Stablecoin withdrawals are not currently available. Please use one of our other supported withdrawal methods.
Overview
Deposits
Easily fund your Interactive Brokers (IBKR) account using our straightforward deposit options. We have included everything you need to know to get your funds working for you quickly and efficiently.
Before initiating your transfer, ensure your IBKR account is active and gather the necessary information:
- Your IBKR account number.
- Deposit amount.
- Sending institution details.
The specific banking instructions will be provided when you create a deposit notification through the Client Portal – an essential step that ensures your funds are properly matched to your account.
Quick Start: FUND YOUR ACCOUNT
- Log in to the Client Portal
- Select Transfer & Pay and then Transfer Funds menu options
- Select Deposit Funds followed by the desired Deposit Method
- Click Get Instructions to get started
Important USD Deposit Information
- IBKR does not have influence on the speed of transfer.
- You may consult with the sending institution regarding their processing times and cut off times. Payments that are subject to additional review may take longer to credit.
- Please consult with the sending institution about the costs to process your payment as this may vary by financial institution. We do not charge fees for the deposit of funds.
Deposit Transfer Methods
Transfer Methods
IBKR offers multiple methods for depositing USD into your account. Each method provides different benefits in terms of processing speed, convenience, and associated fees. Available transfer options may vary depending on which IBKR entity services your account, as certain deposit methods are entity-specific.
- Link a Bank Account (ACH or RFP)
- Bank Wire
- Check
- Direct ACH Transfer
- Mobile Check
- Online Billpay
- Transfer from Wise Balance
- Fund with Stablecoin (USDC to USD)
- Deposit using Debit Card
Link a Bank Account
- Link a new bank account for seamless deposits initiated at IBKR. Transfer time and deposit limits are determined by your bank.
| Transfer type(s): | Automated Clearing House (ACH) or Request for Payment (RFP) |
| Availability: | Available to US bank account holders |
| Required Information: | Bank username and password or routing and account number |
| Speed: | ACH: 4 business days for the initial deposit. Subsequent deposits may be available immediately. RFP: Immediate to a few hours. Available 24/7 |
| Limits: | ACH: Limited to $100K per seven days. RFP: Transfer limits may be set by your bank |
| Fee(s): | Free |
| Trading Availability: | ACH: Initial deposit: Once connected, the first deposit is available to trade 4 business days after initiating the deposit. Subsequent deposits: May be available immediately (depending on tenure, deposit history and account balance). Otherwise, 4 business days to trade RFP: Funds are immediately available for trading after confirming in your bank portal or mobile app |
| Withdrawal Hold(s): | ACH: 5 business days. 44 business days when withdrawing to an account other than the originating bank account RFP: No credit hold. 10 business days when withdrawing to an account other than the originating bank account |
Direct ACH Transfer from your Bank
- One-time setup at your bank to link to your IBKR account. After linking accounts, log in at your bank to initiate transfers.
| Availability | Available to US bank account holders. |
| Required Information: | IBKR routing number and a virtual account number (VAN) |
| Speed: | 1 business day or less after initial setup. |
| Limits: | Generally, no limits; however, transfer limits may be set by your bank |
| Fee(s): | Free |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR |
| Withdrawal Hold(s): | 3 business days |
Bank Wire
- Set up a template at your bank to transfer funds from your bank to your IBKR account.
| Availability | All IBKR entities except IB India |
| Required Information: | Sending bank's details (sending institution name and account number), and IBKR's provided bank account details |
| Speed: | 1 to 4 business days |
| Limits: | No limits on amounts |
| Fee(s): | Determined by your bank; IBKR does not charge a fee |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR |
| Withdrawal Hold(s): | 3 business days |
Online Bill Pay
- One-time setup of IBKR as a payee in your bank's bill payment application. After initial setup, use your bank's bill payment application to move funds from your bank to IBKR.
| Availability | All entities except IB Ireland, IB Singapore, IB India and IB Japan |
| Required Information: | Sending bank's details (sending institution name and account number), and IBKR's provided bank account details |
| Speed: | 1 to 6 business days |
| Limits: | Transfer limits may be set by your bank |
| Fee(s): | Fees are determined by your bank, but generally free |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR |
| Withdrawal Hold(s): | 3 business days for electronic; 6 business days for paper. |
Mail a Check
- Send a paper check to IBKR.
