Taxas de margem e financiamento

Taxas de margem Taxas de
benchmark de referência Cálculos

Calcular a taxa combinada cobrada sobre o crédito de margem

Juros cobrados sobre os créditos de margem
Ver exemplos

Ao calcular as taxas, lembre-se de que a IBKR usa uma taxa combinada com base nos níveis a seguir. Por exemplo, para um saldo acima de USD 1.000.000, será cobrada uma taxa de Nível I sobre os primeiros 100.000. Já para os 900.000 seguintes, será cobrada uma taxa de Nível II e assim por diante. Ao determinar o spread cotado, a IBKR usará a taxa de benchmark definida ou uma taxa zero de benchmark para todas as taxas de benchmark inferiores a zero.

A IBKR acumula juros diariamente e lança os juros reais mensalmente no terceiro dia útil do mês seguinte.

Os níveis em que os juros se baseiam podem variar periodicamente sem notificação prévia para os clientes. Esses ajustes são feitos periodicamente para compensar as flutuações das taxas de câmbio.

Juros estimados cobrados sobre os créditos de margem

Insira o saldo

Plano de preços:

IBKR Pro IBKR Lite

Calcular a taxa combinada

Comparar - IBKR Lite vs. IBKR Pro

* A IBKR cobra a sobretaxa de 1% sobre grandes saldos de empréstimo, a não ser que seja predeterminada uma cobrança diferente. Aplica-se a sobretaxa de 1% a todos os saldos no nível mais alto.

A calculadora de juros tem como base informações que, segundo nossa avaliação, são precisas e corretas, mas nem a Interactive Brokers LLC nem suas empresas coligadas garantem a precisão ou a exatidão dessas informações. A IBKR e suas sociedades coligadas não se responsabilizam por erros e omissões, nem pelos resultados obtidos com essa calculadora.

