--- title: INTEREST RATES description: Earn up to 4.25% interest on GBP on your uninvested funds. We pay interest while you wait for the perfect investment opportunity. --- CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. **74% 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. **74% 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. **74% 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. Menu ![United Kingdom](https://en.xtb.com/hs-fs/hubfs/blank-flag.png?width=31&height=21&name=blank-flag.png) ![XTB Online Trading](https://en.xtb.com/hubfs/Images/logo/logo_xtb_black.svg) - ![United Kingdom](https://en.xtb.com/hs-fs/hubfs/blank-flag.png?width=31&height=21&name=blank-flag.png) - LOGIN - Login × # Earn 4% interest on your GBP uninvested funds ### No balance limits ![UK\_KV\_LP\_desktop\_Interest\_rates\_subway\_2025\_850x884\_2 (2)](https://en.xtb.com/hs-fs/hubfs/UK_KV_LP_desktop_Interest_rates_subway_2025_850x884_2%20(2).png?width=850&height=884&name=UK_KV_LP_desktop_Interest_rates_subway_2025_850x884_2%20(2).png) At XTB, we’re always looking to enhance your trading experience. This means your uninvested funds can work harder for you while you wait for the perfect investment opportunity. No need to take any additional action. Any uninvested GBP in your XTB account will automatically start accruing interest.   [![Open Account](https://no-cache.hubspot.com/cta/default/479631/bf578a9f-a58d-42d0-a0fa-508528391af7.png)](https://cta-redirect.hubspot.com/cta/redirect/479631/bf578a9f-a58d-42d0-a0fa-508528391af7) ![UK\_KV\_LP\_desktop\_Interest\_rates\_subway\_2025\_850x884\_2 (2)](https://en.xtb.com/hs-fs/hubfs/UK_KV_LP_desktop_Interest_rates_subway_2025_850x884_2%20(2).png?width=850&height=884&name=UK_KV_LP_desktop_Interest_rates_subway_2025_850x884_2%20(2).png) × ### Open Demo #### Currently the following rates apply | AUM | GBP | **EUR** | **USD** | | --- | --- | --- | --- | | **30K+** | 4% | 2.3% | 3.45% | | **\<30K** | 4% | 2.3% | 3.45% | Apply from 05.01.2026   Please note that these interest rates are subject to change and will be valid until further notice.    For historical rates [click here](https://www.xtb.com/en/interest/historical-rates). Frequently Asked Questions How does it work? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) 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. Are rates fixed or variable? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) The rates are variable and can be changed once a week. When interest are accrued? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) Interest is accrued on daily basis at 23.00 GMT.  How often does interest get credited to my account? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) Interest is paid to your account in 5 working days from the end of the calendar month. What do I need to do to earn interest on my free funds? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) No action is required, as the interest rate is activated automatically for all XTB UK clients with uninvested cash balances. There is no minimum or maximum amount of free funds required.   Are there any minimum or maximum balance requirements to earn interest? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) No, there is no minimum or maximum amount of free funds required.   Do I have to pay taxes on the earned interest? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) Please note, it is your responsibility to report and remit any applicable taxes associated with the interest income you receive. The UK tax system provides a personal allowance, which exempts a certain level of income from taxation. However, any interest earned that exceeds this threshold may be subject to income tax. Please visit or contact [HM Revenue & Customs (HMRC)](https://www.gov.uk/apply-tax-free-interest-on-savings) to ensure you have the most accurate and up-to-date information.  What is the difference between the offer for current and new clients? ![arrow](https://en.xtb.com/hubfs/1_img/new-modules/faq_collapse/arrow_up.svg) The offer is applicable to all clients, new and existing.  I hereby declare that I have been informed that my personal data will be processed for a purpose of marketing of products and services offered by XTB Ltd., exercise or defence of legal claims and in case of opening a demo account also for the purpose of its servicing (legitimate interests provided by controller). Moreover, I hereby declare that I have been informed that XTB with its registered office in the United Kingdom at Level 34, One Canada Square, Canary Wharf, E14 5AA, London, United Kingdom (company number 07227848) is the controller of the personal data. - Data Protection Officer’s data: email – data.privacy@xtb.co.uk; - Recipients categories: “co-working entities”, this means firms owned by XTB as well as controlled by XTB, firms which are under common control together with XTB or which are in a constant cooperation, such as banks, investment firms, auditors, companies providing other financial services, IT companies, advisory companies or courier companies. - XTB’s performance of activities may require a transfer of personal data to entities which are performing services for and on behalf of XTB in other countries, including countries outside of European Economic Area. XTB may use securities in form of a standard data protection provisions, which are approved by the European Commission, in case of transfer of personal data to countries which may not provide an appropriate level of data protection. A person whose personal data concerns has a possibility to obtain a copy of his/her data. - Personal data will be stored for a period of 10 years since acquisition of those data, with the reservation of the mandatory law provisions; - A person whose data concerns has a right to request for their correction, deletion or restriction of processing as well as notification of the objection against processing, right to file a complaint to supervisory body, as well as a right to transfer the data; - Providing of my personal data is voluntary, failure to provide data will result in the inability to participate in a marketing campaign or open a demo account. close I give my consent to receive commercial information (including commercial information) via electronic means of communication (including telecommunications terminal equipment, automated calling systems), XTB Ltd., with its registered office the United Kingdom at Level 34, One Canada Square, Canary Wharf, E14 5AA, London, United Kingdom (company number 07227848). This consent is voluntary and may be revoked at any time. close