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

The Smarter Way to Manage Your Money

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!

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Earn Interest & Borrow

Earn interest up to USD 4.83% on instantly available cash balances1 or borrow at USD 5.83% - 6.83% from a single brokerage account.2

View Interest Details View Margin Details
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Purchase Everywhere

Use the IBKR Debit Mastercard® to make purchases or ATM withdrawals at millions of locations worldwide without late fees or foreign transaction charges.

Learn About Purchasing
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Pay Bills

Use Bill Pay to pay any company or individual in the United States via electronic check (US only).

Learn About Bill Pay
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Touchless Payment

Link the Debit Card with Apple Pay and Samsung Pay for contact-free purchases or with PayPal and Venmo.

Learn About Touchless Payment
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Convenient Deposits

Use our mobile app to deposit checks anywhere or sign up for automatic payroll deposit.

Conveniently Deposit Funds
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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
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Earn Interest

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

View Interest Details
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Borrow

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

View Margin Details
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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
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Low Cost

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

View Cost Details
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Invest

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

View Investment Products
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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

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 October 2, 2023.
  2. For complete information, see ibkr.com/compare.