Put your cash to work
Explore our range of low-risk options to make the most of your cash.
Capital at risk.
Important information: When you invest, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you invest. Freetrade does not give investment advice and you are responsible for making your own investment decisions. If you are unsure about what is right for you, you should seek independent advice.
Interest on uninvested cash
Deciding what your next investment should be? Choosing between our 6,200+ stocks and ETFs?
While you decide, put your uninvested cash to work by earning interest:
Basic customers get 1% AER / gross on up to £1,000 uninvested cash.
Standard customers get 3% AER / 2.96% gross on up to £2,000 uninvested cash.
Plus customers get 5% AER / 4.88% gross on up to £3,000 uninvested cash.
Learn more here.
UK Treasury bills
Now available for the first time to individual investors: get over 5%* annualised yield with UK Treasury bills.
Issued and backed by the UK government, these fixed-term debt instruments are considered to be among the safest investments available.
They're issued every Friday as part of a weekly tender. Secure your spot every Thursday by 4:30 PM. Learn more here.
*The rate achieved is subject to success in the weekly tender. Forecasts are not a reliable indicator of future performance. Capital at risk. This is not investment advice.
Each UK Treasury bill is a fixed investment for around a month, typically 28 days. However, your money will be tied up for a little longer. It will cease to be available for you to withdraw from the cut-off date, usually a Thursday, on the day before we purchase the UK Treasury bill, usually a Friday. On maturity, your money will become available once we receive the maturity value one business day later. Usually the maturity date is on a Friday and you receive the money on the following Monday, so your money may be tied up for 31 days or more.
Freetrade's Cash Investments
Explore our collection of low-risk ETFs.
They track or try to outperform overnight rates, like the federal funds rate or Sterling Overnight Index Average (SONIA), or invest in ultrashort investment grade bonds.
Learn more here.
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How much can I earn?
Depends on your plan.
Basic: 1% AER on up to £1,000
Standard: 3% AER on up to £2,000
Plus: 5% AER on up to £3,000
You could get over 5%* annualised yield.
Rate is subject to success in weekly tender. Forecasts are not a reliable indicator of future performance. See previous tender results on the DMO website.
Like any ETF, this will vary from instrument to instrument.
Check providers’ websites for the latest yield-to-maturity.
Is there a minimum term?
No.
Yes! Currently, we only offer fixed 1-month Treasury bills.
No.
Any fees and charges?
Only the cost of your subscription plan, should you choose to upgrade to benefit from a higher interest rate:
No fees.
You can choose to upgrade to a subscription plan if you want to benefit from holding them in an ISA.
Some of these ETFs are USD-denominated, so your returns may be impacted by FX fluctuations and FX fees will apply. These fees vary based on your subscription plan.
Accounts
from £4.99/mo
0.59%
3% on up to £2,000 uninvested cash
from £9.99/mo
0.39%
5% on up to £3,000 uninvested cash
