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Brokaro

Ranking from documented data

Interest on cash at brokers, by market

Which brokers pay interest on uninvested cash and how much – in Germany, Austria, Switzerland, the UK and the US, according to the providers' own sources, each figure dated.

How the order comes about

We compare the interest rate on 10,000 of uninvested cash in the market's currency (EUR, CHF, GBP, USD) in an ordinary investment account – without promotional or welcome rates, without ISA and pension accounts, without plans that carry a monthly fee and without offers for VIP clients only or with a deposit requirement. Tiered rates are applied to the 10,000 as the source describes them. Where the rate falls for smaller accounts by a formula the source does not state, we show a ceiling and do not rank it. A money market fund yield is labelled as such. All rates are variable. Only exact rates are ranked, ties broken by our overall score; the list is not an overall rating and not a recommendation, and partner commissions play no part. Rates in CFD, margin or options accounts (such as interest on “free margin”) are shown but not ranked; where the source gives only a promotional rate for part of the 10,000, the offer is not ranked either.

Latest check: 25 October 2026.

Germany · EUR

  1. 1
    Trade Republic

    Interest on €10,000

    2.5%

    • Germany · Trade Republic Bank GmbH
    • EUR 2.5%
    • opt-in needed

    2.5% p.a. on cash with no amount limit, after activation, variable, calculated daily and paid monthly. According to Trade Republic the interest is made up of partner-bank interest and distributions from liquidity funds; these funds carry market risk. The page shows no date.

  2. 2
    XTB

    Interest on €10,000

    1.1%

    • Germany · XTB S.A. German Branch
    • EUR 1.1%
    • EUR 3.5% · promotional
    • EUR 4.5% · up to €20,000 · promotional
    • rates dated 19 October 2026 by the source

    Standard rate EUR 1.1%, USD 1.7%, variable, updated weekly, calculated daily and paid monthly (effective from 19 October 2026). New clients from 14 October 2026 get 4.5% on up to EUR 20,000 for 90 days (welcome rate, USD 3.4%) if they place at least one stock or ETF order in each calendar month; earlier clients got 3.5% on up to EUR 100,000 in their first 90 days. Only the standard rate is compared.

  3. 3
    Interactive Brokers

    Interest on €10,000

    0%

    • EEA (EU entity) · Interactive Brokers Ireland Limited
    • EUR 0% · up to €10,000 · IBKR Pro
    • EUR 1.978% · above €10,000 · IBKR Pro
    • full rate only from a minimum account value

    Rate = benchmark minus 0.5 percentage points (CHF: minus 0.25), variable, no date on the table. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, less below. CHF above 100,000 costs -0.416%, i.e. a charge. Interest accrues daily and is credited monthly.

  4. 4
    CapTrader

    Interest on €10,000

    0%

    • all of the provider's markets · CapTrader GmbH (accounts at Interactive Brokers)
    • EUR 0% · up to €10,000
    • EUR 0.978% · above €10,000
    • full rate only from a minimum account value

    Credit rate = IBKR benchmark minus a CapTrader spread of 1.00 percentage point, variable and tiered. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, proportionally less below. CHF above 100,000 costs -0.416%. The table carries the fetch date as its date. Interest is calculated daily and credited on the third business day of the following month.

  5. 5
    OANDA

    Interest on €10,000

    0%

    • EEA (EU entity) · OANDA TMS Brokers
    • EUR 0% · Stocks account
    • EUR 0.5% · up to €25,000 · CFD account

    CFD accounts only, not stocks accounts: there cash bears no interest according to the fee table (effective from 1 July 2026). In the first 90 days 4%, 4.5% or 5% depending on free funds (below EUR 3,000, EUR 3,000 to 9,999.99, from EUR 10,000), then 0.5%. Interest is paid on at most EUR, USD or GBP 25,000 (PLN 100,000, CZK 600,000, RON 120,000).

  6. 6
    BUX

    Interest on €10,000

    0%

    • EEA (EU entity) · BUX B.V.
    • EUR 0% · BUX Basic
    • EUR 1.75% · up to €100,000 · BUX Plus (plan with a monthly fee)
    • EUR 0% · above €100,000 · BUX Plus (plan with a monthly fee)
    • EUR 2% · up to €100,000 · BUX Prime (plan with a monthly fee)
    • EUR 1.65% · above €100,000 · BUX Prime (plan with a monthly fee)
    • rate depends on the plan

    Interest on uninvested cash in EUR, paid by ABN AMRO Clearing Bank, accruing daily and paid monthly: BUX Basic 0%, BUX Plus (EUR 2.99 a month) 1.75% up to EUR 100,000 and 0% above, BUX Prime (EUR 7.99 a month) 2.00% up to EUR 100,000 and 1.65% above. The page shows no date and does not say whether the rates are variable or fixed, gross or net.

Without a comparable figure

  • ActivTrades

    Interest on €10,000

    not comparable

    • EEA (EU entity) · ActivMarkets Empresa de Investimento, S.A.
    • EUR 2.4% · up to €100,000 · Free margin (CFD account)
    • opt-in needed

    Interest on free margin (cash not used as margin): EUR 2.4% APY, USD 3.3% APY, only up to 100,000 EUR or USD; other currencies such as GBP or CHF earn nothing. Opt-in in the Personal Area needed, calculated daily, paid monthly, rates reviewed periodically; the page shows no date.

