Interest on cash at your broker

1. One rate on the whole balance. Trade Republic pays 2.5% on cash in Germany after activation, with no amount limit; according to the provider the interest is made up of partner-bank interest and distributions from liquidity funds. IG pays 3.75% AER, variable, on GBP balances in GIA, ISA and SIPP, up to GBP 100,000 per client – provided an investment was held, bought or sold in the last 30 days. XTB states a standard rate of 1.1% on EUR and 1.7% on USD in Germany (effective from 19 October 2026), and 4% AER on GBP in the GIA in the UK. Lightyear pays 1.00% AER on uninvested GBP in the UK General Investment Account; Robinhood UK 3.6% AER on USD and nothing on GBP.

2. Tiers with a zero band. At Interactive Brokers the first 10,000 per currency earn nothing; above that the benchmark minus 0.5 percentage points applies, for GBP from 8,000. The full rate applies only from an account value of USD 100,000, less below – by exactly what formula the source does not say. CapTrader, whose accounts are held at Interactive Brokers, deducts 1.00 percentage point from the benchmark; LYNX deducts 2% from Interactive Brokers' rate and pays nothing if the deduction exceeds the rate. Estably states 0% on USD up to 10,000 and 3.590% above, but also says 1.25 percentage points of the credit interest stay with Estably – whether before or after that deduction, it does not say. Tickmill states maximum rates of up to 1.75% on USD and GBP; the rate grows with the balance, the full rate applies only from USD 50K or GBP 40K.

3. By account type or plan. AJ Bell pays 0.75% on the first GBP 2,000 in the Dealing account and nothing above, 1.75% on all of it in the ISA and 2.05% up to GBP 100,000 in the SIPP (applied since 1 February 2026). At interactive investor the Trading Account earns 0.80% on the first GBP 20,000, the ISA 1.10% and the SIPP 1.70% (effective from 6 January 2026). Hargreaves Lansdown pays 1.06% AER up to GBP 19,999.99 in the Fund and Share Account and more in higher tiers, 1.31% in the lowest ISA tier (since 10 June 2026). At Freetrade the rate depends on the plan: Basic 1% on up to GBP 1,000, the paid plans more on up to GBP 3,000. At BUX the basic plan pays 0%, only the Plus and Prime subscriptions pay interest; in the US Robinhood states 3.6% APY only for Robinhood Gold members (USD 5 a month).

4. A money market fund instead of interest. Fidelity puts uninvested cash in new US brokerage accounts into the Fidelity Government Money Market Fund (SPAXX) by default. The figure stated – 3.49% on 8 October 2026 – is the fund's 7-day yield, not a deposit rate, and is not FDIC insured.

5. No interest. flatex states 0.00% on the cash account in its price list, justTRADE 0.00% on the clearing account, finanzen.net zero "currently" no interest, Scalable Capital 0% on broker cash, Lightyear 0.00% in the EU. In Switzerland Swissquote states 0% in every tier, PostFinance no credit interest in e-trading, Yuh 0% on cash in saving projects and Cornèrtrader 0% on CHF, EUR and USD; Nordnet states 0.00% on the investment accounts. Pepperstone, IC Markets (EU), FP Markets (Saint Lucia), markets.com (EU) and Plus500 (EU) exclude interest on client money in their terms.

Qtrade states 0.00% on CAD up to 2,000,000 and on all USD; 0.10% applies only to CAD from 2,000,001. TradeStation pays 0.15% only on free credit balances over USD 100,000. Such rates are shown in the provider's profile, but the "Interest on cash (documented)" filter does not count them: it requires a rate above 0% that applies from 10,000 at the latest.

• XTB (Germany): new clients from 14 October 2026 get 4.5% on up to EUR 20,000 for 90 days if they place at least one stock or ETF order in each calendar month. After that the standard rate applies.
• Trade Republic (Austria, France, Italy, Belgium, Portugal, Netherlands): new customers get 3% on balances up to EUR 50,000, above that the ECB deposit facility rate, currently 2.5%; without an IBAN of the country there is no interest, according to the pages. What existing customers earn below EUR 50,000 they do not say – which is why the list does not rank Trade Republic in Austria.
• Moomoo (US): 3.6% APY as a promotional rate for clients who meet a deposit or transfer requirement (as of 18 September 2026); the page states no base rate.
• VIP clients only: Saxo in Switzerland and AvaTrade pay interest on cash only in VIP tiers.

