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The Interactive Brokers Mastercard Borrowing

Do More with the
Interactive Brokers
Debit Mastercard®

Unlock the value
of your investments

Borrow against your account from USD 5.83% to 6.83%,1 which is lower than average rates on home equity lines of credit (HELOCs), personal loans, or credit cards.2

Plus, there are no monthly minimum payments or late fees, so you have the flexibility to pay back loans at your own pace.

Use the Interactive Brokers Debit Mastercard® to conveniently purchase almost anything without liquidating your investments3 including:

New Home Icon

New home or
home improvement

New Boat Icon

New car or boat

College Tuition Icon

College tuition

Vacation Icon

Dream vacation

Interactive Brokers Debit Mastercard

How it Works

  1. stock symbols
    Hold $200,000 of Google Stock4
  2. car
    Go to a dealership and buy $40,000 car
  3. institution
    A $40,000 debit balance loan is created
  4. percent symbol
    Interest is charged monthly
  5. calendar
    Pay back the loan at your own pace
  6. 6.58%1
    Margin loan rate on a $200,000 stock portfolio

Check mark Advantages

  • Low margin rates – at 6.83% or less1
  • Pay back the loan at your own pace, with no monthly payments, late fees, or origination fees
  • Conveniently access your account funds wherever Debit Mastercard® is accepted
  • As long as your collateral doesn’t lose value, you won’t have to sell your positions

Warning Triangle Risks

  • Margin interest rates may rise, increasing the cost of your loan
  • Loss in the value of your securities may force the liquidation of securities in your account to satisfy margin calls

Estimate Interest Charged on Margin Loans

Enter Account Balance (USD)
Calculate Blended Rate
Your blended rate for USD

* The interest calculator is based on information that we believe to be accurate and correct, but neither Interactive Brokers LLC nor its affiliates warrant its accuracy or adequacy and it should not be relied upon as such. Neither IBKR nor its affiliates are responsible for any errors or omissions or for results obtained from the use of this calculator. Interactive Brokers calculates the interest charged on margin loans using the applicable rates for each interest rate tier listed on its website. For additional information on margin loan rates, click here

Get Started

Margin borrowing is only for experienced investors with high risk tolerance.
You may lose more than your initial investment.
  1. Annual Percentage Rate (APR) on USD margin loan balances for IBKR Pro as of September 12, 2023. Interactive Brokers calculates the interest charged on margin loans using the applicable rates for each interest rate tier listed on its website. Learn more about margin loan rates.
  2. Rates obtained on July 29, 2022 from Bankrate.com for average HELOC rate, average personal loan rate and average credit card rate from creditcards.com.
  3. Program eligibility is limited to margin customers of Interactive Brokers LLC.
  4. Any trading symbols displayed are for illustrative purposes only and are not intended to portray recommendations.

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.