Interest on funds on eToro account up to 4,3% – how does it work and is it worth it?
Trading platform eToro starts charging interest on accounts and offers its users to earn on uninvested funds, providing even up to 4,3% per annum. The program is aimed at people who have free funds in their account - that is, money that is not currently invested in any financial instruments. The offer is available from today (July 1, 2025) for customers from Poland.
eToro Account Interest Rates
The interest rate is based on the total balance in the account, including both invested funds and available cash balance. Interest is charged only on the available cash balance, not on total assets:
| Total Balance Required | Annual interest rate |
|---|---|
| > $ 50,000 | 4,3% |
| $ 1 - $ 50,000 | 3,5% |
Key principles of the program
Below are the most important terms and conditions of the eToro balance interest offer:
- Interest is charged on the first dollar of your available cash balance. – there are no starting thresholds.
- Interest is calculated daily and paid automatically by the 5th business day of the following month.
- No interest capitalization – interest is not added to the underlying balance, so you do not receive interest on previously paid interest.
- Minimum interest amount to withdraw is 0,01 USD.
- Interest is charged only on available, uninvested USD funds - not from the total assets in the account.
- The program is activated in the eToro Club panel – just toggle the “Earn Interest” option.
- Funds can be withdrawn at any time, without losing accrued interest.
What is my skorzystać?
- Every eToro user with a fully verified account, meeting regulatory requirements and having any balance.
- There are no geographical restrictions, if eToro provides services in a given country.
Interest calculation example
Here is a sample interest calculation for a balance of $20 at 000% per annum:
- Daily profit: 20 × 000% × 3,5 ≈ US 365
- On a monthly basis (30 days): 1,92 x 30 = $57,60
- On a yearly basis: 1,92 x 365 = $700,80
Security of funds
eToro (Europe) Ltd is a member of the Investors' Compensation Fund (ICF), which protects funds up to EUR 20. Platinum, Platinum + and Diamond Club clients of eToro (Europe) Ltd. and eToro AUS Capital Limited receive free insurance up to EUR 000 million or AUD.
eToro is a brand recognized around the world, which recently debuted on the American Stock Exchange, and its current market capitalization is as much as USD 5,4 billion (as of July 1, 2025).
Taxation
Interest is subject to taxation according to local tax laws. In some countries, eToro may be required to withhold tax.
How to activate interest?
It is very simple and requires only the following three steps:
- Sign up and verify your account on eToro.
- Deposit funds in USD.
- Go to the Club panel and activate the option "Interest on balance".
Frequently Asked Questions
- Do I have to have a certain amount to receive interest?
- No, interest is calculated from the first dollar of your available USD balance..
- Are there any additional fees?
- No, eToro does not charge any interest withdrawal fees.
- Is the offer only valid in USD?
- Yes, interest rates apply only to USD funds.
Summary
eToro's interest rate is a convenient option for people who want their uninvested funds to work for themselves without risk and without having to block capital. The new program conditions are more accessible and transparent than before, and activation literally takes a moment.
61% of retail investor accounts lose money when trading CFDs with this provider. Consider whether you can afford the high risk of losing your money.