Individual Savings Account For Uk Residents | Interactive Brokers

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 JSON application submitted to IBKR using the /accounts 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 /accounts 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

Object	FD	FA
Account Holder(s)*
email*	Y	Y
name* first, last	Y	Y
dateOfBirth	Y	Y
countryOfBirth	Y	Y
numDependents	Y	Y
maritalStatus	Y	Y
identification ID Document, citizenship	Y	Y
mailingAddress country*, state, city, street1, postalCode	Y	Y
residenceAddress country*, state, city, street1, postalCode	Y	Y
phones number, type- Mobile Required	Y	Y
employmentType	Y	Y
employmentDetails If EMPLOYED or SELFEMPLOYED: employer, occupation, employerBusiness, employerAddress	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 netWorth, liquidNetWorth, annualNetIncome	Y	Y
sourcesOfWealth	Y	Y
investmentExperience yearsTrading, tradesPerYear, knowledgeLevel	Y	Y
regulatoryInformation account holder or immediate family member controller, employee of a publicly traded company or a registered rep	Y	Y
accounts* baseCurrency, margin	Y	Y
tradingPermissions*	Y	Y
investmentObjectives	Y	Y
advisorWrapFees*	N	Y

Sample Applications

ISA | GBR | Full Integration

{
  "application": {
    "customer": {
      "accountHolder": {
        "accountHolderDetails": [
          {
            "name": {
              "first": "Jane",
              "last": "Doe"
            },
            "dateOfBirth": "1995-04-28",
            "countryOfBirth": "GBR",
            "maritalStatus": "S",
            "numDependents": 0,
            "residenceAddress": {
              "street1": "1 Tester Lane",
              "city": "London",
              "state": "GB-ENG",
              "country": "GBR",
              "postalCode": "SW9 9NY"
            },
            "phones": [
              {
                "type": "Mobile",
                "number": "+4407584089999",
                "country": "GBR"
              }
            ],
            "email": "janedoe@tester.com",
            "identification": {
              "citizenship": "GBR",
              "nationalCard": "PA123456D",
              "issuingCountry": "GBR",
              "expire": false
            },
            "employmentType": "EMPLOYED",
            "employmentDetails": {
              "employer": "CHIPOTLE",
              "occupation": "EXECUTIVE",
              "employerBusiness": "FOOD AND BEVERAGE",
              "employerAddress": {
                "street1": "1 TESTER Square",
                "city": "London",
                "state": "GB-ENG",
                "country": "GBR",
                "postalCode": "W1G 0PW"
              }
            },
            "taxResidencies": [
              {
                "country": "GBR",
                "tin": "PA123456D",
                "tinType": "NonUS_NationalId"
              }
            ],
            "w8Ben": {
              "name": "Jane Doe",
              "foreignTaxId": "PA141807D",
              "tinOrExplanationRequired": true,
              "part29ACountry": "GBR",
              "cert": true,
              "blankForm": true,
              "taxFormFile": "Form5001.pdf",
              "electronicFormat": true
            },
            "externalId": "testapp1234",
            "sameMailAddress": true,
            "translated": false
          }
        ],
        "financialInformation": [
          {
            "investmentExperience": [
              {
                "assetClass": "STK",
                "yearsTrading": 5,
                "tradesPerYear": 4,
                "knowledgeLevel": "Extensive"
              },
              {
                "assetClass": "OPT",
                "yearsTrading": 5,
                "tradesPerYear": 4,
                "knowledgeLevel": "Extensive"
              }
            ],
            "sourcesOfWealth": [
              {
                "sourceType": "SOW-IND-Income",
