Fund Your Account
Fund Your Account
Interactive Brokers offers several flexible and convenient methods for funding your account.
Use the menus below to tell us what you want to do, your residency and the currency you are depositing.
Click "Use this Method" to log in and proceed with your request.
Direct ACH Transfer from your Bank
One-time setup at your bank to link to your IBKR account. After linking accounts, log in at your bank to initiate transfers.
FAST
Trade in one business day or less after initial setup.
FREE
Free
1 STEP
Use your bank login to initiate and complete transfers. We have no limit, but your bank may.
Link a New Bank Account
Link a new bank account for seamless deposits initiated at IBKR. Transfer time and deposit limits are determined by your bank.
FAST
Depending on the transfer method your bank supports, funds may be available instantly. Your transfers will never take more than 4 business days.
FREE
Free
3 STEPS
Step 1: Provide your banking information to link your bank account.
Step 2: Enter your deposit amount.
Step 3: Confirm request.
Bank Wire
One time setup of a Wire template at your bank to transfer funds from your bank to your IBKR account.
FASTEST
Trade as quickly as one business day or less, determined by your bank.
FEES
Determined by your bank, generally fees do apply.
2 STEPS
Step 1: Notify IBKR of each deposit.
Step 2: Contact your bank to send wire. No limit on amounts.
Transfer from Wise Balance
Link your Wise profile, then initiate a fund transfer from your Wise multi-currency account to your IBKR account. Wise converts your funds into an IBKR supported currency and transfers the funds to your IBKR account.
FAST
Trade within hours (depending on currency). Provide transaction details for specific ETA.
FEES
Wise charges for currency conversion. Provide transaction details to review currency-specific fees.
1 STEP
Use your IBKR account to initiate fund transfers from Wise.
Online Bill Pay
One-time setup of IBKR as a payee in your bank's bill payment application. After initial setup, use your bank's bill payment application to move funds from your bank to IBKR.
FAST
Trade in one to six business days, determined by your bank.
FREE
Fees are determined by your bank, but generally free.
2 STEPS
Step 1: Notify IBKR of each deposit.
Step 2: Send deposit via bank's bill payment app. Limits determined by your bank.
Scan a Check
Scan a check with IBKR Mobile Check Deposit
SLOW
Trade six business days after depositing your check.
FREE
Fees are determined by your bank, but generally free.
1 STEP
Scan a check payable to you in IBKR Mobile.
Mail a Check
Send a paper check to IBKR.
SLOW
Trade six business days after your check arrives at IBKR.
FREE
Fees are determined by your bank, but generally free.
2 STEPS
Step 1: Notify IBKR of each deposit.
Step 2: Mail a check to IBKR. Limits determined by your bank.
Disclosures
- 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 our Knowledge Base 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, generally, 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.
- Interest paid to you varies with market conditions. For information regarding the amount of interest currently paid on credit balances see www.interactivebrokers.com/en/accounts/fees/pricing-interest-rates.php .
- 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.