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?

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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.

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Saxo Capital Markets HK is a company authorised and regulated by the Securities and Futures Commission of Hong Kong. Saxo Capital Markets HK Limited 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

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