The date funds will be credited to your account is dependent on the method of funds transfer you use. See below:
To check the latest status of your deposit you may choose any of the following:
- Click the Deposit Status button above.
- Check the Message Center for a confirmation message that is generated when a deposit is processed.
- Click the Transaction Status & History link at the bottom of the Client Portal home page.
- View a recent Activity Statement for details on when your deposit will be available for trading.
Deposit Methods and Processing Times
Wire
- From immediate to four business days, depending on your bank. Non-U.S. banks are generally at the longer end of the range. Credit to account is immediate upon arrival.
Request for Payment (RFP)
- Immediately after acknowledging the request through your generic bank portal or banking mobile application.
ACH Transfer
- Deposits made by ACH are subject to a standard 4 business days credit hold. Though funds may be released earlier at IBKR's sole discretion at the time of acceptance (depending on tenure, deposit history and account balance), IBKR does not provide any guarantees of the accelerated provision on all ACH deposits.
- ACH funds transferred into portfolio margin accounts will not have the funds credited to the account until the funds are settled. If you seek immediate use of funds in your portfolio margin account, you may wish to consider a wire transfer.
Check (All checks including retirement plan checks)
- USD Checks Only Bank, Bill Payment and Personal checks for US Dollars are accepted. Click here for a list of acceptable/unacceptable check types. Funds are credited to the account after a 6 business day credit hold, with the exception of Bank Checks, which are credited immediately.
- HKD Checks Only personal checks are accepted. Funds are credited within one business day after we receive official confirmation from our bank that the funds have cleared.
Online Bill Payment
- Electronic fund transfers are credited to your account immediately. US checks will be credited to your account after six business days.
Canadian Bill Payment
- Bill payments submitted through your online bank payment system before 18:00 EST are generally received by IBKR within three business days and are immediately credited upon receipt.
Canadian Electronic Funds Transfer (EFT)
- EFT requests received by 09:30 ET, will be credited to your account after five business days under normal circumstances. Though funds may be released earlier at IBKR's sole discretion (depending on tenure, deposit history and account balance), IBKR does not provide any guarantees of the accelerated provision on all EFT deposits.
Direct Rollover, Trustee-to-Trustee, Late Rollover, Employee/Employer SEP Contribution, Recharacterization, Roth IRA Conversion (IRA accounts only)
- Depends on the third-party administrator.
Wise
- Link your Wise Account (Recommended): Link your Wise account at IBKR and initiate deposits from the IBKR platform—funds are available for trading immediately upon receipt.
- Deposits initiated from Wise: Deposits sent directly from your Wise account may contain insufficient transaction details for us to verify that the deposit comes from a Wise account held in your name. Such deposits will be subject to additional Compliance review that may take up to 7 calendar days. To avoid these credit holds, link your Wise account with your Interactive Brokers account. Once linked, you can use your Interactive Brokers account to initiate a transfer of funds from your Wise account that will be available for trading as soon as the funds are received. Note: USD deposits initiated from Wise typically process via ACH and are subject to a 4 business day credit hold.
Please Note
- The hold period does not include any banking holidays or weekends.
Additional Information