{"id":746260,"date":"2023-10-19T17:06:47","date_gmt":"2023-10-19T14:06:47","guid":{"rendered":"https:\/\/www.etoro.com\/investing\/interest-on-balance\/"},"modified":"2026-01-20T18:00:38","modified_gmt":"2026-01-20T16:00:38","slug":"interest-on-balance","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/au\/investing\/interest-on-balance\/","title":{"rendered":"Interest on Balance"},"content":{"rendered":"\n
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Home<\/a><\/span><\/span><\/p>\n

Earn up to 3.55% annual interest<\/b><\/b><\/strong><\/h1>\n\n\n\n

Get more from your money with eToro\u2019s interest on USD cash balance<\/p>\n\n\n\n

\nI\u2019m new to eToro<\/a>\n\n\n\nI have an account<\/a>\n<\/div>\n\n\n\n

Please refer to our Terms and Conditions<\/a><\/p>\n<\/div>\n\n\n\n

\n\"\"\"\"\"\"\"\"\n<\/div>\n<\/div>\n\n\n\n
\n

How to start<\/strong> earning interest<\/b><\/h2>\n\n\n\n
\n
\n\"Sign
Sign up<\/u> and verify your account<\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n

\"Make
Make a deposit<\/div>
\n

<\/p>\n<\/div><\/div><\/div>\n\n\n\n\"Turn

Turn on “Interest on USD Cash Balance” in your Club Dashboard<\/u><\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
\"\"<\/figure>\n\n\n\n

Sign up<\/a> and verify your account
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Make a deposit
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Turn on “Interest on USD Cash Balance” in your Club Dashboard<\/a>
  <\/h3>\n\n\n\n
\"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n

How to start<\/strong> earning interest<\/b><\/h2>\n\n\n\n
\n
\n\"Log
Log in<\/u> to your eToro account<\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n\"Go

Go to your Club Dashboard<\/u><\/div>
\n

<\/p>\n<\/div><\/div><\/a>\n\n\n\n

\"Activate
Activate the “Interest on USD Cash Balance” toggle <\/div>
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<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>\n<\/div>\n<\/div>\n\n\n\n
\n
\n
\"\"<\/figure>\n\n\n\n

Log in<\/a> to your eToro account
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Go to your Club Dashboard<\/a>
  <\/h3>\n\n\n\n
\"\"<\/figure>\n\n\n\n

Activate the “Interest on USD Cash Balance” toggle
  <\/h3>\n\n\n\n
\"\"<\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n
\n
\n

Could your money be<\/strong> doing more?<\/b><\/h2>\n\n\n\n

Activate eToro\u2019s interest on USD cash balance and start receiving interest payments straight to your account.<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\n
\n
\"Excellent
Excellent rates<\/div>
\n

Earn more on your uninvested funds with highly competitive interest rates <\/p>\n<\/div><\/div><\/div>\n\n\n\n

\"Monthly
Monthly payments<\/div>
\n

Interest earned is automatically paid into your eToro balance each month<\/p>\n<\/div><\/div><\/div>\n\n\n\n

\"No
No lock-in<\/div>
\n

Your funds remain fully accessible to withdraw at any time you wish<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n

\n
\n
\n

eToro’s<\/strong> interest rates<\/b><\/h2>\n\n\n\n

Activate eToro\u2019s interest on USD cash balance and start receiving interest payments straight to your account.<\/p>\n\n\n\n

<\/div><\/div>
<\/div><\/div>
Total balance required<\/th>$10,000<\/td>$25,000<\/td>$50,000<\/td>$250,000<\/td><\/tr>
Annual interest rate<\/th>0.5%<\/td>2.25%<\/td>3.25%<\/td>3.55%<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n
\n
\n
\n

Start earning<\/strong> annual interest<\/b><\/h2>\n\n\n\n
\nGet started<\/a>\n\n\n\nGet started<\/a>\n<\/div>\n\n\n\n

Please refer to our Terms and Conditions<\/a><\/p>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n

\n
\n
\n

FAQ<\/h2>\n\n\n\n
\n
What is the total balance required?<\/dt>
\n

The total balance required is what determines the interest rate that you will receive. It is the total realised equity in your account, including invested funds and available cash balance.<\/p>\n\n\n\n

Note that the rate <\/strong>which you will receive is determined by your total balance required<\/strong>. This rate is applied to the available USD cash balance only<\/strong>.<\/p>\n<\/dd><\/div>\n\n\n\n

What is the available USD cash balance?<\/dt>
\n

The available USD cash balance consists of non-invested funds currently in a client\u2019s trading account, and is the amount earning an interest payment.

