Invest even when you're not investing

Earn interest on unused funds in your CFDs account.

With OANDA, you can earn up to 7% APY* based on your daily unused margin. Now your money's earning interest even when it's not invested.

Control the level of free funds. We check the level of free cash funds daily. We only take into account the level of free cash for calculating interest rates and verifying the required deposit without taking into account the value of your investments, including the margin on your investments in financial instruments. Failure to exceed the threshold of required free funds will result in no interest rate being applied or a reduction in the interest rate until the conditions are met again.

OPEN ACCOUNT

Invest even when you're not investing

Earn interest on unused funds in your CFDs account.

With OANDA, you can earn up to 7% APY* based on your daily unused margin. Now your money's earning interest even when it's not invested.

OPEN ACCOUNT

Get started

Just open an account and make deposit. Interest rates of 6%, 6.5% and 7% apply for the first 90 days from opening the account.

Qualify

Earn 7% when your daily unused margins are between 10 000 EUR and 25 000 EUR, 6,5% when your daily unused margins are between 3 000 EUR and 9 999 EUR, or 6% when your daily unused margins are not higher than 2 999 EUR*. You don't have to do anything, you're automatically enrolled.

Get interest

The earned interest for a given calendar month will be credited into your OANDA account within 10 business days after the last calendar day of the month*.

OPEN ACCOUNT

*Interest rates and free margin (terms and conditions)

	EUR	USD	GBP	PLN	CZK
Basic accounts - 6% interest rates for first 90 days (annaulized interest rate)
Required amount of free funds	Below 3 000 EUR	Below 3 000 USD	Below 2 500 GBP	Below 10 000 PLN	Below 60 000 CZK
Premium accounts - 6,5% interest rates for first 90 days (annaulized interest rate)
Required amount of free funds	3 000 -9 999,99 EUR	3 000 - 9 999,99 USD	2 500 -9 999,99 GBP	10 000 -49 999,99 PLN	60 000 -299 999,99 CZK
Elite accounts - 7% interest rates for first 90 days (annaulized interest rate)
Required amount of free funds	From 10 000 EUR	From 10 000 USD	From 10 000 GBP	From 50 000 PLN	From 300 000 CZK
Interest rates after the first 90 days
Basic, Premium and Elite accounts	0,5%	0,5%	0,5%	0,5%	0,5%
Range that we calculate interest rates
Basic, Premium and Elite accounts	0 - 25 000 EUR	0 - 25 000 USD	0 - 25 000 GBP	0 - 100 000 PLN	0- 600 000 CZK

Applies only to accounts in CFDs service variant.

The maximum deposit on which interest would be accrued is 25 000 EUR, 25 000 USD, 25 000 GBP, 100 000 PLN or 600 000 CZK, depending on which currency the funds are held in the account.

Interest rates of 6%, 6.5% and 7% apply for the first 90 days from opening the account.

Interest should always be applied after the end of a calendar month (until 10th day of next month).

The interest rate is annualized. Accrued interest is credited on your account on a monthly basis

Example: client has 20 000 EUR free margin. The interest is calculated for the whole 20 000 EUR. The maximum free margin for which we calculate interest for the EUR account is 25 000 EUR. To learn how to calculate the base free margin go to FAQ section.

How does interest on unused margin work?: Interest on unused margin in an investment account involves the accrual of interest on funds that are not currently invested in financial instruments but remain in the account. These funds can be used for future transactions. OANDA TMS Brokers offers an interest rate on such free funds, providing additional income for the investor. This allows investors to benefit from unused funds before deciding to allocate them to more profitable investments. Applies only to CFDs accounts. Not applicable to Stocks accounts.
What do I need to do for the interest to start accruing?: The maximum balance eligible for interest is 100 000 PLN, 25 000 USD, 25 000 EUR, 25 000 GBP, or 600 000 CZK, depending on the currency held in the account. Interest rates of 6%, 6.5% and 7% are valid for 90 days from the opening of the account. Interest is always calculated after the end of a calendar month (by the 10th of the following month).Interest is always credited on your account after the end of the calendar month (after the 10th day of the following month) For details, see section: *Interest rates and free margin (terms and conditions).
Are the interest rates fixed?: No - depending on the value of free funds held in the client's account, the interest rate in the first 90 days is 6%, 6.5% or 7%, while after that the rate of 0.5% applies regardless of the type of account.
What does the interest rate depend on?: The interest rate in the first 90 days depends on the value of funds on the Client's account.

The minimum value of funds for which the interest is accrued is: no limit for 6% interest rate

10 000 PLN | 3 000 EUR | 3 000 USD | 2 500 GBP | 60 000 CZK for an interest rate of 6.5%.

50 000 PLN | 10 000 EUR | 10 000 USD | 10 000 GBP| 300 000 CZK for an interest rate of 7%.

The interest rate is quoted on an annual basis, while interest is calculated monthly.

Offer available only for clients with CFDs accountS who meet the conditions. Not applicable to Stocks accounts.
How is the minimum value of unused margins for interest accrual determined?: The minimum value of unused margins for interest accrual is determined based on the value of the free funds at 23:59:59 CET on each day in the calendar month for which the interest is accrued.
When is the interest accrued?: If the conditions are met, interest will be accrued based on the daily value of free funds at 23:59:59 CET each day in the calendar month for which interest is to be accrued, according to the following formula: (Free Funds x Interest Rate)/365.
When is the interest paid out?: Accumulated monthly interest will be paid out by the 10th day of the following calendar month. The accrued interest will increase the balance of the client's account.
Are there conditions that I must meet to receive the interest?: The maximum balance eligible for interest is 100 000 PLN, 25 000 USD, 25 000 EUR, 25 000 GBP, or 600 000 CZK, depending on the currency held in the account. Interest rates of 6%, 6.5% and 7% are valid for 90 days from the opening of the account. Interest is always credited on your account after the end of the calendar month (after the 10th day of the following month). The interest rate is annualized. Accrued interest is credited on your account on a monthly basis. For details, see section: Interest rates and free margin (terms and conditions). Applies only to CFDs accounts. Not applicable to Stocks accounts.
How is interest calculated if an account is opened or closed in the middle of a month?: If an account is opened during the calendar month, interest is accrued from the day of opening until the end of the month. If the account is closed during the month, interest is accrued until the end of the day on which the account was closed.