eToro offers up to 4.3% interest on uninvested USD cash, rewarding active users with large balances. Smaller accounts may benefit less.
eToro now lets eligible users earn interest on uninvested funds, offering up to 4.3% APR on idle USD balances.
For crypto traders and portfolio holders this is a way to earn passive returns on cash that would otherwise sit doing nothing. We’ll explain how the eToro interest on uninvested USD cash works, who benefits most, and whether it’s really worth it.
How eToro Interest On Uninvested USD Cash Works
eToro’s interest on uninvested USD cash is offered via its “Interest on Balance” program. To receive up to 4.3%, you must opt in and hold at least $250,000 in total account value (cash + investments).
Lower tiers – such as $50,000, $25,000, and $10,000 – qualify for rates of approximately 4.0%, 3.0%, and 1.0% respectively. Interest is calculated daily and paid monthly once the feature is activated in your eToro Club dashboard.
US options-account holders earlier accessed 3.9% but some sources report up to 4.4%. So, ensure to check your eligibility and account type.
Benefits And Limitations Etoro Interest
One major advantage is earning a passive income stream without locking up funds. Historically many bank savings rates have been below 1%, so eToro’s high‑yield broker cash rate looks compelling for qualifying users.
Funds remain liquid so you can withdraw or trade anytime, and interest is credited monthly. But there are limitations: interest is simple, not compounded.
Moreover, eToro charges a $2/month program fee unless you maintain enough assets, and a $10 inactivity fee after 12 months of no trading or login, which can erode gains. Currency risk also matters since rates apply to USD cash, non‑USD users may incur conversion fees.
Is It Worth It?
For active crypto or equity investors already using eToro, the opportunity to earn interest on idle funds is a smart and efficient way to put your capital to work even while waiting for your next trade setup.
Especially during times when markets aren’t offering clear entry points, earning interest helps your cash grow in the background. At the top tier, eToro offers a compelling 4.3% interest rate with full liquidity, making it an attractive option for those with larger balances.
Even if your balance is smaller or trading activity limited, the interest-earning feature still provides added value.
While alternatives like Webull or moomoo may offer similar benefits, eToro’s built-in solution offers the convenience of staying within a single platform making it easier to act quickly when your next opportunity arises.
Conclusion
eToro’s 4.3% cash APR offer makes uninvested cash potentially productive, especially for those with qualifying Club tiers. It’s worth it if you meet the balance, stay active, and avoid fees.
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