Apply for an IBKR Debit Mastercard Here

Use the IBKR Debit Mastercard® to Simplify Your Financial Life

The IBKR Advantage

  • Put your brokerage account assets to work for more than just investing. Use the Interactive Brokers Debit Mastercard® wherever Debit Mastercard® is accepted around the world.
  • If needed, you can borrow on demand against your brokerage account assets at USD 6.83% or less1, which is lower than bank loans, credit cards, or home equity lines of credit.2
  • No monthly payments or late fees, with flexibility to pay back loans at your own pace.
  • 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

Use Your Brokerage
Account for More

As an IBKR client, you can invest globally in stocks, options, futures, currencies, bonds and funds, access more on 150 global markets from a single unified platform, fund your account in multiple currencies and trade assets denominated in multiple currencies.

The Interactive Brokers Debit Mastercard lets you use your brokerage account assets to make purchases wherever the Debit Mastercard is accepted around the world. Clients with an individual account and trustees (who are also beneficiaries) are eligible for the program. In addition, advisors and brokers on the IBKR platform can offer the Interactive Brokers Debit Mastercard to their clients.

Use Your Brokerage Account for More
Low Borrowing Costs

Borrow Against Your Account with Low Borrowing Costs

With the Interactive Brokers Debit Mastercard, you can automatically borrow against your account at USD 6.83% or less1, which is lower than bank loans, credit cards, home equity lines of credit. There are no monthly minimum payments or late fees2, 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 USD 1,000 per day.

Learn More

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 an 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*


  • Lost/Stolen Card Reporting
  • Emergency Card Replacement

For complete information visit 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.

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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 November 6, 2023. Interactive Brokers calculates the interest charged on margin loans using the applicable rates for each interest rate tier listed on its website. Learn more about margin loan rates.
  2. Rates obtained on July 29, 2022 from for average HELOC rate, average personal loan rate and average credit card rate from

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.