Welcome to Interactive Brokers

Übersicht: 

Now that your account is funded and approved you can start trading. The information below will help you getting
started as a new customer of Interactive Brokers.

  1. Your Money
  2. Configure your account to trade
  3. How to trade
  4. Trade all over the World
  5. Five points to enrich your IB experience

 

1. Your Money
Deposits & Withdrawals General Info. All transactions are administered through your secure Account Management
Deposits
First, you create a deposit notification through your Account Management > Funding > Fund Transfers > Transaction Type: “Deposit” How to create a deposit notification. The second step is to instruct your Bank to do the wire transfer with the bank details provided in your Deposit Notification.
Withdrawals
Create a withdrawal instruction via your secure Account Management > Funding > Fund Transfers > Transaction Type: "Withdrawals" How to create a withdrawal instruction
If you instruct a withdrawal over the Withdrawal limits, it will be considered an exceptional withdrawal and we will therefore need to match bank account holder and IB account. If destination bank account has been used for a deposit, withdrawal will be processed; otherwise, you must contact customer service and provide the documents needed.
Troubleshooting
Deposits: My bank sent the money but I do not see it credited into my IB account. Possible reasons:
a) A fund transfer takes 1-4 business days
b) A Deposit Notification is missing. You have to create it via your Account Management and send a ticket to Customer Service
c) Amending details are missing. Your name or IB account number is missing in the transfer details. You have to contact your bank and ask for the full amending details.
d) ACH initiated by IB is limited to 100k USD in a 7 business period. If you opened a Portfolio Margin account where the initial requirement is 110k, a wire deposit might be the better deposit option to reduce wait time for your first trade. If selecting ACH a wait time of almost 2 weeks or a temporary downgrade to RegT can be possible solutions.
Withdrawals: I have requested a withdrawal but I do not see the money credited to my bank account. Possible reasons:
a) A fund transfer takes 1-4 business days
b) Rejected. Over the max it can be withdrawn. Please check your account cash balance. Note that for regulatory requirements, when the funds are deposited, there is a 3 day holding period before they can be withdrawn.
c) Your bank returned the funds. Probably because receiving bank account and remitting bank account names do not match.

 

2. Configure your account to trade
Difference between Cash and Margin accounts: If you have chosen the FastTrack application, by default your account type is a cash account with US stock permission. If you would like to get leverage and trade on margin, here how to upgrade to a RegT Margin account
Trading Permissions
In order to be able to trade a particular asset class in a particular country, you need to get the trading permission for it via your Account Management. Please note that trading permissions are free. You might however be asked to sign risk
disclosures required by local regulatory authorities. How to Request Trading Permissions
Market Data
If you want to have market data in real-time for a particular product/exchange, you need to subscribe to a market data package charged by the exchange. How to subscribe to Market data
The Market data assistant will help you choose the right package. Please watch this Video explaining how it works.
Customers have the option to receive delayed market data for free by clicking the Free Delayed Data button from a non-subscribed ticker row.
Advisor Accounts
Have a look at the user guide getting started as advisors. Here you see how to create additional users to your advisor account and grant them access and much more.

 

3. How to trade
The Trader's University is the place to go when you want to learn how to use our Platforms. Here you will find our webinars, live and recorded in 10 languages and tours and documentation about our various Trading Platforms.
Trader Workstation (TWS)
Traders who require more sophisticated trading tools can use our market maker-designed Trader Workstation (TWS), which optimizes your trading speed and efficiency with an easy-to-use spreadsheet interface, support for more than 60 order types, task-specific trading tools for all trading styles, and real-time account balance and activity monitoring. Try the two models
TWS Mosaic: for intuitive usability, easy trading access, order management, watchlist, charts all in one window or
TWS Classic: the Advanced Order Management for traders who need more advanced tools and algos.
General Description and Information / Quick start guide / Usersguide
Interactive Tours: TWS Basics / TWS configuration / TWS Mosaic
How to place a trade:  Video Classic TWS / Video Mosaic
Trading tools: General Description and InformationUsers guide
Requirements: How to install Java for WindowsHow to install Java for MAC / Port 4000 and 4001 needs to be open
Login TWSDownload TWS
WebTrader
Traders who prefer a clean and simple interface can use our HTML-based WebTrader, which makes it easy to view market data, submit orders, and monitor your account and executions. Use the latest WebTrader from every browser
Quick Start Guide / WebTrader User's Guide
Introduction: Video WebTrader
How to place a Trade: Video WebTrader
Login WebTrader
MobileTrader
Our mobile solutions allow you to trade your IB account on the go. The mobileTWS for iOS and the mobileTWS for BlackBerry are custom-designed for these popular models, while the generic MobileTrader supports most other Smart phones.
General Description and Information
Order Types Order Types available and Description / Videos / Tour / Users guide
Paper Trading General Description and Information / How to get a Paper Trading Account
Once your paper account is created, you can share the market data of your real account with your paper trading account: Account Management > Manage Account > Settings > Paper trading

 
4. Trade all over the World
IB accounts are multi-currency accounts. Your account can hold different currencies at the same time, this allows you to trade multiple products around the world from a single account.
Base Currency
Your base currency determines the currency of translation for your statements and the currency used for determining margin requirements. Base currency is determined when you open an account. Customers may change their base currency at any time through Account Management.
We do not automatically convert currencies into your Base currency
Currency conversions must be done manually by the customer. In this video you can learn how to do a currency conversion.
In order to open a position denominated in a currency that you do not have in your account, you have two possibilities:
A) Currency conversion.
B) IB Margin Loan. (Not available for Cash Accounts)
Please see this course explaining the mechanics of a foreign transaction.

