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Earn interest on your account​

Paid on uninvested cash on our VIP account tier. No lock-in or cap, your rate tracks the market, before you invest.

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What interest could I earn?

SGD
SGD 1000
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Annual interest to be earnt on

Account Plan Annual InterestInterest Rate*

* Rates as of x.xx.xxxx Rates are provided on a per annum basis. The interest calculator is provided for illustrative purposes only and the information obtained by using the calculator is not, and should not be taken as financial advice to any individual or corporation. Results may vary depending on the accuracy of the information you provide and prevailing interest rates and/or assumptions. Notwithstanding, Saxo’s interest rates are subject to the provisions of our General Business Terms.

  • Get the market rate

    As rates are updated daily based on market conditions, you don’t have to wait for adjustments when market rates change.

  • Interest on different currencies

    Earn interest that follows the market rate regardless whether your account is in SGD, USD and/or other currencies.

  • Earn higher interest

    With no cap on the amount you can earn, you’ll earn more interest the more you deposit.

  • No lock-in period

    While you wait for the next investment opportunity, your uninvested funds earn interest, with no lock-in whatsoever.
img-breaker SG

How it works

All clients on our VIP account tier will earn interest on your account balance above SGD 5,000 (or equivalent) at a rate varying with your account balance. So the more you deposit, the higher rate you will earn.

You will earn the best rate on your account balance above SGD 100,000 (or equivalent), with no cap on how much you can deposit. With no lock-in, your funds will remain available to withdraw or invest, while earning interest.

You can refer to the calculator at the top of the page to estimate the effective interest rate on your balance depending on your account tier, balance(s) and currency(ies). The higher you upgrade your account tier, the better interest rate you will earn.

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 here.

Read more about Net Free Equity here.

Saxo pays interest on uninvested cash on our VIP account tier. With no lock-in period or cap, your rate tracks the market rate, as you prepare to invest.​

You can check your account tier on the platform.

  • Main menu  > Your account > Saxo Rewards
If you have a negative account balance, you will be charged negative interest based on the market rate, plus a mark-up. If you trade margin products, such interest is calculated based on your Negative Net Free Equity / Account Value. To read more about how the rate for a negative account balance is calculated, click here.
Click below to see detailed transaction fees for a specific product.

Stocks  -   ETFs -  Bonds  -  Futures  -  Commodities  -  Listed options  -  FX  -  CFDs  -  Crypto ETP   -  Crypto FX   -  Mutual Funds

You generally pay transaction fees at the time of trade, in the form of a commission or a spread, depending on the instrument. You can see transaction costs on the trade ticket of a specific instrument.

Saxo operates as a Capital Markets Services (CMS) Licence holder in Singapore (and not as a bank or finance company). Therefore uninvested cash in your Saxo account is not covered by the Deposit Insurance Scheme that is administered by the Singapore Deposit Insurance Corporation.

Saxo is regulated by the Monetary Authority of Singapore and all of your monies are segregated from Saxo’s own funds and held on trust with HSBC (one of the world’s leading banking institutions). Our parent company Saxo Bank A/S has also received an investment grade A- rating from S&P Global Ratings, representing the Saxo Group’s dedication to maintaining a strong financial position, resilient business model and providing cutting-edge services to its clients.

Choose your plan

01 / 05

  • Transaction fees

    US stocks from USD 2

    US stock options from USD 2

    SG stocks from SGD 5

    See all products

    Real-time market data

    Fees apply

    No custody fee1




     

    Free


  • Transaction fees

    US stocks from USD 1.50

    US stock options from USD 1

    SG stocks from SGD 3

    See all products

    Free real-time market data2 on

    US stocks

    No custody fee1

    Commission rebates SGD 5/month
    A further SGD 5/month if you invest
    SGD 25,000 in SaxoWealthCare

