Does eToro offer interest on your balance?
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Table of Contents
Quick Answer – Does eToro offer interest on your cash?
Yes – eToro offers up to 4.3% annual interest on USD balances for eligible UK and EU users. There’s no lock-in, payments are made monthly, and activation is simple via your Club Dashboard, making it a low-effort way to earn more.
What Is eToro’s USD Interest Feature?
When activated, eToro pays interest on your idle USD cash balance at competitive rates. Your funds remain accessible at all times, and interest is automatically credited monthly without the need for any trading activity.
Who Can Access It in the UK and EU?
Eligible eToro account holders in the UK, EU, Jersey, Gibraltar, Guernsey, and the Isle of Man can use the feature. The minimum balance required is just $1, and there’s no restriction on withdrawing or using your funds.
Table – Overview
| Feature | Details |
|---|---|
| Max Rate | 4.3% APY |
| Min. Balance | $1 |
| Payment | Monthly |
| Lock-in | None |
What Are the Current UK/EU Rates?
UK and EU users can earn up to 4.3% APY on their USD balance. The rate depends on your total balance, with higher amounts unlocking the maximum rate. Interest is paid monthly and calculated daily for accuracy.
| Balance | Rate |
|---|---|
| $1–$50k | 3.5% |
| $50k+ | 4.3% |
How to Activate your interest on cash
- Log in to your eToro account
- Open the Club Dashboard
- Toggle “Interest on USD Cash Balance”
- Start earning monthly interest on your eligible USD funds immediately.
Who Is This Feature Best For?
This feature benefits anyone holding USD in their account — from active traders wanting extra yield on idle cash to passive investors seeking low-effort returns.
| Type | Suitable? | Reason |
|---|---|---|
| Active Traders | Yes | Earn on idle USD |
| Passive Holders | Yes | Steady; no lock-in |
| Beginners | Yes | Easy setup |
Pros and Cons
| Pros | Cons |
|---|---|
| Up to 4.3% APY | USD only |
| No lock-in | Must activate |
Final Verdict – Is It Worth Activating?
For UK and EU traders holding idle USD balances on eToro, this feature offers an easy, low-effort way to earn up to 4.3% APY. With no lock-in and monthly payouts, it’s a smart choice for maximising uninvested funds.
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FAQs
Can I earn interest on currencies other than USD?
No — the interest feature currently applies only to your available USD cash balance on eToro.
How often is interest paid into my account?
Interest is calculated daily and paid into your eToro balance once per month.
Do I need to lock my funds to earn interest?
No — your funds remain accessible at all times, with no lock-in period.
