Earn up to 4.5%* interest on your account

Saxo pays interest on most accounts. With no lock-in period or upper limit on your Account Value receiving interest, your rate tracks the market rate.

*Interest rates are indicative only and are subject to change in line with market conditions.

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.

The above rates are for reference only. For balances beyond the range shown in the calculator, Saxo clients can contact their Relationship Managers for information about interest rate.
  • Market rates, updated daily

    Our interest rates are updated daily based on market conditions.
  • Interest on different currencies

    Deposit in USD 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 decided by the market rate and your deposit amount.
  • No lock-in period

    Unlike with many bank deposit accounts, your funds earn interest with no lock-in whatsoever.

How it works

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

If your total balance is below USD 10,000, no interest will be paid.

If your total balance is above USD 10,000, 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 Platinum and VIP accounts, balance amounts above USD 100,000, you will earn the highest rate on your account balance with no upper limit or lock-in period on the deposit.

For Classic accounts, balance amounts above USD 150,000, you will earn the highest rate on your account 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 from the FAQ on the right.

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.

The investment tools you need

The investment tools you need

With your 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. Get inspired in SaxoInvestor, 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

USD daily trade volume


Industry awards

Get started in 5 minutes

Open your Saxo account today

Saxo Capital Markets HK Limited
19th Floor
Shanghai Commercial Bank Tower
12 Queen’s Road Central
Hong Kong

Contact Saxo

Select region

Hong Kong S.A.R
Hong Kong S.A.R

Saxo Capital Markets HK Limited (“Saxo”) is a company authorised and regulated by the Securities and Futures Commission of Hong Kong. Saxo holds a Type 1 Regulated Activity (Dealing in Securities); Type 2 Regulated Activity (Dealing in Futures Contract); Type 3 Regulated Activity (Leveraged Foreign Exchange Trading); Type 4 Regulated Activity (Advising on Securities) and Type 9 Regulated Activity (Asset Management) licenses (CE No. AVD061). Registered address: 19th Floor, Shanghai Commercial Bank Tower, 12 Queen’s Road Central, Hong Kong.

Trading in financial instruments carries various risks, and is not suitable for all investors. Please seek expert advice, and always ensure that you fully understand these risks before trading. Trading in leveraged products may result in your losses exceeding your initial deposits. Saxo does not provide financial advice, any information available on this website is ‘general’ in nature and for informational purposes only. Saxo does not take into account an individual’s needs, objectives or financial situation. Please click here to view the relevant risk disclosure statements.

The Saxo trading platform has received numerous awards and recognition. For details of these awards and information on awards visit www.home.saxo/en-hk/about-us/awards.

The information or the products and services referred to on this site may be accessed worldwide, however is only intended for distribution to and use by recipients located in countries where such use does not constitute a violation of applicable legislation or regulations. Products and services offered on this website are not directed at, or intended for distribution to or use by, any person or entity residing in the United States and Japan. Please click here to view our full disclaimer.

Apple, iPad and iPhone are trademarks of Apple Inc., registered in the US and other countries. AppStore is a service mark of Apple Inc. Android is a trademark of Google Inc.