Best Brokers That Pay Interest On Uninvested Cash 2025
An increasing number of brokers are paying interest on uninvested cash balances, incentivising clients to keep their funds in trading accounts until they decide to trade. Discover the top brokers offering interest on idle funds in December 2025.
Best Brokers That Pay Interest On Cash
These are the top 6 day trading brokers paying interest on uninvested cash:
-
1
Interactive BrokersUSD: 4.8%, GBP: 4.7% -
2
eToro USAUSD: 4.9%eToro USA LLC and eToro USA Securities Inc.; Investing involves risk, including loss of principal; Not a recommendation -
3
MoomooUSD: 5.1% -
4
Crypto.comUSD: 5% -
5
AvaTradeUSD: 2.7% -
6
XTBUSD: 2%, GBP: 4.5%, EUR: 1.25%69-83% of accounts lose money when trading CFDs with this provider.
Here is a short overview of each broker's pros and cons
- Interactive Brokers - Interactive Brokers (IBKR) is a premier brokerage, providing access to 150 markets in 33 countries, along with a suite of comprehensive investment services. With over 40 years of experience, this Nasdaq-listed firm adheres to stringent regulations by the SEC, FCA, CIRO, and SFC, amongst others, and is one of the most trusted brokers for trading around the globe.
- eToro USA - eToro is a social investing platform that offers short-term and long-term trading on stocks, ETFs, options and crypto. The broker is well-known for its user-friendly community-centred platform and competitive fees. With FINRA and SIPC oversight and millions of users across the world, eToro is still one of the most respected brands in the industry. eToro securities trading is offered by eToro USA Securities, Inc.
- Moomoo - Moomoo is an SEC-regulated app-based investment platform that offers a straightforward and affordable way to invest in Chinese, Hong Kong, Singaporean, Australian and US stocks, ETFs and other assets. Margin trading is available and the brand offers a zero-deposit account as well as several bonuses.
- Crypto.com - Crypto.com is one of the biggest names in cryptocurrency trading, developed with the aim to expedite the world's transition to DeFi technologies. The crypto exchange offers token lending, pre-paid cards, NFTs and more. The firm was established in Germany in 2016 and its quality is proven by its 150 million users.
- AvaTrade - Established in 2006, AvaTrade is a leading forex and CFD broker trusted by over 400,000 traders. Operating under regulation in 9 jurisdictions, AvaTrade processes an impressive 2+ million trades each month. Through like MT4, MT5, and its proprietary WebTrader, the broker provides a growing selection of 1,250+ instruments. Whether it’s CFDs, AvaOptions, or the more recent AvaFutures, short-term traders at all levels will find opportunities. With terrific education and 24/5 multilingual customer support, AvaTrade delivers the complete trading experience.
- XTB - Founded in 2002 in Poland, XTB now serves more than 1 million clients. The forex and CFD broker combines a heavily regulated trading environment with an extensive selection of assets and a commitment to trader satisfaction, featuring an intuitive in-house platform with superb tools to support aspiring day traders.
Best Brokers That Pay Interest On Uninvested Cash 2025 Comparison
| Broker | Interest Rate | Minimum Deposit | Markets | Platforms | Regulators |
|---|---|---|---|---|---|
| Interactive Brokers | USD: 4.8%, GBP: 4.7% | $0 | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, CFDs, Cryptocurrencies | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower | FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM |
| eToro USA | USD: 4.9% | $100 | Stocks, Options, ETFs, Crypto | eToro Trading Platform & CopyTrader | SEC, FINRA |
| Moomoo | USD: 5.1% | $0 | Stocks, Options, ETFs, ADRs, OTCs | Desktop Platform, Mobile App | SEC, FINRA, MAS, ASIC, SFC |
| Crypto.com | USD: 5% | $0 | Crypto, Stocks, ETFs | Own | SEC, FCA, MAS, AMF, CySEC, CBI, ASIC, FINTRAC, CIMA, VARA, OAM, HCMC, CFTC, OSC, KoFIU |
| AvaTrade | USD: 2.7% | $100 | CFDs, Forex, Stocks, Indices, Commodities, ETFs, Bonds, Crypto, Spread Betting, Futures | WebTrader, AvaTradeGO, AvaOptions, AvaFutures, MT4, MT5, AlgoTrader, TradingView, TradingCentral, DupliTrade | ASIC, CySEC, FSCA, ISA, CBI, JFSA, FSRA, BVI, ADGM, CIRO, AFM |
| XTB | USD: 2%, GBP: 4.5%, EUR: 1.25% | $0 | CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs | xStation | FCA, CySEC, KNF, DFSA, FSC |
Interactive Brokers
"Interactive Brokers is one of the best brokers for advanced day traders, providing powerful charting platforms, real-time data, and customizable layouts, notably through the new IBKR Desktop application. Its superb pricing and advanced order options also make it highly attractive for day traders, while its diverse range of equities is still among the best in the industry."