BM = Taxa de benchmark

Moeda	Nível	Taxa cobrada: IBKR Pro	Taxa cobrada: IBKR Lite
USD	0 ≤ 100.000	6.830% (BM + 1.5%)	7.830% (BM + 2.5%)
	100.000 ≤ 1.000.000	6.330% (BM + 1%)	7.830% (BM + 2.5%)
	1.000.000 ≤ 50.000.000	6.080% (BM + 0.75%)	7.830% (BM + 2.5%)
	50.000.000 ≤ 200.000.000	5.830% (BM + 0.5%)¹	7.830% (BM + 2.5%)
	> 200.000.000	5.830% (BM + 0.5%) ^1,2	7.830% (BM + 2.5%)
AED	0 ≤ 350.000	7.614% (BM + 2.5%)	8.614% (BM + 3.5%)
	350.000 ≤ 3.500.000	7.114% (BM + 2%)	8.614% (BM + 3.5%)
	3.500.000 ≤ 350.000.000	6.614% (BM + 1.5%)	8.614% (BM + 3.5%)
	> 350.000.000	6.614% (BM + 1.5%) ²	8.614% (BM + 3.5%)
AUD	0 ≤ 150.000	5.745% (BM + 1.5%)	6.745% (BM + 2.5%)
	150.000 ≤ 1.500.000	5.245% (BM + 1%)	6.745% (BM + 2.5%)
	1.500.000 ≤ 75.000.000	4.995% (BM + 0.75%)	6.745% (BM + 2.5%)
	75.000.000 ≤ 300.000.000	4.745% (BM + 0.5%) ¹	6.745% (BM + 2.5%)
	> 300.000.000	4.745% (BM + 0.5%) ^1,2	6.745% (BM + 2.5%)
CAD	0 ≤ 130.000	6.326% (BM + 1.5%)	7.326% (BM + 2.5%)
	130.000 ≤ 1.300.000	5.826% (BM + 1%)	7.326% (BM + 2.5%)
	1.300.000 ≤ 64.000.000	5.576% (BM + 0.75%)	7.326% (BM + 2.5%)
	64.000.000 ≤ 260.000.000	5.326% (BM + 0.5%) ¹	7.326% (BM + 2.5%)
	> 260.000.000	5.326% (BM + 0.5%) ^1,2	7.326% (BM + 2.5%)
CHF	0 ≤ 90.000	2.695% (BM + 1.5%)	3.695% (BM + 2.5%)
	90.000 ≤ 900.000	2.195% (BM + 1%)	3.695% (BM + 2.5%)
	900.000 ≤ 46.000.000	1.945% (BM + 0.75%)	3.695% (BM + 2.5%)
	46.000.000 ≤ 180.000.000	1.695% (BM + 0.5%) ¹	3.695% (BM + 2.5%)
	> 180.000.000	1.695% (BM + 0.5%) ^1,2	3.695% (BM + 2.5%)
CNH	0 ≤ 700.000	8.555% (BM + 4%)	9.555% (BM + 5%)
	700.000 ≤ 7.000.000	7.555% (BM + 3%)	8.555% (BM + 4%)
	7.000.000 ≤ 350.000.000	7.055% (BM + 2.5%)	8.055% (BM + 3.5%)
	> 350.000.000	6.555% (BM + 2%) ²	7.555% (BM + 3%)
CZK	0 ≤ 400.000.000	8.131% (BM + 3%)	9.131% (BM + 4%)
	> 400.000.000	8.131% (BM + 3%) ²	9.131% (BM + 4%)
DKK	0 ≤ 120.000.000	6.478% (BM + 3%)	7.478% (BM + 4%)
	> 120.000.000	6.478% (BM + 3%) ²	7.478% (BM + 4%)
EUR	0 ≤ 90.000	5.346% (BM + 1.5%)	6.346% (BM + 2.5%)
	90.000 ≤ 900.000	4.846% (BM + 1%)	6.346% (BM + 2.5%)
	900.000 ≤ 44.000.000	4.596% (BM + 0.75%)	6.346% (BM + 2.5%)
	44.000.000 ≤ 180.000.000	4.346% (BM + 0.5%) ¹	6.346% (BM + 2.5%)
	> 180.000.000	4.346% (BM + 0.5%) ^1,2	6.346% (BM + 2.5%)
GBP	0 ≤ 80.000	6.625% (BM + 1.5%)	7.625% (BM + 2.5%)
	80.000 ≤ 800.000	6.125% (BM + 1%)	7.625% (BM + 2.5%)
	800.000 ≤ 38.000.000	5.875% (BM + 0.75%)	7.625% (BM + 2.5%)
	38.000.000 ≤ 150.000.000	5.625% (BM + 0.5%) ¹	7.625% (BM + 2.5%)
	> 150.000.000	5.625% (BM + 0.5%) ^1,2	7.625% (BM + 2.5%)
HKD	0 ≤ 780.000	6.458% (BM + 2.5%)	7.458% (BM + 3.5%)
	780.000 ≤ 7.800.000	5.958% (BM + 2%)	7.458% (BM + 3.5%)
	7.800.000 ≤ 780.000.000	5.458% (BM + 1.5%)	7.458% (BM + 3.5%)
	> 780.000.000	5.458% (BM + 1.5%) ²	7.458% (BM + 3.5%)
HUF	0 ≤ 4.500.000.000	12.504% (BM + 5%)	13.504% (BM + 6%)
	> 4.500.000.000	12.504% (BM + 5%) ²	13.504% (BM + 6%)
