country flag
  1. Home
  2. Trading News
  3. Broker News

XTB To Pay Up To 5% Interest On Uninvested Cash

Contributor Image
Written By
James Barra
Contributor Image
Written By
James Barra
Head of Content
James is Head of Content and a brokerage expert with a background in financial services. A former management consultant, he's worked on major operational transformation programmes at top European banks. A trusted industry name, James's work at DayTrading.com has been cited in publications like Business Insider.
» James Barra Profile Page
Contributor Image
Edited By
Tobias Robinson
Contributor Image
Edited By
Tobias Robinson
CEO and Head of Broker Testing Panel
Tobias is the CEO of DayTrading.com, an active investor, and a brokerage expert. He has over 30 years of experience in financial services, including supervising the reviews of more than 500 trading brokers, and contributing via CySEC to the regulatory response to digital options and CFD trading in Europe. Tobias' expertise make him a trusted voice in the industry, where he's been quoted in various financial organizations and outlets, including the Nasdaq.
» Tobias Robinson Profile Page
Contributor Image
Fact Checked By
William Berg
Contributor Image
Fact Checked By
William Berg
Securities Law Expert
William contributes to several investment websites, leveraging his experience as a consultant for IPOs in the Nordic market and background providing localization for forex trading software. William has worked as a writer and fact-checker for a long row of financial publications.
» William Berg Profile Page
Updated
Mar 5, 2026

XTB, a prominent and publicly traded broker, will start paying interest on uninvested cash balances. There is no minimum or maximum balance required to earn interest.

Key Takeaways

  • XTB will pay out up to 5% interest on unutilized deposits.
  • Accounts can start earning interest from 6 November 2023.
  • Interest is calculated daily and paid out monthly within 5 days of the following month.
  • The offer is available to new and existing clients.

Tiered Interest On Unused Cash Balances

The rate of interest will depend on the trader’s account balance and currency:

Note, interest rates are variable and may change each week
AUM USD GBP EUR
30K+ 5% 4.9% 3.8%
<30K 2.5% 2.5% 2%

XTB will deduct any taxes from monthly payments and send them directly to the respective authority. Clients can check the tax deducted in their monthly statement.

About XTB

XTB is a popular broker with over 780,000 clients and authorization from trusted regulators, including the FCA, CySEC and DFSA.

More than 5,800 instruments are available on the xStation platform, from stocks and indices to currencies and commodities.

XTB xStation trading platform
xStation

The web platform has been designed with beginners in mind. Alongside fast execution speeds with no requotes, it offers interactive charting, stock screeners, heatmaps and video tutorials.

There is no fee to open an XTB account and the broker accepts bank cards, wire transfers and popular e-wallets, including PayPal.

Your capital is at risk. Trade only with funds you can afford to lose.
Advertising Disclosure
Visit
Review
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.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 69-83% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money