Christian Harris, Reviewer
Interactive Brokers Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, CFDs, Cryptocurrencies |
| Regulator | FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM |
| Platforms | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower |
| Minimum Deposit | $0 |
| Minimum Trade | $100 |
| Leverage | 1:50 |
| Account Currencies | USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF |
Pros
- While primarily geared towards experienced traders, IBKR has made moves to broaden its appeal in recent years, reducing its minimum deposit from $10,000 to $0.
- There's a vast library of free or paid third-party research subscriptions catering to all types of traders, plus you can enjoy commission reimbursements from IBKR if you subscribe to Toggle AI.
- With low commissions, tight spreads and a transparent fee structure, IBKR delivers a cost-effective environment for short-term traders.
Cons
- You can only have one active session per account, so you can’t have your desktop program and mobile app running simultaneously, making for a sometimes frustrating trading experience.
- IBKR provides a wide range of research tools, but their distribution across trading platforms and the web-based 'Account Management' page lacks consistency, leading to a confusing user experience.
- Support can be slow and frustrating based on tests, so you might find it challenging to reach customer service representatives promptly or encounter delays in resolving issues.
eToro USA
"eToro remains a top pick for traders looking for leading social investing and copy trading services. With a low deposit, zero commissions and an intuitive platform, the broker will meet the needs of newer day traders."
eToro USA Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | Stocks, Options, ETFs, Crypto |
| Regulator | SEC, FINRA |
| Platforms | eToro Trading Platform & CopyTrader |
| Minimum Deposit | $100 |
| Minimum Trade | $10 |
| Account Currencies | USD |
Pros
- The online broker offers an intuitive social investment network with straightforward copy trading on cryptos
- The broker's Academy offers comprehensive learning materials for beginners to advanced-level investors
- eToro USA Securities is a trustworthy, SEC-regulated broker that is a member of FINRA and SIPC
Cons
- There's no MetaTrader 4 platform integration for traders who are accustomed to using third-party charting tools
- The proprietary terminal doesn't support trading bots and there are no additional stock market analysis tools
- Average fees may cut into the profit margins of day traders
Moomoo
"Moomoo remains an excellent choice for new and intermediate stock traders who want to build a diverse investment portfolio. What really stands out is the broker's user-friendly app and the low trading fees."
Moomoo Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | Stocks, Options, ETFs, ADRs, OTCs |
| Regulator | SEC, FINRA, MAS, ASIC, SFC |
| Platforms | Desktop Platform, Mobile App |
| Minimum Deposit | $0 |
| Minimum Trade | $0 |
| Leverage | 1:2 |
| Account Currencies | USD, HKD, SGD |
Pros
- It is reassuring that Moomoo holds licenses with the US Securities and Exchange Commission (SEC) and the Monetary Authority of Singapore (MAS), among others
- Moomoo is a Member of FINRA and the Securities Investor Protection Corporation (SIPC), adding another level of security for prospective clients
- The broker offers access to extended pre-market trading hours
Cons
- There is no negative balance protection, which is a common safety feature at top-tier-regulated brokers
- There is no phone or live chat support - common options at most other brokers
- It's a shame that there is no 2 factor authentication (2FA), despite the other security features on offer
Crypto.com
"Crypto.com is a snug fit for aspiring crypto traders who want to buy, sell and trade over 400 digital tokens. The interest paid on idle funds and intuitive staking opportunities also provide passive investing opportunities."