  • Estably

    Interest on €10,000

    no figure

    • all of the provider's markets · Estably (Konten bei Interactive Brokers)

    Credit interest for USD only: 0% up to USD 10,000; above that the table shows 3.590% (benchmark minus 0.5 percentage points), applied as a blended rate. The page also says 1.25 percentage points of the credit interest IBKR pays stay with Estably; it does not say whether the 3.590% applies before or after that deduction, so we show no client rate. Variable, calculated daily and booked monthly; the page shows no date (its metadata gives a last change on 9 January 2026). It states no rates for EUR or CHF.

  • eToro

    Interest on €10,000

    documented only in other currencies: USD

    • EEA (EU entity) and United Kingdom · eToro (EU, UK and listed jurisdictions)
    • USD 3% · US$1 to US$50,000 · applies to the whole balance
    • USD 3.8% · above US$50,000 · applies to the whole balance
    • opt-in needed

    On available USD cash only, activated in the eToro Club dashboard, calculated daily, paid monthly. For the EU, the UK, Jersey, Gibraltar, Guernsey, the Isle of Man and Singapore: 3% at a total balance of USD 1 to 50,000, 3.80% above; the total balance includes invested funds. Variable, no date; eToro retains a variable portion of the interest. Other regions: 0.75% from USD 10,000 up to 3.80% from USD 250,000.

  • LYNX

    Interest on €10,000

    no figure

    • all of the provider's markets · LYNX B.V. (accounts at Interactive Brokers Ireland or IB U.K.)
    • full rate only from a minimum account value

    Credit interest is paid by Interactive Brokers on settled cash; LYNX deducts 2% from it (Min(IBKR rate; Max(IBKR rate – 2%; 0))). If the deduction exceeds the IBKR rate, no interest is paid. The full rate applies only from a net asset value (NAV) of USD 100,000. Accounts at Interactive Brokers Ireland pay 20% withholding tax on interest. Credited on the third business day of the following month. The rates per currency are shown only by a calculator; the page text contains no figures.

  • Tickmill

    Interest on €10,000

    at most 0.25%

    • EEA (EU entity) · Tickmill Europe Ltd
    • EUR 0.25% · up to €100,000
    • full rate only from a minimum account value
    • only with trading activity

    The same maximum rates, thresholds, formula, cap and conditions as at Tickmill UK: USD and GBP up to 1.75%, EUR up to 0.25%, full rate only from USD 50K, GBP 40K or EUR 45K, at most 100,000 per currency, Islamic accounts excluded. We do not rank the maximum rate.

  • Trading 212

    Interest on €10,000

    no figure

    • all of the provider's markets · Trading 212
    • Germany · Trading 212 EU GmbH
    • opt-in needed

    Interest on uninvested cash in Stocks & Shares ISA, Cash ISA, Invest, SIPP and CFD, with no minimum or limit, once enabled. Paid daily (Cash ISA monthly on the 3rd). Website rates apply to new clients, existing clients see their rate in the app; the pricing page could not be fetched (error 403), so no rates.

    Clients resident in Germany have earned interest only on EUR balances since 5 January 2026. New EU GmbH clients get a variable promotional rate of the ECB deposit facility rate plus a fixed markup (Invest account only, minimum deposit within 10 days, opt-in needed); the article does not state the markup or the duration.

Not offered according to the provider

  • finanzen.net ZERO — no interest according to the provider

    According to the help article (updated 7 October 2026) there is currently no interest on the clearing account balance and no overnight or fixed-term deposit account. The article points to money-market ETFs; their yield is not interest on cash.

  • flatex — no interest according to the provider

    Price list (valid from 24 August 2026): credit interest on the cash account 0.00% p.a. (subject to change). Foreign-currency accounts and Austria were not checked.

  • IC Markets — no interest according to the provider

    Terms and Conditions Version 5.0, clause 17.4: no right to interest generated from client funds; the client irrevocably waives such claims. Other IC Markets entities were not checked.

  • justTRADE — no interest according to the provider

    Price list (as of 1 September 2026): credit interest on the clearing account currently 0.00% p.a. (subject to change). justTRADE's interest page promotes money-market ETFs, not interest on cash.

  • Lightyear — no interest according to the provider

    According to the comparison page for Estonia, uninvested cash earns 0.00% on EUR, GBP and USD (APY). The separate Savings balance invests in BlackRock money market funds; its yield is not interest on cash.

  • Markets.com — no interest according to the provider

    Client agreement (effective February 2026), clause 26.10: markets.com pays no interest on money held for the client, and the client waives any entitlement to it. Other group entities were not checked.

  • Pepperstone — no interest according to the provider

    German terms (Version 2, March 2024): no interest on amounts held for the client unless otherwise agreed in writing.

  • Plus500 — no interest according to the provider

    User agreement for non-US residents (version 2026/3): no interest is due or paid on client money, and the client waives all rights to interest; interest from overnight deposits of client money is kept by the company (clause 17.2.5). Plus500UK, Plus500US, the Seychelles entity and Plus500 Invest were not checked.

  • Scalable Capital — no interest according to the provider

    Cost overview: broker cash on the clearing account 0% p.a. in both models; only the separate overnight account earns interest, at 2.60% p.a.

Nothing documented (33)

Available in this market according to our data; in the provider's sources we found neither a yes nor a no on this for this market.