                "percentage": 100,
                "usedForFunds": true
              }
            ],
            "netWorth": 500000,
            "liquidNetWorth": 500000,
            "annualNetIncome": 250000,
            "translated": false
          }
        ],
        "regulatoryInformation": [
          {
            "regulatoryDetail": [
              {
                "code": "ControlPubTraded",
                "status": false
              },
              {
                "code": "EmployeePubTrade",
                "status": false
              },
              {
                "code": "AFFILIATION",
                "status": false
              }
            ],
            "translated": false
          }
        ]
      },
      "externalId": "testapp1234",
      "type": "INDIVIDUAL",
      "prefix": "nvest",
      "email": "janedoe@tester.com",
      "mdStatusNonPro": true
    },
    "accounts": [
      {
        "investmentObjectives": [
          "Speculation"
        ],
        "tradingPermissions": [
          {
            "country": "ALL",
            "product": "STOCKS"
          }
        ],
        "advisorWrapFees": {
          "strategy": "NO_FEE"
        },
        "externalId": "testapp1234",
        "baseCurrency": "GBP",
        "multiCurrency": false,
        "margin": "Cash",
        "ira": true,
        "iraType": "ISA"
      }
    ],
    "users": [
      {
        "externalUserId": "testapp1234",
        "externalIndividualId": "testapp1234",
        "prefix": "nvest"
      }
    ],
    "documents": [
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form5001.pdf",
          "fileLength": 67700,
          "sha1Checksum": "D8AA699678D12DE6AC468A864D4FAE7999AA904B"
        },
        "formNumber": 5001,
        "validAddress": false,
        "execLoginTimestamp": 1731406668576,
        "execTimestamp": 1731406668576
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form2109.pdf",
          "fileLength": 15697,
          "sha1Checksum": "BF01D3C5B2B7BC6CA90A4051636051A828FD735F"
        },
        "formNumber": 2109,
        "validAddress": false,
        "execLoginTimestamp": 20240117041717,
        "execTimestamp": 20240117041717
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form3024.pdf",
          "fileLength": 67600,
          "sha1Checksum": "274FA053D7E4080F0AD429787B9F94ABDF5498D7"
        },
        "formNumber": 3024,
        "validAddress": false,
        "execLoginTimestamp": 20150716015642,
        "execTimestamp": 20150716152843
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form4319.pdf",
          "fileLength": 472704,
          "sha1Checksum": "485e44e6bc1e969ee1888fbf12bc957d7d41a182"
        },
        "formNumber": 4319,
        "validAddress": false,
        "execLoginTimestamp": 1731406668576,
        "execTimestamp": 1731406668576
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form4376.pdf",
          "fileLength": 118429,
          "sha1Checksum": "67D8506963789C3A2DA7B68F134D8F3F2515AFBC"
        },
        "formNumber": 4376,
        "validAddress": false,
        "execLoginTimestamp": 1731406668576,
        "execTimestamp": 1731406668576
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form4547.pdf",
          "fileLength": 409788,
          "sha1Checksum": "C7A601FD4C746EFC8767FCE886B03782A5C89A1C"
        },
        "formNumber": 4547,
        "validAddress": false,
        "execLoginTimestamp": 1731406668576,
        "execTimestamp": 1731406668576
      },
      {
        "signedBy": [
          "Jane Doe"
        ],
        "attachedFile": {
          "fileName": "Form4548.pdf",
          "fileLength": 416100,
          "sha1Checksum": "5FFF4BFEDD2F75A63EF493BB9F6ADEA63EBAF2A6"
        },
        "formNumber": 4548,
        "validAddress": false,
        "execLoginTimestamp": 1731406668576,
        "execTimestamp": 1731406668576
      }
    ],
    "translation": false
  }
}

