Balance Minimum Requirements

The following minimums are required to open an account 1: 


Required Deposit

IRAs 2

USD5,000.00(or non-USD equivalent)

Individuals age 21 or younger

USD3,000.00(or non-USD equivalent)

Other Accounts

USD5,000.00(or non-USD equivalent)


  •          To Trade a margin account you must maintain at least USD 2,000 or non-USD equivalent. 
  •          Pattern Day Traders have higher minimum requirements.
  1.          Accounts that show no balance will be closed. To reactivate an account that has been closed for having no balance, a new account deposit of USD 10,000 or non-USD equivalent is required.
  2.           Because of contribution limits, IRA accounts will only be required to deposit USD 5,000 in order to open a new account. In addition, US Regulators require USD 25,000 (or non-USD equivalent) to Day Trade stocks and options.

Monthly Activity Minimum Requirements

As IB caters to active professional traders and investors, we require that each account generate a minimum of commissions per month. Accounts generating commissions less than the minimum as stated below in any given month will be assessed the difference as a monthly activity fee. Please note that the monthly activity fee is based on commissions only, and does not include fees related to third-party assessments such as market data subscriptions or order modification/cancellation fees.

In addition to monthly fee minimums, we pass through market data fees from the exchanges for any real-time market data service in which a customer subscribes. Customers choosing to subscribe to US non-professional real-time market data will have the USD 10 (or non-USD equivalent) monthly market data subscription fee waived if they spend USD 30 (or USD equivalent) or more in commission for the month.

Customer Type

Activity Fee Minimum

Financial Advisor Client

USD10.00(or non-USD equivalent)

Age 25 or under

USD3.00(or non-USD equivalent)

Customer with equity balances < USD 2,000 (or USD equivalent)

USD20.00(or non-USD equivalent)


  • For the purpose of computing minimums for Advisors, Institutions, and Brokers, fees are considered on a consolidated basis. The number of accounts under an Advisor, Institution, and Broker structure are multiplied by the USD 10 minimum, and compared to the total commissions for all accounts. If the total commissions are greater than the minimum calculation, no activity minimum fee will be applied. If the total commissions are less than the minimum calculation, the minimum fee calculation will be applied to each individual account. 

    As an example, I have one advisor master account and four client accounts. My minimum is five times USD 10, or USD 50. If all five accounts on a consolidated basis had commissions of USD 60, no minimum would be charged. If the consolidated commissions for all five accounts were USD 40, the USD 10/USD 20 minimum described in the Activity Fee Minimum column would be applied to each account (including advisor and master accounts).