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.
About Mike Druttman