Crypto.com Quick Facts
| Demo Account | No |
|---|---|
| Instruments | Crypto, Stocks, ETFs |
| Regulator | SEC, FCA, MAS, AMF, CySEC, CBI, ASIC, FINTRAC, CIMA, VARA, OAM, HCMC, CFTC, OSC, KoFIU |
| Platforms | Own |
| Minimum Deposit | $0 |
| Minimum Trade | $1 |
| Account Currencies | USD, EUR, GBP, CAD, AUD, NZD, ZAR, TRY, SEK, NOK, DKK, CHF, HKD, PLN, CZK, AED, SAR, HUF, BRL, KES |
Pros
- The platform supports unified portfolio tracking across cryptocurrencies, stocks, ETFs, and more recently prediction markets, all within a single interface, simplifying asset management for multi-asset traders and providing consolidated insights.
- Crypto.com uses a cold wallet solution that integrates multi-signature technology and geographic distribution to enhance security. This approach ensures robust protection of user assets with highly secure offline storage.
- The Crypto.com Exchange platform offers sophisticated bots, including Dollar Cost Averaging (DCA), Time-Weighted Average Price (TWAP), and Grid Trading bots. These tools allow traders to automate strategies, including leveraged perpetual trades, minimizing manual effort and slippage.
Cons
- The app's high bid-ask spreads on many coins can be costly for traders placing market orders. Wide spreads mean the price you pay when buying is noticeably higher than the price you receive when selling, cutting into profits, especially on lower-volume trades.
- Withdrawal fees apply to crypto transfers and fiat withdrawals, and these can be significant for active traders making smaller transfers. The minimum withdrawal limits are also relatively high, which restricts flexibility for managing smaller portfolios or quick liquidity needs.
- Customer support primarily relies on chatbots and email, with limited reliable phone support from our testing. This can lead to delays in resolving urgent issues, such as account access or transaction problems, which can be frustrating for crypto day traders who need quick assistance.
AvaTrade
"AvaTrade offers active traders everything they need: an intuitive WebTrader, powerful AvaProtect risk management, a smooth 5-minute sign-up process, and dependable support you can rely on in fast-moving markets."
AvaTrade Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, ETFs, Bonds, Crypto, Spread Betting, Futures |
| Regulator | ASIC, CySEC, FSCA, ISA, CBI, JFSA, FSRA, BVI, ADGM, CIRO, AFM |
| Platforms | WebTrader, AvaTradeGO, AvaOptions, AvaFutures, MT4, MT5, AlgoTrader, TradingView, TradingCentral, DupliTrade |
| Minimum Deposit | $100 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:30 (Retail) 1:400 (Pro) |
| Account Currencies | USD, EUR, GBP, CAD, AUD |
Pros
- Years on, AvaTrade remains one of the few brokers offering a bespoke risk management tool, AvaProtect, that insures losses up to $1M for a fee and is easy to activate on the platform.
- AvaTrade launched AvaFutures to offer low-margin access to global markets, then expanded in 2025 as one of the first brokers to add CME’s Micro Grain Futures, and then later in the year went further by integrating with TradingView.
- The WebTrader excelled in our hands-on tests, sporting a user-friendly interface for beginners, complete with robust charting tools like 6 chart layouts and 60+ technical indicators.
Cons
- AvaTrade’s WebTrader has improved, but work is still needed in terms of customizability – frustratingly widgets like market watch and watchlists can’t be hidden, moved, or resized.
- While signing up is a breeze, AvaTrade lacks an ECN account like Pepperstone or IC Markets, which provides the raw spreads and ultra-fast execution many day traders are looking for.