ISA | GBR | Hybrid- All Info

{
  "application": {
    "customer": {
      "accountHolder": {
        "accountHolderDetails": [
          {
            "name": {
              "first": "Jane",
              "last": "Doe"
            },
            "dateOfBirth": "1995-04-28",
            "countryOfBirth": "GBR",
            "maritalStatus": "S",
            "numDependents": 0,
            "residenceAddress": {
              "street1": "1 Tester Lane",
              "city": "London",
              "state": "GB-ENG",
              "country": "GBR",
              "postalCode": "SW9 9NY"
            },
            "phones": [
              {
                "type": "Mobile",
                "number": "+4407584089999",
                "country": "GBR"
              }
            ],
            "email": "janedoe@tester.com",
            "identification": {
              "citizenship": "GBR",
              "nationalCard": "PA123456D",
              "issuingCountry": "GBR",
              "expire": false
            },
            "employmentType": "EMPLOYED",
            "employmentDetails": {
              "employer": "CHIPOTLE",
              "occupation": "EXECUTIVE",
              "employerBusiness": "FOOD AND BEVERAGE",
              "employerAddress": {
                "street1": "1 TESTER Square",
                "city": "London",
                "state": "GB-ENG",
                "country": "GBR",
                "postalCode": "W1G 0PW"
              }
            },
            "taxResidencies": [
              {
                "country": "GBR",
                "tin": "PA123456D",
                "tinType": "NonUS_NationalId"
              }
            ],
            "w8Ben": {
              "name": "Jane Doe",
              "foreignTaxId": "PA141807D",
              "tinOrExplanationRequired": true,
              "part29ACountry": "GBR",
              "cert": true,
              "blankForm": true,
              "taxFormFile": "Form5001.pdf",
              "electronicFormat": true
            },
            "externalId": "testapp1234",
            "sameMailAddress": true,
            "translated": false
          }
        ],
        "financialInformation": [
          {
            "investmentExperience": [
              {
                "assetClass": "STK",
                "yearsTrading": 5,
                "tradesPerYear": 4,
                "knowledgeLevel": "Extensive"
              },
              {
                "assetClass": "OPT",
                "yearsTrading": 5,
                "tradesPerYear": 4,
                "knowledgeLevel": "Extensive"
              }
            ],
            "sourcesOfWealth": [
              {
                "sourceType": "SOW-IND-Income",
                "percentage": 100,
                "usedForFunds": true
              }
            ],
            "netWorth": 500000,
            "liquidNetWorth": 500000,
            "annualNetIncome": 250000,
            "translated": false
          }
        ],
        "regulatoryInformation": [
          {
            "regulatoryDetail": [
              {
                "code": "ControlPubTraded",
                "status": false
              },
              {
                "code": "EmployeePubTrade",
                "status": false
              },
              {
                "code": "AFFILIATION",
                "status": false
              }
            ],
            "translated": false
          }
        ]
      },
      "externalId": "testapp1234",
      "type": "INDIVIDUAL",
      "prefix": "nvest",
      "email": "janedoe@tester.com",
      "mdStatusNonPro": true
    },
    "accounts": [
      {
        "investmentObjectives": [
          "Speculation"
        ],
        "tradingPermissions": [
          {
            "country": "ALL",
            "product": "STOCKS"
          }
        ],
        "advisorWrapFees": {
          "strategy": "NO_FEE"
        },
        "externalId": "testapp1234",
        "baseCurrency": "GBP",
        "multiCurrency": false,
        "margin": "Cash",
        "ira": true,
        "iraType": "ISA"
      }
    ],
    "users": [
      {
        "externalUserId": "testapp1234",
        "externalIndividualId": "testapp1234",
        "prefix": "nvest"
      }
    ],
    "translation": false
  }
}

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
residenceAddress country*, state, city, street1, postalCode	Y	Y
mailingAddress country*, state, city, street1, postalCode	Y	Y
dateOfBirth	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
dateOfBirth	Y	Y
countryOfBirth	Y	Y
mailingAddress country*, state, city, street1, postalCode	Y	Y
residenceAddress country*, state, city, street1, postalCode	Y	Y
identification ID Document, citizenship
phones 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 netWorth, liquidNetWorth, annualNetIncome	Y	Y
investmentExperience yearsTrading, tradesPerYear, knowledgeLevel	Y	Y
regulatoryInformation account holder or immediate family member controller, employee of a publicly traded company or a registered rep	Y	Y
accounts* baseCurrency, margin	Y	Y
tradingPermissions*	Y	Y
investmentObjectives	Y	Y
advisorWrapFees*	Y	Y
title code	Y	Y