| Availability | Available only to US Bank account holders |
| Required Information: | Follow the instructions on the printable deposit form that includes specific instructions and mailing addresses |
| Speed: | Mailing processing times will vary by location |
| Limits: | Transfer limits may be set by your bank |
| Fee(s): | Fees are determined by your bank, but generally free |
| Trading Availability: | You can begin trading the funds you deposit via check 7 business days after the check arrives at IBKR. |
| Withdrawal Hold(s): | 7 business days |
Mobile Check
- Scan a check with IBKR Mobile Check Deposit
| Availability | Available to US bank account holders |
| Required Information: | IBKR Mobile with IB Key two-factor authentication is required |
| Speed: | Available 7 business days after scanning your check |
| Limits: | USD 10k per day and USD 50k per 30 days |
| Fee(s): | Fees are determined by your bank, but generally free |
| Trading Availability: | Trade seven business days after depositing your check |
| Withdrawal Hold(s): | 60 business day withdrawal hold |
Transfer from Wise Balance
- Link your Wise profile, then initiate a fund transfer from your Wise multi-currency account to your IBKR account. Wise converts your funds into an IBKR supported currency and transfers the funds to your IBKR account.
| Availability | All entities except IB Canada, IB India and IB Japan |
| Required Information: | Your Wise username and password to link to your IBKR account |
| Speed: | Wise converts your funds into a supported currency for this method and transfers the funds to your account. Provide transaction details to review currency-specific arrival times. |
| Limits: | Generally no limits, however transfer limits may be set by Wise |
| Fee(s): | Wise charges for currency conversion. Provide transaction details to review currency-specific fees |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR |
| Withdrawal Hold(s): | 3 business days |
Fund with Stablecoin
- Select from available coins from supported crypto exchanges and receive USD in your IBKR account.
| Availability | IBKR LLC |
| Required Information: | A cryptocurrency wallet containing one of our supported stablecoins on a compatible blockchain network. Send funds using the wallet address and QR code provided by zerohash |
| Speed: | 24/7/365 Availability: Deposit anytime, including weekends and holidays |
| Limits: | Minimum Transaction Amount: $10 Max transaction amount and daily limit: $25k Monthly Maximum: $250k |
| Fee(s): | Our crypto transfer provider, zerohash, charges 0.3% of the stablecoin deposit amount (min $1) |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR |
| Withdrawal Hold(s): | 30 business days |
| More Information | How to Deposit via Stablecoin |
Deposit using Debit Card
- Link your debit card and initiate transfers at IBKR.
| Availability | IBKR LLC only |
| Required Information: | A USD bank account, your debit card number, expiry date, security code, and cardholder name. |
| Speed: | Available instantly |
| Limits: | USD 1,000 for the first deposit. Deposits are subject to a USD 10,000 annual limit. |
| Fee(s): | Determined by your bank; IBKR does not charge a fee. |
| Trading Availability: | Funds are immediately available for trading after arriving at IBKR. |
| Withdrawal Hold(s): | 120 days. |
Withdrawals
Withdrawals
- Access your funds with our streamlined withdrawal process. This section shows you how to transfer money from your IBKR account back to your bank. We have made retrieving your funds straightforward so you can access your money when you need it.
Quick Start: WITHDRAW FROM YOUR ACCOUNT
- Log in to the Client Portal
- Select Transfer & Pay and then Transfer Funds menu options
- Select Withdraw Funds followed by the desired Withdrawal Method
- Click Use the Method to get started
Important USD Withdrawal Information
- IBKR allows 2 free withdrawals per month. Subsequent withdrawals, regardless of method, are charged a fee. The fee charged depends upon the denomination of the currency withdrawn and the withdrawal method. Please see the IBKR website for more details.
Transfer Methods
IBKR provides withdrawal options depending on which IBKR entity services your account, as certain withdrawal methods may be entity-specific. Available method(s) differ in processing time, limits and associated fees. Review the details below to understand your options.
