> This page is for Web API. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://ibkrcampus.com/docs/llms.txt. # 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 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)](/docs/web-api/account-management/schema/associated-individual)**\* | | | | | | | | 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](https://www.interactivebrokers.com/campus/ibkr-api-page/web-api-account-management/#customer-28)** | | | | | | | | 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](https://www.interactivebrokers.com/campus/ibkr-api-page/web-api-account-management/#customer-28)** | | | | | | | | 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", "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" } ], "translation": false } } ```