Earn up to 4% interest on GBP on your uninvested funds

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

OPEN ACCOUNT

Currently the following rates apply

AUM	30K+	<30K

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

Comparison

See how our costs compare

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GBP	4%*	3.8%	3.75%**	1.26%***	1%****
EUR	2.3%	2.2%	0%	0%	0%
USD	3.45%	4.1%	0%	0%	0%

All data correct as of 13th January 2026. All rates are based on AER and relate to GIA only.

*XTB offers 4% AER (variable) to all GIA clients.

**IG offers 3.75% on GBP uninvested funds limited up to £100,000 only and requires you to hold an open position or have traded every month.

***Hargreaves Lansdown offers 1.26% interest on funds limited up to £19,999.99 for GIA. Thereafter they increase interest on higher funds with rates capped at 1.66% for balances over £100,000.

****Freetrade Basic accounts offer 1% interest limited up to £1,000 only. For Plus accounts (costing £9.99 monthly subscription) they offer 3.5% interest on funds limited up to £3,000 only.

FAQ

Do you have more questions?

XTB pays interest on uninvested funds held on the account, which means the level of free funds i.e. funds not used in any investments or trades. 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.

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. https://www.gov.uk/apply-tax-free-interest-on-savings

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

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