Best Interest Rates on Uninvested Cash (2026 Broker Comparison)

Checked By Richard Berry
Updated January 11, 2026

The Bank of England cut the base rate to 3.75% from 4.00% in December 2025. Some platforms will pay you around this rate or more on your uninvested cash, to encourage you to keep it with them. Our table shows the rates that platforms offer on GBP balances in general investing accounts (eToro’s is for USD).

We have ranked and compared UK trading platforms and investing accounts that offer the highest interest on uninvested cash balances.

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Name	Cash Interest (AER)	Min required	GMG Rating	Customer Reviews	CTA	Feature	Expand
IG	Cash Interest (AER) 3.75%	Min required £1	GMG Rating (5)	Customer Reviews 3.9 (Based on 678 reviews)	See Offer Capital at risk	Features: DIY Managed FCA Regulated FSCS Protected	More Info IG pays interest on uninvested GBP up to £100,000 in a GIA, SIPP or ISA account. Unfortunately, you don’t earn interest on CFD or spread betting accounts so you will have to move your money across to earn on cash. I suspect this will change in the future, as IG cross-sells investment and trading products. Also, unlike other brokers, you have to be an active investor to receive interest, so you cannot treat it like a bank account and just leave your cash there without doing anything.
interactive investor	Cash Interest (AER) 0.80%-1.81% (more in SIPPs/ISAs)	Min required £1	GMG Rating (5)	Customer Reviews 4.3 (Based on 1,123 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info As with all interactive investor pricing structures, they are a little complex, as a lot of it is scaled and dependent on what type of account you have. For ii’s ISA, Junior ISA, and trading accounts, cash balances will receive a certain amount of interest on the first £20,000, then more on the value between £20,000 and £50,000. If you have an account with more than £100,000 in it, you’ll get the best rate.
InvestEngine	Cash Interest (AER) 0%	Min required £0	GMG Rating (4.5)	Customer Reviews 4.8 (Based on 1,616 reviews)	See Offer Capital at risk	Features: DIY Managed FCA Regulated FSCS Protected	More Info InvestEngine does not offer interest on uninvested cash.
Lightyear	Cash Interest (AER) 1% (3.85% in Vaults)	Min required £1	GMG Rating (4.2)	Customer Reviews 4.8 (Based on 275 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info Lightyear customers can earn a higher rate on cash by allocating their money to Vaults, or money market funds, which are managed by BlackRock. Money market funds are treated as investments and, as such, do not receive the standard Financial Services Compensation Scheme (FSCS) guarantee on balances should they fail and lose money. It is rare for a money market fund to fail, but it could still happen, particularly in conditions of extreme market volatility.
Wealthify	Cash Interest (AER) 0%	Min required £0	GMG Rating (5)	Customer Reviews 4.6 (Based on 2,564 reviews)	See Offer Capital at risk	Features: Managed FCA Regulated FSCS Protected	More Info Wealthify does not offer interest on uninvested cash.
Interactive Brokers	Cash Interest (AER) 0%-3.28%	Min required £8k	GMG Rating (5)	Customer Reviews 4.5 (Based on 1,330 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info IBKR offers decent interest on uninvested cash, but you only get the full amount if you have over $100,000 (or equivalent) on account, including cash and investment. It is not great for small accounts, though, as there is no interest payable on balances and portfolios below £8,000.
Moneyfarm	Cash Interest (AER) 0%	Min required £0	GMG Rating (5)	Customer Reviews 4.4 (Based on 235 reviews)	See Offer Capital at risk	Features: DIY Managed FCA Regulated FSCS Protected	More Info Moneyfarm does not offer interest on uninvested cash.
AJ Bell	Cash Interest (AER) 1% (more in SIPPs/ISAs)	Min required £1	GMG Rating (5)	Customer Reviews 4.2 (Based on 1,094 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info AJ Bell’s rate is dropping to 0.75% on 1 Feb, 2026, for balances up to £2,000 and 0% for over £2,000. It pays fairly high interest on cash balances for its SIPP and Junior SIPP accounts. For stocks and shares ISAs, the max interest is higher than with share dealing accounts where interest rate payments are paid quarterly, and are scaled.
Hargreaves Lansdown	Cash Interest (AER) 1.26%-1.97%	Min required £1	GMG Rating (5)	Customer Reviews 3.8 (Based on 1,763 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info Hargreaves Lansdown has increased interest rates on its accounts, bringing it further in line with competitors. Among its accounts, the SIPP offers the best rate for uninvested cash followed by the ISA, then general investing account. On 10 Jan, 2026, its tiers changed: the lowest rate applies for £1-£19,999.99 and the highest rate is now only on balances above £1m.
Saxo	Cash Interest (AER) 0% – 1.27%	Min required £5k	GMG Rating (5)	Customer Reviews 3.6 (Based on 74 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info Saxo dropped its rates in 2025, and now only pays a fixed rate of interest on balances over £5,000. To get their top interest on cash, you need between £1m and £2m in a VIP account.
Dodl	Cash Interest (AER) 0% (4.06% for ISAs)	Min required £1	GMG Rating (4.3)	Customer Reviews 4.5 (Based on 38 reviews)	See Offer Capital at risk	Features: FCA Regulated FSCS Protected	More Info The ISA and Lifetime ISA on AJ Bell’s Dodl simplified investment app offer one of the best interest rates among competitors. However, Dodl does not offer interest on uninvested cash in a general investment account or SIPP (pension).
CMC Invest	Cash Interest (AER) 1.26%-3.30%	Min required £1	GMG Rating (4.4)	Customer Reviews 4.1 (Based on 14 reviews)	See Offer Capital at risk	Features: DIY FCA Regulated FSCS Protected	More Info CMC Invest pays interest on uninvested cash held in a general investment account (GIA), with higher rates for the Plus and Premium accounts.
eToro	Cash Interest (AER) 2.75%-3.55% (USD)	Min required $1	GMG Rating (4.6)	Customer Reviews 3.4 (Based on 282 reviews)	See Offer Capital at risk	Features: DIY Managed FCA Regulated FSCS Protected	More Info The level of interest paid is determined by how much money users keep in their account. To get the best rate, you need to have over $50,000 in your account.
Freetrade	Cash Interest (AER) 1%-3.50% (Plus)	Min required £1	GMG Rating (4.1)	Customer Reviews 4.6 (Based on 1,336 reviews)	See Offer Capital at risk	Features: DIY Managed FCA Regulated FSCS Protected	More Info Freetrade offers its maximum interest on up to £3,000 in uninvested cash under its Plus account subscription plan, which charges £9.99 a month. Freetrade’s lowest tier, the Basic Account plan, which is free to use, offers interest of 1% up to £1,000. The Basic plan offers a general account, while the Premium plan offers access to an ISA and personal pension.

