eToro cuts USD cash interest to 3.55%
eToro lowered the rate it pays on uninvested USD balances. EUR and GBP tiers are unchanged. Nothing you need to do — but if you parked a large dollar balance specifically for the old rate, it's worth a look.
RewardHunter Who I am → 13 Jul 2026 · 2 min · 1 sources
The rate eToro pays on uninvested US dollar cash has come down. Balances that earned 4.90% AER now earn 3.55% AER, effective 13 July 2026. Euro and pound tiers are unchanged.
Why it changed
The cut tracks the wider fall in short-term USD money-market rates over the past quarter. When the underlying rate a broker earns on client cash drops, the rate it can pass on drops with it — so this brings eToro back roughly in line with what most regulated brokers now pay on idle dollars rather than being an outlier.
Does it change anything for you
For most people, no. Cash interest is a perk on money waiting to be invested, not a savings product — the rate was always variable and always going to move with the market. The one case worth a second look: if you were deliberately holding a large USD balance specifically for the 4.90%, the maths is now different, and it's worth comparing the current tier against alternatives before you top up further.
Bottom line
A rate cut, not a reason to switch. 3.55% on idle USD is still competitive versus most brokers, and eToro's EUR/GBP tiers didn't move. If cash interest is the main reason you hold a balance there, compare the current tiers before topping up.
Sources
If a guide saved you time, you can buy me a coffee — no strings.
Buy me a coffeeComments
Comments appear after approval.
