IBKR INTEREST RATES
Clients may earn interest on positive settled cash balances, i.e. uninvested cash in your account. The amount that you earn depends on the blended annual rate for which you are eligible. The blended annual rate is applied to the uninvested cash in your account, while balances below a certain threshold will earn no interest.
The eligible rate payable is based on:
Clients with a NAV of more than USD 100,000 (or an equivalent value in other currencies) earn an annual rate of 1.501% on their EUR cash balances above EUR 10,000, or 3.83% on their USD cash balances above USD 10,000. Clients with a NAV of less than USD 100,000 (or an equivalent value in other currencies) will receive a lower annual rate, this rate increases the closer your NAV is to USD 100,000. Interest will not be payable on the first EUR 10,000 or USD 10,000 (or the equivalent value in other currencies) of uninvested cash balances. This means that the overall amount of interest payable to you will be a blended rate, i.e., a combination of the rate payable on your cash balance below EUR 10,000 or USD 10,000, and the rate that is payable on balance above those values. For illustration, please see examples in the table below, or for a more accurate estimation please use the calculator provided below.
If a client's accounts are eligible to earn interest, the balances across multiple Interactive Brokers accounts will not be consolidated. While NAV is aggregated across multiple currencies, the interest is calculated on each currency holding and the USD 10,000 (or the equivalent value in other currencies) threshold, below which no interest is payable, applies to each currency holding.
NAV adjusted blended annual interest rates based on 3.83% interest paid on USD cash balances above USD 10,000:
| 3.83% | Blended Annual Rate Paid (USD) | ||
|---|---|---|---|
| Account Cash Balance (USD) | NAV 50k | NAV 90k | NAV > 100k |
| 1,000,000 | # | # | # |
| 100,000 | # | # | # |
| 50,000 | # | # | # |
| 25,000 | # | # | # |
| 0 - 10,000 | 0% | 0% | 0% |
Please use the Interest Rate Calculator below to check the estimated rate for different NAVs, cash balances and currencies.
| Scenario | Interactive Brokers | Saxo | S Broker | Swiss Quote | Degiro | Fineco | IG | Renta 4 Banco |
|---|---|---|---|---|---|---|---|---|
| NAV = €20,000 Cash = €5,000 |
0.000% | 0.000% | 1.500% | 0.000% | 0.000% | 0.000% | N/A | N/A |
| NAV = €80,000 Cash = €20,000 |
0.726% | 0.000% | 1.500% | 0.000% | 0.000% | 0.000% | N/A | N/A |
| NAV = €320,000 Cash = €80,000 |
1.348% | 0.000% | 1.500% | 0.000% | 0.000% | 0.000% | N/A | N/A |
Rates as of July 2, 2025. Source: home.saxo (Classic account) with more information here: https://www.home.saxo/campaigns/interest-rates-cal (rates shown may vary according to your country of residence), sbroker.de (KantoPlus account), swissquote.com, degiro.ie, uk.finecobank.com, ig.com/ie, r4.com
'N/A' was used when no 'primary' source for the offered rates could be found. In some cases, the broker does not support cash balances in the currency. In others, the broker likely offers 0%, but does not advertise it.
| Scenario | Interactive Brokers | Saxo | S Broker | Swiss Quote | Degiro | Fineco | IG | Renta 4 Banco |
|---|---|---|---|---|---|---|---|---|
| NAV = $20,000 Cash = $5,000 |
0.000% | 0.000% | N/A | 0.000% | 0.000% | 0.000% | N/A | N/A |
| NAV = $80,000 Cash = $20,000 |
1.532% | 0.305% | N/A | 0.000% | 0.000% | 0.000% | N/A | N/A |
| NAV = $320,000 Cash = $80,000 |
3.351% | 1.875% | N/A | 0.000% | 0.000% | 0.000% | N/A | N/A |
Rates as of July 2, 2025. Source: home.saxo (Classic account) with more information here: https://www.home.saxo/campaigns/interest-rates-cal (rates shown may vary according to your country of residence), sbroker.de (KantoPlus account), swissquote.com, degiro.ie, uk.finecobank.com, ig.com/ie, r4.com
'N/A' was used when no 'primary' source for the offered rates could be found. In some cases, the broker does not support cash balances in the currency. In others, the broker likely offers 0%, but does not advertise it.
BM = IBKR Benchmark Rate. For more information, see IBKR Benchmark Rates.
| Currency | Tier | Rate Paid for Accounts with a NAV Greater than USD 100,000 (or an equivalent value in other currencies) |
|---|---|---|
| USD | 0 ≤ 10,000 | 0% |
| > 10,000 | 3.830% (BM - 0.5%) | |
| AED | 0 ≤ 35,000 | 0% |
| > 35,000 | 3.620% (BM - 0.75%) | |
| AUD | 0 ≤ 15,000 | 0% |
| 15,000 ≤ 150,000 | 3.331% (BM - 0.5%) | |
| > 150,000 | 3.581% (BM - 0.25%) | |
| CAD | 0 ≤ 13,000 | 0% |
| > 13,000 | 2.179% (BM - 0.5%) | |
| CHF | 0 ≤ 100,000 | 0% |
| > 100,000 | -0.411% (BM - 0.25%) | |
| CNH | 0 ≤ 70,000 | 0% |
| > 70,000 | 0.50% | |
| CZK | 0 ≤ 250,000 | 0% |
| > 250,000 | 1.402% (BM - 2%) | |
| DKK | 0 ≤ 75,000 | 0% |
| > 75,000 | 1.134% (BM - 0.5%) | |
| EUR | 0 ≤ 10,000 | 0% |
| > 10,000 | 1.501% (BM - 0.5%) | |
| GBP | 0 ≤ 8,000 | 0% |
| > 8,000 | 3.450% (BM - 0.5%) | |
| HKD | 0 ≤ 78,000 | 0% |
| > 78,000 | 3.349% (BM - 0.75%) | |
| HUF | 0 ≤ 3,500,000 | 0% |
| > 3,500,000 | 3.425% (BM - 3%) | |
| ILS | All | 0% |
| INR | All | 0% |
| JPY | 0 ≤ 5,000,000 | 0% |
| > 5,000,000 | 0.251% (BM - 0.25%) | |
| KRW | 0 ≤ 12,000,000 | 0% |
| > 12,000,000 | 1.000% (BM - 1.5%) | |
| MXN | 0 ≤ 200,000 | 0% |
| > 200,000 | 4.202% (BM - 4%) | |
| NOK | 0 ≤ 100,000 | 0% |
| > 100,000 | 2.113% (BM - 2%) | |
| NZD | 0 ≤ 15,000 | 0% |
| > 15,000 | 0.559% (BM - 2.5%) | |
| PLN | 0 ≤ 400,000 | 0% |
| > 400,000 | 3.045% (BM - 2%) | |
| SAR | 0 ≤ 35,000 | 0% |
| > 35,000 | 4.532% (BM - 0.75%) | |
| SEK | 0 ≤ 110,000 | 0% |
| > 110,000 | 1.505% (BM - 0.5%) | |
| SGD | 0 ≤ 14,000 | 0% |
| > 14,000 | 0.000% (BM - 1%) | |
| TRY | 0 ≤ 250,000 | 0% |
| > 250,000 | 5% | |
| ZAR | 0 ≤ 150,000 | 0% |
| > 150,000 | 5.851% (BM - 1%) |
Negative Rates: For balances held in CHF, JPY, IBKR may apply an effective negative rate to long balances held. The negative rate applied to accounts holding this currency is the same regardless of account size. For other currencies in which the effective rate is less than zero, the interest paid is 0%
Disclosures