UCITS Equivalent of XLF
XLF, State Street Financial Select Sector SPDR ETF, has no exact UCITS twin. The closest is ZPDF (State Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc), ISIN IE00BWBXM500): it tracks the S&P Financials Select Sector Daily Capped 35/20 and costs 0.15% a year against 0.08% for XLF. Data as of November 8, 2026.
In the EU, the closest to XLF is ZPDF
US · not sold in the EUXLFState Street Financial Select Sector SPDR ETF
- Index
- Financial Select Sector
- Fee
- 0.08%
- Companies
- 76
- Dividends
- Paid out
- Based in
- United States
- Trades in
- USD
UCITS · EUZPDFState Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc)
- Index
- S&P Financials Select Sector Daily Capped 35/20 (differs from the US fund)
- Fee
- 0.15% (differs from the US fund)
- Companies
- 76
- Dividends
- Reinvested (differs from the US fund)
- Based in
- Ireland (differs from the US fund)
- Trades in
- EUR · Xetra (differs from the US fund)
- Top 10 shared
- 10 of 10
- QDVH0.15%iShares S&P 500 Financials Sector UCITS ETF USD (Acc)
Know what to buy every month.
Other US ETFs in the EU
- UCITS equivalent of VOO: VOOSPYL0.03%
- UCITS equivalent of QQQ: QQQXNAS0.20%
- UCITS equivalent of VT: VTVGLA0.07%
- UCITS equivalent of VTI: VTIXD9U0.03%
- UCITS equivalent of VXUS: VXUSUCITS VXUS0.12%
- UCITS equivalent of SCHD: SCHDFUSA0.25%
- UCITS equivalent of VGT: VGTQDVE0.15%
- UCITS equivalent of VUG: VUGR1GR0.18%
- UCITS equivalent of SMH: SMHVVSM0.35%
- UCITS equivalent of JEPI: JEPIJEIA0.35%
- UCITS equivalent of VEA: VEAEXUS0.15%
- UCITS equivalent of VWO: VWOVFEA0.17%
- UCITS equivalent of VGK: VGKVWCG0.10%
- UCITS equivalent of IWM: IWMZPRR0.30%
- UCITS equivalent of AGG: AGGIUAA0.25%
- UCITS equivalent of BND: BNDIUAA0.25%
- UCITS equivalent of SPMO: SPMOQDVA0.20%
- UCITS equivalent of AVUV: AVUVZPRV0.30%
- UCITS equivalent of URTH: URTHXDWD0.12%
- UCITS equivalent of ACWI: ACWISPYY0.12%
- UCITS equivalent of EEM: EEMXMME0.18%
- UCITS equivalent of IEMG: IEMGIS3N0.18%
- UCITS equivalent of RSP: RSPXDEW0.15%
- UCITS equivalent of IJH: IJHSPY40.30%
- UCITS equivalent of IJR: IJRIUS30.30%
- UCITS equivalent of DIA: DIASXRU0.33%
- UCITS equivalent of SDY: SDYSPYD0.35%
- UCITS equivalent of XLK: XLKZPDT0.15%
- UCITS equivalent of XLV: XLVZPDH0.15%
- UCITS equivalent of XLE: XLEZPDE0.15%
- UCITS equivalent of EWJ: EWJXMJP0.12%
- UCITS equivalent of INDA: INDANDIA0.65%
- UCITS equivalent of JEPQ: JEPQJEQA0.35%
- UCITS equivalent of TLT: TLTDTLA0.07%
- UCITS equivalent of IEF: IEFIUSM0.07%
- UCITS equivalent of SHY: SHYIBTA0.07%
- UCITS equivalent of LQD: LQDLQDA0.20%
- UCITS equivalent of HYG: HYGIHYA0.50%
- UCITS equivalent of TIP: TIPIUST0.10%
XLF and ZPDF side by side
XLFState Street Financial Select Sector SPDR ETF
- Index
- Financial Select Sector
- Fee a year
- 0.08%
- Holdings
- 76 (Nov 10, 2026)
- Dividends
- Paid out quarterly
- Domicile
- United States
- Replication
- Not in our data
- Fund size
- Not in our data
- Listings
- NYSE Arca: XLF in USD
- ISIN
- US81369Y6059
ZPDFState Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc)
- Index
- S&P Financials Select Sector Daily Capped 35/20
- Fee a year
- 0.15%
- Holdings
- 76 (Nov 10, 2026)
- Dividends
- Reinvested
- Domicile
- Ireland
- Replication
