Start earning interest on your uninvested cash. There is no minimum balance to start earning interest. For Trading 212 EU GmbH clients, interest is paid on EUR balances up to €100,000 per account - see the €100,000 EUR cap section below.
Cash can be withdrawn at any time from your accounts. Withdrawals from SIPP accounts are subject to UK pension rules.
What is uninvested cash?
This is any cash that you have not invested in instruments like stocks and ETFs. Check how much of your cash is not invested in the Interest on cash dashboard in the Menu.
Which account types are eligible for interest?
You can earn interest on cash held in any of the following account types:
- Stocks & Shares ISA
- Cash ISA
- Invest
- SIPP
- CFD
Are there any min or max balance requirements to earn interest?
There is no minimum balance to earn interest.
For Trading 212 EU GmbH clients, a maximum of €100,000 per account applies to interest on EUR cash. Interest is paid at the applicable EUR rate on the first €100,000 of your EUR balance; any EUR cash above €100,000 earns 0%. The cap applies separately to your Invest and CFD accounts, and only to EUR - other currencies are not capped. The cap is effective from 3 December 2026.
Which currencies earn interest?
In the app, tap on Interest on cash, and you’ll find which currencies earn interest. You can also find them on our terms and fees page.
Which interest rates apply to my account?
The rates displayed on our website (see Terms & Fees, “Interest You Earn” Section) apply to new clients. If you already have an existing account, you can find your applicable rate in the Interest tab of your app.
How do I enable the interest?
- Log in to your account,
- Tap ☰ from the main navigation.
- Tap on Interest on cash, follow the instructions
- Tap the ‘Enable’ button.
For accounts where cash may be held in qualifying money market funds (QMMFs), you will also need to consent to this. More information can be found in "What are the risks of QMMFs?"
What if I don’t want to earn interest?
You can disable it at any time via the ‘Interest on cash’ dashboard in your app, by clicking the “Don’t pay me interest” Section.
📄 Note
If you change your mind, you can turn interest back on at any time.
€100,000 EUR interest cap - Trading 212 EU GmbH clients
If you are a client of Trading 212 EU GmbH, the following applies to your EUR cash balances from 3 December 2026:
- Interest is paid at the applicable EUR rate (standard or promotional) on the first €100,000 of your EUR balance per account.
- Any EUR cash above €100,000 earns 0% interest.
- The cap applies per account - Invest and CFD each have their own €100,000 cap.
- The cap applies to EUR only. Balances in other currencies are not capped at this time.
- Cash above the cap is still held and may be placed in qualifying money market funds (QMMFs), subject to the same disclosures, but it does not earn interest.
This cap applies to all Trading 212 EU GmbH clients, including those earning the EUR promotional rate.