XTB 和闲置现金：让你的钱更有效地发挥作用

了解 XTB 如何在闲置现金利率方面处于领先地位，为未投资的英镑余额提供高达 4.25% 的 AER。等待时赚钱的明智方法！

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.

那么，您的 XTB 帐户中还有一些现金，是吗？让我们谈谈如何让这笔钱为你工作。 XTB 正在通过其闲置现金利率来改变现状，这是值得关注的事情。

XTB: Paying You to Wait for the Perfect Trade

XTB：付钱给你等待完美的交易

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 确实加大了力度，为未投资的英镑余额提供高达 4.25% 的 AER（年度等值利率）。没错，您只需保持现金可供部署即可赚取利息。没有锁定，没有订阅，也没有最低余额要求。这就像获得报酬一样耐心！

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?

这也不仅仅是零花钱。该 AER 考虑了复利，因此您的收入每天累积并每月存入。这是一项自动功能，因此您无需选择加入、锁定资金或维持任何最低余额。很甜蜜，对吧？

Breaking Down the Numbers

细分数字

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，让我们说实话。虽然英镑余额享有 4.25% AER 的明星待遇，但美元和欧元余额也能赚取利息，尽管利率不同。想象一下您坐拥 10,000 英镑。以 4.25% 的实际利率计算，这一年被动收入的增长相当可观。

XTB vs. the Competition

XTB 与竞争对手的比较

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 的费率是英国最具竞争力的。他们不只是在玩游戏，而是在玩游戏。他们正在改变它。该平台每周更新其AER，之前的所有利率均在XTB官方网站上公开披露。

Who Benefits? Everyone.

谁受益？每个人。

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.

无论您是日间交易者还是长期投资者，XTB 的高现金收益率都适合您。短期交易者可以通过自由现金产生收益，这些自由现金通常是为了交易之间的市场灵活性而持有的。长期投资者可以主动为其交易账户提供资金，为未来的投资机会做好准备，同时产生额外的被动收入。凭借 XTB 多种货币的自由现金收益率，持有多种法定货币余额的投资者无需转移资金即可赚取英镑、美元或欧元利息。

A Word of Caution (and a Dash of Humor)

一句警告（和一点幽默）

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.

当然，请记得向英国税务海关总署 (HMRC) 核实您所赚取的任何收入的税收政策。我不是税务顾问，这也不是税务建议。将此视为您处理成人事务的友好推动。平台全站公开透明，并采用数据加密、账户认证等安全措施进行全面保护。

The Bottom Line

底线

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 让您比以往任何时候都更容易利用闲置现金赚取额外收入。那么，当你的钱可以为你工作时，为什么要把它放在那里无所事事呢？

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

立即注册 XTB，加入超过 170 万客户的行列，将未投资的资金转化为巨大的被动回报。

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

现在，继续让您的资金流动起来（即使您不进行交易）！