Sample Applications

JISA | GBR | Full Integration

{
  "application": {
    "customer": {
      "accountHolder": {
        "accountHolderDetails": [
          {
            "name": {
              "first": "Junior",
              "last": "Contact"
            },
            "dateOfBirth": "2022-12-20",
            "countryOfBirth": "GBR",
            "residenceAddress": {
              "street1": "24 TESTER LANE",
              "city": "LONDON",
              "state": "GB-LND",
              "country": "GB",
              "postalCode": "BR2 9FR"
            },
            "identification": {
              "citizenship": "GBR",
              "nationalCard": "NB123456C",
              "issuingCountry": "GBR",
              "expire": false
            },
            "taxResidencies": [
              {
                "country": "GBR",
                "tin": "NB123456C",
                "tinType": "NonUS_NationalId"
              }
            ],
            "w8Ben": {
              "localTaxForms": [
                {
                  "taxAuthority": "CANADA_TA",
                  "qualified": true,
                  "treatyCountry": "GBR"
                },
                {
                  "taxAuthority": "AUSTRALIA_TA",
                  "qualified": true,
                  "treatyCountry": "GBR"
                }
              ],
              "name": "Junior Contact",
              "foreignTaxId": "NB400056C",
              "tinOrExplanationRequired": true,
              "part29ACountry": "GBR",
              "cert": true,
              "signatureType": "Electronic",
              "blankForm": true,
              "taxFormFile": "Form5001.pdf",
              "electronicFormat": true
            },
            "externalId": "tester123",
            "sameMailAddress": false,
            "titles": [
              {
                "code": "Account Holder"
              }
            ],
            "authorizedPerson": false
          }
        ],
        "associatedIndividual": {
          "name": {
            "first": "Registered",
            "last": "Contact"
          },
          "dateOfBirth": "1963-12-20",
          "countryOfBirth": "GBR",
          "residenceAddress": {
            "street1": "24 TESTER LANE",
            "city": "LONDON",
            "state": "GB-LND",
            "country": "GB",
            "postalCode": "BR2 9FR"
          },
          "phones": [
            {
              "type": "Mobile",
              "number": "447483849999",
              "country": "GBR",
              "verified": false
            }
          ],
          "email": "DAM41832012@aol.com",
          "identification": {
            "citizenship": "GBR",
            "nationalCard": "NB400056A",
            "issuingCountry": "GBR",
            "expire": false
          },
          "employmentType": "EMPLOYED",
          "employmentDetails": {
            "employer": "Crown Prosecution Service ",
            "occupation": "Other",
            "description": "CIVIL",
            "employerBusiness": "Community/Social Service",
            "employerAddress": {
              "country": "GBR"
            }
          },
          "externalId": "tester123_rc",
          "sameMailAddress": true,
          "titles": [
            {
              "code": "Registered Contact"
            }
          ],
          "authorizedPerson": false
        },
        "financialInformation": [
          {
            "investmentExperience": [
              {
                "assetClass": "STK",
                "yearsTrading": 11,
                "tradesPerYear": 27,
                "knowledgeLevel": "Extensive"
              }
            ],
            "sourcesOfWealth": [
              {
                "sourceType": "SOW-IND-Income",
                "percentage": 10,
                "usedForFunds": true
              },
              {
                "sourceType": "SOW-IND-Pension",
                "percentage": 90,
                "usedForFunds": true
              }
            ],
            "netWorth": 375000,
            "liquidNetWorth": 70000,
            "annualNetIncome": 41600,
            "translated": false
          }
        ],
        "regulatoryInformation": [
          {
            "regulatoryDetail": [
              {
                "code": "EmployeePubTrade",
                "status": false
              },
              {
                "code": "ControlPubTraded",
                "status": false
              },
              {
                "code": "AFFILIATION",
                "status": false
              }
            ],
            "translated": false
          }
        ]
      },
      "externalId": "tester123",
      "type": "INDIVIDUAL",
      "prefix": "skm",
      "email": "DAM41832012@aol.com",
      "mdStatusNonPro": false
    },
    "accounts": [
      {
        "investmentObjectives": [
          "Growth"
        ],
        "tradingPermissions": [
          {
            "exchangeGroup": "US-SEC"
          },
          {
            "exchangeGroup": "EURONEXT-FUND"
          }
        ],
        "externalId": "tester123",
        "baseCurrency": "GBP",
        "multiCurrency": true,
        "margin": "Cash",
        "ira": true,
        "iraType": "JISA",
        "drip": false
      }
    ],
    "users": [
      {
        "externalUserId": "tester123",
        "externalIndividualId": "tester123",
        "prefix": "skm"
      }
    ],
    "documents": [
      {
        "signedBy": [
          "Registered Contact"
        ],
        "attachedFile": {
          "fileName": "Form5001.pdf",
          "fileLength": 67700,
          "sha1Checksum": "d8aa699678d12de6ac468a864d4fae7999aa904b"
        },
        "formNumber": 5001,
        "validAddress": false,
        "execLoginTimestamp": 20250511201657
      },
      {
        "signedBy": [
          "Registered Contact"
        ],
        "attachedFile": {
          "fileName": "Form3083.pdf",
          "fileLength": 557790,
          "sha1Checksum": "9C79DB3DF0925D126541817F2BBC7418BBD3EC4E"
        },
        "formNumber": 3083,
        "validAddress": false,
        "execLoginTimestamp": 20250511201657
      },
      {
        "signedBy": [
          "Registered Contact"
        ],
        "attachedFile": {
          "fileName": "Form4070.pdf",
          "fileLength": 27117,
          "sha1Checksum": "3BF982D0D81F0F6B1BBD37E9789EE6585F46F8DC"
        },
        "formNumber": 4070,
        "validAddress": false,
        "execLoginTimestamp": 20250511201657
      },
      {
        "signedBy": [
          "Registered Contact"
        ],
        "attachedFile": {
          "fileName": "Form9130.pdf",
          "fileLength": 252630,
          "sha1Checksum": "3F6E0751854D0BB7717AB4E954D97EDF31FEE6EA"
        },
        "formNumber": 9130,
        "validAddress": false,
        "execLoginTimestamp": 20250511201657
      }
    ],
    "translation": false
  }
}