ILS	0 ≤ 80.000.000	8.729% (BM + 5%)	9.729% (BM + 6%)
	> 80.000.000	8.729% (BM + 5%) ²	9.729% (BM + 6%)
INR	Todos	9.590% (BM + 3%)	10.590% (BM + 4%)
JPY	0 ≤ 11.000.000	1.500% (BM + 1.5%)	2.500% (BM + 2.5%)
	11.000.000 ≤ 114.000.000	1.000% (BM + 1%)	2.500% (BM + 2.5%)
	114.000.000 ≤ 5.700.000.000	0.750% (BM + 0.75%)	2.500% (BM + 2.5%)
	5.700.000.000 ≤ 23.000.000.000	0.75% (BM + 0.5%) ¹	2.500% (BM + 2.5%)
	> 23.000.000.000	0.75% (BM + 0.5%) ^1,2	2.500% (BM + 2.5%)
KRW	0 ≤ 120.000.000	5.500% (BM + 2%)	6.500% (BM + 3%)
	120.000.000 ≤ 1.200.000.000	5.000% (BM + 1.5%)	6.500% (BM + 3%)
	1.200.000.000 ≤ 24.000.000.000	4.500% (BM + 1%)	6.500% (BM + 3%)
	> 24.000.000.000	4.500% (BM + 1%) ²	6.500% (BM + 3%)
MXN	0 ≤ 2.000.000	14.011% (BM + 3%)	15.011% (BM + 4%)
	2.000.000 ≤ 20.000.000	13.011% (BM + 2%)	15.011% (BM + 4%)
	20.000.000 ≤ 2.000.000.000	12.511% (BM + 1.5%)	15.011% (BM + 4%)
	> 2.000.000.000	12.511% (BM + 1.5%) ²	15.011% (BM + 4%)
NOK	0 ≤ 900.000	5.848% (BM + 1.5%)	6.848% (BM + 2.5%)
	900.000 ≤ 9.000.000	5.348% (BM + 1%)	6.848% (BM + 2.5%)
	9.000.000 ≤ 450.000.000	5.098% (BM + 0.75%)	6.848% (BM + 2.5%)
	450.000.000 ≤ 1.800.000.000	4.848% (BM + 0.5%) ¹	6.848% (BM + 2.5%)
	> 1.800.000.000	4.848% (BM + 0.5%) ^{1, 2}	6.848% (BM + 2.5%)
NZD	0 ≤ 150.000	6.728% (BM + 1.5%)	7.728% (BM + 2.5%)
	150.000 ≤ 1.500.000	6.228% (BM + 1%)	7.728% (BM + 2.5%)
	1.500.000 ≤ 150.000.000	5.978% (BM + 0.75%)	7.728% (BM + 2.5%)
	> 150.000.000	5.978% (BM + 0.75%) ²	7.728% (BM + 2.5%)
PLN	0 ≤ 70.000.000	8.817% (BM + 3%)	9.817% (BM + 4%)
	> 70.000.000	8.817% (BM + 3%) ²	9.817% (BM + 4%)
RUB*	0 ≤ 660.000.000	21.140% (BM + 5%)	22.140% (BM + 6%)
	> 660.000.000	21.140% (BM + 5%) ²	22.140% (BM + 6%)
SAR	0 ≤ 350.000	8.050% (BM + 2.5%)	9.050% (BM + 3.5%)
	350.000 ≤ 3.500.000	7.550% (BM + 2%)	9.050% (BM + 3.5%)
	3.500.000 ≤ 350.000.000	7.050% (BM + 1.5%)	9.050% (BM + 3.5%)
	> 350.000.000	7.050% (BM + 1.5%) ²	9.050% (BM + 3.5%)
SEK	0 ≤ 900.000	5.287% (BM + 1.5%)	6.287% (BM + 2.5%)
	900.000 ≤ 9.100.000	4.787% (BM + 1%)	6.287% (BM + 2.5%)
	9.100.000 ≤ 454.000.000	4.537% (BM + 0.75%)	6.287% (BM + 2.5%)
	454.000.000 ≤ 1.820.000.000	4.287% (BM + 0.5%) ¹	6.287% (BM + 2.5%)
	> 1.820.000.000	4.287% (BM + 0.5%) ^1,2	6.287% (BM + 2.5%)
SGD	0 ≤ 140.000	5.350% (BM + 1.5%)	6.350% (BM + 2.5%)
	140.000 ≤ 1.400.000	4.850% (BM + 1%)	6.350% (BM + 2.5%)
	1.400.000 ≤ 68.000.000	4.600% (BM + 0.75%)	6.350% (BM + 2.5%)
	68.000.000 ≤ 270.000.000	4.350% (BM + 0.5%) ¹	6.350% (BM + 2.5%)
	> 270.000.000	4.350% (BM + 0.5%) ^{1, 2}	6.350% (BM + 2.5%)
TRY	0 ≤ 250.000.000	32.831% (BM + 5%)	34.831% (BM + 7%)
	> 250.000.000	33.831% (BM + 6%) ²	34.831% (BM + 7%)
ZAR	0 ≤ 1.500.000	9.320% (BM + 1.5%)	10.320% (BM + 2.5%)
	1.500.000 ≤ 15.000.000	8.820% (BM + 1%)	10.320% (BM + 2.5%)
	15.000.000 ≤ 1.500.000.000	8.570% (BM + 0.75%)	10.320% (BM + 2.5%)
	> 1.500.000.000	8.570% (BM + 0.75%) ²	10.320% (BM + 2.5%)