- Physical, every holding
- Fund size
- €659M (Nov 10, 2026)
- Listings
- Xetra: ZPDF in EUR; London: SXLF in USD and GXLF in GBP
- ISIN
- IE00BWBXM500
| Fund | XLFState Street Financial Select Sector SPDR ETF | ZPDFState Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc) |
|---|---|---|
| Index | Financial Select Sector | S&P Financials Select Sector Daily Capped 35/20 |
| Fee a year | 0.08% | 0.15% |
| Holdings | 76 (Nov 10, 2026) | 76 (Nov 10, 2026) |
| Dividends | Paid out quarterly | Reinvested |
| Domicile | United States | Ireland |
| Replication | Not in our data | Physical, every holding |
| Fund size | Not in our data | €659M (Nov 10, 2026) |
| Listings | NYSE Arca: XLF in USD | Xetra: ZPDF in EUR; London: SXLF in USD and GXLF in GBP |
| ISIN | US81369Y6059 | IE00BWBXM500 |
Is ZPDF the same as XLF?
Not exactly: ZPDF is the closest UCITS fund to XLF, not a copy of it. Top 10 holdings in common: 10 of 10 (100% of XLF's top-10 weight). ZPDF tracks the S&P Financials Select Sector Daily Capped 35/20, a version of the same Select Sector index that caps the weight of its largest companies every day, as EU fund rules require. ZPDF holds 76 companies, XLF 76.
Compare any two funds in the ETF overlap calculator, or see what your whole portfolio costs a year.
Is ZPDF accumulating or distributing?
ZPDF is accumulating: it reinvests the dividends inside the fund. There is no distributing class.
Where is ZPDF domiciled?
ZPDF is domiciled in Ireland, under the EU's UCITS rules for funds. Most UCITS ETFs are domiciled in Ireland or Luxembourg. What Irish domicile means for US dividends.
Why can't I buy XLF in the EU?
XLF is a US fund that publishes no KID, the key information document EU rules require for every fund sold to retail investors, so EU brokers cannot offer it to you. The full answer.
How do I buy ZPDF?
Search ZPDF or its ISIN IE00BWBXM500 at your broker. It trades on Xetra in euros as ZPDF. In London it trades as SXLF in USD and GXLF in GBP.
Where the data comes from
Source: State Street (SPDR) documents, as of November 8, 2026: XLF, ZPDF.
The top-10 overlap compares the ten largest holdings of XLF and of ZPDF, as our portfolio analysis reads them: how many names they share, and how much of XLF's top-10 weight those names make up.
How we choose the twin: the closest index first, then the lowest fee among the funds of the issuers we checked: iShares, Xtrackers, SPDR, Vanguard, Invesco and J.P. Morgan, plus the issuers of the other funds on this page.
Data as of November 8, 2026.
Frequently asked questions
Is ZPDF cheaper than XLF?
No: ZPDF costs 0.15% a year against 0.08% for XLF. On €10,000, ZPDF costs €15 a year, €7 more than XLF.
How many companies does ZPDF hold?
76 (Nov 10, 2026), against 76 in XLF (Nov 10, 2026).
How big is ZPDF?
€659M across its share classes (Nov 10, 2026).
What are the alternatives to ZPDF?
On the same or a nearby index: QDVH (iShares S&P 500 Financials Sector UCITS ETF USD (Acc)) at 0.15%.
Not investment advice
This page compares published fund facts: indexes, fees, holdings and listings. It does not tell you what to buy or sell. Read the fund's KID and check with your broker before you invest; taxes depend on where you live.
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