Informationen über Treuhandkonten für sanktionierte Wertpapiere

Übersicht: 

Ein Treuhandkonto wurde in Ihrem Namen eröffnet, wenn Sie Wertpapiere besitzen, die den umfassenden Sanktionen, die vom Office of Foreign Assett Control (OFAC) verhängt wurden, unterliegen.
 

Warum habe ich ein Treuhandkonto?

Wir haben ein „Treuhandkonto" für Ihre Positionen in sanktionierten Wertpapieren eingerichtet, die von Ihren anderen Anlagen gemäß Sanktionsvorschriften getrennt sind. Ohne Treuhandkonto müssten diese sanktionierten Positionen liquidiert werden.


Was ist ein Treuhandkonto?

Auf dem Treuhandkonto werden ausschließlich Ihre sanktionierten Wertpapiere, die nicht gehandelt oder übertragen werden können, verwahrt.


Kann ich mein Treuhandkonto kündigen?

Nein. Solange Sie sanktionierte Wertpapiere halten, können Sie Ihr Treuhandkonto nicht kündigen.


Wie kann ich auf mein Treuhandkonto zugreifen?

Treuhandkonten sind im Kundenportal auf dieselbe Weise sichtbar wie alle anderen Kundenkonten. Sie haben auf das neue Treuhandkonto nur Lesezugriff und erhalten Auszüge und Mitteilungen.


Erhalte ich Zinsen/Dividenden für die auf dem Treuhandkonto gehaltenen Vermögenswerte?

Ja, alle vom Emittenten gezahlten Zinsen oder Dividenden werden dem Treuhandkonto gutgeschrieben. Diese Gelder unterliegen ebenfalls Sanktionen und können deshalb nicht auf Ihr nicht treuhänderisch verwaltetes Konto übertragen werden.


Wie wirken sich treuhänderisch gehaltene Vermögenswerte auf den NIW meines Kontos aus?

Ihr Treuhandkonto ist zwar mit Ihrem(n) regulären Konto(en) verknüpft, aber das Guthaben auf diesem Konto ist mit Sanktionen belegt, und sein Wert wird deshalb nicht Ihrem Kontoguthaben, das von nicht sanktionsbelegten Wertpapieren stammt, zugerechnet.


Wie wirken sich treuhänderisch gehaltene Vermögenswerte auf meine Marginlimits aus?

Alle sanktionierten Wertpapiere sind nicht marginfähig und können nicht als Sicherheiten für andere Positionen verwendet werden.


Wie kann ich Auszüge für das Treuhandkonto erstellen?

Wie bei Ihrem Hauptkonto können Sie Kontoauszüge über das Kundenportal erstellen.


Kann ich getrennte und kombinierte Auszüge für meine Konten erstellen?

Ja, die Auszüge können auf dieselbe Weise erstellt werden, wie das auch bei mehreren Konten ohne Treuhandkonto der Fall wäre.


Kann ich treuhänderisch verwaltete Vermögenswerte von der Steuer absetzen?

Die steuerlichen Konsequenzen Ihres Treuhandvermögens können je nach Standort unterschiedlich ausfallen. Interactive Brokers empfiehlt Ihnen, sich mit einem Steuerberater vor Ort in Verbindung zu setzen, um ein Verständnis der steuerlichen Auswirkungen dieser sanktionierten Wertpapiere zu erwerben.


Bin ich für die Zahlung von Steuern auf Zinsen/Dividenden auf treuhänderisch gehaltene Vermögenswerte verantwortlich?

Wie vorher erwähnt, können die steuerlichen Auswirkungen Ihrer treuhänderisch verwalteten Vermögenswerte je nach Standort unterschiedlich ausfallen. Interactive Brokers empfiehlt Ihnen, sich mit einem Steuerberater vor Ort in Verbindung zu setzen, um ein Verständnis der steuerlichen Auswirkungen dieser sanktionierten Wertpapiere zu erwerben.


Unterliegt mein Treuhandkonto dem gleichen Schutz wie mein IBKR-Brokerage-Konto?

Ja, Ihr Vermögen wird zwar auf dem Treuhandkonto gehalten, unterliegt aber dem gleichen Schutz wie Ihr IBKR-Brokerage-Konto.

About Escrow Accounts for Sanctioned Securities

Übersicht: 

An escrow account was opened in your name if you own securities that are subject to comprehensive sanctions imposed by the US Treasury Department's Office of Foreign Asset Control ("OFAC").
 

Why do I have an escrow account?

We created an “escrow account” for you to hold positions in sanctioned securities so they are segregated from your other holdings in accordance with sanctions regulations.


What is an escrow account?

This escrow account will be used only to hold your sanctioned securities, which cannot be traded or transferred.


Can I cancel my escrow account?

No, you are not able to cancel your escrow account so long as you hold sanctioned securities.


How do I access my escrow account?

Escrow accounts will be visible in Client Portal in the same way as all other accounts owned by the clients. You will have read only access to the new escrow account and obtain statements & reports.


Do I earn any interest / dividends on the assets held in escrow?

Yes, any interest or dividends paid by the issuer will be credited to the escrow account. These funds are not transferrable to your non-escrow account as they are also subject to sanctions.


How do assets held in escrow affect my account’s NAV?

Your escrow account is linked to your regular account(s) but its equity is not considered part of the value of your non-escrow account(s), as these securities are subject to sanctions.


How do assets held in escrow affect my margin limits?

All sanctioned securities are non-marginable and cannot be used as collateral to support other positions.


How do I generate statements for the escrow account?

You can generate statements through Client Portal just as you would for your regular account.


Can I generate separate and combined statements for my accounts?

Yes, statements should be generated in the same way you would if you held multiple non-escrow accounts.


Can I write off assets held in escrow from my taxes?

The tax impact of your escrowed assets may vary by your location. Interactive Brokers recommends you consult with a local tax professional to understand the specific tax impacts of these sanctioned securities.


Am I responsible for paying taxes on interest / dividends on assets held in escrow?

As stated above, the tax impact of your escrowed assets may vary by your location. IBKR recommends you consult with a local tax professional to understand the specific tax impacts of these sanctioned securities.


Is my escrow account subject to the same protections as my IBKR brokerage account?

Yes, your assets will remain in the escrow account but have the same protections as your IBKR brokerage account.

Information Regarding IBUK JISA (Junior Individual Savings Account)

1.       What is a Junior ISA and what benefits does it offer your child?
 
Junior ISAs (Individual Savings Accounts), or JISAs, were introduced as a replacement for Child Trust Funds (CTFs). A Junior ISA is a tax-free savings or investment account to save or invest in for your child. There are two types of Junior ISA: a Junior cash ISA that pays interest, and a Junior stocks and shares ISA that lets you invest in “qualifying instruments” such as stocks and shares, funds, etc. The interest on cash accumulates on a tax-free basis, as does income and capital gains made on investments.
 
A Junior stocks and shares ISA is not an investment in its own right. The best way to think of a Junior stocks and shares ISA is as a ‘wrapper’ with which you can shelter your child’s savings and investments from both Income Tax and Capital Gains Tax. The IBUK Junior Stocks and Shares ISA lets you choose from a range of investments to invest in for your child (see below section 12 ‘What can I invest in for my child?’). You can select and manage your child’s IBUK Junior Stocks and Shares ISA yourself or arrange for your financial advisor to do so on your behalf (see below section 9 ‘Can I appoint a financial advisor to manage, on a discretionary basis, my child’s IBUK Junior Stocks and Shares ISA?’).
 
2.       What ISA types are offered at IBUK?
 
Interactive Brokers (U.K.) Limited (IBUK) only offers stocks and shares ISAs (including, Junior Stocks and Shares ISA). IBUK does not offer cash ISAs (including, Junior cash ISA).
 
3.       Who is eligible for a Junior ISA?
 
Your child is eligible for a Junior ISA if they’re under the age of 18, and resident in the UK. You can also open a Junior ISA for your child if you are a crown employee serving overseas.
 
A child cannot hold both a CTF (Child Trust Fund) account and a Junior ISA. This is relevant to anyone under 18 who was born between 1 September 2002, when CTFs were introduced, and 3 January 2011 when they came to an end. If your child holds a CTF account, you cannot open an IBUK Junior ISA since IBUK does not support CTF transfers, other Junior ISA providers may accommodate your Junior ISA request.  
 
4.       How many Junior ISAs can a child have?
 
A child can have no more than one Junior cash ISA and one Junior stocks and shares ISA at any one time (don’t have to be with the same provider). A child cannot hold both a CTF (Child Trust Fund) account and a Junior ISA.  
 
5.       Who can open a Junior ISA and who is the registered contact?
 
You can open a Junior ISA for a child if you’re their parent or legal guardian. The parent or legal guardian opening the account will be the ‘registered contact’, but the money will not be accessible to them and will always belong to the child. The child normally won’t be able to access the money until their 18th birthday, at which point their Junior ISA is converted into an ‘adult’ ISA.
 
As the registered contact for a Junior ISA, you are the only person authorised to make decisions about the management of the account. You’ll also need to keep IBUK informed if the child’s personal details change, e.g., if they change their name, address, contact number, etc.
 
6.       How do I change the registered contact for an IBUK Junior Stocks and Shares ISA?
 
You should use the Interactive Brokers change of registered contact form (via Client Portal) to change the registered contact for an IBUK Junior Stocks and Shares ISA. The existing registered contact must sign this application to authorise this change unless where certain exemptions apply.
 
NB. IBUK will not allow a child to be the Registered Contact upon their 16th birthday, other ISA providers may allow this (i.e., once the child reaches the age of 16, the child can apply to become the Registered Contact).
 
For more information on how to change a registered contact please contact our dedicated ISA Support team who are available 8am to 6pm GMT Monday to Friday, excluding public holidays (see below section 30 ‘What if I have additional questions?’)
 
7.       Who owns the Junior ISA and what happens when the child turns 18?
 
All payments made into a Junior ISA belong to the child (i.e., all payments made into the Junior ISA are a gift to the child and as such cannot be repaid to the subscriber if at a later date the subscriber changes their mind). The parent or guardian who opened the Junior ISA acts as the registered contact, but they can’t access the money once it has been deposited, unless there are exceptional circumstances (see below section 11 ‘Can I make withdrawals from a Junior Stocks and Shares ISA?’). When your child turns 18, the IBUK Junior Stocks and Shares ISA will automatically become an ‘adult’ IBUK Stocks and Shares ISA (i.e., when the child turns 18, account ownership is automatically transferred to them). As an adult, they’ll become the account holder, responsible for managing their account and able to withdraw monies. For more information on how this transfer of control (from the registered contact to the child (upon the child’s 18th birthday)) works, please contact our dedicated ISA Support team who are available 8am to 6pm GMT Monday to Friday, excluding public holidays (see below section 30 ‘What if I have additional questions?’)
 
8.       Can you lose your child’s money paid into a Junior Stocks and Shares ISA?
 
The value of investments your child holds in the IBUK Junior Stocks and Shares ISA and the income received from them can fall as well as rise. As a result, you may get back less than you invested in for your child. Past performance is not an indication of future performance, and some investments need to be held for the long term to achieve a return. The IBUK Junior Stocks and Shares ISA is an execution only service, Interactive Brokers does not provide investment advice. If you need advice about whether an investment is suitable, you need to consult a suitably qualified financial advisor.
 
9.       Can I appoint a financial advisor to manage, on a discretionary basis, my IBUK Junior Stocks and Shares ISA?
 
Yes, you can appoint a financial advisor to manage the IBUK Junior Stocks and Shares ISA on your behalf. Click on the link for additional details:
 
 
10.   Can I trade on margin under the IBUK Junior Stocks and Shares ISA?
 
No. You can only open an IBUK Junior Stocks and Shares ISA under a GBP cash account type. A cash account requires that all transactions are made with available cash or long positions.
 
