If you are an institution, click below to learn more about our offerings for RIAs, Hedge Funds, Compliance Officers and more.

Apply for an IBKR Debit Mastercard Here

Do More with the Interactive Brokers Debit Mastercard®

The IBKR Advantage

  • US clients can borrow on demand at USD 6.08% or less1, which is lower than credit cards, personal loans or home equity lines of credit.2
  • No monthly payments or late fees, with flexibility to pay back loans at your own pace.
  • Conveniently access your account funds wherever Debit Mastercard is accepted.
  • Use IBKR Mobile two-factor authentication to authorize transactions safely and securely.
  • Use with Google Pay, Apple Pay or Samsung Pay for contactless purchases.
Interactive Brokers Debit Mastercard
Low Borrowing Costs

Low Borrowing Costs

Automatically borrow against your account at USD 6.08% or less1, which is lower than credit cards, personal loans or home equity lines of credit, without monthly minimum payments or late fees.2 There are no monthly minimum payments or late fees, so you have the flexibility to pay back loans at your own pace. In addition, you can use the Debit Mastercard at ATMs to withdraw a maximum of $1,000 per day.

Learn More

Integrated with Your Account

Cash management is integrated into your broker account. This means that you can always borrow at the lowest rates without having to worry about first transferring cash.

In addition, advisors and brokers on the IBKR platform can let their clients request the Interactive Brokers Debit Mastercard through Client Portal, and trustees (who are also beneficiaries) are eligible for the program.

Safety and Security

Our IBKR Mobile app uses two-factor authentication to provide added safety and security to the Debit Mastercard. Use the app to authorize transactions, pre-authorize large purchases and lock or unlock your card. In addition, the Debit Mastercard can be added to Google Pay, Apple Pay or Samsung Pay for contactless purchases using your mobile device. Click and icon to download a mobile payment solution.

Apple Pay
Google Pay
Samsung Pay

Additional Debit Mastercard Benefits:


  • Zero Liability
  • Mastercard ID Theft Protection
  • Extended Warranty
  • Price Protection
  • Satisfaction Guarantee


  • Priceless Offers & Experiences


  • Mastercard Airport Concierge*


  • Emergency Card Replacement
  • Lost/Stolen Card Reporting

For complete information visit mycardbenefits.com or call Mastercard at 1-800-MASTERCARD

*Cardholder fees may apply

Have a question? Browse our FAQs.
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Calculate Your Approximate Interactive Brokers Spending Limit

For Your Assets Held at IBKR.



Enter values below in whole US dollars to see your approximate spending limit.

Cash value

Long Stock value

Short Stock value

Mutual Funds value

Treasury Securities

Total Portfolio Value


Portfolio Margin accounts require $100,000 minimum balance. For non-Portfolio Margin accounts, choose the Reg-T margin rates button below.
To see your exact limit for your specific portfolio, open a Free Trial account. This will allow you to log into Trader Workstation (TWS), add the positions in your current portfolio, and view your current available margin.

Note: Mutual Funds must be fully-paid for a period of 30 days after purchase in order to be used as margin collateral.

The interest calculator is based on information that we believe to be accurate and correct, but neither Interactive Brokers LLC nor its affiliates warrant its accuracy or adequacy and it should not be relied upon as such. Neither Interactive Brokers nor its affiliates are responsible for any errors or omissions or for results obtained from the use of this calculator.

Want to become an IBKR client?

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Margin borrowing is only for experienced investors with high risk tolerance.
You may lose more than your initial investment.
  1. Annual Percentage Rate (APR) on USD margin loan balances for IBKR Pro as of 03/02/23. Interactive Brokers calculates the interest charged on margin loans using the applicable rates for each interest rate tier listed on its website. For additional information on margin loan rates, click here
  2. Rates obtained on July 29, 2022 from Bankrate.com for average HELOC rate, average personal loan rate and average credit card rate from creditcards.com.

Margin loan rates and credit interest rates are subject to change without prior notice.

BY USING THE INTERACTIVE BROKERS DEBIT MASTERCARD YOU AGREE WITH THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY. This card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank© 2014.

All interest and borrowing activity is through Interactive Brokers LLC. Please see your customer agreement with Interactive Brokers LLC for further details.

Card program marketed and administered by Interactive Brokers LLC, the Program Manager of the Interactive Brokers Debit Mastercard.