 

5. Five points to enrich your IB experience
1. Contract Search
Here you will find all our products, symbols and specifications.
2. IB Knowledge Base
The Knowledge Base is a repository of glossary terms, how-to articles, troubleshooting tips and guidelines designed to assist IB customers with the management of their IB accounts. Just enter in the search button what you are looking for and you will get the answer.
3. Account Management
As our trading platforms give you access to the markets, the Account Management grants you access to your IB account. Use Account Management to manage account-related tasks such as depositing or withdrawing funds, viewing your statements, modifying market data and news subscriptions, changing your trading permissions, and verifying or changing your personal information.
Log In Account Management / AM Quick Start Guide / AM Users Guide
4. Secure Login System
To provide you with the highest level of online security, Interactive Brokers has implemented a Secure Login System (SLS) through which access to your account is subject to two-factor authentication. Two-factor authentication serves to confirm your identity at the point of login using two security factors: 1) Something you know (your username and password combination); and 2) Something you have (an IB issued security device which generates a random, single-use security code). As both knowledge of your username/password and physical possession of the security device are required to login to your account, participation in the Secure Login System virtually eliminates the possibility of anyone other than you accessing your account.
How to Activate your Security Device / How to Obtain a Security Code Card / How to return Security device
In case you forgot your password or lost your security code card, please call us for immediate assistance.
5. Statements and Reports
Easy to view and customize, our statements and reports cover all aspects of your Interactive Brokers account. How to view an Activity Statement 

 

Overview of Dodd-Frank

Background
The Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly referred to as Dodd-Frank, is a U.S. law enacted in July of 2010, the purpose of which is to prevent the recurrence of events which lead to the 2008 financial crisis. Its principal goals are to:

- Promote U.S. financial stability by improving accountability and transparency within the financial system;
- Protect taxpayers from future bailouts of institutions deemed “too big to fail”; and
- Protect consumers from financial services practices considered abusive.

For additional information, please review the following sections:
- Dodd-Frank reforms
- Dodd-Frank and your IB Account

 

 

 

 

 

Dodd-Frank Reforms
To accomplish its goals, Dodd-Frank proposed the following reforms:

- Enhanced oversight and supervision of financial institutions through the creation of Financial Stability Oversight Council
- Creation of a new agency responsible for implementing and enforcing compliance with consumer financial laws (Bureau of Consumer Financial Protection)
- Implementation of more stringent regulatory capital requirements
- Changes in the regulation of over the counter derivatives including restrictions upon access to Federal credit by swaps entities, establishment of regulatory oversight and mandatory trading and clearing requirements
- Enhanced regulation of credit rating agencies intended to eliminate exemptions from liability, enhance rating agency disclosure, establish prohibited activities and impose standards for independent Board governance
- Changes to corporate governance and executive compensation practices
- Incorporation of the Volcker Rule which imposes restrictions upon the speculative proprietary trading activities of banking entities
- Mandating studies intended to reform investor protection rules
- Changes to the securitization market including requirements that mortgage bankers retain a % of risky loans.

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Dodd-Frank and Your IB Account
Perhaps most visible to IB account holders of all the Dodd-Frank regulations are those relating to money transfers. Here, Section 1073 of the Act introduces consumer protections designed to increase transparency with respect to the costs, timing and the right to repudiate cross-border transactions.
For purpose of Section 1073, a cross-border transaction is defined as an electronic transfer of money from a consumer in the United States to a person or business in a foreign country. As IB LLC is a U.S. based broker, all its account holders regardless of whether they are domiciled in the U.S. or not, benefit from this protection and it covers withdrawals denominated in a currency other than the U.S. dollar as well as USD denominated withdrawals sent to a non-U.S. bank. Account holders submitting a withdrawal which is covered by this regulation will be provided with a disclosure after confirming the request within Account Management. This disclosure will include the following information:

- The name and address of the sender and recipient
- The amount to be deducted from the sender’s IB account
- The amount projected to be credited to the recipient’s bank account including an estimate of fees which the receiving bank's correspondent bank(s) may charge. Note that these correspondent bank fees are not set by nor is any part of them earned by IB.
- A disclaimer that additional fees and foreign taxes may apply.
- Notice of the sender’s right to cancel the transfer request for a full refund within 30 minutes of it being authorized.
- Regulatory contact information in the event of questions or complaints.

When estimating correspondent bank transfer fees, IB takes into consideration information collected from past customer transactions in addition to data made available by our agent banks. We encourage our customers to review and consider this information when making decisions regarding cross-border transactions.

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IRA: Required Minimum Distributions

Generally, regulations require traditional and rollover IRA owners to withdraw funds beginning at age 70 1/2, and every year thereafter.  Determining your Required Minimum Distribution (RMD) is significant while retaining an IRA, considering both your life expectancy and the IRA's fair market value.

