Individual Savings Account for UK Residents

IBKR provides UK clients with access to tax-advantaged accounts, including Individual Savings Accounts (ISA) and Junior Individual Savings Accounts (JISA). This section provides guidance on implementing ISA and JISA account creation via the API.

ISA (Individual Savings Account)

Account Coupling Requirements

IBKR enforces mandatory account coupling with ISA accounts. When an ISA application is submitted, IBKR automatically creates a General Investment Account (GIA) underneath the IB-UK master.

Important: Agreements for both GIA and ISA must be included within the Documents section of the XML application submitted to IBKR using the /create endpoint.

ISA Restrictions

Trading Permissions

Stock Only – No other asset types permitted

Margin Requirements

No Margin Trading – Accounts must be configured as CASH

Identification Requirements

Tax Residency: Must be GBR (United Kingdom)
National ID: If “IssuingCountry":"GBR“, NationalCard is required

ISA and GIA Coupling Details

Creation Method

ISA can only be created using new origination (submitting application using /create endpoint)
ISA cannot be added using AddAdditionalAcct

Account Linking

ISA and linked GIA will be associated with a single username and password
Credentials for the GIA account will be included within the ISASatelliteAccount section of the response file
- Attribute: satelliteAccountId

Multiple GIA Scenario

If a user maintains an existing GIA and requests an ISA:

The user will now have two GIA accounts, each with a different username
The GIA associated with ISA cannot be linked to the existing GIA
Each GIA operates independently with separate credentials

Account Closure Rules

The GIA associated with ISA cannot be closed independently of the ISA
To close: Submit closure request for the ISA, and the linked GIA will automatically be closed
If a closure request is submitted for the GIA linked to ISA, an error will be thrown

Registration Tasks Assignment

Registration tasks are assigned at the applicant level:

Two Applicants Scenario

Applicant 1: ISA with Linked GIA
Applicant 2: Independent GIA

Single Applicant Scenario

Options include:

GIA + Linked GIA (created using AddAdditionalAcct)
ISA with Linked GIA

Technical Implementation

Required fields for ISA Accounts

Object	FD	FA
Account Holder(s)*
Email*	Y	Y
Name* _{first, last}	Y	Y
DOB	Y	Y
CountryOfBirth	Y	Y
NumDependents	Y	Y
MaritalStatus	Y	Y
Identification _{ID Document, citizenship}	Y	Y
MailingAddress _{country*, state, city, street_1, postal_code}	Y	Y
Residence _{country*, state, city, street_1, postal_code}	Y	Y
Phone _{number, type- Mobile Required}	Y	Y
EmploymentType	Y	Y
EmploymentDetails _{If EMPLOYED or SELFEMPLOYED: employer, occupation, employer_business, employer_address}	Y	Y
TaxResidencies* _{country and tin}	Y	Y
Tax Form _{W8Ben, W9}	Y	Y
IBKR Agreements and Disclosures	Y	Y
Proof of Address and Proof of ID Documents	Y (If Trulioo Verification is NoMatch)	Y (If Trulioo Verification is NoMatch)
Account Information
FinancialInformation _{net_worth, liquid_net_worth, annual_net_income}	Y	Y
SourcesOfWealth	Y	Y
InvestmentExperience _{years_trading, trades_per_year, knowledge_level}	Y	Y
RegulatoryInformation _{account holder or immediate family member controller, employee of a publicly traded company or a registered rep}	Y	Y
Accounts* _{base_currency, margin}	Y	Y
TradingPermissions*	Y	Y
InvestmentObjectives	Y	Y
AdvisorWrapFees*	N	Y