11.   Can I make withdrawals from a Junior Stocks and Shares ISA?
 
No, unless exceptional circumstances exist. All payments made into the IBUK Junior Stocks and Shares ISA are a gift to the child and so cannot normally be withdrawn until the child turns 18. NB. withdrawals are permitted if the child is terminally ill or has died in accordance with the ISA Regulations.
 
12.   What can I invest in for my child?
 
Under a Junior stocks and shares ISA you can invest in any of the following investments (also known as 'qualifying investments'):
-          Shares;
-          Securities issued by Companies;
-          Recognised UCITS;
-          Depository Receipts, American Depository Receipts and American Depository Shares.
 
13.   What exchanges does IBUK support?

HMRC recognised exchanges supported by IBUK:
Country
Exchange
Australia
The Australian Stock Exchange (and any of its stock exchange subsidiaries)
Austria
Vienna Stock Exchange
Belgium
NYSE Euronext Brussels
Canada
NYSE Euronext Brussels
Montreal Stock Exchange
Toronto Venture Exchange (TSX Venture Exchange)
France
MATIF
MONEP
Germany
Frankfurt Stock Exchange
Stuttgart Stock Exchange
Hong Kong
Hong Kong Stock Exchange
Italy
Italian Stock Exchange (Borsa Italia)
Japan
Tokyo Stock Exchange
Osaka Stock Exchange
Lithuania
NASDAQ OMX Vilnius
Mexico
Mexico Stock Exchange
Poland
Warsaw Stock Exchange
Singapore
Singapore Exchange Limited
South Korea
Korea Exchange
Spain
Spanish Stock Exchange (Bolsa de Valores in Madrid)
Switzerland
Swiss Stock Exchange (SIX Swiss Exchange)
United Kingdom
London Stock Exchange
United States of America
BATs Exchange Inc
Chicago Board Options Exchange
Chicago Stock Exchange
International Securities Exchange
National Stock Exchange
New York Stock Exchange
NYSE ARCA
NASDAQ OMX PHLX
NASDAQ
 
14.   What is the Junior ISA Allowance for 2022/2023 tax year?
 
Tax year runs from 6 April to the following 5 April. Each tax year’s Junior ISA subscription limit is specific to that year and can be checked on the HMRC website. 
 
NB. For each tax year, you can check (via the funding page in Client Portal) how much you have subscribed to your child’s IBUK Junior Stocks and Shares ISA and the maximum amount that you can contribute to your child’s IBUK Junior stocks and shares ISA in that tax year, assuming you have not contributed to another Junior ISA away from Interactive Brokers.
 
For the 2022/23 tax year, the Junior ISA annual subscription limit is £9,000. This is a combined annual limit across both types of Junior ISA: cash, and stocks and shares. The subscription limit can be split in any way between cash, and stocks and shares Junior ISAs each tax year.
 
15.   How do I make subscriptions to my IBUK Junior Stocks and Shares ISA?

You can make one-off payments (wire transfers deposits) as and when you choose, but the combined total of all payments (or subscriptions) must not exceed any given annual tax year allowance (see section 14. What is the 2022/2023 Junior ISA Allowance?).
 
Interactive Brokers accepts wire transfers only, and there is a minimum subscription amount of £1. Your child’s IBUK Junior Stocks and Shares ISA can only have GBP cash.
 
Although other Junior ISA providers might have different terms, only parent or legal guardian can pay into your child’s Junior ISA with IBUK.
 
16.   Does Interactive Brokers have any mechanisms in place to ensure customers do not exceed the Junior ISA allowance for the relevant tax year?
 
Yes. Interactive Brokers has in place internal controls to prevent customers from exceeding the Junior ISA allowance by splitting the customers’ payments (once received by Interactive Brokers) as follows:
  • crediting the allowable subscription to the customer’s IBUK Junior Stocks and Shares ISA; and 
  • crediting the potential over-contribution amount as follows:
    • if you already have other account(s) with IBUK, Interactive Brokers will credit the potential over-contribution amount to such account(s);
    • if you don’t have other account(s) with IBUK, Interactive Brokers will open a new non-ISA cash only (GBP) account on your behalf and credit the potential over-contribution amount to this new and additional account.
In either case, Interactive Brokers will notify you (via a pop-up message in the Client Portal, email and Message Center message) of the above actions and you will always have the possibility of withdrawing the potential over-contribution from your other non-ISA account(s) with IBUK (as described above).
 
Worked example:
Assuming your child has only one type of Junior ISA which is an IBUK Junior Stocks and Shares ISA. The annual Junior ISA allowance for 2022/2023 tax year is GBP 9,000. You initially contribute GBP 8,000.
 
For the same tax year (2022/2023) you then send GBP 2,000 to Interactive Brokers and request such funds to be credited to your child’s IBUK Junior Stocks and Shares ISA.
 
If Interactive Brokers actioned your request and credited the full amount (GBP 2,000) to your child’s IBUK Junior Stocks and Shares ISA, you would have exceeded your child’s Junior ISA allowance for the tax year 2022/2023 by GBP 1,000 (as the maximum you can contribute for the tax year 2022/2023 is GBP 9,000).
 
Instead, to prevent over-contribution, upon receipt of your funds Interactive Brokers will carry out the following actions: 
 
(1) credit your funds (GBP 2,000) to your existing other non-ISA account(s) with IBUK (if you already have one or more accounts).
(2) if you don’t already have an existing other account(s) with IBUK, Interactive Brokers will open a new cash only (GBP) non-ISA account on your behalf and credit your funds (GBP 2,000) to this new and additional account.
(3) Interactive Brokers will then automatically transfer GBP 1,000 from your other non-ISA account with IBUK to your child’s IBUK Junior Stocks and Shares ISA.  
 
17.   What happens if I exceed my child’s Junior ISA allowance?
 
If you have accidentally paid too much into your child’s Junior ISAs your child won’t get any tax relief on the excess payments you’ve made. The Junior ISA allowance is a combined annual limit across both types of Junior ISA: cash, and stocks and shares.
 
18.   What should I do if I exceed my child’s Junior ISA allowance?
 
In the event you oversubscribe to your child’s Junior ISA (in other words your child’s Junior ISA annual allowance was exceeded), you should not attempt to correct the mistake by withdrawing the excess funds from a Junior ISA (including, but not limited to, your IBUK Stocks and Shares ISA). Instead, you should call HMRC’s ISA helpline to explain the situation and inform them about the oversubscription. HMRC will advise you on the next steps.   NB. The Junior ISA allowance for the tax year 2022/2023 is GBP 9,000 (this is a combined limit across both types of Junior ISA: cash, and stocks and shares).
 
19.   What is the annual fee for the IBUK Junior Stocks and Shares ISA?
 
There is no annual Junior ISA fee at IBUK. Other costs and charges apply, see below section 20 for more information.
 
20.   What are the charges for the IBUK Junior Stocks and Shares ISA?
 
£1 per month minimum activity fee.
 
One free withdrawal per month. Thereafter, £7 withdrawal fee is applicable.
 
Click on the link for an overview of our commissions:
 
 
21.   How do I transfer my child’s Junior Stocks and Shares ISA from my current ISA manager to IBUK?
 
You will need to submit a transfer instruction to Interactive Brokers (via the transfer & pay funding page in Client Portal), and if, in IBUK’s discretion IBUK decides to accept the transfer, IBUK will instruct your existing ISA manager to transfer the investments (where IBUK supports such investments) and/or cash into your child’s IBUK Junior Stocks and Shares ISA. Where IBUK does not support all the investments held at your existing ISA Manager, you can either liquidate these investments yourself prior to submitting your transfer instruction to IBUK via Client Portal (any cash proceeds of such liquidation will be transferred into your child’s IBUK Junior Stocks and Shares ISA) or you can instruct IBUK (as part of your transfer instruction via Client Portal) to do so on your behalf. NB. IBUK does not accept the transfer of a Child Trust Fund (CTF) over to a  Junior Stocks and Shares ISA, other Junior ISA providers might support such transfer service.
 
Transfers between an ‘adult’ ISA and Junior ISA are not permitted.
 
22.   How do I transfer a Junior ISA out of IBUK to another provider?
 
Any transfer out request from IBUK must be requested via the transfer & pay funding page in Client Portal.
 
23.   What are the Transfer Charges?
 
Interactive Brokers does not charge for transfers (the transferring ISA manager may charge you for transferring investments or cash proceeds to us).
 
24.   Can I cancel my IBUK Junior Stocks and Shares ISA?

You have a legal right to cancel your child’s IBUK Junior Stocks and Shares ISA if you change your mind but there are time limits on doing so, see below section 25 for more information.
 
25.   How can I cancel my child’s IBUK Junior Stocks and Shares ISA?
 
If you want to cancel your child’s IBUK Junior Stocks and Shares ISA, you must do so within 14 days from the date you receive our email confirming the establishment of your child’s IBUK Junior Stocks and Shares ISA (a cancellation must be requested from the Client Portal).
 
Cancellation rights will also apply to the receipt of transfer payments. You have 14 days from the date you receive our email acknowledging the transfer to exercise your right to cancel (a cancellation must be requested from the Client Portal). NB. If you cancel the transfer of your child’s Junior Stocks and Shares ISA from another ISA manager to IBUK, that ISA manager may not agree to accept the Junior Stocks and Shares ISA back. This may result in that Junior Stocks and Shares ISA being closed, and the tax benefits being lost.
 
26.   How safe is your child’s IBUK Junior Stocks and Shares ISA?

IBUK is authorised and regulated by the Financial Conduct Authority, and is approved by HMRC to act as an ISA manager (including in respect of Junior Stocks and Shares ISA). Your account is held with IBUK’s US affiliate, Interactive Brokers LLC, regulated by the US SEC and CFTC and member of the SIPC (www.sipc.org) compensation scheme.
 
Your child’s IBUK Junior Stocks and Shares ISA will not be covered by the Financial Services Compensation Scheme (FSCS) in the UK. Instead, your eligible assets are protected from loss under the US SIPC at an amount of up to USD 500,000 (subject to a cash sublimit of USD 250,000). As with all securities firms, this coverage protects against the failure of a broker-dealer, not against the loss of market value of securities. You will not get any compensation only because the value of your investments falls.
 
IBUK and Interactive Brokers LLC are part of the Interactive Brokers Group. The Interactive Brokers Group, Inc. is a listed public company trading on U.S. markets under the symbol “IBKR” with a market capitalization of over USD 30 billion, as of Nov 17, 2021. On a consolidated basis, IBG LLC exceeds USD 10 billion in equity capital, over USD 6.2 billion in excess of regulatory requirements. IBG LLC's owners are the public company, Interactive Brokers Group, Inc. and the firm's employees and their affiliates. Client money is segregated in special bank or custody accounts, which are designated for the exclusive benefit of clients of Interactive Brokers. Interactive Broker’s client equity as of Oct 30, 2021 was USD 380.9 billion.
 
27.   How can I file a complaint with IBUK?
 
Customers are actively encouraged to use the WebTicket system for prompt attention.
 
A copy of our Complaints Procedure is available here: https://www.interactivebrokers.com/en/index.php?f=292. You can also direct your ISA specific complaints via email to isa@interactivebrokers.co.uk (Please note that in order to ensure that your complaint is flagged and given the required attention, Interactive Brokers kindly asks you to state "COMPLAINT" in the subject header field of the email).
 
28.   Are Corporate Actions allowed under my child’s IBUK Junior Stocks and Shares ISA?

Allowed to participate but cannot exceed the annual Junior ISA subscription limit. If it were to exceed the subscription limit, the shares should be transferred to a non-ISA account (see above sections 18 ‘What should I do if I exceed my child’s Junior ISA allowance?’ and 16 ‘Does Interactive Brokers have any mechanisms in place to ensure customers do not exceed the Junior ISA allowance for the relevant tax year?’.
 