The required amount for each eligible person is based on the December 31 IRA account value of the previous year and the IRA owners date of birth.  Your spouse's date of birth may also be a factor if your spouse is at least 10 years younger than you.  Interactive Brokers LLC provides several information resources to understand and calculate your RMD, including access to the on-line RMD Calculator.

Principal Trust Company's Role

January RMD Notification

Beginning RMD Distributions

Requesting Your RMD Withdrawal

Determining Your RMD

Calculating Your RMD 

Principal Trust Company's Role

Principal Trust Company serves as trustee of your retirement plan, providing administration and compliance service.  In addition, the plan trustee is required to notify you about your RMD.

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January RMD Notification

The Internal Revenue Service (IRS) requires the plan trustee, Principal Trust Company, to notify IRA owners about the RMD requirements by January 31 each year.  If you turn 70 1/2 this year, you are required to begin taking RMDs before April 1 of the following year.

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Beginning RMD Distributions

Eligible IRA owners must begin receiving withdrawals by December 31 of the year they reach age 70 1/2.  The first RMD withdrawal, however, may be delayed until April 1 of the following year.  

If you elect to delay the withdrawal, then please observe the following considerations:   (1) Two RMD withdrawals will be required the following year, the undistributed initial RMD and the new RMD.  (2) The new RMD will be slightly larger due to the December 31 market value's inclusion of the undistributed initial RMD.

Subsequent RMD withdrawals from your IRA must be distributed by December 31 to avoid a penalty tax.

Note:  Roth IRAs are exempt from the RMD rules during the IRA owner's lifetime.

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Requesting Your RMD Withdrawal

Log in to your Interactive Brokers account through Account Management to request an IRA withdrawal of funds.  IRA distribution forms available through Principal Trust Company will not authorize or execute a withdrawal from your account.

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Determining Your RMD

The IRS provides two Life Expectancy Tables in order to obtain the IRA owner's life expectancy.  Your IRA beneficiary election may play an important factor in determining your RMD. 

Calculating Your RMD

The RMD is determined by dividing your account's prior year December 31 value by your life expectancy factor as taken from the IRS life expectancy tables.   This RMD must be calculated for each of your IRA accounts.  Principal Trust Company updates the RMD Calculator each year with data from the IRS' current Life Expectancy Tables.  See also the IRS Publication 590 to review the tables. 

In addition, Principal Trust Company's January RMD notification includes a method for calculating your amount. 

Note: If you have multiple IRAs, then you may combine the total year end values and take the distribution from one, each, or any combination of your IRAs.

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Click here to return to the Retirement Account Resource page.

Disclaimer:  IB does not provide tax advice. These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any international, federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor. We recommend that you consult a qualified tax adviser or refer to the U.S. Internal Revenue Service.

IRA: Retirement Account Resource Center

IMPORTANT NOTE: This article has been customized for use by self-directed Individual Retirement Account (IRA) owners for information purposes only.  Persons are encouraged to consult a qualified tax professional with the investments and elections within the IRA.   IB does not provide tax advice.  For detailed information regarding IRAs, you may consult the IRS Publication 590.

Through Delaware Charter and Trust Company, doing business as Principal Trust Company, Interactive Brokers offers a variety of Individual Retirement Accounts (IRAs).  This resource center provides a central navigation into the resources, procedures and Account Management navigation of the retirement accounts below. 

Important IRA dates to consider are listed below.

Important Notice - Select 2012 Tax Reporting for key information with 2012 transactions and tax reporting in your IRA.

 

Account Management IRA Reference

Account Management IRA Tab

Beneficiary Options

Charitable Distributions

Conversions to a Roth IRA

Direct Rollovers - How & When

Frequently Asked Questions

Recharacterizations from a Roth IRA

Required Minimum Distributions

Rollover Rules & Conditions

Understanding Tax Forms

 

 

Important Dates To Consider   

Please check the calendar often.  Some dates subject to change.

Jan. 31:  RMD Notice - Required Minimum Distribution notices sent to account holders age 70 1/2 by December 31.   

                Tax Form 1099-R - IB posts the tax forms which confirm prior year distributions.

                2012 Charitable Distribution - Last date for eligible distributions to to be recharacterized as made on December 31, 2012.  Also, the final date to transfer December 2012 distributions to a qualified charity as a qualified charitable distribution.

Apr. 15:  Excess Contributions - IRS Deadline to withdraw excess IRA contributions for the prevous tax year.

                IRA Open/Funding - Deadline to establish and fund an IRAs for the previous tax year.

                Roth/Traditional Contribution - Deadline for prior tax year IRA contributions.

                SEP - Deadline for prior tax year employer and employee non-elective contributions.

May 31:  Tax Form 5498 - IB posts the tax forms which confirm prior year contributions.

Sept. 30: IRA Beneficiary - IRS cutoff to identify "designated beneficiary" of previous year deceased IRA owners.

Dec. 27:  RMD- Interactive Brokers cut-off to submit a Required Minimum Distribution as 2012 distribution.

                Distributions - Interactive Brokers cut-off to submit a 2012 IRA distribution.

 

 

 IRS Circular 230 Notice: These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor.

