XTB pays interest on the uninvested cash held in your trading and ISA accounts.
How it works: Interest is calculated daily and paid automatically into your account within the first five business days of the following month.
No action needed: This feature is automatically active for all clients. There is no minimum or maximum balance required to start earning.
Account Types: Available for both standard trading accounts and ISA accounts.
For more information and to view our current interest rates, please visit our website.
How do I check the accrued interest on my account?
To check the interest in your main trading account within the mobile app, go to 'Portfolio', then select 'Interest'.
 |  |
Please note: This section reflects the interest for your main trading account only and does not apply to your Individual Savings Account (ISA).
Frequently Asked Questions
How often does the interest rate change, and how is it calculated? The interest rate is variable and may be adjusted weekly. It is based on current central bank rates (such as the BoE, ECB, and Fed) as well as the rates offered by our banking partners. You can check our current interest rates on our website.
What is the difference between the offer for new and existing clients? There is no difference. This interest offer applies equally to all clients, whether you are new to XTB or have an existing account.
What if I previously signed up for a promotional interest rate? If you are currently on or previously signed up for a specific promotional rate, please ask to be connected to a live agent to check your account status.