eToro allows eligible users to earn up to 3.55% annual interest on their uninvested USD cash balance. Instead of leaving idle funds unused, traders can earn monthly interest while keeping full access to their money at all times.
eToro offers interest payments on uninvested USD cash held in your account. Instead of keeping idle funds dormant, eToro pays interest based on your total account balance, while applying the rate only to the available USD cash balance.
Link – Earn up to 3.55% annual interest
How It Works
Interest is paid only on your available USD cash balance, on funds that are not currently invested. The interest rate you receive depends on your total account balance, while interest itself is calculated daily and paid monthly.
How to Start Earning Interest
- Log in to your eToro account
- Make sure you meet the required total balance
- Go to the eToro Club Dashboard
- Activate the Interest on USD Cash Balance option
eToro Interest Key Benefits
- Earn interest on unused cash
- Competitive rates up to 3.55% annually
- Interest calculated daily and paid monthly
- No lock-in or withdrawal restrictions
- Compound interest on retained earnings
Interest Rates Overview
Eligible Users in the EU, UK & Selected Regions
- $1 – $50,000: 2.75%
- $50,000+: 3.55%
Eligible Users in Other Regions
- $10,000: 0.5%
- $25,000: 2.25%
- $50,000: 3.25%
- $250,000+: 3.55%
Interest Withdrawal
- Interest is calculated daily
- Paid monthly, no later than the 5th business day
- Minimum payout amount: $0.01
- Interest compounds automatically if left in the account
eToro’s Interest on USD Cash Balance is a practical, low-effort way to earn passive returns on unused funds. With competitive rates, monthly payouts, and full liquidity, it’s a useful feature for traders who value flexibility and capital efficiency.
