Earn up to 4.9% interest on your uninvested funds

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

Open Account

Currently the following rates apply

AUM GBP EUR USD
30K+

4.9%

3.8%

5%

<30K

2.5%

2.0%

2.5%

Apply from 04.12.2023

 

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

 

For historical rates click here.

Frequently Asked 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. 

XTB will pay clients their gross amount.

However, please note it is your responsibility to pay Capital Gains Tax. 

Please visit or contact HM Revenue & Customs (HMRC) to ensure you have the most accurate and up-to-date information. 

The offer is applicable to all clients, new and existing. 

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 XTB Limited. 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 XTB Limited. 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 XTB Limited. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.