Interest rates in XTB - Interest on your uninvested funds

Earn interests on your uninvested funds

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

Currently the following rates apply

Currency	First 90 days from account opening (annually)	After 90 days period from account opening (annually)
EUR	4,20%	2,00%

Apply from 29.04.2024

For historical rates click here.

How does it work?

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?

The rates are variable and can be changed once a week.

When interest are accrued?

Interests are accrued on daily basis at 00.00 (CET)

How often do interest get credited to my account?

Interests are 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?

We do not require you to take any action - the interest on the investor's free funds is activated automatically for all customers with uninvested funds in the account. There is also no minimum or maximum amount of free funds required.

Are there any minimum or maximum balance requirements to earn interest?

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

Do I have to pay taxes on the earned interest?

XTB Limited may withhold tax where it is relevant to do so. However, clients are obliged to check the tax regulations applicable in the country of their residence and pay relevant tax liability risen from interest earned

What is the difference between the offer for current and new clients?

The terms of the offer vary depending on the client's experience with XTB. The table above shows two different interest rates for a given currency. The second column concerns all clients who concluded an agreement with XTB for the first time during the last 90 days. The third column applies to all clients who have been XTB clients for longer than 90 days.

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Earn interests on your uninvested funds

Currently the following rates apply

Do you have more questions?

Join over 1 000 000 XTB Group Clients from around the world.

Earn interests on your uninvested funds

Currently the following rates apply

Do you have more questions?

Join over 1 000 000 XTB Group Clients from around the world.

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