Compound interest is paid, i.e., clients earn interest on funds from any previous interest payments that remain in their balance.<\/p>\n<\/dd><\/div>\n\n\n\n

How do I qualify?<\/dt>
\n

You will be entitled to the interest in accordance with your Club tier, as per the available cash balance, calculated daily and paid monthly.<\/p>\n<\/dd><\/div>\n\n\n\n

How do I activate the interest on USD cash balance in my eToro account?<\/dt>
\n

1. Log in<\/a> to your eToro account. (Don\u2019t have an account yet? Sign up here.<\/a>) <\/p>\n\n\n\n

2. Make sure that you have the total balance required in your account.<\/p>\n\n\n\n

3. Go to the eToro Club dashboard<\/a>. Scroll down to \u201cInterest on Balance,” then switch from \u201cDisabled\u201d to \u201cActive.\u201d<\/p>\n<\/dd><\/div>\n\n\n\n

How and when is the interest calculated?<\/dt>
\n

Although the interest rate is annual, it is calculated daily and paid monthly. Each day, the balance earning interest is calculated. This amount is multiplied by the daily interest rate, (which is the annual rate divided by 365). At the end of each month, the cumulative amount of interest is totalled and then paid automatically no later than the 5th business day of the following month.<\/p>\n<\/dd><\/div>\n\n\n\n

When is the interest added to my account?<\/dt>
\n

Payment is made automatically no later than the 5th business day of the following month, early morning GMT time.<\/p>\n<\/dd><\/div>\n\n\n\n

What is the minimum amount for payment?<\/dt>
\n

The minimum amount of interest to earn for payment is $0.01. <\/p>\n<\/dd><\/div>\n\n\n\n

If I activate interest on USD cash balance sometime mid-month, will I earn interest for that entire month?<\/dt>
\n

No. Interest is earned from the day that the user actually opts in, provided they continue to be eligible and have the total balance required to earn the interest payment.<\/p>\n<\/dd><\/div>\n\n\n\n

Will I have to pay taxes on the interest received?<\/dt>
\n

Taxes due will depend on regulations in your country of residence. You are responsible for all applicable taxes related to accepting interest payments from eToro. In some jurisdictions, eToro will be required to withhold taxes payable on your behalf and remit them directly to the relevant tax authority.<\/p>\n<\/dd><\/div>\n\n\n\n

Do I have to pay any fees?<\/dt>
\n

No additional charges apply in relation to interest payments.<\/p>\n<\/dd><\/div>\n\n\n\n

Are my funds safeguarded?<\/dt>
\n

As a regulated company we are required to safeguard your funds in accordance with specific client money rules. eToro (Europe) Ltd is a member of the Investor Compensation Fund (ICF<\/a>), which compensates investors only up to twenty thousand EUR. Additionally, in certain cases your funds deposited in eligible European banks are backed by the Deposit Guaranteed Scheme (DGS<\/a>). The DGS has a maximum payout limit of up to EUR 100.000 \/ GBP 85.000 per depositor, per bank.<\/p>\n<\/dd><\/div>\n\n\n\n

Other important information<\/dt>
\n

eToro holds the right to refuse to allow any client to enter the Interest on Balance program and\/or remove any client from participation in the program, if found in violation of any applicable policies, rules and\/or regulations. The program may be renewed at a lower interest rate.<\/p>\n<\/dd><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

How to start earning interest Sign up and verify your account   Make a deposit   Turn on “Interest on USD Cash Balance” in your Club Dashboard   How to start earning interest Log in to your eToro account   Go to your Club Dashboard   Activate the “Interest on USD Cash Balance” toggle   Could your money be doing more?…<\/p>\n","protected":false},"author":119,"featured_media":1137747,"parent":265289,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-746260","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"Earn up to 3.55% annual interest on eToro<\/title>\n<meta name=\"description\" content=\"Get more from your money with eToro\u2019s interest on balance! 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