CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% 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.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% 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.

Earn up to 4.9% interest on GBP on your uninvested funds

We pay interest while you wait for the perfect investment opportunity.

Currently the following rates apply

AUMGBPEURUSD
30K+4.9%3.8%5%
<30K2.5%2.0%2.5%

Apply from 26.02.2024

Please note that these interest rates are subject to change and will be valid until further notice.

For historical rates click here.

FAQ

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 23.00 GMT.
Interests are paid to your account in 5 working days from the end of the calendar month.
Your free funds will start earning interest from 6th November 2023. However, XTB UK is offering a tiered interest rate structure that varies depending on the amount of assets under management. Clients with assets exceeding £30,000 will benefit from an interest rate of 4.9% per annum for GBP deposits, 3.8% for EUR deposits, and 5% per annum for USD deposits. Meanwhile, clients with assets under management totaling less than £30,000 will receive a current interest rate of 2.5% per annum for GBP deposits, 2% for EUR deposits, and 2.5% per annum for USD deposits. Please note that these interest rates are subject to change and will be valid until further notice.
No, there is no minimum or maximum amount of free funds required.
Depending on whether you are a natural person or a legal entity, tax resident or not, the tax regulations applicable in your country may impose different rules with regard to taxation of interest. In most cases the amount of interest may be subject to flat income tax withheld and remitted to appropriate tax authority by XTB S.A. (directly or through its foreign Branches) at the rates in effect at the time the interest is transferred to your trading account in accordance with applicable laws. In your monthly statement, you will be able to check the amount of tax deducted. If you are not a tax resident in [country of relevant XTB Branch] you are also obliged to verify tax regulations binding in your tax residence country as they may impose on you additional tax obligations.
The offer is applicable to all clients, new and existing.
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