Sample Applications

ISA | GBR | Full Integration

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Applications xmlns="https://www.interactivebrokers.com/schemas/IBCust_import">
  <Application has_translation="false">
    <Customer md_status_nonpro="true" email="janedoe@tester.com" prefix="nvest" type="INDIVIDUAL" external_id="testapp1234">
      <AccountHolder>
        <AccountHolderDetails is_translated="false" same_mail_address="true" external_id="testapp1234">
          <Name last="Doe" first="Jane"/>
          <DOB>1995-04-28</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <MaritalStatus>S</MaritalStatus>
          <NumDependents>0</NumDependents>
          <Residence postal_code="SW9 9NY" country="GBR" state="GB-ENG" city="London" street_1="1 Tester Lane"/>
          <Phones>
            <Phone country="GBR" number="+4407584089999" type="Mobile"/>
          </Phones>
          <Email email="janedoe@tester.com"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="PA123456D" citizenship="GBR"/>
          <EmploymentType>EMPLOYED</EmploymentType>
          <EmploymentDetails>
            <employer>CHIPOTLE</employer>
            <occupation>EXECUTIVE</occupation>
            <employer_business>FOOD AND BEVERAGE</employer_business>
            <employer_address postal_code="W1G 0PW" country="GBR" state="GB-ENG" city="London" street_1="1 TESTER Square"/>
          </EmploymentDetails>
          <TaxResidencies>
            <TaxResidency TINType="NonUS_NationalId" TIN="PA123456D" country="GBR"/>
          </TaxResidencies>
          <W8Ben electronic_format="true" tax_form_file="Form5001.pdf" blank_form="true" cert="true" part_2_9a_country="GBR" tin_or_explanation_reqd_to_create_accounts="true" foreign_tax_id="PA141807D" name="Jane Doe"/>
        </AccountHolderDetails>
        <FinancialInformation is_translated="false" annual_net_income="250000" liquid_net_worth="500000" net_worth="500000">
          <InvestmentExperience>
            <AssetExperience knowledge_level="Extensive" trades_per_year="4" years_trading="5" asset_class="STK"/>
            <AssetExperience knowledge_level="Extensive" trades_per_year="4" years_trading="5" asset_class="OPT"/>
          </InvestmentExperience>
          <SourcesOfWealth>
            <SourceOfWealth is_used_for_funds="true" percentage="100" source_type="SOW-IND-Income"/>
          </SourcesOfWealth>
        </FinancialInformation>
        <RegulatoryInformation is_translated="false">
          <RegulatoryDetail status="false" code="ControlPubTraded"/>
          <RegulatoryDetail status="false" code="EmployeePubTrade"/>
          <RegulatoryDetail status="false" code="AFFILIATION"/>
        </RegulatoryInformation>
      </AccountHolder>
    </Customer>
    <Accounts>
      <Account IRA_type="ISA" IRA="true" margin="Cash" multicurrency="false" base_currency="GBP" external_id="testapp1234">
        <InvestmentObjectives>
          <objective>Speculation</objective>
        </InvestmentObjectives>
        <TradingPermissions>
          <TradingPermission product="STOCKS" country="ALL"/>
        </TradingPermissions>
        <AdvisorWrapFees strategy="NO_FEE"/>
      </Account>
    </Accounts>
    <Users>
      <User prefix="nvest" external_individual_id="testapp1234" external_user_id="testapp1234"/>
    </Users>
    <Documents>
      <Document exec_ts="1731406668576" exec_login_ts="1731406668576" valid_address="false" form_no="5001">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="D8AA699678D12DE6AC468A864D4FAE7999AA904B" file_length="67700" file_name="Form5001.pdf"/>
      </Document>
      <Document exec_ts="20240117041717" exec_login_ts="20240117041717" valid_address="false" form_no="2109">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="BF01D3C5B2B7BC6CA90A4051636051A828FD735F" file_length="15697" file_name="Form2109.pdf"/>
      </Document>
      <Document exec_ts="20150716152843" exec_login_ts="20150716015642" valid_address="false" form_no="3024">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="274FA053D7E4080F0AD429787B9F94ABDF5498D7" file_length="67600" file_name="Form3024.pdf"/>
      </Document>
      <Document exec_ts="1731406668576" exec_login_ts="1731406668576" valid_address="false" form_no="4319">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="485e44e6bc1e969ee1888fbf12bc957d7d41a182" file_length="472704" file_name="Form4319.pdf"/>
      </Document>
      <Document exec_ts="1731406668576" exec_login_ts="1731406668576" valid_address="false" form_no="4376">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="67D8506963789C3A2DA7B68F134D8F3F2515AFBC" file_length="118429" file_name="Form4376.pdf"/>
      </Document>
      <Document exec_ts="1731406668576" exec_login_ts="1731406668576" valid_address="false" form_no="4547">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="C7A601FD4C746EFC8767FCE886B03782A5C89A1C" file_length="409788" file_name="Form4547.pdf"/>
      </Document>
      <Document exec_ts="1731406668576" exec_login_ts="1731406668576" valid_address="false" form_no="4548">
        <SignedBy>Jane Doe</SignedBy>
        <AttachedFile sha1_checksum="5FFF4BFEDD2F75A63EF493BB9F6ADEA63EBAF2A6" file_length="416100" file_name="Form4548.pdf"/>
      </Document>
    </Documents>
  </Application>
</Applications>

