Earn interest on uninvested cash at XTB: complete guide

Current rates (AER)

XTB currently pays the following annual equivalent rates on uninvested funds:

Rates are the same for every client regardless of portfolio size — above or below £30,000 in assets under management. New rates took effect on 13 April 2026.

Important: rates are variable and can change. They apply until further notice.

How it works

The mechanism is designed to be effortless:

• Automatic activation — interest is switched on for every client with an uninvested balance. Nothing to set up.
• Daily calculation — interest accrues every day at 23:00 GMT based on your current uninvested balance.
• Monthly payout — accrued interest is credited to your account within 5 business days of month-end.

Only the free portion of your balance earns interest — money tied up in open positions does not count.

Eligibility

XTB keeps the entry bar low:

• No minimum balance — interest accrues on any amount of free cash.
• No maximum cap — unlike some competitors, XTB doesn't limit the balance on which interest is paid.
• No activity requirement — you don't need to trade or hold open positions.
• Open to everyone — the same offer applies to new and existing clients.

Variable rates

XTB's rates are variable, not fixed. In practice:

• Rates may change weekly.
• Changes reflect current market conditions and central bank decisions.
• XTB publishes current and historical rates on its website.

Variable rates are industry-standard practice — they track the reference rates set by the Bank of England, the ECB and the Fed.

How XTB compares (GBP, Jan 2026)

For USD, XTB pays 3.45% — most competitors pay nothing on dollar balances. EUR is similar: XTB offers 2.30% while most platforms pay 0%.

Tax

Interest income is taxable and it's your responsibility to declare it and pay any tax due. UK residents have a Personal Savings Allowance that shelters some interest from tax — anything above that threshold may be subject to income tax.

Non-UK residents should check the rules in their own jurisdiction.

Who benefits most

Cash interest at XTB is particularly useful for:

• Investors waiting for opportunities — your cash still earns while you look for an entry point.
• Conservative savers — 4% on GBP is competitive with dedicated savings accounts.
• Active traders — idle cash between trades automatically generates yield.
• Multi-currency investors — rates across three currencies allow currency diversification.

Key parameters at a glance