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Terms & Conditions Apply

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Earn 5% fixed APR on non-invested FUNDS up to US$50K / HK$400K

When you choose FXCM Bullion, you are choosing more than a place to invest your money. You are choosing a place to invest your trust—and a way to let your money grow.

  • Interest and deposit can be withdrawn anytime
  • Get all interest that are entitled
  • Interest is paid on a monthly basis

Interest Payout Table

Daily Average Usable Margin Monthly Interest

USD-denominated Account

USD 10,000USD 41
USD 25,000USD 104
USD 50,000USD 208

HKD-denominated Account

HKD 80,000HKD 333
HKD 200,000HKD 833
HKD 400,000HKD 1,666
Notice: FXCM Bullion Limited is a broker offering Bullion trading and is not a deposit-taking company defined in the Banking Ordinance (Cap. 155) and not subject to the supervision of the Hong Kong Monetary Authority.
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Free Trading Station Practice Account

Get comfortable trading OTC Gold/Silver Bullion by registering for a free demo account with no risk.

*All fieds are required
By registering the FXCM Bullion demo or real account, I/we acknowledge that I/we have read and understand FXCM Bullion Limited's privacy policy provided below. I/We further give consent to FXCM Bullion Limited to use my/our personal data for the purposes (including direct marketing) described in the privacy policy. I/We agree to notify FXCM Bullion Limited promptly if I/we object to FXCM Bullion Limited using my/our personal data in relation to such purposes. FXCM Bullion Limited's privacy policy.
Demo Account: Although demo accounts attempt to replicate real markets, they operate in a simulated market environment. As such, there are key differences that distinguish them from real accounts; including but not limited to, the lack of dependence on real-time market liquidity. The operational capabilities when executing orders in a demo environment may result in atypically, expedited transactions; lack of rejected orders; and/or the absence of slippage. There may be instances where margin requirements differ from those of live accounts as updates to demo accounts may not always coincide with those of real accounts.


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Be at ease with your money at FXCM Bullion

FXCM Bullion is a part of the FXCM group of companies (collectively, the “FXCM Group”), a global financial services firm with offices around the world. When you put your trust with FXCM Bullion, you get a lot in return.

We are ready and able to help you. Our dedication to you is part of the reason why we earned the title Best Overall Client Satisfaction multiple times. A friendly member of our staff is always available to assist you.

Funding Your Account Is Easy

FXCM Bullion accounts are denominated in US dollars or HK dollars. You can choose from several secure funding options, including debit and credit card, bank wire and paper check.

Ready to fund your FXCM Bullion account today?

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Terms and Conditions | Frequently Asked Questions

When are interest payments applied?
Interest on usable margin is paid monthly. The credit typically arrives within seven business days of the month's end. Verify payment by logging into and clicking on "Account Statement." Select the time period, click "Get Report" and review the "Account Activity" section for the interest credit.

How is the interest calculated?
The 5% APR is paid out on your average usable margin for the month. Each day at approximately 5 p.m. EST, a snapshot is taken of the usable margin in your account. This is added up and divided by the number of days in the month (provided that the account was open for the entire duration of the month). Interest is paid on the average usable margin in the account for the month paying interest for each day the account was open and eligible to receive interest.

In a 31-day month, an account that has USD 50,000 in usable margin every day at the 5 p.m. snapshot calculates interest payments as follows:

[(Total Sum of Deposits from Daily Snapshot/Days in the Month) x (0.05)] ÷ (months in a year) = monthly payout

What if I open my account in the middle of the month?
You may still earn interest; you simply have fewer days used in the calculation. See the description above for calculating interest.

Is there a minimum I have to deposit to earn interest?
There is no minimum deposit necessary to earn interest, but the minimum to open an account with FXCM Bullion is USD 500/HKD5,000.

What if my usable margin exceeds exceeds USD 50,000 / HKD 400,000?
The maximum amount you can earn interest on is USD 50,000 / HKD 400,000. However, there is no limit to the available equity or usable margin that you can have in your account.

If I close my account, how do I receive interest?
In the event that an account's full balance is withdrawn prior to interest being credited, rights to such interest are forfeited and credit will not be made to the account.

What if I do not want to earn interest on my account?
You can disable interest payments on your account. To request this setting, please email

FXCM Bullion may change interest rate at any time at our discretion.