ISA | GBR | Hybrid- All Info

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Applications xmlns="https://www.interactivebrokers.com/schemas/IBCust_import">
  <Application has_translation="false">
    <Customer md_status_nonpro="true" email="janedoe@tester.com" prefix="nvest" type="INDIVIDUAL" external_id="testapp1234">
      <AccountHolder>
        <AccountHolderDetails is_translated="false" same_mail_address="true" external_id="testapp1234">
          <Name last="Doe" first="Jane"/>
          <DOB>1995-04-28</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <MaritalStatus>S</MaritalStatus>
          <NumDependents>0</NumDependents>
          <Residence postal_code="SW9 9NY" country="GBR" state="GB-ENG" city="London" street_1="1 Tester Lane"/>
          <Phones>
            <Phone country="GBR" number="+4407584089999" type="Mobile"/>
          </Phones>
          <Email email="janedoe@tester.com"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="PA123456D" citizenship="GBR"/>
          <EmploymentType>EMPLOYED</EmploymentType>
          <EmploymentDetails>
            <employer>CHIPOTLE</employer>
            <occupation>EXECUTIVE</occupation>
            <employer_business>FOOD AND BEVERAGE</employer_business>
            <employer_address postal_code="W1G 0PW" country="GBR" state="GB-ENG" city="London" street_1="1 TESTER Square"/>
          </EmploymentDetails>
          <TaxResidencies>
            <TaxResidency TINType="NonUS_NationalId" TIN="PA123456D" country="GBR"/>
          </TaxResidencies>
          <W8Ben electronic_format="true" tax_form_file="Form5001.pdf" blank_form="true" cert="true" part_2_9a_country="GBR" tin_or_explanation_reqd_to_create_accounts="true" foreign_tax_id="PA141807D" name="Jane Doe"/>
        </AccountHolderDetails>
        <FinancialInformation is_translated="false" annual_net_income="250000" liquid_net_worth="500000" net_worth="500000">
          <InvestmentExperience>
            <AssetExperience knowledge_level="Extensive" trades_per_year="4" years_trading="5" asset_class="STK"/>
            <AssetExperience knowledge_level="Extensive" trades_per_year="4" years_trading="5" asset_class="OPT"/>
          </InvestmentExperience>
          <SourcesOfWealth>
            <SourceOfWealth is_used_for_funds="true" percentage="100" source_type="SOW-IND-Income"/>
          </SourcesOfWealth>
        </FinancialInformation>
        <RegulatoryInformation is_translated="false">
          <RegulatoryDetail status="false" code="ControlPubTraded"/>
          <RegulatoryDetail status="false" code="EmployeePubTrade"/>
          <RegulatoryDetail status="false" code="AFFILIATION"/>
        </RegulatoryInformation>
      </AccountHolder>
    </Customer>
    <Accounts>
      <Account IRA_type="ISA" IRA="true" margin="Cash" multicurrency="false" base_currency="GBP" external_id="testapp1234">
        <InvestmentObjectives>
          <objective>Speculation</objective>
        </InvestmentObjectives>
        <TradingPermissions>
          <TradingPermission product="STOCKS" country="ALL"/>
        </TradingPermissions>
        <AdvisorWrapFees strategy="NO_FEE"/>
      </Account>
    </Accounts>
    <Users>
      <User prefix="nvest" external_individual_id="testapp1234" external_user_id="testapp1234"/>
    </Users>
  </Application>
</Applications>

JISA (Junior Individual Savings Account)

Unlike ISA, JISA does not enforce account coupling with a GIA. However, JISA applications require two sets of contact information:

1. Account Holder Details

The AccountHolderDetails section reflects the Junior Contact (minor) who owns the account

2. Registered Contact

The AssociatedIndividual section contains information about the individual overseeing or managing the account (parent/guardian)

Technical Implementation

Required fields for Junior ISA Accounts

Object	FD	FA
Junior Contact Information	Y	Y
Name* _{first, last}	Y	Y
Residence _{country*, state, city, street_1, postal_code}	Y	Y
MailingAddress _{country*, state, city, street_1, postal_code}	Y	Y
DOB	Y	Y
CountryOfBirth	Y	Y
Identification _{ID Document, citizenship}	Y	Y
TaxResidencies* _{country and tin}	Y	Y
SourcesOfWealth	Y	Y
Tax Form _W8Ben
Registered Contact
Email*	Y	Y
Name* _{first, last}	Y	Y
DOB	Y	Y
CountryOfBirth	Y	Y
MailingAddress _{country*, state, city, street_1, postal_code}	Y	Y
Residence _{country*, state, city, street_1, postal_code}	Y	Y
Identification _{ID Document, citizenship}
Phone _{number, type- Mobile Required}	Y	Y
EmploymentType	Y	Y
EmploymentDetails _{If EMPLOYED or SELFEMPLOYED: employer, occupation, employerBusiness, employerAddress}	Y	Y
IBKR Agreements and Disclosures	Y	Y
Proof of Address and Proof of ID Documents	Y (If Trulioo Verification is NoMatch)	Y (If Trulioo Verification is NoMatch)
Account Information
FinancialInformation _{net_worth, liquid_net_worth, annual_net_income}	Y	Y
InvestmentExperience _{years_trading, trades_per_year, knowledge_level}	Y	Y
RegulatoryInformation _{account holder or immediate family member controller, employee of a publicly traded company or a registered rep}	Y	Y
Accounts* _{base_currency, margin}	Y	Y
TradingPermissions*	Y	Y
InvestmentObjectives	Y	Y
AdvisorWrapFees*	Y	Y
Title _code	Y	Y

