How do interest rates work?

Written by Sergiusz Baprawski

Updated: 2026-04-29 14:13:40

XTB pays clients interest on uninvested funds in their accounts. The interest rate used to determine the amount of interest is calculated daily, and interest is paid periodically, within five business days of the following month.

No action is required on your part: the interest rate on available funds is automatically activated for all clients who have uninvested funds in their accounts. There is no minimum or maximum amount of available funds required.

Inactive clients are not eligible for interest on Free Margin held in their Trading
Accounts.

🚩Interest on available funds is credited to trading accounts.

If you still need help with your question,

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How do interest rates work?

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