Your idle funds earn interest through arrangements managed by our licensed partner, Aksys Global Markets Europe LTD, in full accordance with EU regulations (MiFID II).
Interest is calculated annually but accrued daily, which means your balance grows every day. Funds are placed in low-risk Money Market Funds to provide stable and predictable returns.
Your funds remain fully accessible at all times. You can top up, withdraw, or transfer money without fees.
This means your money starts working for you without waiting a full year to see results.
How interest accrues
Interest in your Interest Wallet accrues daily and is based on the minimum balance of the previous day.
The balance used for interest calculation:
May be lower than the previous working day’s minimum balance
Cannot be higher than the previous working day’s minimum balance
This means:
Increases over the weekend do not increase the interest base
Decreases reduce the interest base immediately for the next calculation
Simplified interest calculation formula
Daily interest = Previous day’s minimum balance × Annual rate ÷ 365
Interest is calculated after midnight each day.
At that time, all transactions are summarized and the minimum balance for the previous working day is determined.
Top-ups begin generating interest after the first full business day in the wallet.
Interest amounts may vary slightly from day to day due to rounding. Any small leftover amounts are added to the next day’s interest calculation.
If your funds remain in the Interest Wallet for a full year, you will earn the maximum annual interest at the applicable rate.
Example of daily interest accrual
Let’s assume your business deposits €10,000 into the Interest Wallet with an annual interest rate of 1%.
Day 0 (Monday) – First top-up
You deposit €10,000.
No interest is generated on the day of the top-up.
Day 1 (Tuesday)
Minimum balance used: €0 (from the previous working day)
Daily interest: €0
Day 2 (Wednesday) – First interest accrued
Minimum balance used: €10,000
Daily interest calculation:
10,000 × 0.01 ÷ 365 ≈ €0.27
Total balance: €10,000.27
Day 3 (Thursday)
Minimum balance used: €10,000.27
Daily interest: ≈ €0.27
Total balance: ≈ €10,000.54
Interest continues to accrue daily based on the minimum balance of the previous working day.
If no withdrawals are made, after one year, your balance would grow to approximately €10,100 at a 1% annual rate.
Which interest rate applies?
The interest rate you earn depends on your plan and eligibility.
Standard rate
Applies by default based on your plan. You can check the rate for your plan from the settings of your account in "Plan & Limits" section. To compare the rates for different plans, click on "Change plan" and check the comparison table by clicking on "Compare plans".
Promotional rate (if eligible)
Available for a limited promotional period
Applies only up to a specified balance cap
Reverts to the standard rate after the promotional period ends
Specific terms and conditions may apply.
All rates are determined by our licensed partner, Aksys Global Markets Europe LTD, and may change over time. If any changes occur, you will be notified in advance where required.
You can check the client agreement here.
A balance cap defines the maximum amount eligible for a specific rate. If your balance exceeds the cap, the excess amount earns the standard rate according to your plan.