Wie kann ich das IB Sicherheitsgerät an Interactive Brokers LLC zurückschicken?

Background: 

Falls Sie Ihr Sicherheitsgerät an IB zurückschicken müssen (durch Beschädigung, Kontokonsolidierung oder Kontoschliessung), folgen Sie bitte den unten aufgelisteten Instruktionen:

 

Falls Sie Ihr Sicherheitsgerät an IB zurückschicken müssen (durch Beschädigung, Kontokonsolidierung oder Kontoschliessung), folgen Sie bitte den unten aufgelisteten Instruktionen:

  1. Laden und drucken Sie das Sicherheitslogingerät Rücksendeformular.
  2. Füllen Sie das Formular aus und packen Sie es zusammen mit dem Sicherheitsgerät ein.
  3. Schicken Sie das Paket an eine der unten aufgeführten Adressen.

Zu Ihrem Schutz empfehlen wir Ihnen einen gepolsterten Umschlag und einen Kurierservice mit Verfolgungsnummer (z.B. UPS, FedEx, DHL oder Deutsche Post Express Post) zu benutzen, da Sie für die Rücksendung verantwortlich sind im Falle eines Verlusts auf dem Weg zu unseren Büros. Bitte erlauben Sie die Dauer von 3 Tagen für den Erhalt und die Entfernung des Sicherheitsgeräts von Ihrem Konto. Bitte beachten Sie, dass die Lieferungszeit je nach Kurier Verspätung haben kann.

Zusätzliche Aktionen für Ersatzgeräte
Falls dies eine Ersatzgeräterücksendung und keine Kontoschliessungsrücksendung ist, rufen Sie bitte unsere technische Hilfsdienstabteilung unter 00800-42-276537 Option 2, 3 und die 2 an, um uns über Ihr defektes Gerät zu informieren und, damit wir Ihnen einen temporären Token zum weiteren Einloggen in die Kontoverwaltung und Trader Workstation aktivieren und zur Verfügung stellen können, bis das neue Ersatzgerät bei Ihnen eingetroffen ist. IB stellt mehrere verschiedene Gerätetypen zur Verfügung und die Ersatzprozederen dafür sind unten aufgeführt:
 

Für Platinum User:
Falls Sie Ihr Platinum Sicherheitslogingerät zurückschicken (Bild 1) und ein Ersatzgerät benötigen, müssen Sie in der Kontoverwaltung ein neues Gerät beantragen. Dies ist nötig wegen der erhöhten Sicherheitsfunktionen dieses Geräts. Sie können nur ein neues Gerät beantragen sobald IB den Erhalt des zurückgesendeten Geräts bestätigt hat, weil nur ein Sicherheitsgerät an einen User des Kontos gelinked werden kann. Nach der Anfrage stellen Sie bitte sicher, dass Sie die Bestätigungsseite der Anfrage, welche Ihre zur Aktivierung benötigten PIN Nummer und Ihren einzigartigen Passsatz enthält, ausdrucken.

Exhibit 1

 

Für Alpine User:
Falls Sie ein Alpine Sicherheitslogingerät zurückschicken (Bild 2), wird IB ein Ersatzgerät basierend auf der positiven Eingabe 'Ja' auf die Frage 'Benötigen Sie ein Ersatzgerät?' des SLS Rücksendefomulars reagieren. Es benötigt keine weiteren Aktionen auf unserer Webseite.

Exhibit 2

 

Für Digitale Sicherheitskarten (DSC) User:
Falls Sie eine Digitale Sicherheitskarte zurückschicken und ein Ersatzgerät benötigen, loggen Sie sich in die Kontoverwaltung ein und bestellen eine neue Karte. Dies ist nötig wegen der PIN Funktion dieser Karte. Bitte merken Sie sich Ihren PIN für den Aktivierunsprozess der Karte.

 

Für Sichereitsloginkarten User:
Dieser Kartentyp muss nicht zurückgeschickt werden und kann zerstört werden.

Postadresse für US & Kanadische Kunden: Postadresse für EU & Asiatische Kunden: Postadresse für  Australische Kunden:
Interactive Brokers, LLC.
Attn: Token Return Department
2 Pickwick Plaza
Greenwich, CT 06830
(203) 618-4006

Interactive Brokers (U.K.) LTD.
Attn: Token Return Department
Gotthardstrasse 3
CH-6301 Zug
Switzerland
+41-41-726-9500

Interactive Brokers, LLC.
Attn: Token Return Department
Grosvenor Place, Level 42
225 George Street
Sydney, 2000
+61 (2) 8093-7300

Kontoschliessung
Nach Schliessung des Kontos und Rücksendung des Sicherheitsgeräts können Sie sich weiterhin in die Kontoverwaltung einloggen um Kontoauszüge oder Steuerformulare anzuschauen und/oder zu drucken. Nach der Schliessung können Sie sich ohne das Sicherheitsgerät mithilfe von Usernamen und Passwort in die Kontoverwaltung einloggen.

 
Für weitere Fragen oder Unklarheiten wenden Sie sich bitte an unsere erfahrenen Sicherheitsspezialisten unter 00800-42-276537 Option 2, 3 und die 2, oder schicken Sie eine Email an tac@interactivebrokers.com
 
Für Informationen zur Ersatzgerätegebühr für verlorene, gestohlene, zerstörte oder nicht zurückgeschickte Sicherheitsgeräte schauen Sie sich KB1861 an.

