eToro is following other retail trading and CFD companies by offering annual interest on uninvested cash in investing accounts.
The feature represents the platform's latest move to compete with traditional banks and expand beyond its core social trading services.
Yoni Assia speaking at Fintech Junction
eToro
announced today (Wednesday) it will pay up to 4.3% annual interest on cash
sitting in customer trading accounts, the latest move by the social investing
platform to keep client money working between trades.
This brings
the Israeli fintech in line with several other retail trading companies that
introduced similar offerings this year and last, including Interactive Brokers
and XTB.
eToro Offers 4.3% Interest
on Cash Balances
The feature
launches without minimum balance requirements for European users, who can earn
3.5% on balances up to $50,000 and 4.3% on amounts above that threshold.
Customers in other regions face tiered requirements starting at $10,000 for 1%
interest, climbing to 4.3% for balances exceeding $250,000.
eToro
calculates interest daily and credits accounts monthly, with no lock-up periods
or penalties for withdrawals. The money remains available for immediate trading
or cash-outs, addressing a common frustration among retail investors whose idle
cash typically earns nothing while they research their next moves.
Dan Moczulski, the managing director of eToro UK
“Sometimes
the most prudent decision is to wait,” said Dan Moczulski, eToro's UK
managing director. “By paying up to 4.3% per annum on uninvested US-dollar
balances, we ensure clients' capital continues to earn a competitive return
while they prepare for their next trade.”
The fintech
claims that the rates significantly exceed what most traditional banks offer on
checking accounts, though they trail some high-yield savings products. eToro
applies the interest only to cash balances, not invested funds, but determines
eligibility based on total account equity including investments.
eToro built
its reputation on social trading, where users can copy the investment
strategies of successful traders on the platform. The company now serves over
40 million users across 75 countries, positioning itself as both a brokerage
and social network for investors.
The
interest feature, however, faces some geographical restrictions. eToro can
exclude customers from the program for policy violations and reserves the right
to modify or discontinue the offering. The company also warns that currency
conversion costs could offset interest gains for non-dollar deposits.
eToro Joins the Gang
The cash
interest program reflects broader competition among retail brokerages to
capture and retain customer assets. As commission-free trading became standard,
platforms increasingly compete on auxiliary services and features that generate
revenue from customer cash and investments.
It
accelerated in 2025, when other direct competitors of eToro followed, including
Germany’s NAGA, which offers just under 2.8% APY, as well as Interactive
Brokers and IG Group. Similar solutions are also available from Trading 212, Trade Republic,
and Lightyear, where standard rates hover around 2%
eToro's interest
payments start from the first dollar for eligible European customers, with
monthly crediting by the fifth business day of each following month. Customers
must manually activate the feature through their account dashboard, and eToro
maintains discretion over program participation.
eToro
announced today (Wednesday) it will pay up to 4.3% annual interest on cash
sitting in customer trading accounts, the latest move by the social investing
platform to keep client money working between trades.
This brings
the Israeli fintech in line with several other retail trading companies that
introduced similar offerings this year and last, including Interactive Brokers
and XTB.
eToro Offers 4.3% Interest
on Cash Balances
The feature
launches without minimum balance requirements for European users, who can earn
3.5% on balances up to $50,000 and 4.3% on amounts above that threshold.
Customers in other regions face tiered requirements starting at $10,000 for 1%
interest, climbing to 4.3% for balances exceeding $250,000.
eToro
calculates interest daily and credits accounts monthly, with no lock-up periods
or penalties for withdrawals. The money remains available for immediate trading
or cash-outs, addressing a common frustration among retail investors whose idle
cash typically earns nothing while they research their next moves.
Dan Moczulski, the managing director of eToro UK
“Sometimes
the most prudent decision is to wait,” said Dan Moczulski, eToro's UK
managing director. “By paying up to 4.3% per annum on uninvested US-dollar
balances, we ensure clients' capital continues to earn a competitive return
while they prepare for their next trade.”
