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Interest Rates

IBKR Interest Rates

Interactive Brokers Clients Earn
Up to USD 4.83% on Their
Instantly Available Cash Balances1

Interest Rates

IBKR pays USD 4.83% interest on instantly available cash over USD 10,000. Accounts with less than USD 100,000 of total value are paid proportionally less.

How Much Interest is
Your Broker Paying You?

USD Interest Rate Comparison

Broker Interest Rate
Bank of America 0.04%
Citi 0.12%
E-Trade 0.01%
Interactive Brokers *
JP Morgan 0.02%
Schwab 0.45%
Vanguard 3.70%
Wells Fargo 1.00%

Rates as of September 12, 2023. *Rate shown applies to IBKR Pro clients only.

Global Interest Rates

BM = IBKR Benchmark Rate. For more information, see IBKR Benchmark Rates.

Currency Tier Rate Paid: IBKR Pro Rate Paid: IBKR Lite
USD 0 ≤ 10,000 0% 0%
> 10,000 4.830% (BM - 0.5%) 3.830% (BM - 1.5%)
AED 0 ≤ 35,000 0% 0%
> 35,000 4.291% (BM - 0.75%) 3.291% (BM - 1.75%)
AUD 0 ≤ 15,000 0% 0%
15,000 ≤ 150,000 3.494% (BM - 0.5%) 2.494% (BM - 1.5%)
> 150,000 3.744% (BM - 0.25%) 2.494% (BM - 1.5%)
CAD 0 ≤ 13,000 0% 0%
> 13,000 4.369% (BM - 0.5%) 3.369% (BM - 1.5%)
CHF 0 ≤ 10,000 0% 0%
> 10,000 1.084% (BM - 0.5%) 0.084% (BM - 1.5%)
CNH 0 ≤ 70,000 0% 0%
> 70,000 0.50% 0.50%
CZK 0 ≤ 250,000 0% 0%
> 250,000 4.803% (BM - 2%) 3.803% (BM - 3%)
DKK 0 ≤ 75,000 0% 0%
> 75,000 2.925% (BM - 0.5%) 1.925% (BM - 1.5%)
EUR 0 ≤ 10,000 0% 0%
> 10,000 3.377% (BM - 0.5%) 2.377% (BM - 1.5%)
GBP 0 ≤ 8,000 0% 0%
> 8,000 4.664% (BM - 0.5%) 3.664% (BM - 1.5%)
HKD 0 ≤ 78,000 0% 0%
> 78,000 5.266% (BM - 0.75%) 4.266% (BM - 1.75%)
HUF 0 ≤ 3,500,000 0% 0%
> 3,500,000 10.247% (BM - 3%) 9.247% (BM - 4%)
ILS All 0% 0%
INR All 0% 0%
JPY 0 ≤ 5,000,000 0% 0%
> 5,000,000 -0.584% (BM - 0.25%) -1.584% (BM - 1.25%)
KRW 0 ≤ 12,000,000 0% 0%
> 12,000,000 2.000% (BM - 1.5%) 1.000% (BM - 2.5%)
MXN 0 ≤ 200,000 0% 0%
> 200,000 7.041% (BM - 4%) 6.041% (BM - 5%)
NOK 0 ≤ 100,000 0% 0%
> 100,000 2.075% (BM - 2%) 1.075% (BM - 3%)
NZD 0 ≤ 15,000 0% 0%
> 15,000 2.662% (BM - 2.5%) 1.662% (BM - 3.5%)
PLN 0 ≤ 400,000 0% 0%
> 400,000 3.786% (BM - 2%) 2.786% (BM - 3%)
SAR 0 ≤ 35,000 0% 0%
> 35,000 5.030% (BM - 0.75%) 4.030% (BM - 1.75%)
SEK 0 ≤ 110,000 0% 0%
> 110,000 3.074% (BM - 0.5%) 2.074% (BM - 1.5%)
SGD 0 ≤ 14,000 0% 0%
> 14,000 2.881% (BM - 1%) 1.881% (BM - 2%)
TRY 0 ≤ 250,000 0% 0%
> 250,000 5% 4%
ZAR 0 ≤ 150,000 0% 0%
> 150,000 7.447% (BM - 1%) 6.447% (BM - 2%)

Negative Rates: For balances held in JPY, IBKR may apply an effective negative rate to long balances held. The negative rate applied to accounts holding this currency is the same regardless of account size. For other currencies in which the effective rate is less than zero, the interest paid is 0%

Interest Rate Calculator

Estimate Interest Paid on Positive (Cash) Balances
Enter Cash Balance
Enter Net Asset Value
Pricing Plan:
IBKR Pro IBKR Lite
Calculate Blended Rate


Examples:

NAV = USD 1,000,000
Cash (USD) Interest Rate Interest Paid Blended Rate
Up to Tier Cutoff 10,000 0.00% 0
Above the Tier Cutoff 990,000 4.83%
Total 1,000,000
 
Blended Rate 1,000,000
NAV = USD 300,000
Cash (USD) Interest Rate Interest Paid Blended Rate
Up to Tier Cutoff 10,000 0.00% 0
Above the Tier Cutoff 290,000 4.83%
Total 300,000
 
Blended Rate 300,000

Disclosures

  1. Accounts with a Net Asset Value (NAV) of USD 100,000 (or equivalent) or greater are paid interest at the full rate. Accounts with a NAV lower than USD 100,000 (or equivalent) receive interest payments at rates proportional to the account size, and no interest is paid on the first USD 10,000 of cash in the account. Please note that interest is earned on positive settled cash balances held in the securities segment of an account but not on cash held in the commodities segment of the account.

  • IBKR may change these rates at any time, in its sole discretion. We will publish the current rates on a best-efforts basis.