Funding Reference

Disclosures

• Credit Period is the number of days before funds are posted to the customer's account and available for trading. Credit is posted after the close-of-business of the relevant day (e.g., 4 business days means credit is posted close-of-business on the 4th day). Please see the knowledgebase article for more details.
• The Withdrawal Hold Period is the number of days before the customer may withdraw the funds deposited. The Withdrawal Hold Period begins on the Entry Date and ends after the close of business of the relevant day. For example, six business days means withdrawal can be submitted on the seventh business day).
• Interest is not paid during the hold period for checks. If this is a concern, we encourage customers to send a wire or ACH where interest is paid from the settlement date of the deposit.
• Please be aware that it is against Interactive Brokers policy to accept physical currency (cash) deposits. Please make all deposits to your IBKR account by wire transfer, check, direct bank transfer (ACH), or via one of the other methods described above. IBKR will charge a special handling fee of 1% of the deposit amount (minimum $50 fee) for any physical currency deposits.
• US T-Bills may be deposited as collateral, but we require a minimum of $1,000,000 in US T-Bills for a transfer. To initiate a US T-Bill transfer, contact Customer Service.
• Interactive Brokers does not accept physical stock certificates.
• Third-Party Deposits - Interactive Brokers strongly discourages and in most cases, rejects third-party deposits, which have historically been viewed by the financial services industry and its regulators as being highly susceptible to acts of fraud and money laundering. For more information, see our FAQ on the subject.
• Interest paid to you varies with market conditions. For information regarding the amount of interest currently paid on credit balances see www.interactivebrokers.com/interest.
• Interactive Brokers is not responsible for any fees charged by your or any other financial institution involved during the process of wiring funds to your IBKR account. Before wiring funds to your IBKR account, ask your financial institution if they or their correspondent bank charge for that service.
• Due to exchange control rules put into place for South African residents by the South African Reserve Bank (SARB), IBKR is allowed to receive deposits in South African Rands (ZAR) from non-resident accounts and disburse ZAR to non-resident accounts. However, IBKR is not allowed to receive deposits from resident accounts or disburse ZAR to resident accounts. For more information about these rules, see the following IBKR Knowledge Base article:
  http://ibkb.interactivebrokers.com/node/2888.

1. In the case of wire deposits, please note that routing instructions vary by currency type and the particular instructions which you will need to supply to your bank are made available upon creation of a deposit notification through Client Portal. Deposits improperly routed by clients to a bank account not designated to accommodate deposits in the source currency are subject to rejection or automatic conversion into the local currency based on the policies of that bank. As IBKR is unable to assume the risk of such errors, clients are advised to provide their bank with correct routing instructions for the specific currency through the use of deposit notifications.
2. In the case of deposits made by check, IBKR will not accept any checks which require endorsement to IBKR and will only accept check deposits having IBKR as the direct payee where the party who writes the check either:
• Has the same last name as the individual account holder (e.g.; spouse or, child); or
• In the case of organization/institution accounts, maintains an affiliation with the account (e.g.; officer, trader or owners).