2% interest
Earn interest on
your cash
Download the app
Protected
FCA
Regulated
FTSE 250
Group
When you invest, your capital is at risk. Other charges may apply.
Earn interest on
Take a flexible approach to your investing journey
While you decide when and what to invest in, continue to put your money to work by earning interest on your cash.
- 2% interest on cash balances
All CMC Invest customers will earn a 2% gross rate (2.02% AER) on their uninvested, settled cash – paid out monthly (interest rate is subject to change). - Across all accounts
Available across all accounts, plans, and currency wallets. - Sky’s the limit
There are no fixed terms or limits to your interest earning potential – no matter if you have £50 or £50,000 in cash.
Compare our plans
Core plan
£0
Always pay nothing for our Core plan. Our Core plan will always be £0/month.
OFFER
Plus plan
£10 £0
Get our Plus plan for £0/month for the first 3 months*, then pay up to £10/month.
OFFER
Premium plan
£25 £0
Get our Premium plan for £0/month for 12 months^, then pay up to £25/month.
Accounts
General Investment Account
Flexible Stocks & Shares ISA
Self-invested Personal Pension New
Benefits
£0 commission
2% gross interest (2.02% AER) on uninvested cash
3,000+ US shares
Large-cap UK shares
400+ ETFs and Investment Trusts
ESG ratings & preferences
Analyst ratings with price targets
Limit orders
Bull vs Bear insights
Company fundamental analysis
1,000+ Mutual Funds
Mid & Small-cap UK shares
AIM shares
USD & EUR wallets (GIA only)
Support
UK-based customer support
Special offers
3 Months Free Promotion
Switch from Core to Plus for our 3-month free promotion. T&Cs apply.
12 Months Free Promotion
Switch from Core or Plus to Premium for our 12-month free promotion. T&Cs apply.
Download our app to start your investing journey
When you invest, your capital is at risk.
Protected
FCA
Regulated
FTSE 250
Group
Frequently asked questions
How much interest will I earn on settled cash held in my investment accounts?
You can find the most up-to-date interest rate that you’ll earn on uninvested, settled cash balances held in your accounts on our website, or on the wallet screen in the app.
What’s the difference between gross interest and AER?
Gross interest reflects the annual rate earned on settled cash if you withdrew each interest payment after it was received. AER reflects the rate of interest earned each year when payments are not withdrawn from accounts. Due to compounding, it’s a slightly higher rate than gross interest.
When will the amount of interest I’ve earned be calculated?
Interest on uninvested, settled cash will be calculated daily and paid out monthly.
What is settled cash?
Settled cash refers to funds that have been processed, cleared and are available to be withdrawn from your GIA or ISA accounts.
When will I receive my interest payments?
Interest will be paid monthly. You’ll receive a payment within 10 business days from the end of the prior month.
When can I invest interest payments?
Interest payments can be invested as soon as they’re credited to your account.
Will I be taxed on my earned interest?
If your interest is earned in your stocks & shares ISA or your SIPP, you won’t have to pay tax on it. However, tax may be owed on any interest earned within your general investment account, if this exceeds your annual interest allowance. Any interest paid to your general investment account will be shown in your ‘Consolidated Tax Certificate’, provided to you following the end of each tax year. Tax treatment depends on your individual circumstances and may be subject to change in the future.
Can I hold cash in my flexible stocks & shares ISA?
Yes, you can hold GBP cash in your flexible stocks & shares ISA and earn interest on it while you decide where to invest it.
What happens if CMC Invest changes the interest rate?
If CMC Invest changes our interest rate offering, then notice of this will be published on our website and the wallet screen in the app.
Can I access my earned interest at any time?
Once the earned interest is deposited into your account, you have the flexibility to decide how you want to use it. There are no fixed terms. You can withdraw it (GIA & ISA only), invest it or leave it as cash to benefit from compounding.
