Make your uninvested cash work for you 

Benefit from changes in market conditions on each currency immediately. Earn interest income on your uninvested cash with no lock-in period or upper limit on amount paid. Your funds will remain available to withdraw or invest, while earning interest on a daily basis. 

You can use the interactive interest calculator to estimate the total interest received on your uninvested cash depending on deposit amount and currency.

How much interest could I earn?

Loading Information
Sorry, we’re investigating the issue. Please try again later.

Annual interest on

Account Tier Annual InterestInterest Rate

Rates as of x.xx.xxxx [The prices above are indicative and will vary according to the country of residency. A full overview of exact pricing is available through the platform trade tickets.]

icon - info btn updatedThe interest rates in the calculator above will be effective as of 1 April 2023 based on current reference rates. For interest conditions valid until 31 March 2023 please click here.

  • Market rates, updated daily

    Our interest rates are updated daily based on market conditions which means adjustments to central bank policy are reflected immediately.
  • Interest on different currencies

    Deposit in CHF or other currencies – interest on uninvested cash will be calculated based on market conditions for each currency. 
  • Get higher rates with larger deposits

    If the size of your deposit increases, you will earn higher interest. Your interest rate is determined by the Saxo Bid Rate and the amount of your uninvested cash (Net Free Equity). See indicative interest rates here.
  • Use your trading account to earn on deposits

    Stay flexible – uninvested cash in your account can be used invest or withdraw with no lock-in periods.

How it works

You earn interest on the uninvested cash on your account in each currency.

If your total balance does not exceed Level A, no interest will be paid.

If your total balance is above Level A, you will receive a variable interest rate, scaled proportionally with the deposit amount. The more you deposit, the higher the interest rate applied to your total balance.

For balance amounts above Level B, you will receive the highest interest rate on the additional balance with no upper limit or lock-in period on the deposit.

Refer to the calculator at the top of the page to estimate the effective interest rate on your balance depending on total balance and currency.

Please note that when you trade margin products, your interest is calculated based on your Net Free Equity (NFE) and Account Value which you can read more about in our FAQ.

Read more about Net Free Equity here.
You can find an overview of the daily interest you have earned on the Account Page in the platform. Navigate to Historical Reports > Account Interest Details. Here you can see applied interest rates and amounts credited to your account for different periods.
If you have a negative cash balance, you will be charged negative interest based on the market rate, plus a mark-up. To read more about how the rate for a negative cash balance is calculated, click here.
Level A20,00010,0000
Level B100,000100,000100,000
Level A10,00010,00010,000
Level B100,000100,000100,000
Level A10,00010,00010,000
Level B100,000100,000100,000

*Equivalent in all other currencies

The investment tools you need

The investment tools you need

With your new Saxo account, you take control over your investment no matter where and when. With our selection of award-winning platforms, you can easily invest in thousands of investment products from different devices. Execute your next great trade with SaxoTraderGO or build sophisticated strategies using several screens on SaxoTraderPRO—it all depends on how you want to invest.

Mac OS

Mac OS

30+ years

Experience in the industry



20+ bn

EUR daily trade volume


Industry awards

Get started in 5 minutes

Open your Saxo account today

Saxo Bank (Schweiz) AG
Beethovenstrasse 33

Contact Saxo

Select region


All trading carries risk. Losses can exceed deposits on margin products. You should consider whether you understand how our products work and whether you can afford to take the high risk of losing your money. To help you understand the risks involved we have put together a general Risk Warning series of Key Information Documents (KIDs) highlighting the risks and rewards related to each product. The KIDs can be accessed within the trading platform. Please note that the full prospectus can be obtained free of charge from Saxo Bank (Switzerland) ltd. or the issuer.

This website can be accessed worldwide however the information on the website is related to Saxo Bank (Switzerland) Ltd. All clients will directly engage with Saxo Bank (Switzerland) Ltd. and all client agreements will be entered into with Saxo Bank (Switzerland) Ltd. and thus governed by Swiss Law.

The content of this website represents marketing material and has not been notified or submitted to any supervisory authority.

If you contact Saxo Bank (Switzerland) Ltd. or visit this website, you acknowledge and agree that any data that you transmit to Saxo Bank (Switzerland) Ltd., either through this website, by telephone or by any other means of communication (e.g. e-mail), may be collected or recorded and transferred to other Saxo Bank Group companies or third parties in Switzerland or abroad and may be stored or otherwise processed by them or Saxo Bank (Switzerland) Ltd. You release Saxo Bank (Switzerland) Ltd. from its obligations under Swiss banking and securities dealer secrecies and, to the extent permitted by law, data protection laws as well as other laws and obligations to protect privacy. Saxo Bank (Switzerland) Ltd. has implemented appropriate technical and organizational measures to protect data from unauthorized processing and disclosure and applies appropriate safeguards to guarantee adequate protection of such data.

Apple, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.