The list by market leaves promotional rates, ISA and pension accounts, plans with a monthly fee and offers for VIP clients only out of the comparison; they are still listed there with all their details.

Some providers pay interest on money in the trading account for CFDs and other leveraged products. ActivTrades states 2.4% APY on EUR and 3.3% on USD on "free margin", only up to 100,000 and after opting in. In the UK OANDA pays 2% APY in the CFD and spread betting account on an average balance of GBP 10,000 to 49,999 and 4% between GBP 50,000 and 100,000 (labelled promotional); in the EU interest is paid only in the CFD account, not in the stocks account. eToro USA pays 3.25% on cash in the options account. The list by market shows these details but does not rank them: it compares the ordinary investment account.

A separate savings or overnight account next to the investment account is something other than interest on the cash in the account. Scalable Capital pays 2.60% on its overnight account (since 1 September 2026) and 0% on broker cash. Smartbroker+ pays 2.25% up to EUR 100,000 on a separate interest account at Baader Bank, Consorsbank 1.00% on an overnight account, comdirect 0.75% on an overnight account. Revolut pays interest on separate savings accounts in Germany, the UK and Lithuania. Coinbase pays 3.50% AER on a separate savings account at ClearBank in the UK. Public in the US pays interest only on the separate High-Yield Cash Account (3.30% APY with no fee); cash in the brokerage account itself earns nothing there. Nordnet pays 1.34% on its savings account and 0.00% on the investment accounts. Wealthsimple pays interest on the separate Chequing account; whether cash in the trading account earns interest is not documented. Webull UK offers a third-party savings product. Kraken pays "Opt-In Rewards" on crypto balances, and according to the provider Bitpanda Cash Plus is a derivative on money market funds – neither is interest on USD, EUR or GBP cash.

At Interactive Brokers the first EUR 10,000 earn nothing. With exactly EUR 10,000 in the account the interest is therefore zero – however high the rate above it. With EUR 20,000 only EUR 10,000 earns interest, and only at the full rate if the account value reaches USD 100,000. A high rate "above 10,000" is therefore worth less for small balances than it looks.

• All rates are variable. Where a source gives a date it is shown; many pages give none.
• Some rates cannot be read. Saxo, LYNX and Webull load their rates through a JavaScript calculator; Trading 212's pricing page was blocked for us, and existing clients see their rate only in the app. In these cases the figure is missing.
• All 72 providers checked, not every market documented. Where the sources contain neither a yes nor a no for a market, a provider appears in the list as "nothing documented".
• Tax on interest is not covered here. LYNX states 20% withholding tax on interest for accounts at Interactive Brokers Ireland.
• As of 25 October 2026. We did not open accounts; we report what the providers write.

• IG, Charges and Share dealing
• XTB, Zinsen, interest rates Germany, Interest (UK)
• Trade Republic, interest Germany (page data) and interest Austria (page data)
• Interactive Brokers, interest rates Ireland; CapTrader, Zinsen; LYNX, Zinsen; Estably, Zinsen
• AJ Bell, Interest rates; interactive investor, Cash interest rates; Hargreaves Lansdown, Charges and interest rates; Freetrade, Pricing; Lightyear, General Investment Account and comparison Estonia
• BUX, Fees; Robinhood, cash program US and UK
• Fidelity, Manage cash
• flatex, price list; justTRADE, price list; finanzen.net zero, credit interest; Scalable Capital, Trading costs and interest overview
• Swissquote, Account fees; PostFinance, e-trading fees; Yuh, Pricing; Cornèrtrader, Pricing; Nordnet, Prislista
• Pepperstone, UK Terms and Conditions; IC Markets, EU Terms and Conditions; FP Markets, Client Agreement; markets.com, Investment Services Agreement; Plus500, User Agreement
• Qtrade, Interest rates; TradeStation, Pricing
• Moomoo, Cash Sweep; Saxo, Interest rates (Switzerland); AvaTrade, Interest on deposit balances
• ActivTrades, Interest; OANDA, Earn interest (UK) and Interest rate (EU); eToro, Interest on balance (US); Tickmill, Interest rates
• Smartbroker+, conditions; Consorsbank, prices and interest; comdirect, overnight account; Revolut, instant access savings Germany; Coinbase, Savings; Public, High-Yield Cash Account and brokerage cash
• Wealthsimple, Pricing; Webull UK, Cash savings; Kraken, Opt-In Rewards; Bitpanda, Cash Plus

This article is for information only and does not constitute investment, legal or tax advice.