Earn up to 4.5% interest on your free cash on a daily basis, while your funds remain available to withdraw or invest.

How much 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.

For balances beyond the range shown in the calculator, Saxo VIP clients can contact their relationship managers for information about the amount of interest that can be earned.
  • 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 USD or other currencies – interest on uninvested cash will be calculated based on market conditions for each currency. 
  • Earn higher interest

    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 in either USD, EUR or GBP.
  • No lock-in period

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

    How it works

    Level AUSD 10,000USD 10,000USD 10,000
    Level BUSD 100,000USD 100,000USD 100,000

    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.

    If you do not hold any margin positions, then your Net Free Equity is equal to your cash balance. For full Net Free Equity definition & conditions, please click 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.
    Yes, you have option to opt out of the interest rate on your funds with Saxo. To do so, please follow these steps:

    On our platforms, go to “Help” > “Contact us” > “Account support” > “General Inquiry” > “Write to us”

    In the message, please let us know that you like to opt out of the interest rate on your account. Our team will be happy to assist you with your request.

    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. 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



    17+ bn

    USD daily trade volume


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    Trade responsibly
    All trading carries risk. Read more. To help you understand the risks involved we have put together a series of Key Information Documents (KIDs) highlighting the risks and rewards related to each product. Read more

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