Interactive Brokers IBKR Pro margin rates
Interactive Brokers IBKR Pro charges 5.38% a year on a $100,000 margin loan and 5.38% on $25,000, according to its published schedule. At $100,000 that is 3rd lowest of the 14 brokers we compare.
- On $25,000
- 5.38%$1,345 a year · 3rd lowest of 14
- On $100,000
- 5.38%$5,380 a year · 3rd lowest of 14
- On $500,000
- 4.98%$24,900 a year · 3rd lowest of 10
- IBKR USD Reference Benchmark (BM)
- 3.88%
The full schedule
| Debit balance | Annual rate | How it is set |
|---|---|---|
| $0 to $100,000 | 5.380% | BM + 1.5% |
| $100,000 to $1,000,000 | 4.880% | BM + 1% |
| $1,000,000 to $50,000,000 | 4.630% | BM + 0.75% |
| $50,000,000 to $250,000,000 | 4.380% | BM + 0.5% |
| $250,000,000 and up | 4.380% | BM + 0.5% |
This schedule is blended: each slice of your balance is charged at the rate for its own tier, so a large loan pays a mix of rates. The figures above apply that blend.
Worth knowing
IBKR Pro blends its tiers: on a $1,000,000 balance, the first $100,000 is charged at the first tier rate and the next $900,000 at the second. IBKR adds 1% on very large balances in the top tier unless arranged in advance.
Source
Interactive Brokers IBKR Pro margin rates page: "0 ≤ 100,000 5.380% (BM + 1.5% )". Schedule date: not dated by the broker. Checked 2026-10-24. Rates change without notice; the broker's own disclosure governs.
What will borrowing cost?
Published rates, simple interest