29. FX Handling and the IBUK Junior Stocks and Shares ISA
 
Interactive Brokers will automatically convert currencies when trading non-GBP denominated securities. To do this, Interactive Brokers will engage in “spot” currency transactions on your behalf in order to settle your buy orders or convert the proceed of a sell order. Interactive Brokers will base the exchange rate off the spot exchange rate at the time of trade 0.03% fee.
 
The below example illustrates the cost in GBP of a $1,000 USD Trade
 
Example GBP/USD Spot Rate: 1.3432/1.3433
 
Order Type FX Conversion Rate inc 0.03% fee Cost of $1000 USD Trade
Buy 1.3430 £744.61
Sell 1.3435 £744.31
 
30. What if I have additional questions?

Our customer services team are on hand to help via phone or email. If you have any questions about your IBUK Stocks and Shares ISA, please contact our dedicated ISA Support team who are available 8am to 6pm GMT Monday to Friday, excluding public holidays.  
 

 

FAQs: IBLUX Migration zu IBCE eingeschränkte Konten

Background: 

Wie bereits erklärt, stellt Interactive Brokers Luxemburg SARL («IBLUX») das Brokerangebot für Investoren und die regulären Operationen ein. Im Juni 2021 haben wir die existierenden Kunden von IBLUX eingeladen das Konto zu einer anderen Interactive Brokers Körperschaft oder das Konto zu einer anderen Bank oder einem anderen Broker ausserhalb der Interactive Brokers Familie zu transferieren. Trotz wiederholter Erinnerungsnachrichten haben Sie die benötigten Schritte für einen Transfer der Vermögenswerte in Ihrem IBLUX Konto nicht befolgt. Deswegen transferieren wir Ihr Konto zu unserer Tochtergesellschaft, Interactive Brokers Central Europe Zrt. («IBCE») («Transfer»), wo Ihre Vermögenswerte in sicherer Verwahrung bleiben, bis wir Transferinstruktionen von Ihnen erhalten. Dieses FAQ erklärt Ihnen wichtige Informationspunkte in Bezug auf diesen Transfer und decken zentrale rechtliche und regulatorische Themen ab, welche durch den Transfer entstehen.

1.      Was bedeutet dieser Transfer für mich? Welche Geschäftsbedingungen werden nach dem Transfer zu IBCE gelten?

 

Nach dem Transfer wird IBCE für die sichere Verwahrung Ihrer Vermögenswerte zuständig sein. Die IBCE Geschäftsbedingungen [https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=4500] («GBR») werden für Ihr Konto und die Vermögenswerte gelten, während sie in treuhänderischer Verwahrung bei IBCE in dieser limitierten Kapazität liegen. Sie werden keine Möglichkeit haben, diese zu handeln oder andere finanziellen Entscheidungen in Ihrem Konto zu treffen, und IBCE wird Ihnen keinen Investmentservice anbieten, bis Sie explizit der GBR zustimmen und die Kundenvereinbarung unterzeichnen. IBCE wird Ihnen nach dem Transfer eine Email mit den benötigten Schritten für die Sicherung Ihrer Logindetails für den Zugriff auf Ihr Konto bei IBCE zusenden.

 

2.      Was muss ich tun, falls ich weiterhin mit Interactive Brokers arbeiten möchte?

 

Falls Sie weiterhin mit Interactive Brokers arbeiten möchten, benötigen wir Ihre Kooperation und Aktion, damit IBCE Ihnen Investmentservice anbieten kann. Spezifisch müssen Sie ein neues Konto bei IBCE eröffnen und explizit den GBR zustimmen und die Kundenvereinbarung sowie jedes andere benötigte Dokument unterzeichnen.

 

Falls Sie nicht mehr mit Interactive Brokers arbeiten möchten, können Sie IBCE instruieren Ihre Vermögenswerte an andere Broker oder Banken zu transferieren und IBCE wird Ihren Instruktionen vorbehaltlich geltender Gesetze und IB’s Standardprozeduren befolgen.

 

3.      Wie werden meine Vermögenswerte bei IBCE verwahrt?

 

Bis Sie den GBR und der Kundenvereinbarung zustimmen und akzeptieren und ein neues IBCE Konto aufmachen, wird IBCE Ihnen einen limitierten Verwahrungsservice anbieten:

 

·        für jegliche Barmittelbalancen, die zu IBCE transferiert werden, haben Sie das Anrecht auf den Betrag Ihrer Barmittelbalancen in der Basiswährung Ihres Kontos am Tag des Transfers zu IBCE und IBCE wird weder Ihre Barmittelbalancen zu einer anderen Währung konvertieren noch Habenszinsen auf die Barmittel, die bei IBCE unter Verwahrung liegen, an Sie auszahlen.

 

·        Für jegliche Finanzinstrumente, die zu IBCE transferiert werden, haben Sie das Anrecht auf diese Finanzinstrumente und IBCE wird keinen Investmentservice in Bezug auf diese Finanzinstrumente geben, während dieser unter IBCE’s Verwahrung stehen. Als Beispiel wird IBCE keine Massnahmen ergreifen, die einen Verlust bei Marktbewegungen mildern. Jedoch wird im Falle eines Margindefizits in Ihrem Konto IBCE angemessen Massnahmen einleiten und Positionen liquidieren, ohne einen Margincall an Sie zu verschicken, um Ihr Konto in Vereinbarung mit den Marginanforderungen zu bringen. Mehr Informationen finden Sie im FAQ 10.

 

Falls Sie ein IBCE Konto eröffnen, gelten für die Beziehung mit IBCE die Ungarischen Verwahrungsregeln vollumfänglich. Ähnlich wie die Luxemburgischen Verwahrungsregeln basieren die Ungarischen Verhaltensregeln für Unternehmen auf der Neufassung der Richtlinie über Finanzinstrumentmärkte, der Märkte der Finanzregulierung und verschiedenen delegierten Direktiven und Regulationen (kollektiv, «MiFID»).

 

4.      Bin ich gegen Verlust versichert?

Der Ungarische Investorenschutzfond anhand des Akts CXX von 2001 auf den Kapitalmarkt kann Ihre Vermögenswerte vor Verlust schützen, bis zu einem Betrag von maximal EUR 100'000, sollte IBCE ausfallen und unfähig sein, seine Obligationen an Sie zu erfüllen. Um anspruchsberechtigt für diesen Fond zu sein, müssen Sie eine vertragliche Beziehung mit IBCE haben.

Die vom Fond gegebene Kompensation deckt Inanspruchnahmen von offenen Kontrakten, die in der Vereinbarung mit IBCE über Brokeraktivität, Sicherheitenverwahrung, Sicherheitenkontoverwaltung und Kundenkontenverwaltungsaktivität, welche von IBCE durchgeführt wird, ab.

Ungarns Kompensationssystem ist vergleichbar mit dem Kompensationssystem, zu welchem Sie in Luxemburg Zugriff hatten. Der Sinn des Fonds ist Kompensationen an Sie in folgenden Fällen zu zahlen:

·     Die Zentralbank von Ungarn eröffnet ein Liquidationsverfahren gegen IBCE; oder

·     Ein Gericht verfügt die Liquidation von IBCE.

 

IBCE ist ein Mitglied des Fonds (Bitte schauen Sie sich dazuhttps://bva.hu/en/ipf/ipf-members/an). 

Falls Sie berechtigt sind, können Sie ausschliesslich einen Antrag für Kompensation stellen, sofern eine Firma geschlossen und die Vermögenswerte liquidiert und an diejenigen verteilt wurden, denen Geld geschuldet wird. Bitte schauen Sie sich die Details des Systems für geltende Limiten an - nicht alle Verluste werden gedeckt, da es maximale Kompensationsebenen gibt. Der Fond wird Ihnen Kompensationen für den Verlustwert bis zu einem Maximum von EUR 100'000 auszahlen.

Der Betrag, der vom Fond gezahlt wird ist:

·     100% bis zu einem Limit von EUR Equivalenzwert von 1 Million Forint (EUR 2'805 am 5. September 2021).

·     Über 1 Million Forint: 1 Million Forint und 90% des Teils über 1 Million Forint bis zu einem Maximum von EUR 100'000.

 

5.      Wie kann ich eine Beschwerde bei IBCE einreichen. Falls sich meine Beschwerde auf etwas bezieht, was während der Zeit als Kunde von IBLUX passiert ist, an wen kann ich mich wenden?

 

Das GBR zeigt auf, wie Sie eine Beschwerde bei IBCE einreichen können. Die IBCE Protokolle zur Bearbeitung von Beschwerden ist materiell ähnlich zu denen, welche für Ihre Beziehung zu IBLUX gültig sind, aber der Umfang der Reklamationsbestimmungen ist sehr viel enger, da der Service, der Ihnen angeboten wird, sich auf das treuhänderische Verwahren Ihres Vermögens begrenzt, bis Sie Transferinstruktionen übermitteln oder ein vollwertiger IBCE Kunde werden.

 

Falls der Inhalt der Beschwerde sich auf etwas vor dem Transfer bezieht, sollten Sie die Beschwerde bei IBLUX einreichen.

 

6.      Kann ich nach dem Transfer weiterhin bei der CSSF eine Beschwerde einreichen?

Im Falle einer Beschwerde sollten Investoren weiterhin der Beschwerdeprozedur der IBLUX Kundenvereinbarung folgen. Sobald der Transfer stattgefunden hat, verliert die CSSF Ihre Zuständigkeit über jegliche Beschwerden in Bezug auf IBLUX. Bitte beachten Sie jedoch, dass Ungarn ein Streitbeilegungssystem, welche von der Zentralbank Ungarn in Form einer finanziellen Schlichtungsstelle («FAB») anbietet. Das FAB ist ein kostenloses und unabhängiges gesetzliches Streitbeilegungssystem für Finanzdienstleistungen. Sie können berechtigt sein eine Beschwerde bei der FAB einzureichen, falls Sie ein Privatkunde sind. Details über die FAB können hier angeschaut werden https://www.mnb.hu/en/hungarian-financial-arbitration-board

Die FAB kann wie folgt kontaktiert werden: 

 

Postadresse:

Financial Arbitration Board

1525 Budapest

Pf. 172

 

Email

ugyfelszolgalat@mnb.hu

 

7.      Wie werden meine persönlichen Daten prozessiert und geschützt? Gibt es materielle Unterschiede zwischen meiner Beziehung zu IBCE im Vergleich zu der existierenden Beziehung zu IBLUX?

 

Ihre Daten werden prozessiert und geschützt wie in den Interactive Brokers Group Datenschutzbestimmungen beschrieben. Sie finden die Vereinbarung unter:https://www.interactivebrokers.com/en/index.php?f=305. Es gibt keine materiellen Veränderungen.

 

 

8.      Wird das Leistungsangebot das Gleiche bleiben?

 

Nein, dieses Konto ist ausschliesslich für die sichere Verwahrung Ihres Vermögens erstellt worden, während wir auf Ihre Instruktionen für den Transfer aus diesem Konto oder Ihre Entscheidung, ein vollwertiger IBCE Kunde zu werden, warten. Deshalb ist unser Service auf das Halten des Vermögens und wo nötig, durch Handelsaktivität die Sicherstellung der benötigten Marginanforderungen zu erfüllen, limitiert.

 

9.      Haben Sie einige oder alle Positionen meines Kontos liquidiert um den Transfer zu vereinfachen?

 

Wie bereits vorher beschrieben, haben wir in vielen Fällen einige oder alle Positionen im Kundenkonto zurück zur Basiswährung des Kontos liquidiert um den Transfer zu IBCE zu vereinfachen. Wo Positionen verbleiben, zeigt Ihnen FAQ 10-11 wie diese zu IBCE transferiert und verwahrt werden.

