XTB 和閒置現金：讓你的錢更有效地發揮作用

了解 XTB 如何在閒置現金利率方面處於領先地位，為未投資的英鎊餘額提供高達 4.25% 的 AER。等待時賺錢的明智方法！

So, you've got some cash sitting around in your XTB account, huh? Let's talk about making that money work for you. XTB is shaking things up with its interest rates on idle cash, and it's something worth paying attention to.

那麼，您的 XTB 帳戶中還有一些現金，是嗎？讓我們談談如何讓這筆錢為你工作。 XTB 正在通過其閒置現金利率來改變現狀，這是值得關注的事情。

XTB: Paying You to Wait for the Perfect Trade

XTB：付錢給你等待完美的交易

XTB has really stepped up the game by offering up to 4.25% AER (Annual Equivalent Rate) on uninvested GBP balances. That's right, you can earn interest just for keeping your cash ready to deploy. No lock-ups, no subscriptions, and no minimum balances required. It's like getting paid to be patient!

XTB 確實加大了力度，為未投資的英鎊餘額提供高達 4.25% 的 AER（年度等值利率）。沒錯，您只需保持現金可供部署即可賺取利息。沒有鎖定，沒有訂閱，也沒有最低餘額要求。這就像獲得報酬一樣耐心！

This isn't just pocket change either. That AER takes into account compound interest, so your earnings accumulate daily and are deposited monthly. It’s an automatic feature, so you don’t need to opt-in, lock funds, or maintain any minimum balances. Pretty sweet, right?

這也不僅僅是零花錢。該 AER 考慮了複利，因此您的收入每天累積並每月存入。這是一項自動功能，因此您無需選擇加入、鎖定資金或維持任何最低餘額。很甜蜜，對吧？

Breaking Down the Numbers

細分數字

Okay, let's get real for a second. While GBP balances get the star treatment with that juicy 4.25% AER, USD and EUR balances also earn interest, albeit at different rates. Imagine you're sitting on £10,000. At a 4.25% AER, that's a nice little passive income boost over the year.

好吧，讓我們說實話。雖然英鎊餘額享有 4.25% AER 的明星待遇，但美元和歐元餘額也能賺取利息，儘管利率不同。想像一下您坐擁 10,000 英鎊。以 4.25% 的實際利率計算，這一年被動收入的增長相當可觀。

XTB vs. the Competition

XTB 與競爭對手的對比

XTB's rates are among the most competitive in the UK. They're not just playing the game; they're changing it. The platform updates its AER weekly, and all previous interest rates are publicly disclosed on the official XTB website.

XTB 的費率是英國最具競爭力的。他們不只是在玩遊戲，而是在玩遊戲。他們正在改變它。該平台每週更新其AER，之前的所有利率均在XTB官方網站上公開披露。

Who Benefits? Everyone.

誰受益？每個人。

Whether you're a day trader or a long-term investor, XTB's high cash yields can work for you. Short-term traders can generate yield on free cash that’s typically held for market flexibility in between trades. Long-term investors can proactively fund their trading accounts to prepare for future investment opportunities while generating additional passive income. With XTB’s free cash yields across multiple currencies, investors holding multi-fiat balances don’t have to transfer funds to earn interest in GBP, USD, or EUR.

無論您是日間交易者還是長期投資者，XTB 的高現金收益率都適合您。短期交易者可以通過自由現金產生收益，這些自由現金通常是為了交易之間的市場靈活性而持有的。長期投資者可以主動為其交易賬戶提供資金，為未來的投資機會做好準備，同時產生額外的被動收入。憑藉 XTB 多種貨幣的自由現金收益率，持有多種法定貨幣餘額的投資者無需轉移資金即可賺取英鎊、美元或歐元利息。

A Word of Caution (and a Dash of Humor)

一句警告（和一點幽默）

Of course, remember to check with HM Revenue & Customs (HMRC) about tax policies on any income you earn. I am not a tax advisor, and this is not tax advice. Consider this your friendly nudge to handle the grown-up stuff. The platform provides transparent disclosures throughout its site and uses security measures such as data encryption and account authentication for comprehensive protection.

當然，請記得向英國稅務海關總署 (HMRC) 核實您所賺取的任何收入的稅收政策。我不是稅務顧問，這也不是稅務建議。將此視為您處理成人事務的友好推動。平台全站公開透明，並採用數據加密、賬戶認證等安全措施進行全面保護。

The Bottom Line

底線

XTB is making it easier than ever to earn a little extra on your idle cash. So, why let your money sit there doing nothing when it could be working for you?

XTB 讓您比以往任何時候都更容易利用閒置現金賺取額外收入。那麼，當你的錢可以為你工作時，為什麼要把它放在那裡無所事事呢？

Sign up with XTB today and join more than 1.7 million clients who have transformed their uninvested capital into huge passive rewards.

立即註冊 XTB，加入超過 170 萬客戶的行列，將未投資的資金轉化為巨大的被動回報。

Now, go forth and make your money move (even when you're not trading)!

現在，繼續讓您的資金流動起來（即使您不進行交易）！