 

Aktivierung einer Online Sicherheitscodekarte

Übersicht: 

Die Online Sicherheitscodekarte dient als temporäre Lösung für Kunden, die keinen Zugriff auf Ihr permanentes Sicherheitsgerät besitzen und einen temporären Token zum Einloggen beantragt haben.

Hintergrund:

Die Online Sicherheitscodekarte dient als temporäre Lösung für Kunden, die keinen Zugriff auf Ihr permanentes Sicherheitsgerät besitzen und einen temporären Token zum Einloggen beantragt haben. Nach Aktivierung des temporären Tokens empfiehlt IB den Kunden sich in die Kontoverwaltung einzuloggen und die Online Sicherheitscodekarte zu aktivieren, die folgende Vorteile mitbringt:

- Erhöhte Sicherheit vor Internethackern durch die Abfrage zufälliger Codes beim Login;

- Verlängert das Zeitfenster (21 Tage ggü. 2 für temporären Token) zum Erhalt und zur Reaktivierung des permanenten Sicherheitsgeräts, wodurch die Online Sicherheitscodekarte deaktiviert wird;

- Erlaubt Rücküberweisungen und Informationsänderungen ohne die Restriktionen, die durch die Aktivierung des temporären Tokens entstehen;

- Kann direkt in der Kontoverwaltung erstellt und aktiviert werden und erlaubt die Reaktivierung des permanenten Sicherheitsgeräts ohne Kontakt zum Kundendienst.

 

Die Schritte zur Aktivierung der Online Sicherheitscodekarte lauten wie folgt:

(Falls die Menüs der Kontoverwaltung oben angezeigt werden):

1. Wählen Sie Konto verwalten, Sicherheit und Sicherheitsloginsystem;

 

2. Wählen Sie 'Ja, ich möchte am Sicherheitsloginsystem teilnehmen' und auf 'Fortfahren'

 

3. Nun wird Ihnen ein Bild der Online Sicherheitscodekarte angezeigt. Bitte drücken Sie auf die 'Drucken' Option, die sich oberhalb der angezeigten Karte befindet (oder machen Sie einen Rechtsklick mit der Maus auf die Karte um dieses Bild auf Ihrem Desktop zu speichern).

 

4. Drücken Sie auf die 'Bestätigen' Option um die Kartenaktivierung zu initialisieren. Zwei Kartenindexwerte erscheinen auf dem Bildschirm.

 

5. Geben Sie den drei-stelligen alphanummerischen Code der Karte, die zur ersten Indexnummer auf der Karte angezeigt wird, in das 'Kartenwerte' Feld ein und wiederholen Sie diesen Vorgang mit der zweiten Indexnummer ohne ein Leerzeichen zwischen den Codes einzugeben.

 

6 Drücken Sie auf 'Übermitteln'

 

7. Nach Aktivierung der Karte wird Ihnen das Ablaufdatum zusammen mit Optionen für weiterführende Aufgaben angezeigt.

 

Schauen Sie KB1042 für Videoinstruktionen zum Login mit der Sicherheitscodekarte.

Schauen Sie KB1942 für Instruktionen zur Reaktivierung des permanenten Sicherheitslogingeräts

Schauen Sie KB1943 für Instruktionen zur Beantragung eines Ersatzsicherheitsgeräts

 

(Falls die Menüs der Kontoverwaltung links angezeigt werden)

1. Wählen Sie User Management und Secure Login System;

2. Wählen Sie 'Yes, I want to participate in the Secure Login System'

3. Nun wird Ihnen ein Bild der Online Sicherheitscodekarte angezeigt. Bitte drücken Sie auf die 'Print' Option, die sich rechts oberhalb der angezeigten Karte befindet (oder machen Sie einen Rechtsklick mit der Maus auf die Karte um dieses Bild auf Ihrem Desktop zu speichern).

4. Drücken Sie auf die 'Confirm' Option um die Kartenaktivierung zu initialisieren. Zwei Kartenindexwerte erscheinen auf dem Bildschirm.

5. Geben Sie den drei-stelligen alphanummerischen Code der Karte, die zur ersten Indexnummer auf der Karte angezeigt wird, in das 'Card values' Feld ein und wiederholen Sie diesen Vorgang mit der zweiten Indexnummer ohne ein Leerzeichen zwischen den Codes einzugeben.

6. Drücken Sir auf 'Submit'

7. Nach Aktivierung der Karte wird Ihnen das Ablaufdatum zusammen mit Optionen für weiterführende Aufgaben angezeigt.

Security Device Replacement Charge

Account holders logging into their account via IB's Secure Login System are issued a security device, which provides an additional layer of protection to that afforded by the user name and password, and which is intended to prevent on-line hackers and other unauthorized individuals from accessing their account. While IB does not charge any fee for the use of the device, certain versions require that the account holder return the device upon account closing or incur a replacement fee.  Existing account holders are also subject to this replacement fee in the event their device is lost, stolen or damaged (note that there is no fee to replace a device returned as a result of battery failure). 

