The Smarter Way to Manage Your Money

IB Universal Account IB Universal Account

IB Universal Account

The Smarter Way to Manage Your Money

Unlock Your Financial Potential with an All-in-One Solution

Manage all your finances in one account!

Earn Interest

Earn Interest

Earn interest up to USD 4.83% on instantly available cash balances1

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Borrow

Borrow

Borrow at USD 5.83% - 6.83% from a single brokerage account.2

View Margin Details
IBKR Mobile Check Deposit

IBKR Mobile
Check Deposit

Depositing funds to your IBKR account is now as easy as taking a picture with the IBKR Mobile app.

Learn About Mobile Deposits
Bank Deposit Sweep Program

Bank Deposit Sweep Program

Our Insured Bank Deposit Sweep Program allows eligible IBKR clients to obtain up to $2,500,000 of FDIC insurance in addition to existing $250,000 SIPC coverage for total coverage of $2,750,000.

Learn About Sweep Program
Direct Deposit

Direct Deposit

Direct deposit lets you automatically deposit paychecks, pension and social security payments to your IBKR (non-retirement) account.

Learn About Direct Deposit
Strength & Security

Strength & Security

IBKR is a broker you can trust, and our strong financial position and conservative business management protect IBKR and our clients.

Our Strength and Security
Earn Interest

Earn Interest

Earn interest up to USD 4.83% on instantly available cash balances.1

View Interest Details
Borrow

Borrow

Borrow funds at USD 5.83% - 6.83% from a single brokerage account.2

View Margin Details
American Express® International Dollar Card

American Express® International Dollar Card

A Card issued in the US and billed in USD with no pre-set spending limit*. Available for international residents of certain countries in Latin America, the Caribbean (excluding Puerto Rico and US Virgin Islands).

View Card Details
Low Cost

Low Cost

Low commissions with no added spreads, ticket charges, platform fees, or account minimums.

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Invest

Invest

Invest globally in stocks, options, futures, currencies, bonds, funds and more.

View Investment Products
Strength & Security

Strength & Security

IBKR is a broker you can trust, and our strong financial position and conservative business management protect IBKR and our clients.

Our Strength and Security

*No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Open Your Account Today!

Download an app and sign up, or sign up online

Download
IBKR GlobalTrader

Download IBKR GlobalTrader
Open an Account

Download
IBKR Mobile

Download IBKR Mobile
Download IBKR Mobile

Disclosures

Margin loan rates and credit interest rates are subject to change without prior notice.

BY USING THE INTERACTIVE BROKERS DEBIT MASTERCARD YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. This card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank© 2014.

All interest and borrowing activity is through Interactive Brokers LLC. Please see your customer agreement with Interactive Brokers LLC for further details.

Card program marketed and administered by Interactive Brokers LLC, the Program Manager of the Interactive Brokers Debit Mastercard.


  1. Restrictions apply. For additional information on interest rates, click here. Credit interest rate as of February 2, 2024.
  2. For complete information, see ibkr.com/compare.