Yes, your idle funds on eToro can generate interest, but only if you meet a few conditions. eToro runs an interest program for eligible clients who keep an available USD cash balance sitting in their investment accounts. Right now, you can earn up to around 4.3% APR, depending on how much uninvested cash you hold and your account tier.
To earn interest on your USD cash balance, here’s what needs to line up:
Worth noting: this doesn’t apply to GBP or EUR balances.
If you live in the EU and qualify, any total balance between $1 and $50,000 earns 3.5% a year. Hold more than $50,000 and the rate steps up to 4.3%.
Here’s how the tiers break down if you’re eligible but outside the EU:
| Total Balance | Annual Interest Rate |
| $10,000 | 1% |
| $25,000 | 3% |
| $50,000 | 4% |
| $250,000 | 4.3% |
What I like about this program is simple: my idle funds keep growing, and the interest rates hold up well. Better yet, the interest lands straight in my eToro balance every month, with zero lock-in to worry about.
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.
Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 61% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.
This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
Crypto investments are risky and highly volatile. Tax may apply. Understand the risks here https://etoro.tw/3PI44nZ.
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which hasbeen prepared by our partner utilizing publicly available non-entity specific information about eToro.
About Mike Druttman