In addition, while IB does not assess a replacement fee unless a determination has been made that the device has been lost, stolen, damaged or not returned, a reserve equal to the fee will placed upon the account upon issuance of the device to secure its return.  This reserve will have no effect upon the equity of the account available for trading, but will act as limit to full withdrawals or transfers until such time the device is returned (i.e., cannot withdraw the reserve balance).

Outlined below are the replacement fee associated with each device.

SECURITY DEVICE REPLACEMENT FEE
Security Code Card $0.001
Digital Security Card    $20.00 
Alpine Device $0.002
Digital Security Card + $20.00 
Gold Device $150.00 
Platinum Device $150.00 

For instructions regarding the return of security devices, please see KB975

 

1The Security Code Card is not required to be returned upon account closing and may be destroyed and discarded once remaining funds have been returned and the account has been fully closed. Access to Account Management after closure for purposes of viewing and retrieving activity statements and tax documents is maintained using solely the existing user name and password combination.

2IB is no longer issuing replacement Alpine Devices and account holders using this device have been issued notice and instructions within Account Management for requesting a replacement. Please contact your local Customer Service Center in the event you maintain this device and have yet to receive its replacement.

Cash Sweeps

Background
Underlying the IB Universal account are two separate sub-accounts or segments, one for the securities positions and balances which are subject to the customer protection rules of the SEC and another for the commodities positions and balances which are subject to the customer protection rules of the CFTC. This Universal account structure is designed to minimize the administrative overhead that customers would otherwise be exposed to were they to maintain two distinct accounts (e.g., transferring of cash between accounts, login and order submission through separate accounts, multiple statements, etc.) while preserving the separation required by regulation.

These regulations further require that all securities transactions be effected and margined in the securities segment of the Universal account and commodities transactions in the commodities segment.1  While the regulations allow for the custody of fully-paid securities positions in the commodities segment as margin collateral, IB does not do so, thereby limiting their hypothecation to the more restrictive rules of the SEC. Given the regulations and policies which direct the decision to hold positions in one segment vs. the other, cash remains the only asset eligible to be transferred between the two and for which customer discretion is provided.

Outlined below is a discussion as to the cash sweep options offered, the process for selecting an option as well as selection considerations.

 
Cash Sweep Options
Customers are provided with 3 sweep options, descriptions for which are provided below:
 
 1. Do not sweep excess funds – under this election, excess cash does not move from one segment to another unless necessary to:
a. Eliminate/reduce a margin deficiency in the other segment;
 
b. Minimize a cash debit balance and therefore interest charges in a given segment.  Note that this is the default option and sole option for account holders having only one of securities or commodities trading permissions.
 
2. Sweep excess funds into my IB securities account – here, cash balances are only held in the commodities segment to the extent necessary to satisfy the current commodities margin requirement. Any cash in excess of the margin requirement, generated as a result of either an increase in cash (e.g., favorable variation and/or transaction related) or decrease in the margin requirement (e.g., changes in the SPAN risk arrays and/or transaction related) will be automatically transferred from the commodities segment to the securities segment. Note that the account holder must have permissions to trade securities in order to select this option.
 
3. Sweep excess funds into my IB commodities account – here, cash balances are only held in the securities segment to the extent that they, along with any other securities positions having loan value, are needed to satisfy the current securities margin requirement. Note that the account holder must have permissions to trade commodities in order to select this option. 
 
Other items of note:
-  As the Universal account allows for cash balances to be held in a variety of denominations, a hierarchy exists for the purpose of determining which particular currency to transfer first when long balances in multiple currencies exist. In these situations the procedure is to first transfer balances denominated in the Base Currency, then USD and then the remaining long currency balances in order of highest to lowest.
 
- To minimize the likelihood of one segment incurring a margin deficiency following the sweep of excess cash to the other, the full excess will not be transferred and a buffer equal to 5% of the maintenance margin requirement will be retained. Similarly, to minimize the operational overhead of transferring nominal balances, balances will only be transferred if, after giving effect to the 5% margin cushion, the excess, if any, is not less than 1% of account equity or $200.
 
- When performing the pre-trade credit check to determine whether an account maintains sufficient equity to support a new order, excess cash maintained in one segment will be considered for trades conducted in the other (although a sweep will not occur until the trade has executed and only if it then remains necessary for margin compliance).  Accounts which are designated as a Pattern Day Trader and which are subject pre-trade credit check that takes into account the prior as well as current day's equity should pay particular attention to the Selection Considerations section below.
 
 
Selecting a Sweep Option
If your Account Management version contains a series of menu options on the left-hand side, select the Account Administration and then Excess Funds Sweep menu options. If your version has menu options across the top, select the Manage Account/Settings and then the Configure Account/Excess Funds Sweep menu options. Regardless of your version, you will be presented with a screen which appears as follows:
 

You may then select the radio button alongside the option of your choice and select the Continue button. Your choice will take effect as of the next business day and will remain in effect until a different option has been selected. Note that subject to the trading permission settings noted above, there is no restriction upon when or how often you may change your sweep method. 

