Start saving on investment fees today
Cut your costs down to size with Saxo. Save hundreds of dollars each year as a Classic client, or make further savings as a Platinum or VIP.
Increased buying power
Increase your exposure and potential profits, with up to 3.3x leverage on individual stocks and ETFs.
Simple loan facility
Use cash or securities on your account as collateral for a margin loan.
Low commissions
Pay just 3 USD to buy US stocks – and benefit from equally low rates for Hong Kong and international equities.
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0 HKD
5.50%
2,315 HKD
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33 HKD
6.80%
2,896 HKD
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3.00 USD
2.98%
263 USD
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0.00 USD
5.50%
479 USD
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1.99 USD
4.80%
420 USD
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0.00 USD
9.50%
828 USD
Industry-leading margin lending rates
| VIP | Platinum | Classic | |
| HKD | 1M Benchmark Rate* + 1.62% | 1M Benchmark Rate* + 2.62% | 1M Benchmark Rate* + 3.62% |
| USD | 1M LIBOR + 1.50% | 1M LIBOR + 2.00% | 1M LIBOR + 2.90% |
Ultra-competitive stock commissions
We offer three levels of pricing depending on your account tier.
| Exchange | VIP | Platinum | Classic |
 NYSE | 0.005 USD/share (Min. USD 3) | 0.0065 USD/share (Min. USD 3) | 0.008 USD/share (Min. USD 3) |
| Nasdaq (XETRA) | 0.005 USD/share (Min. USD 3) | 0.0065 USD/share (Min. USD 3) | 0.008 USD/share (Min. USD 3) |
 HKEX | 0.05% (Min. HKD 18) | 0.05% (Min. HKD 18) | 0.05% (Min. HKD 18) |
Frequently asked questions
For new to Saxo clients, you can tick the “I would like to open a Margin Lending account” question during the onboarding journey
If you already have an account with Saxo- On Saxo TraderGo: You can request to add a Margin Lending account via the trading platform. Simply go to ‘Contact Support’, then ‘Request Margin Lending account’.
- On SaxoInvestor: You can request to add a Margin Lending account by clicking the “Click to open a margin lending account” banner on the main Markets page on the platform
Since the leverage on a margin lending account is financed via a loan, you will need to pay an interest charge when utilising the facility.
The interest rate you pay on the loan is comprised of two components: the benchmark rate (Bloomberg Composite of Interbank Offered Rates for 1-month deposits) plus a fixed mark-up. The interest rate is dependent on the currency of the sub-account, ie the interest rate on HKD and USD accounts will be different.
Please note that the daily interest is calculated based on the net cash balance on each sub-account (in different currencies). You can see the associated trading costs for individual instruments under ‘Trading Conditions’ on the platform.
The interest rate you pay on the loan is comprised of two components: the benchmark rate (Bloomberg Composite of Interbank Offered Rates for 1-month deposits) plus a fixed mark-up. The interest rate is dependent on the currency of the sub-account, ie the interest rate on HKD and USD accounts will be different.
Please note that the daily interest is calculated based on the net cash balance on each sub-account (in different currencies). You can see the associated trading costs for individual instruments under ‘Trading Conditions’ on the platform.
For the key risks of margin trading, please click here.
Imagine you deposited USD 10,000 on your Margin Lending account and plan to buy 1,000 shares in the US listed Stock ABC, priced at USD 25/share.
Stock ABC has a risk rating 1, with an initial collateral value of 63% and maintenance collateral value of 70% (haircut = 30%). This means you’ll need to put up 37% of the transaction value as collateral (cash or positions) to open the position. This will give you an effective leverage of up to 2.70x your capital at the time of opening.
After the trade, your net cash balance will change from USD 10,000 to minus USD 15,000, since you have now borrowed USD 15,000 to finance the position value of USD 25,000.
After the trade you will have utilised 86% of your account’s maintenance collateral value. That means you’ll have USD 750 left as unused initial collateral to open new positions worth up to USD 2,027 (assuming a risk rating 1 stock with 63% initial collateral value).
| Pre Trade | Post Trade | ||
 |  | ||
| Position details - Stock ABC | Position details - Stock ABC | ||
| # shares | - | # shares | 1,000.00 |
| Share Price | - | Share Price (USD) | 25.00 |
| Market Value | - | Market Value (USD) | 25,000.00 |
| Risk Rating | - | Risk Rating | 1.00 |
| Initial Collateral Value (%) | - | Initial Collateral Value (%) | 63% |
| Maintenance Collateral Value (%) | - | Maintenance Collateral Value (%) | 70% |
| Haircut (Maintenance Margin Req., %) | - | Haircut (Maintenance Margin Req., %) | 30% |
Please note that the above example does not take transactional costs (commissions etc) and financing costs (interest) when holding the position overnight into account.
For more FAQ, please click here.