- Bank Wire
- Connect Your Bank via ACH
- Direct Debit
- Check
- Transfer to Wise Balance
Bank Wire
- One-time setup of a withdrawal destination at IBKR to tell us where to send the funds via the SWIFT Network.
| Availability | All IBKR entities except IB India |
| Speed: | Receive the funds same day or next day |
| Limits: | Daily limits apply. Based on secure login device |
| Fee(s): | IBKR charges a USD 10.00 fee for subsequent withdrawals beyond the complimentary allowance. Your bank may also charge fees for incoming funds |
Connect Your Bank via ACH
- One-time setup of a withdrawal destination at IBKR to tell us where to send the withdrawal electronically.
| Availability | US bank account holders only |
| Speed: | Receive the funds same day or next day |
| Limits: | Daily limits apply. Based on secure login device |
| Fee(s): | IBKR charges a USD 1.00 fee for subsequent withdrawals beyond the complimentary allowance. Your bank may also charge fees for incoming funds |
Direct Debit
- One-time setup at your bank to link your IBKR virtual account. After linking accounts, log in to your bank to initiate transfers.
| Availability | US bank account holders only |
| Speed: | Receive the funds in 1-2 days |
| Limits: | Direct Debits using ACH that exceed USD 1,000.00 require authorization via IB Key. Direct Debits that are less than USD 1,000.00 will be checked against the cumulative amount of all prior transactions over a 60 calendar-day period. |
| Fee(s): | No fees |
Check
- Tell us how much to withdraw and we will mail you a check.
| Availability | US bank account holders only |
| Speed: | 1 business day for processing. 7-10 business days mailing time |
| Limits: | Daily limits apply. Based on secure login device |
| Fee(s): | IBKR charges a USD 4.00 fee for subsequent withdrawals beyond the complimentary allowance. Your bank may also charge fees for incoming funds |
Transfer to Wise Balance
- One-time setup of a withdrawal destination at IBKR to tell us where to send the withdrawal electronically to your Wise account.
| Availability | All entities except IB Canada, IB India and IB Japan |
| Speed: | Receive the funds next day. |
| Limits: | Daily limits apply. Based on secure login device. |
| Fee(s): | IBKR charges a USD 1.00 fee for subsequent withdrawals beyond the complimentary allowance. Your bank may also charge fees for incoming funds |
Other Considerations
Unacceptable Deposit Methods
The following deposit methods are not accepted for USD:
- Physical cash (coin or currency) – IBKR does not support physical cash deposits or over-the-counter transactions at bank branches.
- Domestic drafts.
- Unacceptable checks:
- Starter Checks.
- Checks from minors.
- Stale-dated checks over three months old.
- Post-dated checks.
- Third-party checks defined as checks with a payee other than IBKR (including checks made payable to IBKR by special endorsement) or checks for a deposit to an IBKR account, where the check is from someone other than a named account holder.
- Credit card checks.
- Money orders.
- Travelers checks.
- Foreign checks or other instruments.
- Home Equity Line of Credit Checks.
- Checks referring to more than one IBKR account (IBKR does not split the proceeds from one check into multiple accounts).
- Checks that appear altered in any way.
- Wire transfers referring to more than one IBKR account (IBKR does not split the proceeds from one wire into multiple accounts).
Third-Party Deposits and Withdrawals
- Third-party deposits are funds that originate from an account not owned by the receiving IBKR account holder. IBKR generally discourages and reserves the right to reject third-party deposits due to industry-wide fraud and money laundering concerns.
- IBKR considers requests to withdraw funds to a bank account not held in your name, but approval is not guaranteed and can require additional screening. For faster processing it is recommended to withdraw funds to your own bank account. Note that this service is not available for IBA, IBIN, IBSJ, and IBSG customers.
Digital Wallet Providers
- IBKR does not support digital banks when the bank is based on a digital wallet. IBKR does not recommend sending funds from a payment processor as funds are often sent without the payment details or sufficient information. This can lead to significant delays in allocating the deposit to your brokerage account or in some cases, to the rejection of the payment. Please see Deposit instructions for payment apps for more information.
Other Restrictions
- For anti-money laundering compliance, residents of high-risk countries face restrictions on transfers between countries and can only withdraw to accounts they previously deposited from. We may limit your transfer destinations regardless of location, and changing your base currency requires a 5-day waiting period before withdrawals. Restricted transactions will be automatically blocked. Please see Funds transfer restrictions for more information.
Top Deposits and Withdrawals FAQs