 

Selection Considerations
While the decision to elect one segment vs. the other for the purposes of maintaining excess cash may involve subjective decisions and preferences unique to each customer (e.g. customer maintains assets which are significant and concentrated in one segment vs. the other), outlined below are several factors warranting consideration:
 
1. Pattern Day Trading Equity - The securities buying power of accounts designated by regulation as Pattern Day Traders (i.e., 4 or more day trades within a 5 business day period) is limited by the lesser of the current or prior day’s closing equity in the securities segment. As such, an election to sweep excess funds to the commodities segment will prevent the inclusion of such funds in this calculation, thereby potentially limiting the capacity to enter new orders. To maximize the use of equity for purposes of entering securities orders, one would need to elect to sweep excess fund to the securities segment.  Note that an election to the securities segment will not impair the ability to enter commodities orders as the pattern day trading rules do not apply to such accounts.
 
2. Insurance – SIPC protection is afforded to assets in the securities segment and there is no commensurate insurance scheme in place for the commodities segment. That being said, balances in excess of the SIPC $250,000 cash sub-limit ($900,000 Lloyd’s cash sub-limit, where applicable) are not afforded coverage. Customers of IB Canada and IB UK are also subject coverage rules as specified by CIPF and the FSCS, respectively.
 
3. Interest Income – all other things being equal, customers are likely to receive the most optimal interest income on long cash balances that have not been partitioned between the securities and commodities segments as they are not aggregated for interest credit purposes (since they are subject to distinct segregation pools and reinvestment rules). This, along with the fact that credits require maintenance of a minimum cash balance and that higher balances are afforded preferential rates are factors to be considered when making a sweep election.2
 
Other Relevant Knowledge Base Articles:
A Comparison of U.S. Segregation Models
 
 
Footnotes:
1As OneChicago single stock futures are a hybrid product jointly regulated by the SEC and CFTC, they can be purchased and sold in either account type. IB, however, conducts such transactions in the securities segment of the Universal account as this is necessary to provide margin relief between the single stock future and any qualifying stock or option position.
 
2Consider, for example, an account which maintains a long USD balance of $9,000 in each of the securities and commodities segments. Depending upon the benchmark Fed Funds Effective rate, the account would be eligible to earn interest on $8,000 ($18,000 - $10,000) if the two balances were held in a single segment, but since balances below $10,000 in either of the two segments are not eligible for interest, could not earn anything without electing a sweep option. Similarly, one would be eligible to earn interest at a higher tier if as a result of a sweep election the account holder was then able to achieve a long USD cash balance above $100,000 in a given segment. For additional information regarding interest calculations including a link to current benchmark interest rates, refer to KB39.

 

銀行送金による出金方法

ご出金いただく場合は、アカウントマネジメントより出金指示をご入力ください。

<アカウントマネジメントのメニューが左側に表示されている場合>
アカウントマネジメントへログインし、Funds Management(資金管理)Fund Transfers(入金・出金)を選択してください。

※画面上部に表示されております国旗を選択することでメニューの言語切替が可能です。

<アカウントマネジメントのメニューが上部に表示されている場合>
アカウントマネジメントへログインし、Funding(入金・出金)Fund Transfers(入金・出金)を選択してください。

※画面右上に表示されております世界地図をクリックすることでメニューの言語切替が可能です。

 

1. 表示される画面上でTransaction(入金・出金)より「Withdraw Funds(出金)」、Method(方法)より「Zengin Wire(国内送金)」、Instruction(指示)より「Add New Instruction(出金先の新規登録)」を選択します。

※ IBSJ口座(国内商品取引口座)をお持ちのお客様は、上部にございます日本の国旗をクリックすることでメニューを日本語に変換できます。

※ IBLLC口座(海外商品取引口座)をお持ちのお客様は、Transactionより「Withdrawal Funds(出金)」、Methodより「Wire(電子送金)」、Instructionより「Add New Instruction(出金先の新規登録)」を選択してください。

2. 次にCurrency(通貨)Bank Location(銀行所在地)Bank Account Number(銀行口座番号)Account Type(口座種別)Bank/Branch code(銀行および支店コードをスペースなしで続けて入力)等の情報を入力する画面が表示されます。これらの情報をご入力後、「Continue(次に進む)」をクリックしてAmount(金額)をご入力ください。出金確認ページを完了しますと、お客様の出金リクエストは担当部署にてレビュー後、処理されます。

※ IBLLC口座(海外商品取引口座)をお持ちのお客様には、Currency(通貨)Bank Location(銀行所在地)Bank Account Number(銀行口座番号)SWIFT code(SWIFTコード)等の情報を入力する画面が表示されます。

※ マネーロンダリング防止の取り組みとして、弊社からの出金は全てお客様のIB口座名義にて出金処理されますのでご了承ください。

この他ご不明な点がございましたら、カスタマーサービスまでお問い合わせください。

 

www.interactivebrokers.com/en/p.php?f=customerService&ib_entity=llc

 

 

How to withdraw funds via bank wire transfer

To make a wire withdrawal to your bank account you will first need to register a new withdrawal instruction through Account Management.

<If your Account Management has menus on left side>
Once logged into Account Management, select the Funds Management and then Funds Transfers menu options. ※ You may change languages by clicking a flag shown on the top.

<If your Account Management has menus on top>

Once logged into Account Management, select the Funding and then Funds Transfers menu options.
※ You may change languages by clicking a gray global map on the right top of the screen.


