CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. Options are complex financial instruments and come with a high risk of losing the entire premium. Crypto assets are highly volatile and carry substantial risk.

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How do interest rates work?

Written by Sergiusz Baprawski

Updated: 2026-07-07 11:32:19

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 – interest on an investor's uninvested funds is activated automatically for all clients holding uninvested cash in their accounts. There is also no minimum or maximum amount of free 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.

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How can we help you?

How do interest rates work?

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