Sample Applications

JISA | GBR | Full Integration

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Applications xmlns="http://www.interactivebrokers.com/schemas/IBCust_import">
  <Application has_translation="false">
    <Customer md_status_nonpro="false" email="DAM41832012@aol.com" prefix="skm" type="INDIVIDUAL" external_id="tester123">
      <AccountHolder>
        <AccountHolderDetails AuthorizedPerson="false" same_mail_address="false" external_id="tester123">
          <Name last="Contact" first="Junior"/>
          <DOB>2022-12-20</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <Residence postal_code="BR2 9FR" country="GB" state="GB-LND" city="LONDON" street_1="24 TESTER LANE"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="NB123456C" citizenship="GBR"/>
          <TaxResidencies>
            <TaxResidency TINType="NonUS_NationalId" TIN="NB123456C" country="GBR"/>
          </TaxResidencies>
          <W8Ben electronic_format="true" tax_form_file="Form5001.pdf" blank_form="true" signature_type="Electronic" cert="true" part_2_9a_country="GBR" tin_or_explanation_reqd_to_create_accounts="true" foreign_tax_id="NB400056C" name="Junior Contact">
            <LocalTaxForms>
              <LocalTaxForm treaty_country="GBR" qualify="true" tax_authority="CANADA_TA"/>
              <LocalTaxForm treaty_country="GBR" qualify="true" tax_authority="AUSTRALIA_TA"/>
            </LocalTaxForms>
          </W8Ben>
          <Title code="Account Holder"/>
        </AccountHolderDetails>
        <AssociatedIndividual AuthorizedPerson="false" same_mail_address="true" external_id="tester123_rc">
          <Name last="Contact" first="Registered"/>
          <DOB>1963-12-20</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <Residence postal_code="BR2 9FR" country="GB" state="GB-LND" city="LONDON" street_1="24 TESTER LANE"/>
          <Phones>
            <Phone is_verified="false" country="GBR" number="447483849999" type="Mobile"/>
          </Phones>
          <Email email="DAM41832012@aol.com"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="NB400056A" citizenship="GBR"/>
          <EmploymentType>EMPLOYED</EmploymentType>
          <EmploymentDetails>
            <employer>Crown Prosecution Service </employer>
            <occupation>Other</occupation>
            <description>CIVIL</description>
            <employer_business>Community/Social Service</employer_business>
            <employer_address country="GBR"/>
          </EmploymentDetails>
          <Title code="Registered Contact"/>
        </AssociatedIndividual>
        <FinancialInformation is_translated="false" annual_net_income="41600" liquid_net_worth="70000" net_worth="375000">
          <InvestmentExperience>
            <AssetExperience knowledge_level="Extensive" trades_per_year="27" years_trading="11" asset_class="STK"/>
          </InvestmentExperience>
          <SourcesOfWealth>
            <SourceOfWealth is_used_for_funds="true" percentage="10" source_type="SOW-IND-Income"/>
            <SourceOfWealth is_used_for_funds="true" percentage="90" source_type="SOW-IND-Pension"/>
          </SourcesOfWealth>
        </FinancialInformation>
        <RegulatoryInformation is_translated="false">
          <RegulatoryDetail status="false" code="EmployeePubTrade"/>
          <RegulatoryDetail status="false" code="ControlPubTraded"/>
          <RegulatoryDetail status="false" code="AFFILIATION"/>
        </RegulatoryInformation>
      </AccountHolder>
    </Customer>
    <Accounts>
      <Account drip="false" IRA_type="JISA" IRA="true" margin="Cash" multicurrency="true" base_currency="GBP" external_id="tester123">
        <InvestmentObjectives>
          <objective>Growth</objective>
        </InvestmentObjectives>
        <TradingPermissions>
          <TradingPermission exchange_group="US-SEC"/>
          <TradingPermission exchange_group="EURONEXT-FUND"/>
        </TradingPermissions>
      </Account>
    </Accounts>
    <Users>
      <User prefix="skm" external_individual_id="tester123" external_user_id="tester123"/>
    </Users>
  </Application>
</Applications>

