CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% 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. 75% 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. 75% 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.

Earn 4.5% interest on your GBP uninvested funds

No balance limits

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

Currently the following rates apply

AUM GBP EUR USD
30K+

4.5%

1%

2%

<30K

4.5%

1%

2%

Apply from 28.04.2025

 

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.

Interest is accrued on daily basis at 23.00 GMT. 

Interest is paid to your account in 5 working days from the end of the calendar month.

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.
 
No, there is no minimum or maximum amount of free funds required.
 

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) to ensure you have the most accurate and up-to-date information. 

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