How do interest rates work?

Written by Eleana Ntagia

Updated: 2026-07-01 12:01:47

XTB pays clients interest on the uninvested funds held in their trading accounts. The interest rate used to determine the interest amount is calculated daily, and the interest itself is paid cyclically, within the first 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.

🚩 Interest on uninvested funds is available on trading accounts as well as on ISA accounts.

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If you still need help with your question,

The financial instruments we offer, especially CFDs, can be highly risky. Please consider if you understand the risks and can afford the loss of capital. XTB is regulated by the CMA

The financial instruments we offer, especially CFDs, can be highly risky. Please consider if you understand the risks and can afford the loss of capital. XTB is regulated by the CMA

The financial instruments we offer are risky. XTB is regulated by the CMA.