💰 Highest Interest on Cash — Broker Comparison 2026
Where does your uninvested cash work hardest for you? We compare current interest rates across all major brokers.
| # | Broker | Interest Rate | Conditions | Min. Deposit | Account Fee | Rating | Action |
|---|---|---|---|---|---|---|---|
| 1 | eToro | 4.55% | Über eToro Money, separates Konto erforderlich | $50 | 0€ + $5 Auszahlungsgebühr | Open Account → | |
| 2 | Interactive Brokers | 4.33% | Auf USD-Guthaben über $10.000, gestaffelt nach Kontomodell | 0€ | 0€/Jahr | Open Account → | |
| 3 | Trade Republic | 3.25% | Auf gesamtes Guthaben, sofort verfügbar, keine Obergrenze | 0€ | 0€/Jahr | Open Account → | |
| 4 | Scalable Capital | 2.60% | Nur mit PRIME+ Abo (9.99€/Mo), bis 100.000€ | 0€ | 0€ (Free) / 4.99€/Mo (Plus) / 9.99€/Mo (Premium) | Open Account → | |
| 5 | Flatex | 0% | Keine Zinsen auf Cash | 0€ | 0€/Jahr | Open Account → | |
| 6 | DEGIRO | 0% | Keine Zinsen | 0€ | 0€/Jahr + 2.50€ Konnektivitätsgebühr/Börse/Jahr | Open Account → | |
| 7 | Comdirect | 0% | Keine Zinsen auf Verrechnungskonto | 0€ | 0€ (mit Aktivität) / 1.95€/Monat sonst | Open Account → | |
| 8 | ING | 0% | Keine | 0€ | 0€/Jahr | Open Account → | |
| 9 | Smartbroker+ | 0% | Keine | 0€ | 0€/Jahr | Open Account → | |
| 10 | justTRADE | 0% | Keine | 0€ | 0€/Jahr | Open Account → |
Why Interest on Cash Matters
Uninvested cash at zero-interest brokers loses purchasing power to inflation every year. At 2-3% p.a. inflation, €10,000 in a 0% account loses €200-300 in real value annually.
Neo-brokers Trade Republic (3.25%), Interactive Brokers (up to 4.33%) and eToro (4.55% via eToro Money) offer attractive cash interest rates — particularly useful when you regularly hold capital ready for new investments.
💰 Interest Calculator: Earnings Per Year
Your uninvested cash balance:
FAQ
Are the interest rates guaranteed?
No, all brokers can change their interest rates at any time without notice. Rates shown are current and may change monthly.
Do I need to pay tax on the interest?
Yes. In Austria 27.5% KESt applies, in Germany 26.375% Abgeltungssteuer (incl. solidarity surcharge). Most brokers automatically deduct the tax.
Can I withdraw my cash at any time?
Yes, at all listed brokers the cash in your account is available daily. Withdrawals typically take 1-3 business days.
Up to what amount do I earn interest?
This varies by broker. Trade Republic pays on the full balance with no cap. Scalable Capital only pays up to €100,000 and only with a PRIME+ subscription.