Invest even when you're not investing
Want to earn interest on unused margin?
With OANDA, you can earn up to 4% APY* based on your average unused margin. Now your money's earning interest even when it's not invested.
Invest even when you're not investing
Want to earn interest on unused margin?
With OANDA, you can earn up to 4% APY* based on your average unused margin. Now your money's earning interest even when it's not invested.
Get started
Just open an account and deposit a minimum of €5K+. For existing clients, top up your OANDA account and earn interest for every day when you maintain an unused margin upwards of €5k.
Qualify
Earn 2% when your daily unused margins are between €5k - €49,999, and 4% when your daily unused margins are €50,000+*. 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*.
*Interest rates and free margin (terms and conditions)
| PLN | USD | EUR | GBP | CZK | |
| Standard interest per year | 2% | 2% | 2% | 2% | 2% |
| Increased interest per year | 4% | 4% | 4% | 4% | 4% |
| Free margin required to enable interest calculation | 20 000 | 5 000 | 5 000 | 5 000 | 125 000 |
| Range that we calculate interest rates for | 0 - 300 000 | 0 - 100 000 | 0 - 100 000 | 0 - 100 000 | 0 - 2 500 000 |
| 2% Standard rate applicable | from 20,000 to 199,999.99 | from 5,000 to 49,999.99 | from 5,000 to 49,999.99 | from 5,000 to 49,999.99 | from 125,000 to 1,249,999.99 |
| 4% Increased rate applicable | from 200,000 to 300,000 | from 50,000 to 100,000 | from 50,000 to 100,000 | from 50,000 to 100,000 | from 1,250,000 to 2,500,000 |
The interest is paid separately in tiers for free balances applicable for the 2% or 4% rate. This means, that in case of the accumulated free margin exceeding 50 000 EUR, the interest of 2% will be calculated for funds between 5,000 and 49,999.99 EUR and the interest of 4% will be accrued for the funds between 50,000 and 100,000 EUR. Terms for other currencies can be found in the table above.
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 €60 000 free margin. The interest is calculated for the whole €60 000. The maximum free margin for which we calculate interest for the € account is €100 000. To learn how to calculate the base free margin go to FAQ section.
FAQ
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.
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 100,000 EUR.
No - depending on the value of free funds held in the client's account, the interest rate is 2% or 4%.
The 2% standard rate is applicable for funds between 5,000 and 49,999.99 EUR and the 4% rate is calculated for funds between 50,000 and 100,000 EUR.
The interest rate depends on the value of funds on the Client's account.
The minimum value of funds for which the interest is accrued is:
PLN 20,000 | EUR 5,000 | USD 5,000 | GBP 5,000 | CZK 125,000 for an interest rate of 2%.
PLN 200,000 | EUR 50,000 | USD 50,000 | GBP 50,000 | CZK 1,250,000 for an interest rate of 4%.
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.
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.
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.
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.
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.
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.
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