The fintech
claims that the rates significantly exceed what most traditional banks offer on
checking accounts, though they trail some high-yield savings products. eToro
applies the interest only to cash balances, not invested funds, but determines
eligibility based on total account equity including investments.
eToro built
its reputation on social trading, where users can copy the investment
strategies of successful traders on the platform. The company now serves over
40 million users across 75 countries, positioning itself as both a brokerage
and social network for investors.
The
interest feature, however, faces some geographical restrictions. eToro can
exclude customers from the program for policy violations and reserves the right
to modify or discontinue the offering. The company also warns that currency
conversion costs could offset interest gains for non-dollar deposits.
eToro Joins the Gang
The cash
interest program reflects broader competition among retail brokerages to
capture and retain customer assets. As commission-free trading became standard,
platforms increasingly compete on auxiliary services and features that generate
revenue from customer cash and investments.
It
accelerated in 2025, when other direct competitors of eToro followed, including
Germany’s NAGA, which offers just under 2.8% APY, as well as Interactive
Brokers and IG Group. Similar solutions are also available from Trading 212, Trade Republic,
and Lightyear, where standard rates hover around 2%
eToro's interest
payments start from the first dollar for eligible European customers, with
monthly crediting by the fifth business day of each following month. Customers
must manually activate the feature through their account dashboard, and eToro
maintains discretion over program participation.
Damian's adventure with financial markets began at the Cracow University of Economics, where he obtained his MA in finance and accounting. Starting from the retail trader perspective, he collaborated with brokerage houses and financial portals in Poland as an independent editor and content manager. His adventure with Finance Magnates began in 2016, where he is working as a business intelligence analyst.
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Charlotte reflects on the Summit so far and talks about the culture inside fintech banks today. We look at the pressures that come with scaling, and how firms can hold onto the nimble approach that made them stand out early on.
We also cover the state of payments ahead of her appearance on the payments roundtable: the blockages financial firms face, the areas that still need fixing, and what a realistic solution looks like in 2026.
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In this conversation, we sit down with Drew Niv, CSO at ATFX Connect and one of the most influential figures in modern FX.
We speak about market structure, the institutional view on liquidity, and the sharp rise of prop trading, a sector Drew has been commenting on in recent months. Drew explains why he once dismissed prop trading, why his view changed, and what he now thinks the model means for brokers, clients and risk managers.
We explore subscription-fee dependency, the high reneging rate, and the long-term challenge: how brokers can build a more stable and honest version of the model. Drew also talks about the traffic advantage standalone prop firms have built and why brokers may still win in the long run if they take the right approach.
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A concise look at where compliance, onboarding, and AI-driven processes are heading next.
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Ramanda also shares insights on regulator sandboxes, shifting expectations around accountability, and the current reality of MiCA licensing and passporting in Europe.
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We start with Aydin’s view of the Summit and the challenges brokers face as fraud tactics grow more complex. He explains how firms can stay ahead through real-time signals, data patterns, and early-stage detection.
We also talk about AI training and why compliance teams often struggle to keep models accurate, fair, and aligned with regulatory expectations. Aydin breaks down what “good” AI training looks like inside a financial environment, including the importance of clean data, domain expertise, and human oversight.
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Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
Finance Magnates met with Paul Margarites, Exness regional commercial director for Sub-Saharan Africa, during a visit to the firm’s office opening in Cape Town. In this talk, led by Andrea Badiola Mateos, Co-CEO at Finance Magnates, Paul shares views on the South African trading space, local user behavior, mobile trends, regulation, team growth, and how Exness plans to grow in more markets across the region. @Exness
Read the article at: https://www.financemagnates.com/thought-leadership/exness-expands-its-presence-in-africa-inside-our-interview-with-paul-margarites/
#exness #financemagnates #exnesstrading #CFDtrading #tradeonline #africanews #capetown