Which Brokers and Investment Platforms Pay the Most Interest on Uninvested Cash?

IG currently offers the most interest on uninvested cash at 3.75% but you need to be an active investor to get it.

Other platforms, including Interactive Brokers, eToro, CMC Invest and Freetrade also pay competitive interest rates, but these are tiered according to account balances or account level.

Interest rates have been declining across the board, but you can still get some pretty decent returns with these investment accounts.

Richard Berry

Richard is the founder of the Good Money Guide (formerly Good Broker Guide), one of the original investment comparison sites established in 2015. With a career spanning two decades as a broker, he brings extensive expertise and knowledge to the financial landscape. Having worked as a broker at Investors Intelligence and a multi-asset derivatives broker at MF Global (Man Financial), Richard has acquired substantial experience in the industry. His career began as a private client stockbroker at Walker Crips and Phillip Securities (now King and Shaxson), following internships on the NYMEX oil trading floor in New York and London IPE in 2001 and 2000. Richard's contributions and expertise have been recognized by respected publications such as The Sunday Times, BusinessInsider, Yahoo Finance, BusinessNews.org.uk, Master Investor, Wealth Briefing, iNews, and The FT, among many others. Under Richard's leadership, the Good Money Guide has evolved into a valuable destination for comprehensive information and expert guidance, specialising in trading, investment, and currency exchange. His commitment to delivering high-quality insights has solidified the Good Money Guide's standing as a well-respected resource for both customers and industry colleagues. To contact Richard, please see his Invesdaq profile.

Best Interest Rates on Uninvested Cash (January 2026)

IG

interactive investor

InvestEngine

Lightyear

Wealthify

Interactive Brokers

Moneyfarm

AJ Bell

Hargreaves Lansdown

Saxo

Dodl

CMC Invest

eToro

Freetrade

Which Brokers and Investment Platforms Pay the Most Interest on Uninvested Cash?

Richard Berry

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