⭐ Forex Brokers that Pay Annual Interest on Margin
- Annual interest on free margin — also referred to as "unused margin" — can be acquired at Forex accounts with idle funds
- Interest on unused margin is an extra feature, rather than a standard practice with Forex Brokers
- Interest payouts from Forex Brokers usually vary between 2% p.a. and 8% p.a., while promo rates can reach above 20% p.a.
- Annual interest on free margin — also referred to as "unused margin" — can be acquired at Forex accounts with idle funds
- Interest on unused margin is an extra feature, rather than a standard practice with Forex Brokers
- Interest payouts from Forex Brokers usually vary between 2% p.a. and 8% p.a., while promo rates can reach above 20% p.a.
⭐ Interest paying Forex Brokers
Idle cash must keep working. Forex brokers who pay interest on unused margin honor this fundamental principle:
Aron Groups
Key Features of the Aron Groups Standard Account: Interest Rate (APR) Dollar 2 % , IRT 15%
— Aron Groups,
https://arongroups.co/standard-account/
Esperio
Top up your trading account for a sum of $1,000 or its multiple. Fulfill the requirements for trading activity. Earn passive income of 2% monthly (or 24% per year) for every $1,000 of your own funds. Bonus interest is credited to your account automatically, subject to active trading.
— Esperio,
https://www.esperio.org/earn/bonuses
Forex.com
VIP Status for Active Traders: Earn up to 4% APY interest on your average daily available margin balance.
You will automatically qualify for FOREX.com VIP by:
• Making an initial deposit of $10,000
• Trading $50M volume in a calendar month
• Maintaining an available daily balance of at least $25,000
— Forex.com,
https://www.forex.com/en-us/active-trader/
FreshForex
VIP Status for Active Traders: Earn up to 4% APY interest on your average daily available margin balance.
You will automatically qualify for FOREX.com VIP by:
• Making an initial deposit of $10,000
• Trading $50M volume in a calendar month
• Maintaining an available daily balance of at least $25,000
— FreshForex,
https://freshforex.com/traders/promo/interest-on-deposit.html
FXGlobe
Increase your funds even when you’re not trading with our new Interest Savings Accounts.
Savings account earning interest on deposits or uninvested balance with no lock-up period of funds.
Interest Rates: Up to 4.05%
Savings account earning higher interest with short term investment of funds.
Interest Rates: Up to 6.89%
— FXGlobe,
https://www.fxglobe.com/guaranteed-returns-on-your-uninvested-cash/
IBKR
Earn up to USD 3.14% on Your Uninvested Cash. Interest accrues daily and is credited monthly.
— IBKR,
https://www.interactivebrokers.com/en/accounts/fees/pricing-interest-rates.php
IFC Markets
Your money works for you when you rest․ Earn up to 7% annual interest on your free margin.
— IFC Markets,
https://www.ifcmarkets.com/en/promo-actions
Key to Markets
Key to Savings Account is a flexible, commitment-free deposit account that allows you to earn interest on your unused fund and grow your capital while waiting for the right trading opportunities.
3% Annual Interest Paid Monthly. Daily accruals, monthly payouts – watch your savings grow!
— Key to Markets,
https://keytomarkets.com/savings-account/
LiteFinance
SAFE is a non-trading savings account that LiteFinance's client can open and top up to earn interest.
Earn up to 20% per annum. The interest rate is floating, depending on your trading volumes.
— LiteFinance,
https://www.litefinance.org/trading/account-types/safe/
OANDA
Earn 2% APY when your average daily unused margins are between $10k - $49,999, and 3% APY when your average daily unused margins are $50,000+*. US clients only.
— OANDA,
https://www.oanda.com/us-en/trading/interest-on-unused-margin/
Pelliron
Deposit interest rate 36%
36% will be credited on a monthly basis at the rate of 3% for the full month only if there will be funds on the trading account and if a specified traded volume of lots is achieved. Partial payments of the bonus are not carried out.
— Pelliron,
https://pelliron.com/en/services/bonuses/41-36-bonus-on-your-deposit
Saxo Bank
All clients on our VIP account tier will earn interest on your account balance above SGD 5,000 (or equivalent) at a rate varying with your account balance. So the more you deposit, the higher rate you will earn. Earn up to 2.88% interest on uninvested cash.
— Saxo Bank,
https://www.home.saxo/en-sg/campaigns/interest-rates-cal
Schwab
The interest rate on cash balances in the Sweep Program is set on the first business day of each month...
Effective March 2, 2026, the current interest rate is 3.30% APY*
— Schwab,
https://www.schwab.com/legal/sip-sweep-current-interest-rates
Put Your Savings to Work!
- Not using the whole account margin for trading? Let it work by acquiring interest.
- Waiting for the right opportunity to trade while sitting tight? Your funds can work while you wait.
- Paused your trading altogether till better times? Your funds can keep working non-stop.
Takeaway:
Annual interest on free margin does not necessarily applied to a standard Forex account. Oftentimes it is the qualifying high-volume traders that can earn a return on their available margin balance. (Example: Forex.com VIP status active traders)Other times it is wrapped up as a bonus offer with additional terms and conditions to qualify for the interest payouts. Bonus-based interest is always higher, and is usually paid monthly. (Example: Esperio 24% p.a. bonus offer).
Yet other times it is a non-trading savings account offered by a Forex broker. (Example: "SAFE" account from LiteFinance).
Note of caution: an unusually high interest rate should be a cause for concern. An in-depth verification of broker's good standing, regulation etc is highly advised.
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