Um piso mínimo de 0,75% será cobrado sobre os créditos de margem. As taxas estão sujeitas a alterações.
Pode estar sujeito a uma sobretaxa de 1% aplicada ao spread se o financiamento não for predeterminado.

OBSERVAÇÕES:

Devido às restrições impostas pela Rússia, os clientes da IBKR não podem abrir ou fechar posições na Moscow Stock Exchange neste momento.
A partir de 28 de julho de 2022, todos os saldos long ou short em rublos russos (RUB) presentes nas contas serão convertidos automaticamente em dólares americanos (USD) ou euros (EUR), dependendo da pessoa jurídica sob a qual a conta estiver aberta. Visite nossa Base de conhecimentos para acessar mais informações.

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Declarações informativas

A IBKR poderá alterar essas taxas a qualquer momento, a seu exclusivo critério. Publicaremos as taxas atuais na medida do possível. As taxas de juros também podem variar por programa ou plano. Sujeito a restrições. As taxas publicadas são para clientes diretos da IBKR. Clientes apresentados por outro corretor podem pagar um valor diferente de juros de margem, a critério do corretor de apresentação do cliente. Os clientes devem entrar em contato com o corretor de apresentação para obter mais informações sobre as taxas que serão aplicadas à conta.

Which Plan is Best for You?

Features	IBKR Lite	IBKR Pro
Commissions:
US Exchange-Listed Stocks / ETFs	Commission-free^{1, 12}	Fixed or Tiered Pricing
Other Stocks / ETFs	Fixed Pricing	Fixed or Tiered Pricing
Options	Fixed Pricing²	Fixed or Tiered Pricing
Futures	Fixed Pricing	Fixed or Tiered Pricing
Currencies	Tiered Pricing	Tiered Pricing
Bonds	Tiered Pricing	Tiered Pricing
Mutual Funds	Fixed Pricing	Fixed or Tiered Pricing
Account Fees:
Minimum Balance	USD 0	USD 0
Maintenance Fee	USD 0	USD 0
Interest Paid on Instantly Available Cash Balances³	Benchmark minus 1.5%	Benchmark minus 0.5%
Interest Charged for Margin Loan	Benchmark plus 2.5%	Begins at Benchmark plus 1.5%, with lower rates for higher loan values.⁴
Eligible Accounts:
US Retail Investors⁵
Institutional Accounts⁶
Advisors^7,8
Brokers^9,10
Account Features:
Stock Yield Enhancement Program
FDIC Promontory Program
Market Data - US Listed Stock/ETFs	Complimentary non-consolidated, real time streaming data* for primary exchanges for US Equities and ETFs.	Complimentary non-consolidated, real time streaming data* for primary exchanges for US Equities and ETFs.
Market Data - Other Products	Low-cost data bundles and a la carte subscriptions available.	Low-cost data bundles and a la carte subscriptions available.
Outside Regular Trading Hours¹¹	07:00 - 20:00	04:00 - 20:00
Trading Technology:
Client Portal
IBKR Mobile
IBot
Trader Workstation (TWS)	**
IBKR APIs
Algos	^†
Condition Orders & Advanced Order Types
Paper Trading
Mutual Fund / ETF Replicator
Risk Navigator^SM

= Included

IBKR Lite is meant for retail investors, including financial advisors trading on behalf of their retail clients. IBKR reserves the right to reject any IBKR Lite order or series of orders if IBKR determines the order(s) appear to show non-retail trading behavior. At the time an order is rejected, the client will be automatically presented the option to resubmit the rejected order on a Fixed commission basis.
Where available in North America.
Accounts with a NAV of less than USD 100,000 (or equivalent) will be paid at a rate proportional to accounts with a NAV of USD 100,000 (or equivalent) or more. The proportion is determined by the ratio of the account's NAV to USD 100,000 (or equivalent). This does not apply to currencies with negative interest rates, where the negative rate applied will be the same regardless of account size. See our Interest Rates for details.
See our Margin Rates for details.
US Retail Investors includes individuals, joint, UGMA/UTMA, retirement and trust accounts.
1. Standalone trust accounts with legal entity trustees are not eligible for IBKR Lite
Institutional Accounts are defined as any hedge funds, proprietary trading group or organizational type accounts
Advisors include all registered financial advisors and non-registered financial advisors.
To be eligible for IBKR Lite, advisors must be US domiciled and must have:
1. Less than 15% of client accounts outside the US
2. Less than 15% of client equity outside the US
3. Less than 15% of client accounts as organization accounts
4. No client accounts from Israel
5. No partitioned client accounts
6. No Separate Trading Limits (Proprietary Trading) accounts
Brokers require special approval from IBKR before opening an IBKR Lite account. Brokers cannot have both IBKR Lite and IBKR Pro clients under the same account structure. Separate accounts structures are required to facilitate.
Brokers on the IBKR Lite plan cannot support the follow ing type of client sub accounts:
1. Israel is the country of legal residence of the account holder
2. Partitioned client accounts
3. Three-tier hierarchies (no advisor or STL proprietary trading accounts)
4. OMS clients
Regular trading hours for IBKR Lite and IBKR Pro are 09:30 – 16:00. Market orders placed prior to regular trading hours will be treated as MarketOnOpen orders and count towards client threshold.
At the end of each month, IBKR will review the total monthly trading volume of US listed stock orders. If the combined volume of OnClose, OnOpen, Outside Regular Trading Hours ("Outside RTH") or sub-USD 1.00 NMS exceeds 10% of an account's monthly US stock trading volume, a commission of the lesser of USD 0.005 per share or 1% of trade value will be charged.

* Excludes pink sheet data.
**Trader Workstation (TWS) is not available to Brokers' clients enrolled in IBKR Lite.
† Fees may apply.

We understand your investment needs change over time. You can switch between the IBKR Lite and IBKR Pro plan at any time. Your first three reclassifications are processed on a daily basis while subsequent reclassifications happen on a quarterly basis.

Taxas de margem e financiamento