 

10.  Ich habe ein Marginkonto. Sind die Marginbedingungen meines Kontos anders nach dem Transfer zu IBCE?

 

Nein. Ihre Obligationen und Verantwortungen in Verbindung mit Ihrem Marginkonto und dem Handel auf Margin bleiben die gleichen nachdem Transfer wie bei IBLUX. Jedoch können Sie nicht mehr frei mit Ihrem Konto operieren, einschliesslich der Eröffnung von neuen Positionen, ausser Sie werden vollwertiger Kunde von IBCE.

 

Bitte lesen Sie die Bestimmungen in Bezug auf Margin in der IBCE Kundenvereinbarung [https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=4501], da diese für Ihr Konto und Ihr Vermögen während der Verwahrung bei IBCE gelten werden.

 

11.  Was passiert mit Sicherheiten, die ich IBLUX im Rahmen eines Margindarlehens gewährt habe?

 

Falls Sie Sicherheiten an IBLUX gewährt haben, wird dies auf IBCE mit dem Transfer übertragen.

 

12.  Werden alle Kontobalancen zur gleichen Zeit übertragen und was ist der Zeitplan?

 

IBCE unterstützt eine limitierte Anzahl von Einzahlungswährungen. Die folgenden 10 Barmittel Einzahlungswährungen, die «erlaubten Einzahlungswährungen» sind: EUR, USD, GBP, CHF, DKK, NOK, SEK, HUF, CZK und PLN

 

Wo nötig, um den Transfer zu vereinfachen, werden wir positive Barmittelbalancen in anderen Währungen vor dem Transfer in eine der erlaubten Einzahlungswährungen konvertieren.

 

Im Einklang mit den Regeln zum Schutz von Kundenvermögen in Ungarn müssen Kundenvermögen in gleicher Form geschützt werden, wie sie vom Broker erhalten wurden. Dies steht im Gegensatz zu Ihrem vorherigen Broker IBLUX, dessen regulatorische Kundenvermögensregeln ermöglichten, Ihre Gelder im Gegenwert in einer anderen Währung zu schützen. Negative Währungsbalance sind nicht betroffen.

 

Alle Barmittelbalancen werden zur gleichen Zeit transferiert und Ihr momentanes IBLUX Konto wird geschlossen und nicht mehr für Handelsaktivitäten verfügbar sein. Sie werden weiterhin in der Lage sein dieses geschlossene Konto im Kundenportal anzuwählen, um sich Kontoauszüge anzuschauen oder zu drucken.

 

13.  Werden IBKRs Provisionen und Gebühren mit der Migration geändert? 

 

IBKRs Provisionen und Gebühren variieren nicht zwischen den Brokern bei denen Ihr Konto liegt.

 

Während Ihr Vermögen bei IBCE in treuhänderischer Verwahrung ist, bis Sie entweder Ihr Vermögen zu einem anderen Broker oder einer anderen Bank transferieren oder ein neues Konto mit IBCE eröffnen, wird IBCE jedoch eine monatliche Gebühr für das Halten Ihres Kontos in Höhe von 100 EUR einziehen. Diese monatliche Gebühr kann zu jedem Zeitpunkt nach alleinigem Ermessen von IBCE über eine Nachricht an Sie verändert werden. Die Nachricht kann via Email oder auf IBCE’s Webseite erscheinen.

 

Zusätzlich wird IBCE keine Zinszahlungen an Sie durchführen aber Zinsbelastungen mit Zinsraten und auf Soll- oder Habenguthaben, wie auf der IBCE Webseite angegeben, von Ihrem Konto abbuchen. IBCE wird ebenfalls eine Währungsbearbeitungsgebühr für Währungsbalancen in Währungen, die negative Zinsraten aufweisen, belasten.

 

Bitte beachten Sie: Falls die Währungsbalancen auf Ihrem Konto nicht ausreichen um diese Gebühren zu decken, kann IBCE Vermögenspositionen in der gleichen Weise wie IBLUX vor dem Transfer liquidieren.

 

14.  Ich habe andere Fragen in Bezug auf Veränderungen mit dem Transfer? 

 

Falls Sie weitere Fragen haben, kontaktieren Sie bitte den IBKR Kundenservice.

 

FAQs: IBLUX Migration zu IBIE eingeschränkte Konten

Background: 

Wie bereits erklärt, stellt Interactive Brokers Luxemburg SARL («IBLUX») das Brokerangebot für Investoren und die regulären Operationen ein. Im Juni 2021 haben wir die existierenden Kunden von IBLUX eingeladen das Konto zu einer anderen Interactive Brokers Körperschaft oder das Konto zu einer anderen Bank oder einem anderen Broker ausserhalb der Interactive Brokers Familie zu transferieren. Trotz wiederholter Erinnerungsnachrichten haben Sie die benötigten Schritte für einen Transfer der Vermögenswerte in Ihrem IBLUX Konto nicht befolgt. Deswegen transferieren wir Ihr Konto zu unserer Tochtergesellschaft, Interactive Brokers Ireland Limited ("IBIE") ("Transfer") wo Ihre Vermögenswerte in sicherer Verwahrung bleiben, bis wir Transferinstruktionen von Ihnen erhalten. Dieses FAQ erklärt Ihnen wichtige Informationspunkte in Bezug auf diesen Transfer und decken zentrale rechtliche und regulatorische Themen ab, welche durch den Transfer entstehen.

1.      What does the Transfer mean for me? Was bedeutet dieser Transfer für mich? Welche Geschäftsbedingungen werden nach dem Transfer zu IBIE gelten?

 

Nach dem Transfer wird IBIE für die sichere Verwahrung Ihrer Vermögenswerte zuständig sein. Die folgenden Bedingungen ("Kontobedinungen") werden für Ihr Konto und die Vermögenswerte gelten, während sie in treuhänderischer Verwahrung bei IBIE in dieser limitierten Kapazität liegen. Sie werden keine Möglichkeit haben, diese zu handeln oder andere finanziellen Entscheidungen in Ihrem Konto zu treffen, und IBIE wird Ihnen keinen Investmentservice anbieten, bis Sie explizit der IBIE Kundenvereinbarung zustimmen und alle nötigen Schritte für eine Eröffnung eines IBIE Kontos vollziehen. IBIE wird Ihnen nach dem Transfer eine Email mit den benötigten Schritten für die Sicherung Ihrer Logindetails für den Zugriff auf Ihr Konto bei IBIE zusenden.

 

2.      Was muss ich tun, falls ich weiterhin mit Interactive Brokers arbeiten möchte?

 

Falls Sie weiterhin mit Interactive Brokers arbeiten möchten, benötigen wir Ihre Kooperation und Aktion, damit IBIE Ihnen Investmentservice anbieten kann. Spezifisch müssen Sie ein neues Konto bei IBIE eröffnen und explizit der Kundenvereinbarung zustimmen sowie jedes andere benötigte Dokument oderjegliche andere benötigte Information zur Verfügung stellen.

 

Falls Sie nicht mehr mit Interactive Brokers arbeiten möchten, können Sie IBIE instruieren, Ihre Vermögenswerte an andere Broker oder Banken zu transferieren, und IBIE wird Ihren Instruktionen vorbehaltlich geltender Gesetze und IB’s Standardprozeduren befolgen.

 

3.      Wie werden meine Vermögenswerte bei IBIE verwahrt?

 

Bis Sie der Kundenvereinbarung zustimmen und akzeptieren und ein neues IBIE Konto aufmachen, wird IBIE Ihnen einen limitierten Verwahrungsservice anbieten:

 

·         für jegliche Barmittelbalancen, die zu IBIE transferiert werden, haben Sie das Anrecht auf den Betrag Ihrer Barmittelbalancen in der Basiswährung Ihres Kontos am Tag des Transfers zu IBIE und IBIE wird weder Ihre Barmittelbalancen zu einer anderen Währung konvertieren noch Zinsen auf die Barmittel, die bei IBIE unter Verwahrung liegen, an Sie auszahlen. 

 

·         Für jegliche Finanzinstrumente, die zu IBIE transferiert werden, haben Sie das Anrecht auf diese Finanzinstrumente und IBIE wird keinen Investmentservice in Bezug auf diese Finanzinstrumente geben, während dieser unter IBIE’s Verwahrung stehen. Als Beispiel wird IBIE keine Massnahmen ergreifen, die einen Verlust bei Marktbewegungen mildern. Jedoch wird im Falle eines Margindefizits in Ihrem Konto IBIE angemesse Massnahmen einleiten und Positionen liquidieren, ohne einen Margincall an Sie zu verschicken, um Ihr Konto in Vereinbarung mit den Marginanforderungen zu bringen. Diese Marginanforderungen können sich ändern. Mehr Informationen finden Sie im FAQ 10.

 

Falls Sie ein IBIE Konto eröffnen, gelten für die Beziehung mit IBIE die Irischen Verwahrungsregeln vollumfänglich. Weitere Informationen werden im IBIE Kundenvermögen Schlüsselinformationendokument angegeben. Ähnlich wie die Luxemburgischen Verwahrungsregeln basieren die Irischen Verhaltensregeln für Unternehmen auf der Neufassung der Richtlinie über Finanzinstrumentmärkte, der Märkte der Finanzregulierung und verschiedenen delegierten Direktiven und Regulationen (kollektiv, «MiFID»).

 

4.      Bin ich gegen Verlust versichert? Gibt es materielle Unterschiede zwischen meiner Beziehung zu IBIE im Vergleich zu der existierenden Beziehung zu IBLUX?

 

Nach dem Transfer kann das Irland Investoren Kompensationssystem Ihre Vermögenswerte vor Verlust schützen.Irlands Kompensationsystem ist vergleichbar mit den Kompensationssystem, zu welchem Sie in Luxemburg Zugriff haben. Der Sinn des Irischen Investoren Kompensationssystem ist Kompensationen (mit bestimmten Limiten) zu zahlen, falls Sie Geld oder in Investmentinstrumente in einem der folgenden Fälle investiert haben:

 

·         Eine Firma geht pleite und kann Ihre Investitionen oder Gelder nicht zurückzahlen, und

 

·         Eine Zentralbank von Irland Bestimmung oder ein Gerichtsentscheid wurde unter dem Investoren Akt 1998 getroffen.

 

Die Investoren Kompensationsfirma DAC (ICCL) verwaltet dieses System. IBIE wird ein Mitglied dieses Systems.

 

Das System deckt Investmentprodukte einschliesslich:

 

- Öffentliche und private Firmenaktien

- Einheiten in kollektiven Kapitalanlagen

- Lebensversicherungspolicen (einschliesslich «Unit-linked» Fonds)

- Sachversicherungspolicen

- Tracker Anleihen

- Futures und Optionen

 

Normalerweise können Sie ausschliesslich einen Antrag für Kompensation stellen, sofern eine Firma geschlossen und die Vermögenswerte liquidiert und an diejenigen verteilt wurde, denen Geld geschuldet wird. Bitte schauen Sie sich die Details des Systems für geltende Grenzen an - nicht alle Verluste werden gedeckt, da es maximale Kompensationsebenen gibt. Die ICCL bezahlt eine Kompensation von 90% des Betrags, den Sie verloren haben, bis zu einem Maximalbetrag von EUR 20'000.

 

5.      Wie kann ich eine Beschwerde bei IBIE einreichen. Falls sich meine Beschwerde auf etwas bezieht, was während der Zeit als Kunde von IBLUX passiert ist, an wen kann ich mich wenden?

