Between December 19, 2025, and January 5, 2026, financing rates will remain the same. The values for December 18th will be used until January 5th. By freezing the financing rates, we’re aiming to protect you from potentially aggressive market movements over the holiday period.

If you have any questions, please get in touch with our customer service team.

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Invest even when you’re not investing

Now earn interest on your unused margin with OANDA.

Earn up to 3% APY* based on your average unused margin when you meet the terms. Now your money earns interest even when it’s not invested.

Add funds to my account

Or if you’re a new client, create a live account

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Get started

Just open an account and deposit a minimum of $10K+. For existing clients, top up your OANDA account and maintain an average daily unused margin upwards of $10k per calendar month to earn interest.

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Qualify

Earn 2% APY when your average daily unused margins are between $10k - $49,999, and 3% APY when your average daily unused margins are $50,000+*. You don’t have to do anything, you’re automatically enrolled.

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Get interest

The earned interest for a given calendar month will be credited into your OANDA account within 15 business days after the last calendar day of the month*.

*Interest will only be paid to US citizens, US-based corporations or US-based legal entities. Clients must have placed a live trade in their account within the last six months (180 days) to be eligible for interest on unused margins.

View the terms and conditions for this offer.

Disclaimers:

Trading FX on margin is high risk and not suitable for everyone. Losses can exceed investments.

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