The policy on how interest is earned, allocated and retained, is designed to be both simple and transparent.
Morningstar Wealth International Limited aims to allocate a competitive rate of interest to customers with a cash balance. Interest on cash balances held in the preceding month will be allocated by the 10th working day of the subsequent month. Rates earned, allocated and retained will be published below once confirmed and ahead of being allocated to investor accounts.
Morningstar Wealth International Limited allocates 55% of interest earned on each currency cash service to investors and retains 45% as a contribution towards the cost of providing the platform.
At its discretion, Morningstar Wealth International Limited may choose to allocate a higher rate of interest than the policy above requires.
Interest Rates Detail for GBP
For cash held in GBP,
The table below shows details of the interest rate earned by Morningstar Wealth International Limited, the rate shared with investors and the rate retained.
| Month | Rate Earned | Rate Paid | Cash Management Charge |
| September 2026 | 2.75% | 1.51% | 1.24% |
Note - rates published have been rounded up to the nearest 2 decimal places.
Interest Rates Detail for USD
Details of the interest rate earned by Morningstar Wealth International Limited, the rate paid to customers and the rate retained.
| Month | Rate Earned | Rate Paid | Cash Management Charge |
| September 2026 | 3.35% | 1.84% | 1.51% |
Note - rates published have been rounded up to the nearest 2 decimal places.
Interest Rates Detail for EUR
Details of the interest rate earned by Morningstar Wealth International Limited, the rate paid to customers and the rate retained.
| Month | Rate Earned | Rate Paid | Cash Management Charge |
| September 2026 | 0.80% | 0.44% | 0.36% |
Note - rates published have been rounded up to the nearest 2 decimal places.
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