 

Die IBIE Protokolle zur Bearbeitung von Beschwerden ist materiell ähnlich zu denen, welche für Ihre Beziehung zu IBLUX gültig sind, aber der Umfang der Reklamationsbestimmungen ist sehr viel enger, da der Service, der Ihnen angeboten wird, sich auf das treuhänderische Verwahren Ihres Vermögens begrenzt, bis Sie Transferinstruktionen übermitteln oder ein voller IBIE Kunde werden. Alle formalen Beschwerden sollten über folgende Medien erfolgen: (i) via Webticket im Kundenportal auf der IBIE Webseite; (ii) via Brief an Beschwerdebearbeitung, Rechtsabteilung, IBIE Dublin Landings, North Wall Quay, North Dock, Dublin 1, Ireland; oder (iii) via Email an complaints@interactivebrokers.ie.

 

Falls der Inhalt der Beschwerde sich auf etwas vor dem Transfer bezieht, sollten Sie die Beschwerde bei IBLUX einreichen.

 

6.      Kann ich nach dem Transfer weiterhin bei der CSSF eine Beschwerde einreichen?

 

Im Falle einer Beschwerde sollten Investoren weiterhin der Beschwerdeprozedur der IBLUX Kundenvereinbarung folgen. Sobald der Transfer stattgefunden hat, verliert die CSSF Ihre Zuständigkeit über jegliche Beschwerden in Bezug auf IBLUX. Bitte beachten Sie jedoch, dass Irland ein Streitbeilegungssystem in Form eines Finanzservice und Pensionen Ombudsmann ("FSPO"). anbietet. Der FSPO ist ein kostenloses und unabhängiges gesetzliches Streitbeilegungssystem für Finanzdienstleistungen. Sie können berechtigt sein eine Beschwerde beim FSPO einzureichen, falls Sie ein «berechtigter Beschwerdeführer» sind. Details zur Definition eines «berechtigten Beschwerdeführers» finden Sie auf www.fspo.ie. Der FSPO kann wie folgt kontaktiert werden:

 

Postadresse

Financial Services and Pensions Ombudsman

Lincoln House,

Lincoln Place

Dublin 2

D02 VH29

 

Telefon

+353 (0)1 567 7000

 

Email

Info@fspo.ie

 

7.      Wie werden meine persönlichen Daten prozessiert und geschützt? Gibt es materielle Unterschiede zwischen meiner Beziehung zu IBIE im Vergleich zu der existierenden Beziehung zu IBLUX?

 

Ihre Daten werden prozessiert und geschützt wie in den Interactive Brokers Group Datenschutzbestimmungen beschrieben. Sie finden die Vereinbarung unter: https://www.interactivebrokers.com/en/index.php?f=305. Es gibt keine materiellen Veränderungen.

 

8.      Wird das Leistungsangebot das Gleiche bleiben?

 

Nein, dieses Konto ist ausschliesslich für die sichere Verwahrung Ihres Vermögens erstellt worden, während wir auf Ihre Instruktionen für den Transfer aus diesem Konto oder Ihre Entscheidung, ein vollwertiger IBIE Kunde zu werden, warten. Deshalb ist unser Service auf das Halten des Vermögens und wo nötig, durch Handelsaktivität die Sicherstellung der benötigten Marginanforderungen zu erfüllen, limitiert.

 

9.      Haben Sie einige oder alle Positionen meines Kontos liquidiert um den Transfer zu vereinfachen?

 

Wie bereits vorher beschrieben, haben wir in vielen Fällen einige oder alle Positionen im Kundenkonto zurück zur Basiswährung des Kontos liquidiert um den Transfer zu IBIE zu vereinfachen. Wo Positionen verbleiben, zeigt Ihnen FAQ 10-11 wie diese zu IBIE transferiert und verwahrt werden.

 

10.  Ich habe ein Marginkonto. Sind die Marginbedingungen meines Kontos anders nach dem Transfer zu IBIE?

 

Nein. Ihre Obligationen und Verantwortungen in Verbindung mit Ihrem Marginkonto und dem Handel auf Margin bleiben die gleichen nach dem Transfer wie bei IBLUX. Jedoch können Sie nicht mehr frei mit Ihrem Konto operieren, einschliesslich der Eröffnung von neuen Positionen, ausser Sie werden vollwertiger Kunde von IBIE. Bitte lesen Sie die Kontovereinbarung für mehr Informationen.

 

11.  Was passiert mit Sicherheiten, die ich IBLUX im Rahmen eines Margindarlehens gewährt habe?

 

Falls Sie Sicherheiten an IBLUX gewährt haben, wird dies auf IBIE mit dem Transfer übertragen.

 

12.  Werden alle Kontobalancen zur gleichen Zeit übertragen und was ist der Zeitplan?

 

Alle Barmittelbalancen werden zur gleichen Zeit transferiert und Ihr IBLUX Konto wird geschlossen und nicht mehr für Handelsaktivitäten verfügbar sein. Sie werden weiterhin in der Lage sein dieses geschlossene Konto im Kundenportal anzuwählen um sich Kontoauszüge anzuschauen oder zu drucken.

 

13.  Werden IBKRs Provisionen und Gebühren mit der Migration geändert? 

 

IBKRs Provisionen und Gebühren variieren nicht zwischen den Brokern bei denen Ihr Konto liegt.

 

Während Ihr Vermögen bei IBIE in treuhänderischer Verwahrung ist, bis Sie entweder Ihr Vermögen zu einem anderen Broker oder einer anderen Bank transferieren oder ein neues Konto mit IBIE eröffnen, wird IBIE jedoch eine monatliche Gebühr für das Halten Ihres Kontos in Höhe von 100 EUR einziehen. Diese monatliche Gebühr kann zu jedem Zeitpunkt nach alleinigem Ermessen von IBIE über eine Nachricht an Sie verändert werden. Die Nachricht kann via Email oder auf IBIE’s Webseite erscheinen.

 

Zusätzlich wird IBIE keine Zinszahlungen an Sie durchführen aber Zinsbelastungen mit Zinsraten und auf Soll- oder Habenguthaben, wie auf der IBIE Webseite angegeben, von Ihrem Konto abbuchen.

 

Bitte beachten Sie: Falls die Währungsbalancen auf Ihrem Konto nicht ausreichen um diese Gebühren zu decken, kann IBIE Vermögenspositionen in der gleichen Weise wie IBLUX vor dem Transfer liquidieren.

 

14.  Ich habe andere Fragen in Bezug auf Veränderungen mit dem Transfer? 

 

Falls Sie weitere Fragen haben, kontaktieren Sie bitte den IBKR Kundenservice.

 

FAQs: IBLUX Migration to IBIE Restricted Account

Background: 

As previously explained, Interactive Brokers Luxembourg SARL ("IBLUX") will no longer provide brokerage services to investors and is ceasing regular operations. In June 2021, we invited IBLUX’s existing clients to transfer their account to another Interactive Brokers entity or to otherwise move their account to a bank or a broker outside of the Interactive Brokers family. Despite being reminded repeatedly, you did not to take the actions required to move the assets held in your IBLUX account. As such we are transferring your account to our affiliate, Interactive Brokers Ireland Limited ("IBIE") ("Transfer") where your assets will remain in safe custody until we receive transfer instructions from you. These FAQs provide important factual, legal and regulatory information regarding the Transfer.

1.      What does the Transfer mean for me? What terms and conditions will govern my relationship with IBIE following the Transfer?

 

Following the Transfer, IBIE will be responsible for ensuring the safe custody of your assets and the following terms ("Account Terms") will govern your account and assets. You will not be able to place trades or make other financial decisions on your account and IBIE will not provide any investment services to you unless you sign the IBIE Customer Agreement and complete any other open steps needed to open an IBIE account. IBIE will send you an email following the Transfer with the steps to take to secure your login credentials to access your account at IBIE.

 

2.      What do I have to do if I want to continue doing business with Interactive Brokers?

 

If you want to continue doing business with Interactive Brokers, we require your cooperation and action in order for IBIE to provide you investment services. Specifically, we need you to open a new account with IBIE, agree to and sign the Customer Agreement and any other required documents and provide any additional documents or information requested.

 

If you do not want to continue doing business with Interactive Brokers, you may instruct IBIE to transfer your assets to another broker or bank, and IBIE will comply with your instructions subject to applicable laws and IB's standard procedures.

 

3.      How will my assets be custodied with IBIE?

 

Until you agree to and accept the Customer Agreement and open a brokerage account with IBIE, IBIE will provide custody services in limited scope:

 

·         for any cash balance transferred to IBIE, you will be entitled to the amount of the cash balance in your account base currency on the date it is transferred to IBIE and IBIE will not convert your cash balance to another currency or pay any interest on cash that it holds in custody for you. 

 

·         for any financial instruments transferred to IBIE, you will be entitled to those financial instruments and IBIE will not provide any investment services in relation to your financial instruments while they are in IBIE’s custody. For example, IBIE will not take any measures to mitigate losses resulting from market movements. However, in the event your account has insufficient margin, IBIE will take appropriate measures and liquidate positions, without issuing a margin call to you, to bring your account in compliance with margin requirements which are subject to change. More information is provided in FAQ 10.

 

If you open an IBIE account, Irish custody rules will fully apply to your relationship with IBIE. Further information is provided in the IBIE Client Assets Key Information Document. Like the Luxembourg custody rules, the Irish conduct of business rules are based on the recast Markets in Financial Instruments Directive, the Markets in Financial Regulation and various delegated directives and regulations (collectively, "MiFID").

 

4.      Am I protected against loss? Are there any material differences that will apply to my relationship with IBIE compared to those that apply to my existing relationship with IBLUX?

 

After the Transfer, the Ireland Investor Compensation Scheme may apply to your account. Ireland’s compensation scheme is similar to the compensation scheme you have access to in Luxembourg. The purpose of the Irish Investor Compensation Scheme is to pay compensation to you (subject to certain limits) if you have invested money or investment instruments in either of the following cases:

 

·         A firm goes out of business and cannot return your investments or money; and

 

·         A Central Bank of Ireland determination or a court ruling has been made under the Investor Compensation Act 1998.

 

The Investor Compensation Company DAC (ICCL) administers the scheme. IBIE will be a member of the scheme.

 

The scheme covers investment products including:

 

- Public and private company shares

- Units in collective investment schemes

- Life insurance policies (including unit-linked funds)

- Non-life insurance policies

- Tracker bonds

- Futures and options

 

Usually, you can only make a claim after a firm goes out of business and its assets have been liquidated and distributed to those who are owed money. Please check the details of the schemes for any limits that apply – not all losses will be covered as there are maximum levels of compensation.  The ICCL will pay you compensation for 90% of the amount you have lost, up to a maximum of €20,000.

 

5.      How do I make a complaint to IBIE?  What if my complaint relates to something that happened while I was a customer of IBLUX?

 

The IBIE complaints handling procedures are materially similar to those that apply to your existing relationship with IBLUX, but the scope of the complaint provisions is much narrower as the services provided to you are limited to IBIE's holding your assets in safe custody until you submit transfer instructions or become a full IBIE client. All formal complaints should be made using one of the following means: (i) by WebTicket in Account Management on the IBIE website; (ii) by letter to Complaints Handling, Compliance Department, IBIE Dublin Landings, North Wall Quay, North Dock, Dublin 1, Ireland; or (iii) by email to complaints@interactivebrokers.ie.

 

If the substance of your complaint relates to something that happened prior to the Transfer, then you should address your complaint to IBLUX. 