Admirals (Admiral Markets), AvaTrade, Axi, Bitpanda, Bitstamp, Bybit, Capital.com, Charles Schwab, CMC Markets, Coinbase, comdirect, Consorsbank, DEGIRO, Dukascopy Bank, Eightcap, FP Markets, Freedom24, FxPro, IG, Kraken, Libertex, NinjaTrader, Revolut Invest, Robinhood, Saxo, Skilling, Smartbroker+, Swissquote, tastytrade, ThinkMarkets, TradeStation, Vantage Markets, XM

Austria · EUR

  1. 1
    Interactive Brokers

    Interest on €10,000

    0%

    • EEA (EU entity) · Interactive Brokers Ireland Limited
    • EUR 0% · up to €10,000 · IBKR Pro
    • EUR 1.978% · above €10,000 · IBKR Pro
    • full rate only from a minimum account value

    Rate = benchmark minus 0.5 percentage points (CHF: minus 0.25), variable, no date on the table. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, less below. CHF above 100,000 costs -0.416%, i.e. a charge. Interest accrues daily and is credited monthly.

  2. 2
    CapTrader

    Interest on €10,000

    0%

    • all of the provider's markets · CapTrader GmbH (accounts at Interactive Brokers)
    • EUR 0% · up to €10,000
    • EUR 0.978% · above €10,000
    • full rate only from a minimum account value

    Credit rate = IBKR benchmark minus a CapTrader spread of 1.00 percentage point, variable and tiered. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, proportionally less below. CHF above 100,000 costs -0.416%. The table carries the fetch date as its date. Interest is calculated daily and credited on the third business day of the following month.

  3. 3
    OANDA

    Interest on €10,000

    0%

    • EEA (EU entity) · OANDA TMS Brokers
    • EUR 0% · Stocks account
    • EUR 0.5% · up to €25,000 · CFD account

    CFD accounts only, not stocks accounts: there cash bears no interest according to the fee table (effective from 1 July 2026). In the first 90 days 4%, 4.5% or 5% depending on free funds (below EUR 3,000, EUR 3,000 to 9,999.99, from EUR 10,000), then 0.5%. Interest is paid on at most EUR, USD or GBP 25,000 (PLN 100,000, CZK 600,000, RON 120,000).

  4. 4
    BUX

    Interest on €10,000

    0%

    • EEA (EU entity) · BUX B.V.
    • EUR 0% · BUX Basic
    • EUR 1.75% · up to €100,000 · BUX Plus (plan with a monthly fee)
    • EUR 0% · above €100,000 · BUX Plus (plan with a monthly fee)
    • EUR 2% · up to €100,000 · BUX Prime (plan with a monthly fee)
    • EUR 1.65% · above €100,000 · BUX Prime (plan with a monthly fee)
    • rate depends on the plan

    Interest on uninvested cash in EUR, paid by ABN AMRO Clearing Bank, accruing daily and paid monthly: BUX Basic 0%, BUX Plus (EUR 2.99 a month) 1.75% up to EUR 100,000 and 0% above, BUX Prime (EUR 7.99 a month) 2.00% up to EUR 100,000 and 1.65% above. The page shows no date and does not say whether the rates are variable or fixed, gross or net.

Without a comparable figure

  • ActivTrades

    Interest on €10,000

    not comparable

    • EEA (EU entity) · ActivMarkets Empresa de Investimento, S.A.
    • EUR 2.4% · up to €100,000 · Free margin (CFD account)
    • opt-in needed

    Interest on free margin (cash not used as margin): EUR 2.4% APY, USD 3.3% APY, only up to 100,000 EUR or USD; other currencies such as GBP or CHF earn nothing. Opt-in in the Personal Area needed, calculated daily, paid monthly, rates reviewed periodically; the page shows no date.

  • Estably

    Interest on €10,000

    no figure

    • all of the provider's markets · Estably (Konten bei Interactive Brokers)

    Credit interest for USD only: 0% up to USD 10,000; above that the table shows 3.590% (benchmark minus 0.5 percentage points), applied as a blended rate. The page also says 1.25 percentage points of the credit interest IBKR pays stay with Estably; it does not say whether the 3.590% applies before or after that deduction, so we show no client rate. Variable, calculated daily and booked monthly; the page shows no date (its metadata gives a last change on 9 January 2026). It states no rates for EUR or CHF.

  • eToro

    Interest on €10,000

    documented only in other currencies: USD

    • EEA (EU entity) and United Kingdom · eToro (EU, UK and listed jurisdictions)
    • USD 3% · US$1 to US$50,000 · applies to the whole balance
    • USD 3.8% · above US$50,000 · applies to the whole balance
    • opt-in needed

    On available USD cash only, activated in the eToro Club dashboard, calculated daily, paid monthly. For the EU, the UK, Jersey, Gibraltar, Guernsey, the Isle of Man and Singapore: 3% at a total balance of USD 1 to 50,000, 3.80% above; the total balance includes invested funds. Variable, no date; eToro retains a variable portion of the interest. Other regions: 0.75% from USD 10,000 up to 3.80% from USD 250,000.

