2% interest

Earn interest on
your cash

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When you invest, your capital is at risk. Other charges may apply.

2% interest on uninvested cash

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, subscription 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. 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

Premium plan

Coming soon

Join the waitlist and be notified when our Premium plan is available.

Accounts

General Investment Account

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Flexible Stocks & Shares ISA

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SIPP Coming soon

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Features

£0 commission

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2% gross interest (2.02% AER) on settled cash

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3,000+ US shares

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Large-cap UK shares

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400+ ETFs and Investment Trusts

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ESG ratings & preferences

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Analyst ratings with price targets

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Limit orders

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1,000+ Mutual Funds

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Mid & Small-cap UK shares

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AIM shares

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USD & EUR wallets (GIA only)

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Bull vs Bear insights

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Company fundamental analysis

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Support

UK-based customer support

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Special offer

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3 Months Free

Once you upgrade from Core to Plus, your first 3 months will be free. T&Cs apply.

Download our app to start your investing journey

When you invest, your capital is at risk.

FSCS logo

Protected

FCA logo

FCA

Regulated

FTSE

Listed Group

Frequently asked questions

How much interest will I earn on settled cash held in my investment accounts?

You’ll earn 2% gross (2.02% AER or Annual Equivalent Rate) interest on uninvested, settled cash balances held in any investment account on the CMC Invest App.

What is 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 is 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 account.

When will I receive my interest payments?

Interest will be paid monthly. You will 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 are credited to your account.

Will I be taxed on my earned interest?

If your interest is earned in an ISA or SIPP, you will not have to pay tax on it. However, tax may be owed on any interest earned within a General Investment Account, if this exceeds your annual interest allowance. 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.

Can my earned interest be accessed 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, invest it (perhaps in our Flexible Stocks & Shares ISA for even more flexibility), or leave it as cash to benefit from compounding.