 

6.      After the Transfer, will I still have access to the CSSF to file a complaint?

 

In case of a complaint, investors should follow the complaints procedure as referred to in the IBLUX Customer Agreement. Once the Transfer has taken place, the CSSF will cease to have jurisdiction over any complaints that you may have in respect of IBLUX. However, please be aware that Ireland has a dispute resolution scheme in the form of the Financial Services and Pensions Ombudsman ("FSPO"). The FSPO is a free and independent statutory dispute resolution scheme for financial services. You may be eligible to make a complaint to the FSPO if you are an "eligible complainant". Details of who are “eligible complainants” can be found on www.fspo.ie. The FSPO can be contacted at:

 

Postal Address

Financial Services and Pensions Ombudsman

Lincoln House,

Lincoln Place

Dublin 2

D02 VH29

 

Telephone

+353 (0)1 567 7000

 

Email

Info@fspo.ie

 

7.      How will my personal data be processed and protected? Are there any material differences that will apply to my relationship with IBIE compared to those that apply to my existing relationship with IBLUX in this context?

 

Your data will be processed and protected in accordance with the Interactive Brokers Group Privacy Policy which can be found at: https://www.interactivebrokers.com/en/index.php?f=305. There will be no material change.

 

8.      Will the range of services be the same?

 

No. This account has been created solely for the safe custody of your assets while we wait for you to instruct us on where to transfer your assets or elect to become a full IBIE client. As a result, our services are limited to holding your assets and where relevant taking action to ensure you meet applicable margin requirements.

 

9.      Did you liquidate some or all the positions in my account to facilitate the Transfer?

 

As we previously wrote to you explaining, in many cases we liquidated positions in client accounts, back to the account’s base currency, to facilitate that Transfer to IBIE. Where positions remain, FAQs 10-11 address how they will be transferred and custodied at IBIE.

 

10.  I have a margin account. Are the margin terms governing my account different following the Transfer to IBIE?

 

No. Your obligations and responsibilities in connection with your margin account and trading on margin remain following the Transfer as they were at IBLUX. However, you are not able to freely operate the account, including opening of new positions, unless you become a full IBIE client. Please review the Account Terms for more information.

 

11.  What happens to any security I have granted to IBLUX as part of a margin loan?

 

If you have granted security or collateral to IBLUX this will transfer to IBIE upon the Transfer taking place.

 

12.  Will all account balances be transferred at the same time and what is the timing?

 

All cash balances will be transferred at the same time, and your current account at IBLUX will be closed and inaccessible for trading purposes. You will still be able to access this closed account via the Client Portal for purposes of viewing and printing historical statements.

 

13.  Will IBKR’s commissions and fees change when my account is migrated? 

 

IBKR commissions and fees do not vary by the broker your account is maintained with.

 

However, while your assets are held in safe custody at IBIE until you either transfer your assets to another financial institution or to a new account with IBIE, IBIE will apply a monthly fee to hold your account initially set at Euro 100. The monthly fee can be amended at any time in IBIE’s sole discretion notification to you, which might be by way of email or IBIE’s website.

 

In addition, IBIE will not pay interest to you but shall charge interest to you at such interest rates and on credit or debit balances as are then set forth on the IBIE website.

 

Keep in mind, when the cash balance of your account is insufficient to cover these fees, IBIE may liquidate assets in the same manner IBLUX would liquidate assets before the Transfer.

 

14.  I have other questions about what will and will not be changing following the Transfer? 

 

If you still have questions, please contact IBKR Client Services.

 

FAQs: IBLUX Migration to IBCE Restricted Account

Background: 

As previously explained, Interactive Brokers Luxembourg SARL ("IBLUX") will no longer provide brokerage services to investors and is ceasing regular operations. In June 2021, we invited IBLUX’s existing clients to transfer their account to another Interactive Brokers entity or to otherwise move their account to a bank or a broker outside of the Interactive Brokers family. Despite being reminded repeatedly, you did not take the actions required to move the assets held in your IBLUX account. As such we are transferring your account to our affiliate, Interactive Brokers Central Europe Zrt ("IBCE") ("Transfer") where your assets will remain under custody in trust until we receive instructions from you. These FAQs provide important factual, legal and regulatory information regarding the Transfer.

1.      What does the Transfer mean for me? What terms and conditions will govern my relationship with IBCE following the Transfer?

 

Following the Transfer, IBCE will be responsible for ensuring the safe custody of your assets. The IBCE General Business Terms [https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=4500] ("GBR") will govern your account and assets while they are held under custody in trust at IBCE in this limited capacity. You will not be able to place trades or make other financial decisions on your account and IBCE will not provide any investment services to you unless you expressly agree to the GBR and sign the Client Agreement and complete any other open steps needed to open an IBCE account. IBCE will send you an email following the Transfer with the steps to take to secure your login credentials to access your account at IBCE.

 

2.      What do I have to do if I want to continue doing business with Interactive Brokers?

 

If you want to continue doing business with Interactive Brokers, we require your cooperation and action in order for IBCE to provide you investment services. Specifically, we need you to open a new account with IBCE, expressly agree to the GBR and sign the Client Agreement and any other required documents, and provide any additional documents or information requested.

 

If you do not want to continue doing business with Interactive Brokers, you may instruct IBCE to transfer your assets to another broker or bank, and IBCE will comply with your instructions subject to applicable laws and IB's standard procedures.

 

3.      How will my assets be custodied at IBCE?

 

Until you agree to and accept the GBR and the Client Agreement and open a brokerage account with IBCE, IBCE will provide custody services in limited scope:

 

·         for any cash balance transferred to IBCE, you will be entitled to the amount of the cash balance in your account base currency on the date it is transferred to IBCE and IBCE will not convert your cash balance to another currency or pay any interest on cash that it holds in custody for you. 

 

·         for any financial instruments transferred to IBCE, you will be entitled to those financial instruments and IBCE will not provide any investment services in relation to your financial instruments while they are in IBCE’s custody. For example, IBCE will not take any measures to mitigate losses resulting from market movements. However, in the event your account has insufficient margin, IBCE will take appropriate measures and liquidate positions, without issuing a margin call to you, to bring your account in compliance with margin requirements which are subject to change. More information is provided in FAQ 10.

 

If you open an IBCE account, Hungarian custody rules will fully apply to your relationship with IBCE. Like the Luxembourg custody rules, the Hungarian conduct of business rules are based on the recast Markets in Financial Instruments Directive, the Markets in Financial Regulation and various delegated directives and regulations (collectively, "MiFID").

 

4.      Am I protected against loss?

The Hungarian Investor Protection Fund according to Act CXX of 2001 on the Capital Market may protect your assets from loss, at an amount up to a maximum of EUR 100,000, should IBCE default and be unable to meet its obligations to you. To be eligible for the Fund, you must have a contractual relationship with IBCE.

The compensation provided by the Fund covers claims arising from contracts entered into within the agreement with IBCE of brokerage activity, securities custody, securities account management and client account management activities performed by IBCE.

Hungary's compensation scheme is similar to the compensation scheme you have access to in Luxembourg. The purpose of the Fund is to pay compensation to you in the event that:

·     the Central Bank of Hungary initiates liquidation proceedings of IBCE, or

·     a court orders the liquidation of IBCE. 

 

IBCE is a member of the Fund (please see https://bva.hu/en/ipf/ipf-members/). 

If you are eligible, you can only make a claim after a firm goes out of business and its assets have been liquidated and distributed to those who are owed money. Please check the details of the schemes for any limits that apply – not all losses will be covered as there are maximum levels of compensation.   The Fund will pay you compensation for the amount you have lost up to a maximum of EUR 100,000.

The amount paid by the Fund is:

·     100% up to the limit of the EUR equivalent of one million forints (EUR 2,805 on 5th September 2021),

·     above one million forints: 1 million forints and 90% of the part above one million forints to a maximum of EUR 100,000.

 

5.      How do I make a complaint to IBCE? What if my complaint relates to something that happened while I was a customer of IBLUX?

 

The GBR sets out how to lodge a complaint with IBCE. The IBCE complaints handling procedures are materially similar to those that apply to your existing relationship with IBLUX, but the scope of the complaint provisions is much narrower as the services provided to you are limited to holding your assets under custody in trust until you submit transfer instructions or become a full IBCE client.

 

If the substance of your complaint relates to something that happened prior to the Transfer, then you should address your complaint to IBLUX. 

 

6.      After the Transfer, will I still have access to the CSSF to file a complaint?

In case of a complaint, investors should follow the complaints procedure as referred to in the IBLUX Customer Agreement. Once the Transfer has taken place, the CSSF will cease to have jurisdiction over any complaints that you may have in respect of IBLUX. However, please be aware that Hungary has a dispute resolution scheme operated by the Central Bank of Hungary in the form of the Financial Arbitration Board ("FAB"). The FAB is a free and independent statutory dispute resolution scheme for financial services. You may be eligible to make a complaint to the FAB if you are a retail customer.  Details of FAB can be found on https://www.mnb.hu/en/hungarian-financial-arbitration-board

 The FAB can be contacted at: 

 

Postal Address

Financial Arbitration Board

1525 Budapest

Pf. 172

 

Email

ugyfelszolgalat@mnb.hu

 

7.      How will my personal data be processed and protected? Are there any material differences that will apply to my relationship with IBCE compared to those that apply to my existing relationship with IBLUX in this context?

 

Your data will be processed and protected in accordance with the Interactive Brokers Group Privacy Policy which can be found at:https://www.interactivebrokers.com/en/index.php?f=305. There will be no material change.

 

 

8.      Will the range of services be the same?

 

No. This account has been created solely for the safe custody of your assets while we wait for you to instruct us on where to transfer your assets or elect to become a full IBCE client. As a result, our services are limited to holding your assets and where relevant taking action to ensure you meet applicable margin requirements.

 

9.      Did you liquidate some or all the positions in my account to facilitate the Transfer?

 

As we previously wrote to you explaining, in many cases we liquidated some or all positions in client accounts back to the account’s base currency to facilitate that Transfer to IBCE. Where positions remain, FAQs 10-11 address how they will be transferred and custodied at IBCE.

 

10.  I have a margin account. Are the margin terms governing my account different following the Transfer to IBCE?

 

No. Your obligations and responsibilities in connection with your margin account and trading on margin remain following the Transfer as they were at IBLUX. However, you are not able to freely operate the account, including opening of new positions, unless you become a full IBCE client.

 

Please review the provisions relating to margin in the IBCE Client Agreement [https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=4501], as they will apply to your account and assets while they are held under custody in trust at IBCE.

 

11.  What happens to any security I have granted to IBLUX as part of a margin loan?

 

If you have granted security or collateral to IBLUX this will transfer to IBCE upon the Transfer taking place.

 

12.  Will all account balances be transferred at the same time and what is the timing?

 

IBCE will support a limited number of deposit currencies.  The following ten cash deposit currencies, the "Allowed Deposit Currencies" are: EUR, USD, GBP, CHF, DKK, NOK, SEK, HUF, CZK and PLN

 

Where appropriate to facilitate the Transfer, we converted long cash balances in other currencies to one of the Allowed Deposit Currencies before migration.

 

In accordance with the client asset protection rules in Hungary, client funds must be protected in the same form that they were received by the broker.  This contrasts with your previous broker, IBLUX, whose regulatory client asset rules allowed them to protect your funds in equivalent value in another currency.  Short currency balances are unaffected.  

 

All cash balances will be transferred at the same time, and your current account at IBLUX will be closed and inaccessible for trading purposes. You will still be able to access this closed account via the Client Portal for purposes of viewing and printing historical statements.

 

13.  Will IBKR’s commissions and fees change when my account is migrated? 

 

IBKR commissions and fees do not vary by the broker your account is maintained with.

 

However, while your assets are held in custody in trust at IBCE until you either transfer your assets to another financial institution or to a new account with IBCE, IBCE will apply a monthly fee to hold your account initially set at Euro 100. The monthly fee can be amended at any time in IBCE’s sole discretion notification to you, which might be by way of email or IBCE’s website.