  • LYNX

    Interest on €10,000

    no figure

    • all of the provider's markets · LYNX B.V. (accounts at Interactive Brokers Ireland or IB U.K.)
    • full rate only from a minimum account value

    Credit interest is paid by Interactive Brokers on settled cash; LYNX deducts 2% from it (Min(IBKR rate; Max(IBKR rate – 2%; 0))). If the deduction exceeds the IBKR rate, no interest is paid. The full rate applies only from a net asset value (NAV) of USD 100,000. Accounts at Interactive Brokers Ireland pay 20% withholding tax on interest. Credited on the third business day of the following month. The rates per currency are shown only by a calculator; the page text contains no figures.

  • Tickmill

    Interest on €10,000

    at most 0.25%

    • EEA (EU entity) · Tickmill Europe Ltd
    • EUR 0.25% · up to €100,000
    • full rate only from a minimum account value
    • only with trading activity

    The same maximum rates, thresholds, formula, cap and conditions as at Tickmill UK: USD and GBP up to 1.75%, EUR up to 0.25%, full rate only from USD 50K, GBP 40K or EUR 45K, at most 100,000 per currency, Islamic accounts excluded. We do not rank the maximum rate.

  • Trade Republic

    Interest on €10,000

    not comparable

    • Austria, France, Italy, Belgium, Portugal and Netherlands · Trade Republic Bank GmbH
    • EUR 2.5% · above €50,000
    • EUR 3% · up to €50,000 · promotional
    • opt-in needed
    • only with an IBAN of the country of residence

    Same text on the pages for Austria, the Netherlands, France, Italy, Belgium and Portugal: new customers earn 3% after activation on balances up to EUR 50,000, with no stated duration; balances above earn the ECB deposit facility rate, currently 2.5%. The pages do not say what existing customers earn below EUR 50,000. Without an IBAN of the country there is no interest, according to the pages for Austria, France, Italy, Belgium and Portugal. Customers of the Dutch branch with a Dutch IBAN earn the full ECB rate without an amount limit, according to the page for the Netherlands. On the page for Portugal the page title says 2.5%, the FAQ 3% for new customers. No date.

  • Trading 212

    Interest on €10,000

    no figure

    • all of the provider's markets · Trading 212
    • opt-in needed

    Interest on uninvested cash in Stocks & Shares ISA, Cash ISA, Invest, SIPP and CFD, with no minimum or limit, once enabled. Paid daily (Cash ISA monthly on the 3rd). Website rates apply to new clients, existing clients see their rate in the app; the pricing page could not be fetched (error 403), so no rates.

Not offered according to the provider

  • IC Markets — no interest according to the provider

    Terms and Conditions Version 5.0, clause 17.4: no right to interest generated from client funds; the client irrevocably waives such claims. Other IC Markets entities were not checked.

  • Lightyear — no interest according to the provider

    According to the comparison page for Estonia, uninvested cash earns 0.00% on EUR, GBP and USD (APY). The separate Savings balance invests in BlackRock money market funds; its yield is not interest on cash.

  • Markets.com — no interest according to the provider

    Client agreement (effective February 2026), clause 26.10: markets.com pays no interest on money held for the client, and the client waives any entitlement to it. Other group entities were not checked.

  • Pepperstone — no interest according to the provider

    German terms (Version 2, March 2024): no interest on amounts held for the client unless otherwise agreed in writing.

  • Plus500 — no interest according to the provider

    User agreement for non-US residents (version 2026/3): no interest is due or paid on client money, and the client waives all rights to interest; interest from overnight deposits of client money is kept by the company (clause 17.2.5). Plus500UK, Plus500US, the Seychelles entity and Plus500 Invest were not checked.

Nothing documented (35)

Available in this market according to our data; in the provider's sources we found neither a yes nor a no on this for this market.

Admirals (Admiral Markets), AvaTrade, Axi, Bitpanda, Bitstamp, Bybit, Capital.com, Charles Schwab, CMC Markets, Coinbase, Dukascopy Bank, Eightcap, finanzen.net ZERO, flatex, FP Markets, Freedom24, FxPro, IG, Kraken, Libertex, NinjaTrader, Revolut Invest, Robinhood, Saxo, Scalable Capital, Skilling, Smartbroker+, Swissquote, tastytrade, ThinkMarkets, TradeStation, Vantage Markets, XM, XTB, Yuh

Switzerland · CHF

  1. 1
    CapTrader

    Interest on CHF 10,000

    0%

    • all of the provider's markets · CapTrader GmbH (accounts at Interactive Brokers)
    • CHF 0% · up to CHF 100,000
    • CHF -0.416% · above CHF 100,000
    • full rate only from a minimum account value

    Credit rate = IBKR benchmark minus a CapTrader spread of 1.00 percentage point, variable and tiered. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, proportionally less below. CHF above 100,000 costs -0.416%. The table carries the fetch date as its date. Interest is calculated daily and credited on the third business day of the following month.

Without a comparable figure

  • Estably

    Interest on CHF 10,000

    no figure

    • all of the provider's markets · Estably (Konten bei Interactive Brokers)

    Credit interest for USD only: 0% up to USD 10,000; above that the table shows 3.590% (benchmark minus 0.5 percentage points), applied as a blended rate. The page also says 1.25 percentage points of the credit interest IBKR pays stay with Estably; it does not say whether the 3.590% applies before or after that deduction, so we show no client rate. Variable, calculated daily and booked monthly; the page shows no date (its metadata gives a last change on 9 January 2026). It states no rates for EUR or CHF.

