Integrated Financial Management

Integrated Investment Management

Borrow, Earn, Spend and Invest Worldwide from One Account

Your IB account is not just for investing; it's an all-in-one financial management account that gives you the power to borrow, earn, spend and invest, as well as view the performance of all of your financial accounts in one place.


Borrow against your account at rates lower than 3.19%1.

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Earn market rate interest on your idle balances and earn extra income by lending your fully paid shares2.

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Spend and borrow directly against your account with Debit Mastercard®. Use your card to make purchases and ATM withdrawals anywhere Debit Mastercard is accepted around the world.

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Invest in stocks, options, futures, forex and bonds on over 100 global exchanges at lower cost3.

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PortfolioAnalyst lets you view the consolidated performance of all of your accounts in one place, including those held at financial institutions other than IBKR, and drill down to the transaction level.

Margin borrowing is only for sophisticated investors with high risk tolerance.
You may lose more than your initial investment.
  1. Annual Percentage Rate (APR) on USD margin loan balances as of 4/10/18. 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, see
  2. Credit interest rate as of 4/10/2018. USD credit interest is paid on balances over USD 10,000 in accounts with Net Asset Value exceeding USD 100,000. For more information, see
  3. According to Barron's Broker Survey 2017: How They Stack Up, March 20, 2017. For complete information, see

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.