 

In addition, IBCE will not pay interest to you but shall charge interest to you at such interest rates and on credit or debit balances as are then set forth on the IBCE website. IBCE will also charge a currency handling fee for cash balances in currencies that have negative interest rates.

 

Keep in mind, if the cash balance of your account is insufficient to cover these fees, IBCE may liquidate assets in the same manner IBLUX would liquidate assets before the Transfer.

 

14.  I have other questions about what will and will not be changing following the Transfer? 

 

If you still have questions, please contact IBKR Client Services.

 

Benutzer (nicht-angestellt) zu einem Einzelkonto hinzufügen

Übersicht: 

Einzelkontoinhaber/innen besitzen die Fähigkeit mehrere Benutzer zu Ihrem IBKR Konto hinzuzufügen. Kontoinhaber/innen können auf Wunsch einen zweiten Benutzernamen unter dem eigenen Namen erstellen um sich in 2 TWS Sessions simultan einloggen zu können (Ein Benutzer für den normalen Zugriff und einen via API). Kontoinhaber/innen können ausserdem bis zu 5 (nicht-angestellten) Personen, wie zum Beispiel Familienmitgliedern, Benutzer mit einer limitierten Vollmacht erstellen. Zusätzlich kann jede dieser Personen nochmal einen 2.ten Benutzer erstellen.

In allen Fällen wird dem zusätzlichen Benutzer ein einzigartiger Benutzername zugewiesen, welcher sich in das Kundenportal und die gewünschten Handelsplattformen einloggen kann. Die Wegleitung um einen (nicht-angestellten) Benutzer zum Konto hinzuzufügen, finden Sie unten (Für das Hinzufügen eines 2ten Benutzers für den/die Kontoinhaber/in öffnen Sie bitte den Artikel KB1004).

Background: 

 

1. Melden Sie sich im Kundenportal an.

2. Klicken Sie auf das Benutzermenü (Kopf und Schultersymbol in der rechten oberen Ecke) und wählen Sie Konto verwalten.

3. Der Eintrag Benutzer und Zugriffsrechte wird auf der rechten Seite in der Spalte Konfiguration angezeigt und beinhaltet alle Benutzer, die Sie bereits für das Konto erstellt haben.

4. Klicken Sie auf das Konfigurieren Zahnrad um den Benutzer und Zugriffsrechte Bildschirm zu öffnen.

5. Hier finden Sie 2 Bereiche: Der Benutzer Bereich zeigt die Individuen an, welche zu Ihrem Konto hinzugefügt wurden sowie das Verhältnis zum Kontoinhaber; der Bereich Benutzerrollen zeigt alle Rollen der Benutzer an, die Sie erstellt haben.

6. Fügen Sie Benutzer hinzu, bearbeiten oder löschen Sie Benutzer mit Hilfe der Icons, die auf der rechten Seite angezeigt werden.

7. Der Prozess der Hinzufügung eines Benutzers und der Zugriffsrechte dieses Benutzers ist in mehrere Schritte aufgeteilt. Sobald ein Schritt abgeschlossen ist, klicken Sie auf Weiter um mit dem nächsten Schritte fortzufahren. Falls Sie eine Veränderung im vorherigen Schritt vornehmen wollen, klicken Sie auf Zurück.

  1. Auf der ersten Seite geben Sie die Informationen über Benutzer ein einschliesslich dem Benutzernamen, Passwort, Name, Verhältnis zum Kontoinhaber und die Emailadresse.
  2. Auf der nächsten Seite wählen Sie die Benutzerrolle, sofern Sie eine gespeichert haben. Benutzerrollen aktivieren automatisch eine vorher konfigurierte Auswahl an Benutzerrechten zu dem neuen Benutzer. Falls Sie dies tun, können Sie jegliche zusätzlichen Anzeigen überspringen und zum Überprüfungsbildschirm gehen.
  3. Jeder folgende Bildschirm erlaubt Ihnen dem Benutzer Zugriffsrechte auf bestimmte Funktionen zu geben- Geben Sie die Zugriffsrechte auf Funktionen indem Sie den Haken in der Box daneben setzen.

8. Die letzte Seite dieses Prozesses erlaubt Ihnen alle eingegebenen Informationen über diesen neuen Benutzer zu überprüfen, einschliesslich der Zugriffsrechte. Rechte, die dem Benutzer gegeben wurden, erscheinen angehakt und in der Farbe Grün; Rechte, die dem Benutzer nicht gegeben wurden erscheinen durchgestrichen. Betätigen Sie Weiter falls alles korrekt eingestellt ist. Betätigen Sie Zurück um Korrekturen vorzunehmen.

9. Falls Sie mit Ihrem Hauptbenutzer nicht am Sicherheitsloginsystem für 2 Faktor Authentisierung teilnehmen, erhalten Sie eine Email mit einer Bestätigungsnummer. Geben Sie die Bestätigungsnummer in das dafür vorgesehene Feld ein und klicken auf Weiter. Falls Sie keine Bestätigungsnummer erhalten haben, klicken Sie auf Bestätigungsnummer senden um eine neue Bestätigungsnummer zu Ihrem Emailkonto zu senden.

10. Klicken Sie auf OK um den neuen Benutzer zu speichern. Dieser wird im Bereich Benutzer und Zugriffsrechte erscheinen.

Wichtige Hinweise:

  1. In Übereinstimmung mit den Anforderungen von Marktdatenanbietern wird der primäre Benutzername für jegliche zusätzlich abgeschlossenen Marktdatenpakete der zusätzlichen Benutzer separat belastet.
  2. Kontoinhaber/innen können Benutzer entfernen, indem sie auf das Löschen Icon auf der rechten Seite des betreffenden Benutzers innerhalb des Benutzer und Zugriffsrechte Bereichs klicken.

Information Regarding IBUK ISA (Individual Savings Account)

1.       What is an ISA and what benefits does it offer me?

An ISA (Individual Savings Account) is a tax-free savings or investment account that gives you the opportunity to save or invest a certain amount of money every year, without having to pay tax on any growth in your investments or savings. There are 4 types of adult ISA available (stocks & shares ISA, cash ISA, innovative finance ISA , and lifetime ISA).  The interest on cash accumulates on a tax-free basis, as does income and capital gains made on investments.


A stocks and shares ISA lets you invest in “qualifying instruments” such as stocks and shares, funds, etc. A stocks and shares ISA is not an investment in its own right.  The best way to think of a stocks and shares ISA is as a ‘wrapper’ with which you can shelter your savings and investments from both Income Tax and Capital Gains Tax. The IBUK Stocks and Shares ISA lets you choose from a range of investments to invest in (see below section 10 ‘What can I invest in?’). You can select and manage your IBUK Stocks and Shares ISA yourself or arrange for your financial advisor to do so on your behalf (see below section 8 ‘Can I appoint a financial advisor to manage, on a discretionary basis, my IBUK Stocks and Shares ISA?’).


When deciding which type of ISA to open, you should consider the pros and cons of each so that you can choose the type that best fits with your personal needs, circumstances and financial goals. We offer stocks and shares ISAs only.


Tax treatments depend on your individual circumstances and may change in the future.

 

2.       What ISA types are offered at IBUK?

Interactive Brokers (U.K.) Limited (IBUK) only offers stocks and shares ISAs (including, Junior Stocks and Shares ISA). IBUK does not offer cash ISAs (including, Junior cash ISA).

 

3.       Who is eligible for an IBUK Stocks and Share ISA?

In accordance with HMRC rules, any individual who is a resident for tax purposes in the UK and over the age of 18 is eligible to open a stocks and share ISA.


Click on the link for additional details:

https://www.gov.uk/tax-foreign-income/residence

 

4.       How many ISAs can I have?

You can only open one of each ISA type in the same tax year. For example, you can't open two stocks and shares ISAs in a tax year, but you could open one stocks and shares ISA and one cash ISA.

 

5.       What is a flexible Stocks and Shares ISA?

ISA flexibility refers to whether you’re able to withdraw from your ISA without affecting your annual allowance. A flexible stocks and shares ISA allows the individual to withdraw funds from their stocks and shares ISA and put them back into it, within the same tax year, without affecting their annual ISA allowance.

 

6.       Does IBUK offer a flexible Stocks and Shares ISA?

No, an IBUK Stocks and Shares ISA isn't flexible. That means you can take money out, but it'll count towards your annual ISA allowance if you pay it back in the same tax year.

https://www.gov.uk/tax-foreign-income/residence

 

7.       Can you lose your money paid into a Stocks and Shares ISA?

The value of investments you hold in your IBUK Stocks and Shares ISA and the income received from them can fall as well as rise. As a result, you may get back less than you invested. Past performance is not an indication of future performance, and some investments need to be held for the long term to achieve a return. The IBUK Stocks and Shares ISA is an execution only service, Interactive Brokers does not provide investment advice.  If you need advice about whether an investment is suitable, you need to consult a suitably qualified financial advisor.

 

8.       Can I appoint a financial advisor to manage, on a discretionary basis, my IBUK Stocks and Shares ISA?

Yes, you can appoint a financial advisor to manage your IBUK Stocks and Shares ISA on your behalf. Click on the link for additional details:

https://ibkr.info/node/134

 

9.       Can I trade on margin under the IBUK  Stocks and Shares ISA?

No. You can only open an IBUK Stocks and Shares ISA under a GBP cash account type. A cash account requires that all transactions are made with available cash or long positions.

 

10.   What can I invest in?

Under a stocks and shares ISA you can invest in any of the following investments (also known as 'qualifying investments'):

  • Shares;
  • Securities issued by Companies;
  • Recognised UCITS;
  • Depository Receipts, American Depository Receipts and American Depository Shares.

 

11.   What exchanges does IBUK support?

HMRC recognised exchanges supported by IBUK:

Country

Exchange

Australia

The Australian Stock Exchange (and any of its stock exchange subsidiaries)

Austria

Vienna Stock Exchange

Belgium

NYSE Euronext Brussels

Canada

NYSE Euronext Brussels

Montreal Stock Exchange

Toronto Venture Exchange (TSX Venture Exchange)

France

MATIF
MONEP

Germany

Frankfurt Stock Exchange

Stuttgart Stock Exchange

Hong Kong

Hong Kong Stock Exchange

Italy

Italian Stock Exchange (Borsa Italia)

Japan

Tokyo Stock Exchange

Osaka Stock Exchange

Lithuania

NASDAQ OMX Vilnius

Mexico

Mexico Stock Exchange

Poland

Warsaw Stock Exchange

Singapore

Singapore Exchange Limited

South Korea

Korea Exchange

Spain

Spanish Stock Exchange (Bolsa de Valores in Madrid)

Switzerland

Swiss Stock Exchange (SIX Swiss Exchange)

United Kingdom

London Stock Exchange

United States of America

BATs Exchange Inc

Chicago Board Options Exchange

Chicago Stock Exchange

International Securities Exchange

National Stock Exchange

New York Stock Exchange

NYSE ARCA

NASDAQ OMX PHLX

NASDAQ

 

12.   What is the ISA Allowance for 2022/2023 tax year?

Tax year runs from 6 April to the following 5 April. Each tax year’s ISA subscription limit is specific to that year and can be checked on the HMRC website. 

For the 2022/23 tax year the annual ISA allowance is £20,000 per person. Any of the ISA allowance that goes unused in the current tax year cannot be rolled over to the subsequent tax year. You can divide this cash allowance across multiple ISAs, provided that not more than 1 of each type of ISA is subscribed to in any given tax year. NB.  If you are already subscribed to another stocks and shares ISA in the current tax year, you are not permitted to subscribe to our stocks and shares ISA for the remainder of the tax year.

NB. For each tax year, you can check (via the funding page in Client Portal) how much you have subscribed to your IBUK Stocks and Shares ISA and the maximum amount that you can contribute to your IBUK stocks and shares ISA in that tax year, assuming you have not contributed to another ISA away from Interactive Brokers.

