Deposit Funds

In the Transfer Funds page you can select how you would like to make your deposit. Clients can select saved deposit information from the top of the page or select a new deposit method.

To navigate to this page, please take the steps outlined below.

Click Transfer & Pay > Transfer Funds > Make a Deposit
- Alternatively, click Menu in the top left corner > Transfer & Pay > Transfer Funds > Deposit Funds

Deposit Notifications

A deposit notification does not actually move funds; you must make arrangements with your bank or broker to deposit the funds.

Our Secure Login System provides two-factor authentication through the use of a physical security device or IBKR Mobile Authentication (IB Key) app. Accounts that are not enrolled in our Secure Login System can create deposit notifications only. Deposits that move money into your account are available only to accounts that are enrolled in the Secure Login System.

We support the following types of deposit notifications:

Wire - Same day electronic movement of funds through the fed wire system. You must contact your bank to initiate a wire and include your account name and number on the wire. Specific wire instructions and addresses will be displayed during the deposit process. Wire deposits arrive immediately 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.
ACH - Your transfer request will automatically be processed through a message sent to your bank by IB. Prior to using this method, you will need to create a standing instruction through Transfer & Pay which authorizes IB and your bank to electronically transfer funds between the two accounts. You will then be prompted to verify a series of test transactions issued to your bank account several days later to establish the link. Once established, this transfer method can be used for future deposit and withdrawal requests.
Check - Paper and mail based deposit of funds. Write your account number on the check. Specific check instructions, including the printing of the deposit form, and addresses will be displayed during the deposit notification process. The address for sending your check will be printed on the deposit form. Please note that Canadian customers cannot fund their accounts with checks or bank drafts. The time it takes for a check to arrive depends on the speed of the mail. Under normal circumstances we deposit funds to your account on the same business day of check arrival. Funds are credited to the account after a seven business day credit hold, with the exception of Bank Checks which are credited immediately. Only Bank, Bill Payment and Personal checks for US Dollars are accepted.
Bill Pay (online bill payment check) - A check or electronic fund transfer that originates from an online payment service provided by your Infinancial institution. For US checks, you add us to your personal payee list and your bank mails a check for you. For electronic fund transfers, you select us from your bank's list of merchants and your bank sends an electronic payment. Electronic fund transfers are credited to your account immediately. US checks will be credited to your account after seven business days.
Transfer from Wise Balance - Link your Wise profile, then initiate a fund transfer from your Wise multi-currency account to your IBKR account.
BPAY Notification - Online bill payment for Australian dollars only
Wire Notification (CNH) - Chinese Renminbi only
Wire/SEPA Notification - Euros only
eDDA - Electronic Direct Debit Authorization. A Transfer Service in Hong Kong that provides clients with a fast and convenient way to draw funds, in HKD or CNY, from their Hong Kong bank account to credit their IBKR account. Once the initial eDDA setup request has been confirmed by your bank, you can top up your IBKR account at any time by simply confirming the transfer amount.

Deposit notifications are easy to complete. All required information appears as a form that you complete on a single page - as you fill in a field or make a selection, the next part of the notification form appears.

Deposits

Unlike deposit notifications, deposits actually move money into your account. Deposits that move money into your account are available if you are enrolled in the Secure Login System.

Wire
Check (all checks, including retirement checks)
Acceptable/Unaceptable Check Types
If you are unable to send a wire transfer, we will accept bank checks made payable to Interactive Brokers LLC (denominated in US dollars only) or personal checks made payable to Interactive Brokers LLC (denominated in US dollars and from a US bank account). Checks will not be accepted unless they include your account name and account number.

If you fund your account with a bank check, the check must state one of the following descriptions for us to properly identify the check as a bank check:
- Treasurer's Check
- Cashier's Check
- Teller's Check
- Banker's Check
- Official Check
If your bank check does not have one of the above titles stated on the check, or if your check is issued by a credit union or bill payment service, Interactive Brokers will book the funds according to our personal check policy.

Note: Interactive Brokers' policy is to apply a 6 business day credit hold period on funds from personal checks.
Automated Clearing House (ACH) transfer initiated by us
ACH transfer initiated by your bank
Canadian Electronic Funds Transfer (EFT) - Canada only
BPAY - Online bill payment for Australian Dollars only
Direct Rollover - IRA accounts only
Trustee-to-Trustee IRA accounts only
eBank Small Payment (網銀支付) - Additional information is available on the Fund Transfers page in Portal.
eDDA - Electronic Direct Debit Authorization

Note: IBIE and IBCE clients who send deposits to an IBLLC bank account will be charged a EUR 50 fee.

Unacceptable Deposits:

Cash (coin or currency)
Domestic drafts
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 Interactive Brokers (including checks made payable to Interactive Brokers by special endorsement) or checks for a deposit to an IBKR account, where the check is from someone other than a named account holder. Exceptions to this policy are:
- Checks from anyone with the same last name and address as the account holder (i.e. husbands, wives, children)
- For organization accounts, checks from any named person affiliated with the account (i.e. officers, traders, owners, etc.))
Credit card checks
Money orders
Travelers checks
Foreign checks or other instruments
Home Equity Line of Credit Checks
Check referring to more than one Interactive Brokers 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 Interactive Brokers account (IBKR does not split the proceeds from one wire into multiple accounts)