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IBKR Reference Benchmark Rates

Interest Rates

PRICING

IBKR Reference Benchmark Rates

IBKR's benchmark for each currency is the reference rate around which our credit, debit, stock loan and other interest rate linked calculations are determined. IBKR uses a combination of internationally recognized reference rates (such as Fed Funds), bank deposit rates, and dynamic interbank rates determined from foreign exchange and money markets to calculate an IBKR Reference Benchmark rate.

For more information about IBKR Reference Benchmark, visit the IBKR Knowledge Base.

For information regarding the various external reference rates that contribute to the IBKR Reference Benchmark rate see Benchmark Interest Calculation Reference Rate Descriptions.


Currency Description for Effective Date 20250722 Rate Effective Date
USD
Reference Benchmark USD
4.33%
20250722
AED
Reference Benchmark AED
4.193%
20250722
AUD
Reference Benchmark AUD
3.95%
20250722
BGN
Reference Benchmark BGN
1.975%
20250722
BRL
Reference Benchmark BRL
14.9%
20250722
CAD
Reference Benchmark CAD
2.664%
20250722
CHF
Reference Benchmark CHF
(0.167)%
20250722
CNH
Reference Benchmark CNH
1.126%
20250722
CZK
Reference Benchmark CZK
3.372%
20250722
DKK
Reference Benchmark DKK
1.543%
20250722
EUR
Reference Benchmark EUR
1.946%
20250722
GBP
Reference Benchmark GBP
4.209%
20250722
HKD
Reference Benchmark HKD
0.252%
20250722
HUF
Reference Benchmark HUF
6.28%
20250722
ILS
Reference Benchmark ILS
4.797%
20250722
INR
Reference Benchmark INR
5.68%
20250722
JPY
Reference Benchmark JPY
0.413%
20250722
KRW
Reference Benchmark KRW
2.5%
20250722
MXN
Reference Benchmark MXN
8.588%
20250722
NOK
Reference Benchmark NOK
4.078%
20250722
NZD
Reference Benchmark NZD
3.038%
20250722
PLN
Reference Benchmark PLN
4.98%
20250722
RON
Reference Benchmark RON
5.643%
20250722
RUB
Reference Benchmark RUB
19.1%
20250722
SAR
Reference Benchmark SAR
5.396%
20250722
SEK
Reference Benchmark SEK
1.936%
20250722
SGD
Reference Benchmark SGD
1.515%
20250722
TRY
Reference Benchmark TRY
35.495%
20250722
ZAR
Reference Benchmark ZAR
7.101%
20250722

Prior Period Benchmark Rates

IBKR accrues interest daily and posts actual interest monthly on the third business day of the following month. For detailed examples on how we calculate interest, open the Interest Paid to You and Interest Rates Charged to You on Margin Loan Balances sections on this page.