- The AvaSocial app is good but not great – the look and feel, plus the navigation between finding strategy providers and account management needs upgrading to rival category leaders like eToro.
XTB
"XTB stands out as a top choice for new day traders with the terrific xStation platform, low trading costs, no minimum deposit, and excellent educational tools, many of which are seamlessly integrated into the platform. "
XTB Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs on shares, Indices, ETFs, Raw Materials, Forex currencies, cryptocurrencies, Real shares, Real ETFs |
| Regulator | FCA, CySEC, KNF, DFSA, FSC |
| Platforms | xStation |
| Minimum Deposit | $0 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:30 (EU) 1:500 (Global) |
| Account Currencies | USD, EUR, GBP |
Pros
- Opening an XTB account is a hassle-free, entirely online process that takes just a few minutes, making the entry into day trading smooth for new traders.
- XTB offers fast withdrawals with payment within 3 business days, depending on the method and amount.
- With an excellent range of educational materials, including training videos and articles integrated into the platform, XTB supports traders at all levels.
Cons
- Not being able to adjust the default leverage level of XTB products is frustrating, as manual adjustment can significantly mitigate trade risk, especially in forex and CFD trading.
- Trading fees are competitive with average spreads of around 1 pip on the EUR/USD but still trail the cheapest brokers like IC Markets, plus there's an inactivity fee after 12 months.
- XTB discontinued support for MT4, limiting traders to its proprietary platform, xStation, potentially deterring advanced day traders familiar with the MetaTrader suite.
Higher interest rates are forcing brokers to think differently. The last few years have seen interest rates across the US and UK floating around 5% and 4.5% in the Eurozone.
When you can make this without lifting a finger, day trading returns have to be higher to make it a worthwhile activity. And uninvested cash in trading accounts making zero is a lost opportunity.
FAQ
Which Broker Pays The Highest Interest On Uninvested Cash?
We’ve listed the brokers paying the highest interest on uninvested cash, with XTB standing after recently introducing a 4.5% rate on all balances.
However, we don’t recommend choosing a day trading broker solely based on how much interest they’re paying on unused funds. Equally important is the quality of their trading environment, which our ratings take into account.
What Is The Minimum Balance I Need In My Trading Account To Earn Interest?
This varies by online broker. Some brokerages cater to traders with modest balances, notably CMC Markets, paying interest on balances from just $0.01. Other trading platforms cater to investors with higher account balances, notably Saxo, paying interest on $10,000+.
It’s important to consider the amount you plan to leave in your trading account to get the best rate. For example, XTB pays 5+% interest on all balances, while eToro only pays 5% interest on balances of 50k+.
What Do You Need To Do To Earn Interest In A Brokerage Account?
Other than meeting the minimum deposit requirements – mostly nothing. The majority of brokerages automatically pay interest on uninvested cash as long as it is held in the correct account.
For example, Interactive Brokers pays cash on securities accounts only, not commodities accounts. Alternatively, eToro requires traders to hold a Club Member account and switch on ‘Interest on Balance’ in their profile settings.
When Do Brokers Pay Interest On Unused Balances?
Most brokers pay interest monthly, with the interest calculated daily. This means you can add cash to your account on any day throughout the month, and your interest will be calculated from that day.
Platforms generally specify a day of the month that the interest will be paid. For example, XTB pays interest on the 5th working day of the month.
Can Brokers Change Interest Rates?
Yes, the interest rate can change. Brokers decide their interest rates based on government interest rate benchmarks, which will fluctuate depending on the economic environment.
Almost every day trading broker we examined confirmed that interest rates are subject to change with varying frequencies. For example, XTB recalculates their interest rates daily, while at eToro it’s quarterly.
Article Sources
- XTB Details On Cash Interest
- Saxo Details On Cash Interest
- eToro Details On Cash Interest
- AvaTrade Details On Cash Interest
- Interactive Brokers Details On Cash Interest
- CMC Details On Cash Interest
- FreeTrade Details On Cash Interest
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