Interest rates in XTB - Interest on your uninvested funds

Earn up to 4.5% interest on GBP on your uninvested funds

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

AUM

30K+

<30K

See how our costs compare

All data correct as of 1st July 2025. All rates are based on AER and relates to GIA only.

^{1. IG offers 4.25% on GBP uninvested funds limited up to £100,000 only and requires you to hold an open position or have traded every month.}

^{2. Hargreaves Lansdown offers 1.51% interest on funds limited up to £9,999.99 for GIA. Thereafter they increase interest on higher funds with rates capped at 1.81% for balances over £100,000.}

^{3. Freetrade Basic accounts offer 1% interest limited up to £1,000 only. For Plus accounts (costing £9.99 monthly subscription) they offer 5% interest on funds limited up to £3,000 only.}

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Earn up to 4.5% interest on GBP on your uninvested funds

Currently the following rates apply

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