  • LYNX

    Interest on CHF 10,000

    no figure

    • all of the provider's markets · LYNX B.V. (accounts at Interactive Brokers Ireland or IB U.K.)
    • full rate only from a minimum account value

    Credit interest is paid by Interactive Brokers on settled cash; LYNX deducts 2% from it (Min(IBKR rate; Max(IBKR rate – 2%; 0))). If the deduction exceeds the IBKR rate, no interest is paid. The full rate applies only from a net asset value (NAV) of USD 100,000. Accounts at Interactive Brokers Ireland pay 20% withholding tax on interest. Credited on the third business day of the following month. The rates per currency are shown only by a calculator; the page text contains no figures.

  • Saxo

    Interest on CHF 10,000

    no figure

    • Switzerland · Saxo Bank (Switzerland) Ltd.
    • VIP clients only

    Interest on uninvested cash for VIP clients only. Tiers for EUR and USD: Level A 10,000, Level B 100,000, markdown 0.50% (other currencies equivalent); no interest up to Level A, a proportionally scaled rate above, the full rate above Level B. The rates themselves are loaded by a JavaScript calculator; the page text contains no figures.

  • Trading 212

    Interest on CHF 10,000

    no figure

    • all of the provider's markets · Trading 212
    • opt-in needed

    Interest on uninvested cash in Stocks & Shares ISA, Cash ISA, Invest, SIPP and CFD, with no minimum or limit, once enabled. Paid daily (Cash ISA monthly on the 3rd). Website rates apply to new clients, existing clients see their rate in the app; the pricing page could not be fetched (error 403), so no rates.

Not offered according to the provider

  • Cornèrtrader — no interest according to the provider

    Pricing page: interest on positive cash balances in CHF, EUR and USD is 0% each; it shows no date. Negative balances are charged the prevailing market rate plus 7%, and in currencies with negative rates Cornèrtrader reserves the right to charge negative interest above a threshold.

  • PostFinance E-Trading — no interest according to the provider

    Fees page: no credit interest on e-trading accounts in any currency; debit interest 9.50%. PostFinance savings and personal accounts were not checked.

  • Swissquote — no interest according to the provider

    0% on cash in CHF, EUR, GBP, USD and AED in every tier (below 200K, 200K to 500K, above 500K), rates since 1 October 2024. Fixed-term deposits from 25,000 CHF, USD or EUR are a separate product (for example 1 year: CHF 0.18%, EUR 2.11%, USD 3.65% in the 25K to 100K tier) and do not count here. Swissquote Bank Europe and the UK were not checked.

  • Yuh — no interest according to the provider

    Interest rate on cash in saving projects (the Save section) in CHF, EUR and USD 0%; depending on the balance, a negative rate (fee) may be charged. Yuh publishes no separate rate for the main account; the no rests on the only published rate. No date on the page.

Nothing documented (37)

Available in this market according to our data; in the provider's sources we found neither a yes nor a no on this for this market.

ActivTrades, AvaTrade, Axi, Binance, Bitpanda, Bitstamp, BlackBull Markets, Bybit, Capital.com, Charles Schwab, CMC Markets, Coinbase, DEGIRO, Dukascopy Bank, Eightcap, eToro, Exness, FxPro, IC Markets, IG, Interactive Brokers, Kraken, Libertex, Markets.com, NinjaTrader, OANDA, Pepperstone, Plus500, Revolut Invest, Skilling, tastytrade, ThinkMarkets, Tickmill, TradeStation, Vantage Markets, XM, XTB

United Kingdom · GBP

  1. 1
    XTB

    Interest on £10,000

    4%

    • United Kingdom · XTB Limited (FCA FRN 522157)
    • GBP 4% · GIA
    • rates dated 19 October 2026 by the source

    4% AER variable on GBP for all GIA clients, EUR 2.3%, USD 3.45% (effective from 19 October 2026). No minimum or maximum amount; rates may change once a week.

  2. 2
    IG

    Interest on £10,000

    3.75%

    • United Kingdom · IG (ig.com/uk)
    • GBP 3.75% · up to £100,000
    • only with trading activity

    3.75% AER variable on GBP balances in GIA, ISA and SIPP, paid daily on the previous day's balance, up to GBP 100,000 per client. Condition: an investment held, bought or sold in the last 30 days. The page shows no date; whether the rate also applies to the Junior ISA is not documented.

  3. 3
    CMC Markets

    Interest on £10,000

    1.26%

    • United Kingdom · CMC Markets Investments Limited (CMC Invest)
    • GBP 1.26% · Core
    • GBP 2.27% · Plus (plan with a monthly fee)
    • GBP 3.3% · Premium (plan with a monthly fee)
    • United Kingdom · CMC Markets UK plc (share dealing)
    • settled cash only
    • rate depends on the plan

    AER variable, on settled cash available to withdraw only. The rate depends on the plan: Core (GBP 0 a month) 1.26%, Plus (up to GBP 6.99 a month) 2.27% on GBP, Premium (up to GBP 10.99 a month) 3.30% on GBP; USD and EUR in the GIA only. The page shows no date. Only Core is compared, because Plus and Premium carry a monthly fee.

    The share dealing page advertises 2% interest on the cash balance; it states no conditions, currencies or date. No comparison figure for that reason.

