Bill Pay

Link Your Brokerage Account
with Your Life

Set Up Recurring Payments and Pay Bills with IBKR Bill Pay

As an IBKR client, you can invest globally in stocks, options, futures, currencies, bonds and funds, access more on 150 global markets from a single unified platform, fund your account in multiple currencies and trade assets denominated in multiple currencies.

Clients with an Interactive Brokers Debit Mastercard® can also configure IBKR Bill Pay, which lets you pay almost any company or individual in the United States. IBKR Bill Pay eliminates the hassle of writing and mailing checks and can be used for one-time and recurring payments.

IBKR Bill Pay uses the secure Automated Clearing House (ACH) network to pay a merchant if the payee is part of our merchant directory. If a payee is not included in our merchant directory, we will issue and mail a paper check on your behalf.

Bill Pay is complimentary to account holders maintaining a daily NAV of at least $200,000. Others pay a fee of $1.00 per check or $0.50 per ACH transaction.

Use Your Brokerage Account for More

Link Your Banking and
Brokerage Accounts

The Automated Clearing House (ACH) network allows you to securely link your banking and brokerage accounts so that you can quickly transfer funds between the accounts. Earn up to USD 4.83% on uninvested, instantly available cash1 in your brokerage account and, whenever needed, transfer funds to your bank account to pay expenses like a mortgage or car payment. You can also link your brokerage account with mobile payment providers such as PayPal and then use the payment providers to pay for subscriptions or other recurring expenses.

Funding Your Brokerage Account Has Never Been Easier

Our IBKR Mobile App includes IBKR Mobile Check Deposit, which makes it quick and easy to deposit a check drawn on a US bank. Simply log in, enter the check amount, scan the front and back of the check and, if needed, indicate which IBKR brokerage account is receiving the deposit.

Direct Deposit lets you automatically deposit paychecks, pension payments and social security payments directly to your IBKR account, where your cash earns up to 4.33% As an IBKR client, you can invest globally in stocks, options, futures, currencies, bonds and funds, access more on 150 global markets from a single unified platform.

Funding Your Brokerage Account Has Never Been Easier

Get more Info on Frequently Asked Questions

View Our Frequently Asked Questions

Calculate Your Approximate Interactive Brokers Spending Limit

For Your Assets Held at IBKR.



Enter values below in whole US dollars to see your approximate spending limit.

Cash value

Long Stock value

Short Stock value

Mutual Funds value

Treasury Securities

Total Portfolio Value


Portfolio Margin accounts require $100,000 minimum balance. For non-Portfolio Margin accounts, choose the Reg-T margin rates button below.
To see your exact limit for your specific portfolio, open a Free Trial account. This will allow you to log into Trader Workstation (TWS), add the positions in your current portfolio, and view your current available margin.

Note: Mutual Funds must be fully-paid for a period of 30 days after purchase in order to be used as margin collateral.

The interest calculator is based on information that we believe to be accurate and correct, but neither Interactive Brokers LLC nor its affiliates warrant its accuracy or adequacy and it should not be relied upon as such. Neither Interactive Brokers nor its affiliates are responsible for any errors or omissions or for results obtained from the use of this calculator.

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  1. Restrictions apply. For additional information on interest rates, click here. Credit interest rate as of November 6, 2023.