If you are an institution, click below to learn more about our offerings for RIAs, Hedge Funds, Compliance Officers and more.

Integrated Cash Management

Integrated Investment Management

Earn, Borrow, Spend and Invest Worldwide from One Account


Open a single IBKR Integrated Investment account and get the best financial deal without the hassle of having to transfer between accounts. Directly deposit your paycheck and instantly earn high interest, invest in stocks, options, futures, forex, bonds and funds around the world at low cost, and spend when needed with Bill Pay or our Mastercard®5. If you have the need to borrow, you can do so at the lowest rates.

Earn

Earn market rate interest on your uninvested balances and earn extra income by lending your fully paid shares. Directly deposit your paycheck and instantly earn high interest1.

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Borrow

Borrow against your account whenever needed at extremely low, market determined rates.

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Spend 5

Use our Bill Pay to pay any expense. Our Debit Mastercard allows you to make purchases anywhere or automatically pay off your existing credit card each month and maximize your card rewards.

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Invest

Invest in stocks, options, futures, forex, bonds and funds from a single integrated account on over 150 global exchanges at low cost6.

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5. The Interactive Brokers Debit Mastercard and Bill Pay are only available to clients of Interactive Brokers LLC that are resident in the United States.

6. According to StockBrokers.com Online Broker Survey 2022: Read the full article Online Broker Reviews, January 11, 2022. "Professionals can take advantage of industry-leading commissions, including the lowest margin rates across all balance tiers."

Margin borrowing is only for sophisticated investors with high risk tolerance.
You may lose more than your initial investment.
  1. Credit interest rate as of 02/07/2023. USD credit interest is paid at the stated rate on balances over USD 10,000 in securities accounts with NAV exceeding USD 100,000. Accounts with less than 100,000 NAV will receive USD credit interest at rates proportional to the size of the account. The rate paid in smaller accounts is proportionally reduced, so that if the total value of the account is $60,000 the interest rate paid is reduced by 40%. For more information, see ibkr.ie/interestrates.
  2. Barron's estimated a customer's monthly costs at each of the 16 brokers in the 2018 "Best Online Broker" ranking. Interactive Brokers was the lowest cost for the Frequent and Occasional trader. For complete information, click here.

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.