Best investment platforms paying high interest on cash

You could get a high rate of interest paid on uninvested cash that’s sitting in your share trading account or stocks and shares ISA, or you could get 0%, depending on which platform you’re with.

Despite base rate changes from the Bank of England (BoE), many savers aren’t aware that you can get some great interest rates with investing platforms, so check out our list of the best options below.

Investing platforms with the best interest rates

We’ve shown the most competitive rates we found among investment platforms and trading apps in January 2026, in the table below.

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Finder Score	Variable rate	ISA option	FSCS protection	Offer
Promoted 9Excellent eToro Finder AwardFree Trades	9Excellent	2.75%-3.55%			Go to Site Capital at risk More info Compare product selection Compare	loading
Promoted 9Excellent IG Free Trades	9Excellent	3.75%			Free share: Get up to £1,000 of US stocks when you invest at least £200 by 30 January. New customers only. Offer valid until 30/01/2026 on ISA, GIA or SIPP accounts. Capital at risk. T&Cs apply.	Go to Site Capital at risk More info Compare product selection Compare	loading
Promoted 9.1Excellent XTB Flexible Stocks & Shares ISA Free Trades	9.1Excellent	4%			Bonus rate: Earn 4% AER interest on uninvested cash, paid monthly. T&Cs apply.	Go to Site Capital at risk More info Compare product selection Compare	loading
8.7Great Lightyear	8.7Great	3.89%			Free share: Get up to £100 in a US stock to your GIA when you sign up and deposit at least £100 and use the code "FFLIGHTYEAR26". T&Cs apply. Capital at risk.	Go to Site Capital at risk More info Compare product selection Compare	loading
10Excellent Trading212 Free Trades	10Excellent	3.8%			Free share: Get free fractional shares worth up to £100 when you sign up with Finder’s link or use the code “FINDER”. T&Cs apply.	Go to Site Capital at risk More info Compare product selection Compare	loading
8.8Great Robinhood Free Trades	8.8Great	3.25%			Free share: Get a free share worth up to $175 when you join. Capital at risk. T&Cs apply.	Go to Site Capital at risk More info Compare product selection Compare	loading
8.9Great Bestinvest	8.9Great	3.23%			Get up to £1,000 cashback when you transfer your account over to Bestinvest. T&Cs apply.	Go to Site Capital at risk More info Compare product selection Compare	loading
8.5Great Hargreaves Lansdown Finder Award	8.5Great	1.26%-2.38%			Go to Site Capital at risk More info Compare product selection Compare	loading

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How we picked these

Finder Score for trading platforms

To make comparing even easier we came up with the Finder Score. Costs, features, ease and range of investments across 30+ platforms are all weighted and scaled to produce a score out of 10. The higher the score the better the platform – simple.

Read the full methodology

Should you keep cash on an investing platform?

It can be useful, but it’s also important to be aware of the risks. Not every provider comes with protection from the Financial Services Compensation Scheme (FSCS), which protects deposits of up to £120,000 in the unlikely event that a provider goes bust. So, take a quick look at what level of protection you get from a platform before depositing funds.

Although some interest rates on offer may not beat top easy-access rates from banks, this can still be a convenient option, especially if you’re keeping that cash aside to invest in the future. This way, it’s in your account and ready to be invested whenever you want, and earning a return rather than gathering dust.

Picking an investment platform for the cash interest rate shouldn’t be your only deciding factor, but it’s definitely a helpful bonus.

Our expert says: Is it better to save or invest right now?

"It depends on your short and long-term goals. With interest rates still at a high level, you can earn a decent return from top savings accounts. However, these rates are likely to start dropping as soon as the base rate dips. If you have money that you want to access sometime soon, then a savings account could be a good option. But, if you’re prepared to put you money aside for a longer timeframe for a potentially higher reward, then you might want to consider investing.

The benefit of these investment accounts paying interest is that you can get the best of both worlds, keeping some funds as cash earning interest and then investing the remainder, all under one roof. Saving cash is still looking attractive in the near-term but if you want to beat inflation and grow your wealth, investing has often proven to be the best option in the long run."

George Sweeney, DipFA

Deputy editor

Combining investments and cash savings

It’s slightly under the radar, but there are several UK share dealing accounts offering some competitive rates on uninvested cash – money that’s sitting idle in your investment account.

So, instead of having your investments and cash savings held separately, you could consider keeping them under one roof. But be aware that some of these accounts won’t offer you the same protection as you’d get with a savings account.

Another potential hack is that some apps and platforms will pay this interest on cash held in your stocks and shares ISA. So you could use one ISA account as a hybrid for cash and investments.

Bottom line

Earning interest on uninvested cash held in your investment account is a nice bonus. However, if you’re really keen on simply saving your cash, you can probably find better rates with proper savings accounts. Really, you should be using your investment account for investing (sorry to point out the obvious).

Nevertheless, as an investor, it can be worth keeping some dry powder (cash) to one side, ready to invest if you spot a good opportunity and I don’t think anyone is going to complain about earning some interest on idle cash that’s sat on the sidelines. There is quite a variation in the rates offered by investment accounts, so make sure you shop around and check for any rules or restrictions if this is important to you.

Frequently asked questions

• What is interest on uninvested cash?

  This refers to any interest you could get paid for by a platform if you’re holding a positive cash balance. The rate of interest you’ll receive will depend on the platform you use and how much cash you have.

• Why are platforms able to pay interest?

  Most platforms will likely be earning interest themselves on any cash you’re holding so they can choose to pass some of this on to you as a customer. But that’s why if you want the best rates, it’s better to look outside the investment platforms.

• What happens to uninvested cash?

  It depends on your platform. Some will pay you a certain percentage of interest for keeping cash there but other platforms won’t pay you a penny.

Written by

George Sweeney, DipFA

Deputy editor

George is a deputy editor at Finder. He has previously written for The Motley Fool UK, Nasdaq, Freetrade, Investing in the Web, MoneyMagpie, Online Mortgage Advisor, Wealth, and Compare Forex Brokers. He's focused on making personal finance and investing engaging for everyone. To do this he draws from previous work and his Level 4 Diploma for Financial Advisers (DipFA), sharing what he’s learnt. When he’s not geeking out about money, you’ll find him playing sports and staying active. See full bio

George's expertise

George has written 268 Finder guides across topics including:

• Investing
• Personal finance
• Tax
• Pensions
• Mortgages
• Cryptocurrency