  4. 4
    Hargreaves Lansdown

    Interest on £10,000

    1.06%

    • United Kingdom · Hargreaves Lansdown
    • GBP 1.06% · up to £20,000 · Fund and Share Account
    • GBP 1.31% · £20,000 to £100,000 · Fund and Share Account
    • GBP 1.46% · £100,000 to £1,000,000 · Fund and Share Account
    • GBP 2.02% · above £1,000,000 · Fund and Share Account
    • GBP 1.31% · up to £20,000 · Stocks and Shares ISA (ISA)
    • GBP 1.66% · £20,000 to £100,000 · Stocks and Shares ISA (ISA)
    • GBP 1.87% · £100,000 to £1,000,000 · Stocks and Shares ISA (ISA)
    • GBP 2.17% · above £1,000,000 · Stocks and Shares ISA (ISA)
    • rates dated 10 June 2026 by the source

    AER, variable, since 10 June 2026, each rate for its tier only. Fund and Share Account (paid gross): 1.06% up to GBP 19,999.99, 1.31% from GBP 20,000, 1.46% from GBP 100,000, 2.02% from GBP 1,000,000. Stocks and Shares ISA: 1.31%, 1.66%, 1.87%, 2.17% in the same tiers. SIPP and Junior SIPP 2.02% in the lowest up to 2.63% in the top tier, Lifetime ISA 1.41%, Junior ISA 0.80%. Calculated daily on the cleared balance, paid monthly; HL charges no fee for holding cash but keeps the difference between the interest it receives and the interest it pays. The Fund and Share Account is the one compared.

  5. 5
    Lightyear

    Interest on £10,000

    1%

    • United Kingdom · Lightyear UK Ltd
    • GBP 1% · General Investment Account

    Uninvested GBP in the General Investment Account earns 1.00% AER, variable, with no date on the page. Vaults (up to 3.87% AER) are money market funds with their own fee, not interest on cash, and do not count here.

  6. 6
    interactive investor

    Interest on £10,000

    0.8%

    • United Kingdom · interactive investor (ii)
    • GBP 0.8% · up to £20,000 · Trading Account
    • GBP 1.05% · £20,000 to £50,000 · Trading Account
    • GBP 1.15% · £50,000 to £100,000 · Trading Account
    • GBP 1.8% · above £100,000 · Trading Account
    • GBP 1.1% · up to £20,000 · Stocks & Shares ISA, Junior ISA (ISA)
    • GBP 1.25% · £20,000 to £50,000 · Stocks & Shares ISA, Junior ISA (ISA)
    • GBP 1.35% · £50,000 to £100,000 · Stocks & Shares ISA, Junior ISA (ISA)
    • GBP 2.1% · above £100,000 · Stocks & Shares ISA, Junior ISA (ISA)
    • GBP 1.7% · up to £20,000 · SIPP (pension)
    • GBP 2.1% · £20,000 to £50,000 · SIPP (pension)
    • GBP 2.2% · £50,000 to £100,000 · SIPP (pension)
    • GBP 2.3% · above £100,000 · SIPP (pension)
    • rates dated 6 January 2026 by the source

    Gross rates, effective from 6 January 2026, variable, paid monthly around the 25th. Trading Account: GBP 0.80% on the first GBP 20,000, 1.05% to 50,000, 1.15% to 100,000, 1.80% above; EUR 0.25%; USD 0.25% up to the equivalent of GBP 10,000, then 0.65% and 1.55%. ISA: GBP 1.10% to 2.10%. SIPP: GBP 1.70% to 2.30%, EUR 1.00%, USD 1.00% to 2.00%. The Trading Account is the one compared.

  7. 7
    AJ Bell

    Interest on £10,000

    0.15%

    • United Kingdom · AJ Bell
    • GBP 0.75% · up to £2,000 · Dealing account
    • GBP 0% · above £2,000 · Dealing account
    • GBP 1.75% · Stocks and shares ISA, Lifetime ISA, Junior ISA (ISA)
    • GBP 2.05% · up to £100,000 · SIPP, Junior SIPP (pension)
    • GBP 2.4% · above £100,000 · SIPP, Junior SIPP (pension)
    • GBP 2.65% · up to £100,000 · SIPP in drawdown (pension)
    • GBP 3.15% · above £100,000 · SIPP in drawdown (pension)
    • rates dated 1 February 2026 by the source

    AER variable, applied since 1 February 2026, GBP only. In the Dealing account 0.75% on the first GBP 2,000, nothing above; in the ISA 1.75% on all of it; in the SIPP 2.05% up to GBP 100,000 and 2.40% on the part above (in drawdown 2.65% and 3.15%). Calculated daily on cleared cash, paid quarterly in arrears. The Dealing account is the one compared.

  8. 8
    Freetrade

    Interest on £10,000

    0.1%

    • United Kingdom · Freetrade Ltd
    • GBP 1% · up to £1,000 · Basic
    • GBP 2.5% · up to £2,000 · Standard (plan with a monthly fee)
    • GBP 3.5% · up to £3,000 · Plus (plan with a monthly fee)
    • rate depends on the plan

    AER on uninvested cash by plan: Basic 1% on up to GBP 1,000, Standard 2.5% on up to GBP 2,000, Plus 3.5% on up to GBP 3,000; the page states no interest above that. On Plus the interest is credited on the 11th working day of the month, to the ISA first, then the GIA, then the SIPP, up to GBP 3,000 combined. The pricing page shows no date.