JISA | GBR | Hybrid- All Info

{
  "application": {
    "customer": {
      "accountHolder": {
        "accountHolderDetails": [
          {
            "name": {
              "first": "Junior",
              "last": "Contact"
            },
            "dateOfBirth": "2022-12-20",
            "countryOfBirth": "GBR",
            "residenceAddress": {
              "street1": "24 TESTER LANE",
              "city": "LONDON",
              "state": "GB-LND",
              "country": "GB",
              "postalCode": "BR2 9FR"
            },
            "identification": {
              "citizenship": "GBR",
              "nationalCard": "NB123456C",
              "issuingCountry": "GBR",
              "expire": false
            },
            "taxResidencies": [
              {
                "country": "GBR",
                "tin": "NB123456C",
                "tinType": "NonUS_NationalId"
              }
            ],
            "w8Ben": {
              "localTaxForms": [
                {
                  "taxAuthority": "CANADA_TA",
                  "qualified": true,
                  "treatyCountry": "GBR"
                },
                {
                  "taxAuthority": "AUSTRALIA_TA",
                  "qualified": true,
                  "treatyCountry": "GBR"
                }
              ],
              "name": "Junior Contact",
              "foreignTaxId": "NB400056C",
              "tinOrExplanationRequired": true,
              "part29ACountry": "GBR",
              "cert": true,
              "signatureType": "Electronic",
              "blankForm": true,
              "taxFormFile": "Form5001.pdf",
              "electronicFormat": true
            },
            "externalId": "tester123",
            "sameMailAddress": false,
            "titles": [
              {
                "code": "Account Holder"
              }
            ],
            "authorizedPerson": false
          }
        ],
        "associatedIndividual": {
          "name": {
            "first": "Registered",
            "last": "Contact"
          },
          "dateOfBirth": "1963-12-20",
          "countryOfBirth": "GBR",
          "residenceAddress": {
            "street1": "24 TESTER LANE",
            "city": "LONDON",
            "state": "GB-LND",
            "country": "GB",
            "postalCode": "BR2 9FR"
          },
          "phones": [
            {
              "type": "Mobile",
              "number": "447483849999",
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}