eToro savings rates — compare every account, plus switch offers and guides

Who they are

eToro was founded in 2007 in Tel Aviv by Yoni Assia, Ronen Assia, and David Ring. It started life as a forex broker before growing into one of the world's better-known trading and social investing platforms. As of the end of 2025, eToro had around 3.81 million funded accounts across 75 countries, holding $18.5 billion of customer assets. In the UK, eToro (UK) Ltd is authorised and regulated by the Financial Conduct Authority under firm reference number 583263. The platform is primarily known for stocks, ETFs, crypto and copy trading - but it has been broadening its offering for UK savers, adding ISA products in partnership with Moneyfarm, the pan-European digital wealth manager launched in 2012 and headquartered in the UK.

Savings accounts

eToro currently offers two ISA products for UK savers, both run on the Moneyfarm platform.

The Cash ISA carries a headline rate of 4.87% AER (variable), made up of a 3.87% base rate plus a fixed one percentage point boost for the first 12 months. The boost is paid as a lump sum at the 12-month mark - not monthly - and you need to keep at least £500 in the account and make no more than three withdrawals in that period to keep it. Breach either condition and you lose the top-up; exceed three withdrawals and the rate drops to a lower variable rate from that point. After 12 months, everyone reverts regardless, so put a calendar reminder in well before the anniversary. The minimum to open with new money is £500. The 4.87% is available to new customers only - any previously funded Moneyfarm or eToro ISA disqualifies you.

One structural point matters here. Your money is not held as a cash deposit. It sits in a Qualifying Money Market Fund, which means FSCS protection is capped at £85,000 under investment scheme rules - not the £120,000 that now applies to standard bank deposits. Moneyfarm holds your money and investments using carefully selected, regulated financial institutions such as Barclays and Saxo Capital Markets UK Ltd. For most savers the distinction is academic, but if you are consolidating a large ISA pot, it is worth factoring in.

The DIY Stocks and Shares ISA lets you build your own portfolio within a tax-free wrapper. Users can choose from over 1,000 assets including UK-listed stocks as well as ETFs, mutual funds and bonds with global exposure. FSCS investment protection of up to £85,000 applies here too, with uninvested cash protected up to £120,000. A cashback offer of up to £10,000 is available when depositing at least £500 or transferring at least £15,000 - full terms apply and you should check the current promotion details before opening.

Is it right for you?

eToro suits savers who are comfortable with an app-based experience and want a competitive easy-access Cash ISA rate without needing to dip in more than three times a year. The flexible ISA structure is genuinely useful - withdraw and replace in the same tax year and it does not eat into your £20,000 allowance. The Stocks and Shares ISA option also makes eToro worth considering if you want to hold cash savings and investments within the same app.

It is less suited to savers who want unlimited access, prefer phone support, or hold balances large enough that the £85,000 FSCS investment limit - rather than the £120,000 deposit limit - becomes a real consideration.

Rates are variable and the market moves. Check the live figures shown on this page before making any decisions.