JISA | GBR | Hybrid- All Info

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<Applications xmlns="https://www.interactivebrokers.com/schemas/IBCust_import">
  <Application has_translation="false">
    <Customer md_status_nonpro="false" email="DAM41832012@aol.com" prefix="skm" type="INDIVIDUAL" external_id="tester123">
      <AccountHolder>
        <AccountHolderDetails AuthorizedPerson="false" same_mail_address="false" external_id="tester123">
          <Name last="Contact" first="Junior"/>
          <DOB>2022-12-20</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <Residence postal_code="BR2 9FR" country="GB" state="GB-LND" city="LONDON" street_1="24 TESTER LANE"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="NB123456C" citizenship="GBR"/>
          <TaxResidencies>
            <TaxResidency TINType="NonUS_NationalId" TIN="NB123456C" country="GBR"/>
          </TaxResidencies>
          <W8Ben electronic_format="true" tax_form_file="Form5001.pdf" blank_form="true" signature_type="Electronic" cert="true" part_2_9a_country="GBR" tin_or_explanation_reqd_to_create_accounts="true" foreign_tax_id="NB400056C" name="Junior Contact">
            <LocalTaxForms>
              <LocalTaxForm treaty_country="GBR" qualify="true" tax_authority="CANADA_TA"/>
              <LocalTaxForm treaty_country="GBR" qualify="true" tax_authority="AUSTRALIA_TA"/>
            </LocalTaxForms>
          </W8Ben>
          <Title code="Account Holder"/>
        </AccountHolderDetails>
        <AssociatedIndividual AuthorizedPerson="false" same_mail_address="true" external_id="tester123_rc">
          <Name last="Contact" first="Registered"/>
          <DOB>1963-12-20</DOB>
          <CountryOfBirth>GBR</CountryOfBirth>
          <Residence postal_code="BR2 9FR" country="GB" state="GB-LND" city="LONDON" street_1="24 TESTER LANE"/>
          <Phones>
            <Phone is_verified="false" country="GBR" number="447483849999" type="Mobile"/>
          </Phones>
          <Email email="DAM41832012@aol.com"/>
          <Identification hasExpirationDate="false" IssuingCountry="GBR" NationalCard="NB400056A" citizenship="GBR"/>
          <EmploymentType>EMPLOYED</EmploymentType>
          <EmploymentDetails>
            <employer>Crown Prosecution Service </employer>
            <occupation>Other</occupation>
            <description>CIVIL</description>
            <employer_business>Community/Social Service</employer_business>
            <employer_address country="GBR"/>
          </EmploymentDetails>
          <Title code="Registered Contact"/>
        </AssociatedIndividual>
        <FinancialInformation is_translated="false" annual_net_income="41600" liquid_net_worth="70000" net_worth="375000">
          <InvestmentExperience>
            <AssetExperience knowledge_level="Extensive" trades_per_year="27" years_trading="11" asset_class="STK"/>
          </InvestmentExperience>
          <SourcesOfWealth>
            <SourceOfWealth is_used_for_funds="true" percentage="10" source_type="SOW-IND-Income"/>
            <SourceOfWealth is_used_for_funds="true" percentage="90" source_type="SOW-IND-Pension"/>
          </SourcesOfWealth>
        </FinancialInformation>
        <RegulatoryInformation is_translated="false">
          <RegulatoryDetail status="false" code="EmployeePubTrade"/>
          <RegulatoryDetail status="false" code="ControlPubTraded"/>
          <RegulatoryDetail status="false" code="AFFILIATION"/>
        </RegulatoryInformation>
      </AccountHolder>
    </Customer>
    <Accounts>
      <Account drip="false" IRA_type="JISA" IRA="true" margin="Cash" multicurrency="true" base_currency="GBP" external_id="tester123">
        <InvestmentObjectives>
          <objective>Growth</objective>
        </InvestmentObjectives>
        <TradingPermissions>
          <TradingPermission exchange_group="US-SEC"/>
          <TradingPermission exchange_group="EURONEXT-FUND"/>
        </TradingPermissions>
      </Account>
    </Accounts>
    <Users>
      <User prefix="skm" external_individual_id="tester123" external_user_id="tester123"/>
    </Users>
  </Application>
</Applications>

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