Best Brokers That Pay Interest On Uninvested Cash 2025

Written By

James Barra

Fact Checked By

Jemma Grist

Updated

Mar 3, 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 March 2025.

Best Brokers That Pay Interest On Cash

These are the top 6 day trading brokers paying interest on uninvested cash:

This is why we think these brokers are the best in this category in 2025:

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.
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.
Interactive Investor - Interactive Investor are a hugely respected, FCA-regulated investing firm. The trading platform is easy-to-use while the sign-up and deposit process is straightforward for new investors. ii also has a long track record and a string of industry awards under its belt.
CMC Markets - Established in 1989, CMC Markets is a respected broker listed on the London Stock Exchange and authorized by several tier-one regulators, including the FCA, ASIC and CIRO. More than 1 million traders from around the world have signed up with the multi-award winning brokerage.

Best Brokers That Pay Interest On Uninvested Cash 2025 Comparison

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
AvaTrade	USD: 2.7%	$100	CFDs, Forex, Stocks, Indices, Commodities, ETFs, Bonds, Crypto, Spread Betting, Futures	WebTrader, AvaTradeGO, AvaOptions, AvaFutures, MT4, MT5, AlgoTrader, TradingCentral, DupliTrade	ASIC, CySEC, FSCA, ISA, CBI, FSA, FSRA, BVI, ADGM, CIRO, AFM
Interactive Investor	USD: 5.1%, GBP: 4.85%	£0	Stocks, Funds, Trusts, ETFs, Bonds, Gilts, VCTs	Own	FCA
CMC Markets	USD: 2%	$0	CFDs, Forex, Stocks, Indices, Commodities, ETFs, Treasuries, Custom Indices, Spread Betting	Web, MT4	FCA, ASIC, MAS, CIRO, BaFin, FMA, DFSA

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

IBKR is one of the most respected and trusted brokerages and is regulated by top-tier authorities, so you can have confidence in the integrity and security of your trading account.
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.
The TWS platform has clearly been built for intermediate and advanced traders and comes with over 100 order types and a reliable real-time market data feed that rarely goes offline.

Cons

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.
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.
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.

Visit Interactive Brokers

Interactive Brokers Review

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."
Jemma Grist, Reviewer

eToro USA Quick Facts

Bonus Offer	Invest $100 and get $10
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
eToro USA Securities is a trustworthy, SEC-regulated broker that is a member of FINRA and SIPC
Investors can access Smart Portfolios for a more hands-off approach, covering a range of sectors and markets such as renewable energy and artificial intelligence

Cons

There's no MetaTrader 4 platform integration for traders who are accustomed to using third-party charting tools
Average fees may cut into the profit margins of day traders
There's a narrower range of day trading instruments available compared to competitors, with only stocks, ETFs and cryptos

Visit eToro USA

eToro USA Review

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."
Jemma Grist, Reviewer

Moomoo Quick Facts

Bonus Offer	Get up to 15 free stocks worth up to $2000
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

The broker offers access to extended pre-market trading hours
There is no minimum deposit requirement making the broker accessible for beginners
Moomoo is a Member of FINRA and the Securities Investor Protection Corporation (SIPC), adding another level of security for prospective clients

Cons

It's a shame that there is no 2 factor authentication (2FA), despite the other security features on offer
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

Visit Moomoo

Moomoo Review

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."
Jemma Grist, Reviewer

AvaTrade Quick Facts

Bonus Offer	20% Welcome Bonus up to $10,000
Demo Account	Yes
Instruments	CFDs, Forex, Stocks, Indices, Commodities, ETFs, Bonds, Crypto, Spread Betting, Futures
Regulator	ASIC, CySEC, FSCA, ISA, CBI, FSA, FSRA, BVI, ADGM, CIRO, AFM
Platforms	WebTrader, AvaTradeGO, AvaOptions, AvaFutures, MT4, MT5, AlgoTrader, 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 continues to enhance its suite of products, recently through AvaFutures, providing an alternative vehicle to speculate on over 35 markets with low day trading margins.
Support at AvaTrade performed excellently during testing, with response times of 3 minutes and localized support in major trading jurisdictions, including the UK, Europe and the Middle East.

Cons

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.
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.
Although the deposit process itself is smooth, AvaTrade still doesn’t facilitate crypto payments, a feature increasingly offered by brokers like TopFX, which caters to crypto-focused traders.

Visit AvaTrade

AvaTrade Review

Interactive Investor

"Interactive Investor is an excellent pick for UK traders interested in longer-term investing products like ISAs and SIPP accounts. The low fixed fees for large portfolios and 40,000+ stocks will also appeal to traders with a decent bankroll."
Tobias Robinson, Reviewer

Interactive Investor Quick Facts

Demo Account	No
Instruments	Stocks, Funds, Trusts, ETFs, Bonds, Gilts, VCTs
Regulator	FCA
Platforms	Own
Minimum Deposit	£0
Minimum Trade	£25
Account Currencies	GBP

Pros

No minimum deposit
User-friendly investment app
Excellent market research

Cons

No free demo account
No copy trading tools

Visit Interactive Investor

Interactive Investor Review

CMC Markets

"With advanced charting tools and an extensive range of tradable CFDs, including an almost unrivalled selection of currencies and custom indices, CMC Markets provides a fantastic online platform for traders of all levels. "
Christian Harris, Reviewer

CMC Markets Quick Facts

Demo Account	Yes
Instruments	CFDs, Forex, Stocks, Indices, Commodities, ETFs, Treasuries, Custom Indices, Spread Betting
Regulator	FCA, ASIC, MAS, CIRO, BaFin, FMA, DFSA
Platforms	Web, MT4
Minimum Deposit	$0
Minimum Trade	0.01 Lots
Leverage	1:30 (Retail), 1:500 (Pro)
Account Currencies	USD, EUR, GBP, CAD, AUD, NZD, SEK, NOK, SGD, PLN

Pros

CMC Markets is heavily regulated by reputable financial authorities and maintains its stellar reputation, helping to ensure a secure and trustworthy trading environment.
The web platform delivers a fantastic user experience with advanced charting tools for day trading and customizable features, catering to both beginners and experienced traders. MT4 (but not MT5) is also supported.
The brokerage continues to stand out with its wide range of value-add resources, including pattern recognition scanners, webinars, tutorials, news feeds, and research from respected sources like Morningstar.

Cons

Trading stock CFDs incurs a relatively high commission, especially compared to the cheapest brokers like IC Markets.
The CMC Markets app offers the complete trading package but the design and user experience trails category leaders like eToro.
Despite improvements, the web platform still requires enhancements to make it as intuitive to trade on as software from rivals like IG.

Visit CMC Markets

CMC Markets Review

Visual showing traders can earn interest while identifying day trading opportunities

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.

James Barra

Author

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

The writing and editorial team at DayTrading.com use credible sources to support their work. These include government agencies, white papers, research institutes, and engagement with industry professionals. Content is written free from bias and is fact-checked where appropriate. Learn more about why you can trust DayTrading.com