  9. 9
    Robinhood

    Interest on £10,000

    0%

    • United Kingdom · Robinhood UK
    • GBP 0%
    • rates dated 17 September 2026 by the source

    Uninvested USD is swept to program banks and earns 3.6% AER, as of 17 September 2026; new accounts are enrolled by default. Cash in GBP is not eligible for the program and earns no interest.

Without a comparable figure

  • ActivTrades

    Interest on £10,000

    documented only in other currencies: EUR, USD

    • United Kingdom · ActivTrades PLC
    • EUR 2.4% · up to €100,000 · Free margin (CFD account)
    • USD 3.3% · up to US$100,000 · Free margin (CFD account)
    • opt-in needed

    Interest on free margin (cash not used as margin): EUR 2.4% APY, USD 3.3% APY, only up to 100,000 EUR or USD; other currencies such as GBP or CHF earn nothing. Opt-in in the Personal Area needed, calculated daily, paid monthly, rates reviewed periodically; the page shows no date.

  • CapTrader

    Interest on £10,000

    at most 0.447%

    • all of the provider's markets · CapTrader GmbH (accounts at Interactive Brokers)
    • GBP 0% · up to £8,000
    • GBP 2.235% · above £8,000
    • full rate only from a minimum account value

    Credit rate = IBKR benchmark minus a CapTrader spread of 1.00 percentage point, variable and tiered. The first 10,000 per currency (GBP: 8,000, CHF: 100,000) earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000, proportionally less below. CHF above 100,000 costs -0.416%. The table carries the fetch date as its date. Interest is calculated daily and credited on the third business day of the following month.

  • eToro

    Interest on £10,000

    documented only in other currencies: USD

    • EEA (EU entity) and United Kingdom · eToro (EU, UK and listed jurisdictions)
    • USD 3% · US$1 to US$50,000 · applies to the whole balance
    • USD 3.8% · above US$50,000 · applies to the whole balance
    • opt-in needed

    On available USD cash only, activated in the eToro Club dashboard, calculated daily, paid monthly. For the EU, the UK, Jersey, Gibraltar, Guernsey, the Isle of Man and Singapore: 3% at a total balance of USD 1 to 50,000, 3.80% above; the total balance includes invested funds. Variable, no date; eToro retains a variable portion of the interest. Other regions: 0.75% from USD 10,000 up to 3.80% from USD 250,000.

  • Interactive Brokers

    Interest on £10,000

    at most 0.647%

    • United Kingdom · Interactive Brokers (U.K.) Limited
    • GBP 0% · up to £8,000 · IBKR Pro
    • GBP 3.235% · above £8,000 · IBKR Pro
    • full rate only from a minimum account value

    Benchmark minus 0.5 percentage points. The first GBP 8,000 or USD 10,000 earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000. Variable, no date on the table.

  • OANDA

    Interest on £10,000

    not comparable

    • United Kingdom · OANDA Europe Limited
    • GBP 2% · £10,000 to £49,999 · applies to the whole balance · CFD & spread betting (CFD account)
    • GBP 4% · £50,000 to £100,000 · applies to the whole balance · CFD & spread betting (CFD account) · promotional
    • rates dated 16 June 2026 by the source

    Interest on the average daily uninvested cash balance in the CFD and spread betting account: 2% APY for GBP 10,000 to 49,999, 4% APY for GBP 50,000 to 100,000 (labelled promotional, no end date). Minimum GBP 10,000 or the USD or EUR equivalent; the page says nothing above GBP 100,000. As of 16 June 2026.

  • Saxo

    Interest on £10,000

    no figure

    • United Kingdom · Saxo Capital Markets UK Ltd

    Interest on uninvested GBP, USD and EUR from a balance of GBP 5,000 (or equivalent), on the part above only: with GBP 6,000, GBP 1,000 earns interest. No cap, SONIA-based for GBP, updated daily. The rates are loaded by a JavaScript calculator; the page text contains no figures.

  • Tickmill

    Interest on £10,000

    at most 1.75%

    • United Kingdom · Tickmill UK Ltd
    • GBP 1.75% · up to £100,000
    • full rate only from a minimum account value
    • only with trading activity

    Maximum rates on wallet funds not allocated to a trading account: USD up to 1.75% (threshold 0 to 50K), GBP up to 1.75% (0 to 40K), EUR up to 0.25% (0 to 45K). The rate grows linearly with the balance (funds divided by the threshold times the maximum rate); the full rate applies only from USD 50K, GBP 40K or EUR 45K, and at most 100,000 per currency earns interest. Conditions: a total balance of at least USD 100 and trading activity in the last 30 days (or an open position); Islamic (swap-free) accounts are excluded. Calculated daily, paid monthly; the page shows no date. Because the rate grows with the balance, we show only the maximum and do not rank it.

  • Trading 212

    Interest on £10,000

    not comparable

    • all of the provider's markets · Trading 212
    • United Kingdom · Trading 212 (SIPP)
    • GBP 3% · SIPP (pension)
    • opt-in needed

    Interest on uninvested cash in Stocks & Shares ISA, Cash ISA, Invest, SIPP and CFD, with no minimum or limit, once enabled. Paid daily (Cash ISA monthly on the 3rd). Website rates apply to new clients, existing clients see their rate in the app; the pricing page could not be fetched (error 403), so no rates.

