Invest even when you're not investing

Want to earn interest on unused margin?

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

OPEN ACCOUNT

Invest even when you're not investing

Want to earn interest on unused margin?

With OANDA, you can earn up to 7% APY* based on your average 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 €10k and €25,000, 6,5% when your daily unused margins are between €3k and €9,999, or 6% when your daily unused margins are not higher than €2,999*. 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 (annual interest rate)
Deposit required	from 0 to 3,000 EUR	from 0 to 3,000 USD	from 0 to 2,500 GBP	from 0 to 10,000 PLN	from 0 to 60,000 CZK
Premium accounts - 6,5% interest rates for first 90 days (annual interest rate)
Deposit required	from 3,000 to 10,000 EUR	from 3,000 to 10,000 USD	from 2,500 to 10,000 GBP	from 10,000 to 50,000 PLN	from 60,000 to 300,000 CZK
Elite accounts - 7% interest rates for first 90 days (annual interest rate)
Deposit required	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

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 quoted on an annual basis while interests are calculated monthly.

Example: client has €20,000 free margin. The interest is calculated for the whole €20,000. The maximum free margin for which we calculate interest for the € account is €25,000. 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.
What do I need to do for the interest to start accruing?: For the interest to be accrued, the client must have free funds in the account exceeding the minimum values specified by OANDA. At the same time, interest on free funds will be accrued only up to a maximum amount of 25,000 EUR.
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

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

PLN 50,000 | EUR 10,000 | USD 10,000 | GBP 10,000 | CZK 300,000 for an interest rate of 7%.
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?: To qualify for interest payment, the required level of the minimum daily value of free funds must be exceeded on the given day for which interest is accrued. Failure to meet any of the eligibility criteria on a given day will result in no interest being accrued for that day. Interest will be accrued and applied only on the days when all eligibility requirements are met.
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.
Do I have to pay tax on the interest earned?: The amount of interest is subject to a 19% personal income tax on capital gains, in accordance with the Polish law. EU residents outside of Poland need to then settle the difference based on the annual statement received from OANDA.