    Plus earn up to 2.81% interest3, with no lock-up

    SGD 5/month

    or free with 5,000 points

  • Transaction fees

    US stocks from USD 1

    US stock options from USD 0.75

    SG stocks from SGD 2

    See all products

    Free real-time market data2 on

    US, EU, UK & CH stocks

    No custody fee1

    Commission rebates SGD 15/month
    SGD 30/month if you invest
    SGD 25,000 in SaxoWealthCare

    Cash rebates on FX/CFDs
    USD 3/USD 1M Notional Value4

    Plus earn up to 3.31% interest3, with no lock-up

    SGD 15/month

    or free with 15,000 points

  • Transaction fees

    US stocks from USD 0.50

    US stock options from USD 0.50

    SG stocks from SGD 1.50

    See all products

    Free real-time market data2 on

    US, EU, UK, CH & SG stocks

    No custody fee1

    Commission rebates SGD 45/month
    SGD 100/month if you invest
    SGD 100,000+ in SaxoWealthCare

    Cash rebates on FX/CFDs
    USD 5/USD 1M Notional Value4

    Plus earn up to 3.81% interest3, with no lock-up

    SGD 45/month

    or free with 45,000 points

  • Transaction fees

    US stocks from USD 0.25

    US stock options from USD 0.25

    SG stocks from SGD 1

    See all products

    Free real-time market data2 on

    US, EU, UK, CH, SG & HK stocks

    No custody fee1

    Commission rebates SGD 145/month
    SGD 365/month if you invest
    SGD 300,000+ in SaxoWealthCare

    Cash rebates on FX/CFDs
    USD 10/USD 1M Notional Value4

    Plus earn up to 4.56% interest3, with no lock-up

    SGD 145/month

    or free with 145,000 points

Our account tiers

Trade more, pay less and get better service

  • note
    Welcome 2025: All new clients opening an account will be upgraded to our Platinum account tier and enjoy savings of over 25% when investing with our Platinum pricing. Just fund your new account within 30 days to enjoy this offer. See terms and conditions.

    • Classic

      Benefit from competitive entry prices.

      No minimum funding required.

      Transaction fees

      US stock and ETFs0.08%

      US stock options USD 2

      US stock CFDs0.06%

      Major FX pairs from 0.6 pips

      See fees for all products

      Benefits

      Support-24h

      24/5 technical and account support

    • Platinum

      Receive even tighter spreads and commissions.

      Qualify with a deposit of SGD 300,000+ or a higher trading volume.

      See how to qualify

      Transaction fees

      US stock and ETFs 0.05%

      US stock options USD 1

      US stock CFDs0.05%

      Major FX pairs from 0.5 pips

      See fees for all products

      Benefits

      Support-24h

      24/5 technical and account support

      Persons

      Priority customer support

    • VIP

      Get the VIP treatment with our best prices and service.

      Qualify with a deposit of SGD 1,500,000+ or a higher trading volume.

      See how to qualify

      Transaction fees

      US stock and ETFs 0.03%

      US stock options USD 0.75

      US stock CFDs0.04%

      Major FX pairs from 0.4 pips

      See fees for all products

      Benefits

      Support-24h

      24/5 technical and account support

      Persons

      Priority customer support

      Persons

      Earn up to 3.55% interest on uninvested cash

      Star ticket

      Invitations to exclusive events

      Calculate your interest

    1 If opted in to Securities Lending
    2 Free live market data applicable for level 1. T&Cs apply.
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    Losses can exceed deposits on margin products. Please ensure you understand the risks.

    Saxo Capital Markets Pte Ltd ('Saxo Markets') is a company authorised and regulated by the Monetary Authority of Singapore (MAS) [Co. Reg. No.: 200601141M ] and is a wholly owned subsidiary of Saxo Bank A/S, headquartered in Denmark. Please refer to our General Business Terms & Risk Warning to consider whether acquiring or continuing to hold financial products is suitable for you, prior to opening an account and investing in a financial product.

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