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Investing in financial products involves taking risk. Your investments may increase or decrease in value, and losses may exceed the value of your original investment.
Fund Your Account
Fund Your Account
Interactive Brokers offers a number of flexible and convenient methods for funding your account.
Use the following menus to choose what you will use to fund your account. We will use this information to let you know which deposit methods are available to you.
Credit Period is the number of days before funds are posted to the customer's account and available for trading. Credit is posted after the close-of-business of the relevant day (e.g., 4 business days means credit is posted close-of-business on the 4th day). Please see the knowledgebase article for more details.
The Withdrawal Hold Period is the number of days before the customer may withdraw the funds deposited. The Withdrawal Hold Period begins on the Entry Date and ends after the close of business of the relevant day. For example, six business days means withdrawal can be submitted on the seventh business day).
Where applicable, interest is not paid during the hold period for checks. If this is a concern, we encourage customers to send an electronic funds transfer (wire or low value payment, such as ACH, SEPA, BACS etc) where interest is paid from the settlement date of the deposit.
Please be aware that it is against Interactive Brokers policy to accept physical currency (cash) deposits. Please make all deposits to your IBKR account by wire transfer, check, direct bank transfer (ACH), or via one of the other methods described above. IBKR will charge a special handling fee of 1% of the deposit amount (minimum $50 fee) for any physical currency deposits.
US T-Bills may be deposited as collateral, but we require a minimum of $1,000,000 in US T-Bills for a transfer. To initiate a US T-Bill transfer, contact Customer Service.
Interactive Brokers does not accept physical stock certificates.
Third-Party Deposits - Interactive Brokers strongly discourages and, in most cases, rejects third-party deposits, which have historically been viewed by the financial services industry and its regulators as being highly susceptible to acts of fraud and money laundering. For more information, see our FAQ on the subject.
Interactive Brokers is not responsible for any fees charged by your or any other financial institution involved during the process of wiring funds to your IBKR account. Before wiring funds to your IBKR account, ask your financial institution if they or their correspondent bank charge for that service.
In the case of wire deposits, please note that routing instructions vary by currency type and the instructions which you will need to supply to your bank are made available upon creation of a deposit notification through Client Portal. Deposits improperly routed by clients to a bank account not designated to accommodate deposits in the source currency are subject to rejection or automatic conversion into the local currency based on the policies of that bank. As IBKR is unable to assume the risk of such errors, clients are advised to provide their bank with correct routing instructions for the specific currency available in the deposit notifications through the Client Portal.
In the case of deposits made by check, IBKR will not accept any checks which require endorsement to IBKR and will only accept check deposits having IBKR as the direct payee where the party who writes the check either:
Has the same last name as the individual account holder (e.g.; spouse or, child); or
In the case of organization/institution accounts, maintains an affiliation with the account (e.g.; officer, trader or owners).
In the US only, through Mobile Check Deposit, IBKR accept check deposits made payable to the IBKR account holder. The check must be properly endorsed as directed in the Mobile Check Deposit feature, otherwise the check may be subjected to rejection upon review. Clients are advised to retain their check until they have deposit confirmation.