    SIPP: 3.00% AER from 26 October 2026, 3.80% AER until 25 October 2026. The SIPP carries a 0.15% FX fee.

Not offered according to the provider

  • Pepperstone — no interest according to the provider

    Under the terms (Version 10, February 2026) Pepperstone alone is entitled to any interest on client money and is under no obligation to pay interest to the client.

Nothing documented (25)

Available in this market according to our data; in the provider's sources we found neither a yes nor a no on this for this market.

Admirals (Admiral Markets), Axi, Bitpanda, Bitstamp, Bybit, Capital.com, Charles Schwab, Coinbase, DEGIRO, Dukascopy Bank, Eightcap, FP Markets, FxPro, IC Markets, Kraken, NinjaTrader, Plus500, Revolut Invest, Skilling, Swissquote, tastytrade, ThinkMarkets, TradeStation, Vantage Markets, Webull

United States · USD

  1. 1
    Fidelity Investments

    Interest on US$10,000

    3.49%

    • United States · Fidelity retail brokerage (SPAXX)
    • USD 3.49%
    • rates dated 8 October 2026 by the source
    • money market fund

    New Fidelity retail brokerage accounts put uninvested cash into the Fidelity Government Money Market Fund (SPAXX) by default unless another option is chosen. The figure is the fund's 7-day yield (3.49% on 8 October 2026), not a deposit rate: variable and not FDIC insured. The Cash Management Account page states 3.52% for SPAXX on 23 October 2026.

  2. 2
    Charles Schwab

    Interest on US$10,000

    0.01%

    • United States · Charles Schwab & Co., Inc. (Bank Sweep: Charles Schwab Bank, SSB)
    • USD 0.01%

    0.01% APY on uninvested cash in a Schwab brokerage account, variable, from USD 0.01. The page gives its own fetch date as the date of the rate; whether higher tiers exist is not visible without logging in. The money market fund on the same page is a fund purchase, not interest on cash.

  3. 3
    Interactive Brokers

    Interest on US$10,000

    0%

    • United States · Interactive Brokers LLC
    • USD 0% · up to US$10,000 · IBKR Pro
    • USD 3.38% · above US$10,000 · IBKR Pro
    • USD 0% · up to US$10,000 · IBKR Lite
    • USD 2.38% · above US$10,000 · IBKR Lite
    • full rate only from a minimum account value

    IBKR Pro: benchmark minus 0.5 percentage points, IBKR Lite: minus 1.5. The first USD 10,000 earn nothing; the full rate applies only from a net asset value (NAV) of USD 100,000. Variable, no date on the table.

  4. 4
    TradeStation

    Interest on US$10,000

    0%

    • United States · TradeStation Securities, Inc.
    • USD 0.15% · above US$100,000 · applies to the whole balance

    0.15% p.a. on free credit balances over USD 100,000 in non-IRA securities and futures accounts; nothing on days below the threshold. From USD 500,000 a negotiated rate is possible; TradeStation may change or end the program at any time. Paid monthly, no date on the page. The same paragraph appears on tradestation.eu; it does not say it applies to TradeStation Europe B.V. clients.

Without a comparable figure

  • eToro

    Interest on US$10,000

    not comparable

    • United States · eToro USA Securities Inc.
    • USD 3.25% · options account
    • opt-in needed
    • options account only

    High Interest Cash Program: 3.25% on cash in the options account after opting in; the options account must be approved (exceptions: NV, HI, PR, USVI). Fee of USD 2 a month per account, waived from USD 5,000 total portfolio value across eToro accounts. Rate subject to change.

  • moomoo

    Interest on US$10,000

    not comparable

    • United States · Moomoo Financial Inc.
    • USD 3.6% · promotional
    • rates dated 18 September 2026 by the source
    • only with a deposit requirement

    Cash Sweep Program for US securities accounts at Moomoo Financial Inc. only: 3.6% APY as a promotional rate for clients who meet a deposit or transfer requirement (as of 18 September 2026, variable). The page states no base rate without that requirement. FDIC insurance up to USD 2 million via program banks, no cap on interest earnings.

  • Robinhood

    Interest on US$10,000

    not comparable

    • United States · Robinhood Financial (Robinhood Gold)
    • USD 3.6% · Robinhood Gold (plan with a monthly fee)
    • rates dated 17 September 2026 by the source
    • rate depends on the plan

    High-Yield Cash Program: 3.6% APY for Robinhood Gold members (USD 5 monthly subscription), variable, as of 17 September 2026. We found no rate for customers without Gold.

  • Webull

    Interest on US$10,000

    no figure

    • United States · Webull Financial LLC (Cash Management)
    • settled cash only

    Cash Management: variable APY on settled cash, higher for Webull Premium subscribers (USD 40 a year). The page loads the rates by JavaScript; the page text contains no figures.

Not offered according to the provider

  • Public.com — no interest according to the provider

    According to the help article (dated 14 December 2023), cash held in the primary brokerage account earns no interest; only the separate High-Yield Cash Account does.

Nothing documented (7)

Available in this market according to our data; in the provider's sources we found neither a yes nor a no on this for this market.

Bitstamp, Coinbase, Kraken, NinjaTrader, OANDA, Revolut Invest, tastytrade

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