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Interactive Brokers High-Yield Idle Cash Account

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About Interactive Brokers High-Yield Savings

Interactive Brokers pays up to 4.33% APY on instantly available USD cash balances above $10,000 while providing seamless access to global equities, Treasury bills, and low-rate margin borrowing.

Features

Annual Fee	$0 Monthly Maintenance Fee
Regular APR / Rate	N/A
Intro Offer / Welcome Bonus	Up to $1,000 in IBKR Stock
Savings APY / AER	4.33% APY on Uninvested USD
Minimum Deposit	$10,000 for Cash Interest Tier
Foreign Transaction Fee	None
Deposit Insurance	Up to $2.5M FDIC + $500k SIPC
Mobile App Rating	4.8 / 5

Pros

Industry-lowest margin loan rates in the U.S. (5.33%–5.83% APR tiered)
Borrow cash directly against your stock/ETF portfolio without origination fees
Earn up to $1,000 in IBKR stock welcome bonus on new deposits/transfers
Up to 4.33% APY paid on uninvested idle USD cash balances over $10,000

Cons

No monthly buffer—margin calls execute automatically in real time if maintenance equity drops
Full 4.33% idle cash interest rate requires higher net asset value ($100k+ for top tier)