1. From there you will select the Transaction Type of "Withdrawal", the Method of " Zengin Wire ", the Instruction of "Add New Instruction".

※ If you are IBLLC customers, you will select the Transaction Type of "Withdraw Funds", the Method of "Wire", and Instruction of "Add New Instruction".

2. You will then be prompted to input Currency of denomination, Bank Location, Bank Account Number, Account Type, and Bank/Branch code (no space between bank and branch codes). Once that information has been input, click "Continue" button to enter withdrawal amount. After confirmation page, your withdrawal request will be reviewed and processed.

※ IBLLC customers will be prompted to input your receiving bank details including Currency of denomination, Bank Location, Bank Account Number and SWIFT code of your bank.

※ Please note that all withdrawals will be sent in the name of IB account holder in accordance with anti-money laundering regulations.

Should you have further questions, please contact one of our Customer Service Centers.

www.interactivebrokers.com/en/p.php?f=customerService&ib_entity=llc

IRA: Charitable Distribution

Übersicht: 

TAX UPDATE:  An extension of the Qualified Charitable Distribution provision through December 31, 2014 passed the House on December 3, 2014 and goes to the Senate for consideration. 

Among other tax breaks, The Tax Increase Prevention Act of 2014 would allow IRA owners to complete a QCD retroactively and to re-characterize the distribution as made on December 31, 2014.  IRA plan trustees, however, would report the distribution for 2014. 

You can track the bill at Govtrack.us.

 

IRA owners 70½ or older may request an IRA distribution direct to a “qualified charity.” The following FAQs provide basic answers.

 

Charitable Distributions

What is a Qualified Charitable Distribution (QCD)?

What is a "qualified charity?"

Where can an IRA owner find additional information on QCDs?

Withdrawal Processing

Can IB customers submit a QCD withdrawal online?

What amount may be withdrawn? Why?

Where are the funds disbursed?

Does the distribution count towards the Required Minimum Distribution (RMD) amount?

Eligible IRA Accounts

Is the Charitable Distribution allowed from all IRAs held at IB?

Are the QCDs allowed from other IRA and retirement plans not held at IB?

QCD Tax Reporting

How is the QCD reported to the IRS?

Can any taxes be withheld from the distribution?

Do federal taxes have to be paid on the distribution?

Does a state or municipal tax have to be paid on the distribution?

 

 

Charitable Distributions

What is a Qualified Charitable Distribution (QCD)?
A distribution from an eligible IRA to an eligible charitable organization from an individual 70 ½ or older

How to determine if a charity can receive the QCD?
The IRS article "Search for Charities" and Online IRS Publication 78, Cumulative List of Organizations, contain a list of organizations eligible to receive tax-deductible charitable contributions.

Where can an IRA owner find additional information on QCDs?
IRS Publication 590

 

Withdrawal Processing

Can IB customers submit a QCD withdrawal online?
Yes, but not through Account Management. Requests are processed manually.  The withdrawal request must be initiated by the IRA owner through a the Customer Service Message Center located within the Account Management menu.   Click the header Support and Message Center to access the secure Message Center.  You may submit the request directly to IB Customer Service using inquiry tickets and track the status.

What amount may be withdrawn? Why?
IB will process the tax-free QCD of any available amount from an eligible IRA. Why? Although the gifts must not exceed $100,000 per year to retain QCD status, gifts may exceed this limit.

Where are the funds disbursed?
Funds are made payable to the IRS qualified charity and sent direct to the charity. Only funds disbursed directly to the charity can be designated from your IRA as a QCD. 

Does the distribution count towards the Required Minimum Distribution (RMD) amount?
Yes

 

Eligible IRA Accounts

Is the Charitable Distribution allowed from all IRAs held at IB?
No, see the list below.  IRA owners should contact a qualified tax advisor about how to preserve QCD tax benefits. Not all distributions are created equal. A tax advisor will be able to assess an IRA owner’s best choice.

Traditional IRA > YES
Rollover IRA > YES
Roth IRA > YES
SEP IRA > NO
Education IRA > NO

Are the Charitable Distributions allowed from other IRA and retirement plans not held at IB?
No, not directly.  Retirement plans, employer sponsored SEP IRAs, and Simple IRAs (account classifications not held at IB) are not eligible for a QCD election. IRA owners may be eligible to rollover assets from these plans into a traditional, rollover, or Roth IRA to take a charitable distribution.  IRA owners should contact a qualified tax advisor or their retirement plan administrator.


QCD Tax Reporting

How is the QCD reported to the IRS?
Principal Trust Company, the IRA plan administrator for all IB IRAs, reports the distribution on Form 1099-R when issued.

 

Can any taxes be withheld from the distribution?
No.

Do federal taxes have to be paid on the distribution?
Generally, federal taxes are not paid with QCDs. But distributions in excess of the IRS limit may be subject to income tax.  IB recommends that customers contact a qualified tax advisor.

Does a state or municipal tax have to be paid on the distribution?
Contact your tax advisor or local tax authority on state and municipal requirements for the distributed amount.

 

Disclaimer:  IB does not provide tax advice. These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any international, federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor. We recommend that you consult a qualified tax advisor or refer to the U.S. Internal Revenue Service.

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