Earn interests on your uninvested funds

We pay interest while you wait for the investment opportunity that suits you

Currently the following rates apply

CurrencyFirst 90 days from account opening (annually)After 90 days period from account opening (annually)
EUR4,20%2,00%

Apply from 27.05.2024

For historical rates click here.

Frequently Asked Questions

Do you have more questions?

XTB pays interest on uninvested funds held on the account. Interest rate is calculated daily and paid out monthly within five days of the following month. No action is required, as the interest rate is activated automatically for all clients with uninvested cash balance. There is no minimum or maximum amount of free funds required.
The rates are variable and can be changed once a week.
Interests are accrued on daily basis at 00.00 (CET)
Interests are paid to your account in 5 working days from the end of the calendar month.
We do not require you to take any action - the interest on the investor's free funds is activated automatically for all customers with uninvested funds in the account. There is also no minimum or maximum amount of free funds required.
No, there is no minimum or maximum amount of free funds required.
XTB Limited may withhold tax where it is relevant to do so. However, clients are obliged to check the tax regulations applicable in the country of their residence and pay relevant tax liability risen from interest earned
The terms of the offer vary depending on the client's experience with XTB. The table above shows two different interest rates for a given currency. The second column concerns all clients who concluded an agreement with XTB for the first time during the last 90 days. The third column applies to all clients who have been XTB clients for longer than 90 days.
Xtb logo

Join over 1 000 000 XTB Group Clients from around the world.

We use cookies

By clicking “Accept All”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts.

This group contains cookies that are necessary for our websites to work. They take part in functionalities like language preferences, traffic distribution or keeping user session. They cannot be disabled.

Cookie name
Description
SERVERID
userBranchSymbol cc 2 March 2024
adobe_unique_id cc 1 March 2025
__hssc cc 8 September 2022
SESSID cc 2 March 2024
__cf_bm cc 8 September 2022
intercom-id-iojaybix cc 26 November 2024
intercom-session-iojaybix cc 8 March 2024

We use tools that let us analyze the usage of our page. Such data lets us improve the user experience of our web service.

Cookie name
Description
__hstc cc 7 March 2023
__hssrc

This group of cookies is used to show you ads of topics that you are interested in. It also lets us monitor our marketing activities, it helps to measure the performance of our ads.

Cookie name
Description
hubspotutk cc 7 March 2023

Cookies from this group store your preferences you gave while using the site, so that they will already be here when you visit the page after some time.

Cookie name
Description

This page uses cookies. Cookies are files stored in your browser and are used by most websites to help personalise your web experience. For more information see our Privacy Policy You can manage cookies by clicking "Settings". If you agree to our use of cookies, click "Accept all".

Change region and language
Country of residence
Language