May 2025 – Global multi-asset broker OANDA has announced a compelling new promotion that allows clients to earn up to 7% APY on their unused margin balances. The initiative is designed to help traders grow their funds even when they’re not actively trading, with no additional steps required for enrollment.
This limited-time offer is available for the first 90 days from the date a new account is opened, providing a straightforward and automatic way to earn interest on uninvested capital. The program applies to accounts denominated in EUR, USD, GBP, PLN, and CZK.
Key Benefits of OANDA’s Interest on Unused Margin Promotion:
- Earn up to 7% APY for the first 90 days after account opening
- No active trading required – interest accrues automatically based on daily unused margin
- Tiered interest rates based on unused margin levels:
- 7% APY on €10,000–€25,000 (or equivalent in other supported currencies)
- 6.5% APY on €3,000–€9,999
- 6% APY on €0–€2,999
- Interest is paid monthly, within 10 business days after the end of each calendar month
- After the first 90 days, a flat 0.5% APY applies to unused margins across all account types
Eligibility by Account Type and Deposit Levels:
Equivalent ranges apply for USD, GBP, PLN, and CZK accounts.
Interest is calculated on average daily unused margin and capped at €25,000 (or the equivalent maximum in other supported currencies). After the promotional period, interest continues to be calculated monthly at 0.5% APY.
This offer is available automatically to all eligible new account holders. There’s no need for separate registration or manual tracking—OANDA ensures interest is credited reliably and transparently.
About OANDA
Founded in 1996, OANDA is a leading global broker offering access to forex and CFD trading, corporate FX services, and currency data. The firm is known for its commitment to transparency, client-focused innovation, and strong regulatory compliance.
Terms and conditions apply. Interest rates are quoted on an annual basis and calculated monthly. Currency-specific thresholds and limits apply.
| Feature |  XM Since 2009 |  Oanda Since 2018 |
|---|---|---|
| Rating | ★★★★☆ | ★★★★☆ |
| Regulation | CySEC (Cyprus), DFSA (United Arab Emirates), FSC (Belize), FSCA (South Africa) | ASIC (Australia), CIRO (Canada), FCA (United Kingdom), FSC (The British Virgin Islands), JFSA (Japan), KNF (Poland), MAS (Singapore), NFA (United States) |
| Min Deposit | $5 | $0 |
| Typical Spread | 0.80 | 0.60 |
| Leverage (Max) | 1:30 | 1:888 |
| Platforms | MT4, MT5, Mobile, Proprietary, Web | MT5, Mobile, Proprietary, TradingView, Web |
| Instruments | Algriculture, Commodities, Cryptos, Energies, Indices, Forex, Metals, Real Stocks, Stock CFDs | Algriculture, Commodities, Cryptos, Energies, Indices, Forex, Metals, Stock CFDs |
| Bonus | Yes | Yes |
| Robo Trading Allowed | Yes | Yes |
| Hedging Allowed | Yes | Yes |
| Scalping Allowed | Yes | Yes |
| Swap‑Free / Islamic | Yes | Yes |
| Action | Visit Broker | Read Review |
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