Long-Term Investment (TBSZ) Accounts

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Long-Term Investment (TBSZ) Accounts

Hungarian tax-resident clients can add a fixed-duration TBSZ account and take advantage of tax shelter benefits.

The IBKR Advantage

  • Fund your TBSZ account during the contribution year and invest in stocks, options, futures, bonds, funds and ETFs across 150 markets in 34 countries. Deposits can be of any amount and made at any time during your contribution year in any of the currencies supported by IBIE.
  • TBSZ accounts are maintained for a fixed duration of three or five years. After continuous investment of three years, the tax burden will be reduced to 10% and after five years the tax burden falls to 0%.
  • Easy-to-handle, online process at the end of the three- and five-year terms for managing partial withdrawal, termination (full withdrawal) or roll-over with minimum administrative tasks.
  • Powerful trading technology and advanced trading tools help you create and execute your trading strategies with ease from virtually any desktop or mobile device.
  • Fractional shares let you divide investments among more stocks to achieve a more diversified portfolio.
  • Opening a brokerage account with Interactive Brokers is quick and easy. With an Interactive Brokers account, you can open a TBSZ account in minutes and fund your TBSZ account in seconds.

Low Costs1

IBKR offers low commissions and access to stocks, options, futures, currencies, bonds and funds from a single unified platform.

  • Low monthly fee

  • No holding fee

  • Free of charge if the commission generated is greater than HUF 2,000

  • Low cost commission structure on EU and USA equities

Learn More About Commissions
  • IBKR BestXTM is a powerful suite of advanced trading technologies designed to help clients achieve best execution and maximize price improvement while minimizing market impact.

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*For more information, see our disclaimers.

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Invest globally in stocks, options, futures, currencies, bonds and funds from a single unified platform. Fund your account in multiple currencies and trade assets denominated in multiple currencies. Access market data 24 hours a day and six days a week.







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Available currencies vary by Interactive Brokers affiliate.

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Buy or sell any eligible US or European stocks/ETFs using fractional shares, which are stock units that amount to less than one full share, or by placing an order for a specific dollar amount rather than quantity of shares.

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Manage taxes and corporate actions, learn about T+1 settlement and trade allocations, and read about additional tools and services available to clients.

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Identify and invest in lower cost ETFs with similar strategies to higher-fee mutual funds.

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Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.

Long-Term Investment (TBSZ) Account Structure

TBSZ Account Structure Chart

Individual Account

Account Information

A long-term investment (TBSZ) account provides preferential tax treatment for profit/gains on investments held three to five years.

TBSZ accounts must always be linked with an Individual account, and you may have one TBSZ account per collection year, up to a maximum of five TBSZ accounts. A collection year is the year in which you open and fund your TBSZ account.

Your TBSZ account can only be funded during the collection year, and the minimum funding amount for a TBSZ account is HUF 25,000. Withdrawals can be made at any time, but the preferential tax treatment is lost if you withdraw before the end of year three and reduced if you withdraw before the end of year five.

Open a TBSZ Account

You must be a Hungarian tax resident to open a TBSZ account. The TBSZ account can be requested as part of the account application process or from the User (“Head/Shoulders” icon) > Settings > Open an Additional Account > Individual Brokerage Accounts > TBSZ YYYY menu in Client Portal.

Start Application

Finish an Application

Request TBSZ Account from Client Portal

Request TBSZ Account


  • Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.

  1. Lowest Cost Broker according to StockBrokers.com Online Broker Survey 2023: Read the full article Online Broker Reviews, May 18, 2023. "Because Interactive Brokers' core clientele are professional traders and institutional investors (e.g., hedge funds), it is crucial to provide the lowest commissions schedule available. In our rigorous assessment, there is no question Interactive Brokers delivers."
  2. Available currencies vary by Interactive Brokers affiliate.
  3. Any discussion or mention of an ETF is not to be construed as a recommendation, promotion or solicitation. All investors should review and consider associated investment risks, charges and expenses of the investment company or fund prior to investing. Before acting on this material, you should consider whether it is suitable for your particular circumstances and, as necessary, seek professional advice.
  4. Interactive Brokers Group and its affiliates. For additional information view our Investors Relations - Earnings Release section.