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. In the case of wire deposits, please note that routing instructions vary by currency type and the instructions which you will need to supply to your bank are made available upon creation of a deposit notification through Client Portal.Before wiring funds to your IBKR account, ask your financial institution if they or their correspondent bank charge for that service. 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.For information regarding the amount of interest currently paid on credit balances see

Interest paid to you varies with market conditions.

For more information, see our FAQ on the subject.

Third-Party Deposits - Interactive Brokers strongly discourages and, generally, 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.

Interactive Brokers does not accept physical stock certificates.

To initiate a US T-Bill transfer, contact Customer Service.

US T-Bills may be deposited as collateral, but we require a minimum of $1,000,000 in US T-Bills for a transfer.

IBKR will charge a special handling fee of 1% of the deposit amount (minimum $50 fee) for any physical currency 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.

Please be aware that it is against Interactive Brokers policy to accept physical currency (cash) deposits.

If this is a concern, we encourage customers to send an electronic funds transfer (wire or low value payment, such as ACH, SEPA, BACS etc) where interest is paid from the settlement date of the deposit.

Where applicable, interest is not paid during the hold period for checks.

For example, six business days means withdrawal can be submitted on the seventh business day). The Withdrawal Hold Period begins on the Entry Date and ends after the close of business of the relevant day.

The Withdrawal Hold Period is the number of days before the customer may withdraw the funds deposited.

Please see the knowledgebase article for more details.

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). Credit Period is the number of days before funds are posted to the customer's account and available for trading.

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