13.   How do I make subscriptions to my IBUK Stocks and Shares ISA?

You can make one-off payments (wire transfers deposits) as and when you choose, but the combined total of all payments (or subscriptions) must not exceed any given annual tax year allowance (see section 12. What is the ISA Allowance for 2022/2023 tax year?).

 Interactive Brokers accepts wire transfers only, and there is a minimum subscription amount of £1. Your IBUK Stocks and Shares ISA can only have GBP cash.

 

14.   Does Interactive Brokers have any mechanisms in place to ensure customers do not exceed the ISA allowance for the relevant tax year?

Yes. Interactive Brokers has in place internal controls to prevent customers from exceeding the ISA allowance by splitting the customers’ payments (once received by Interactive Brokers) as follows:

  • crediting the allowable subscription to the customer’s IBUK Stocks and Shares ISA; and 
  • crediting the potential over-contribution amount as follows:

o   if you already have other account(s) with IBUK, Interactive Brokers will credit the potential over-contribution amount to such account(s);

o   if you don’t have other account(s) with IBUK, Interactive Brokers will open a new non-ISA cash only (GBP) account on your behalf and credit the potential over-contribution amount to this new and additional account.

 

In either case, Interactive Brokers will notify you (via a pop-up message in the Client Portal, email and Message Center message) of the above actions and you will always have the possibility of withdrawing the potential over-contribution from your other non-ISA account(s) with IBUK (as described above).

Worked example:

Assuming you only have one type of ISA which is an IBUK Stocks and Shares ISA. The annual ISA allowance for 2022/2023 tax year is GBP 20,000. You initially contribute GBP 19,000.

For the same tax year (2022/2023) you then send GBP 2,000 to Interactive Brokers and request such funds to be credited to your IBUK Stocks and Shares ISA.

If Interactive Brokers actioned your request and credited the full amount (GBP 2,000) to your IBUK Stocks and Shares ISA, you would have exceeded your ISA allowance for the tax year 2022/2023 by GBP 1,000 (as the maximum you can contribute for the tax year 2022/2023 is GBP 20,000).

Instead, to prevent over-contribution, upon receipt of your funds Interactive Brokers will carry out the following actions: 

(1) credit your funds (GBP 2,000) to your existing other non-ISA account(s) with IBUK (if you already have one or more accounts).

(2) if you don’t already have an existing other account(s) with IBUK, Interactive Brokers will open a new cash only (GBP) non-ISA account on your behalf and credit your funds (GBP 2,000) to this new and additional account.

(3)  Interactive Brokers will then automatically transfer GBP 1,000 from your other non-ISA account with IBUK to your IBUK Stocks and Shares ISA.  

 

15.   What happens if I exceed my ISA allowance?

 If you have accidentally paid too much into your ISAs you won’t get any tax relief on the excess payments you’ve made. The ISA allowance is a combined annual limit across all adult ISA types (e.g. stock & shares ISA, cash ISA, innovative Finance ISA , and lifetime ISAs).

 

16.   What should I do if I exceed my ISA allowance?

 In the event you oversubscribe to your ISA (in other words your ISA annual allowance was exceeded), you should not attempt to correct the mistake by withdrawing the excess funds from an ISA (including, but not limited to, your IBUK Stocks and Shares ISA). Instead, you should call HMRC’s ISA helpline to explain the situation and inform them about the oversubscription. HMRC will advise you on the next steps.   NB. The ISA allowance for the tax year 2022/2023 is GBP 20,000 (this is a combined limit across all 4 types of ISA (stock & shares ISA, cash ISA, innovative finance ISA , and lifetime ISAs).

 

17.   What is the annual fee for the IBUK Stocks and Shares ISA?

 There is no annual ISA fee at IBUK. Other costs and charges apply, see below section 18 for more information.

 

18.   What are the charges for the IBUK Stocks and Shares ISA?

 £3 per month minimum activity fee.

 One free withdrawal per month. Thereafter, £7 withdrawal fee is applicable.

Click on the link for an overview of our commissions:

https://www.interactivebrokers.co.uk/en/index.php?f=39753&p=stocks

 

19.   What transactions are allowed and what transactions are not allowed in an ISA?

 a)       Example of allowed transactions

An individual subscribes £15,000 into a stocks and shares ISA, £3,000 into a cash ISA and £2,000 into a lifetime ISA. No more than 1 of each type of ISA was subscribed to in the tax year, and the annual ISA allowance of £20,000 was not exceeded.

 b)      Example of disallowed transactions

An individual subscribes £10,000 into one stocks and shares ISA, £2,000 into another stocks and shares ISA, and the remaining £8,000 into a cash ISA. While the individual did not exceed the annual ISA allowance of £20,000, they subscribed funds into more than 1 stocks and shares ISA.

 

20.   How do I transfer my stocks and shares ISA from my current ISA manager to IBUK?

NB. Currently only transfers in of cash from existing ISAs are supported. Transferring of open positions (in-specie transfers) will be available later in Q4 2022.

 You will need to submit a transfer instruction to Interactive Brokers (via the transfer & pay funding page in Client Portal), and if, in IBUK’s discretion IBUK decides to accept the transfer, IBUK will instruct your existing ISA manager to transfer your investments (where IBUK supports such investments) and/or cash into your IBUK Stocks and Shares ISA. Where IBUK does not support all your investments held at your existing ISA Manager, you can either liquidate these investments yourself prior to submitting your transfer instruction to IBUK via Client Portal (any cash proceeds of such liquidation will be transferred into your IBUK Stocks and Shares ISA) or you can instruct IBUK (as part of your transfer instruction via Client Portal) to do so on your behalf.

 

21.   How do I transfer an ISA out of IBUK to another provider?

Any transfer out request from IBUK must be requested via the receiving ISA provider. The requesting broker can email a client-signed transfer form to isa-transfer@interactivebrokers.com or the client may attach a completed form to a web ticket.

 

22.   What are the Transfer Charges?

Interactive Brokers does not charge for transfers (the transferring ISA manager may charge you for transferring investments or cash proceeds to us).

 

23.   Can I cancel my IBUK Stocks and Shares ISA?

You have a legal right to cancel your IBUK Stocks and Shares ISA if you change your mind but there are timelimits on doing so, see below section 24 for more information.

 

24.   How can I cancel my IBUK Stocks and Shares ISA?

 If you want to cancel your IBUK Stocks and Shares ISA, you must do so within 14 days from the date you receive our email confirming the establishment of your IBUK Stocks and Shares ISA (a cancellation must be requested from the Client Portal).

 Cancellation rights will also apply to the receipt of transfer payments.  You have 14 days from the date you receive our email acknowledging the transfer to exercise your right to cancel (a cancellation must be requested from the Client Portal). NB. If you cancel the transfer of your stocks and shares ISA from another ISA manager to IBUK, that ISA manager may not agree to accept the stocks and shares ISA back. This may result in that stocks and shares ISA being closed, and the tax benefits being lost.

 

25.   How safe is your IBUK Stocks and Shares ISA?

IBUK is authorised and regulated by the Financial Conduct Authority, and is approved by HMRC to act as an ISA manager (including in respect of stocks and shares ISAs).  Your account is held with IBUK’s US affiliate, Interactive Brokers LLC, regulated by the US SEC and CFTC and member of the SIPC (www.sipc.org) compensation scheme.

 Your IBUK Stocks and Shares ISA will not be covered by the Financial Services Compensation Scheme (FSCS) in the UK. Instead, your eligible assets are protected from loss under the US SIPC at an amount of up to USD 500,000 (subject to a cash sublimit of USD 250,000). As with all securities firms, this coverage protects against the failure of a broker-dealer, not against the loss of market value of securities. You will not get any compensation only because the value of your investments falls.

 IBUK and Interactive Brokers LLC are part of the Interactive Brokers Group. The Interactive Brokers Group, Inc. is a listed public company trading on U.S. markets under the symbol “IBKR” with a market capitalization of over USD 30 billion, as of Nov 17, 2021. On a consolidated basis, IBG LLC exceeds USD 10 billion in equity capital, over USD 6.2 billion in excess of regulatory requirements. IBG LLC's owners are the public company, Interactive Brokers Group, Inc.  and the firm's employees and their affiliates. Client money is segregated in special bank or custody accounts, which are designated for the exclusive benefit of clients of Interactive Brokers. Interactive Broker’s client equity as of Oct 30, 2021 was USD 380.9 billion.

 

26.   How can I file a complaint with IBUK?

 Customers are actively encouraged to use the WebTicket system for prompt attention.

 A copy of our Complaints Procedure is available here https://www.interactivebrokers.com/en/index.php?f=292 You can also direct your ISA specific complaints via email to isa@interactivebrokers.co.uk (Please note that in order to ensure that your complaint is flagged and given the required attention, Interactive Brokers kindly asks you to state "COMPLAINT" in the subject header field of the email).

 

27.   Are Corporate Actions allowed under my IBUK Stocks and Shares ISA?

Allowed to participate but cannot exceed the annual ISA subscription limit. If it were to exceed the subscription limit, the shares should be transferred to a non-ISA account (see above sections 16 ‘What should I do if I exceed my ISA allowance?’ and 14 ‘Does Interactive Brokers have any mechanisms in place to ensure customers do not exceed the ISA allowance for the relevant tax year?’.

 

28. FX Handling and your IBUK Stocks and Shares ISA

Interactive Brokers will automatically convert currencies when trading non-GBP denominated securities. To do this, Interactive Brokers will engage in “spot” currency transactions on your behalf in order to settle your buy orders or convert the proceeds of a sell order. For opening orders Interactive Brokers will base the exchange rate off the spot exchange rate at the time of trade plus our 0.03% fee. For closing orders any non GBP balances will be closed at the end of the trading day at the closing exchange rate of the day plus our 0.03% fee.

The below example illustrates the cost in GBP of a $1,000 USD Trade

Example GBP/USD Spot Rate: 1.3432/1.3433

Order Type

FX Conversion Rate inc 0.03% fee

Cost of $1000 USD Trade

Buy

1.3430

£744.61

Sell

1.3435

£744.31

 

29. What if I have additional questions?

Our customer services team are on hand to help via phone or email.  If you have any questions about your IBUK Stocks and Shares ISA, please contact our dedicated ISA Support team who are available 8am to 6pm GMT Monday to Friday, excluding public holidays.  

 

FAQs: IBCE Pre-Migration Action item Guide

Übersicht: 

As previously noted, IBKR will cease IBLUX’s regulated business, and as a result, will need to make some changes in relation to which legal entity does business with you. It is our intention that all of your accounts, investments and services currently provided to you by IBLUX will instead be provided by IBCE.

Prior to the Proposed Transfer occurring, certain action items must be completed in the Client Portal. These action items may include:

- Submission of Proof of Identity documentation

- Submission of Proof of Address documentation

- Completion of Identity Verification Selfie task

- Investment Portfolio Changes

Please carefully review this FAQ in order to complete the necessary action items and facilitate the Proposed Transfer. For more information on this transfer, please review the FAQs for IBCE.

How do I access pending items in Client Portal?

Follow the below procedure to access pending items in Client Portal:

  1. Log in to Client Portal.
  2. Click the Notifications (bell) icon in the top right corner. The number on the icon shows you how many total unread notifications you have.
  3. A drop-down menu will open showing your Pending Items, Corporate Actions and Messages.
  4. Click Pending Items.
  5. You can open and view any pending item to see the details of the item. Click the View button for the pending item you want to view.

 

What documents are acceptable for these tasks?

Acceptable documents for Proof of Identity and Proof of Address action items include the following:

Document Category Acceptable Documents (only one document per category is needed)

Proof of Identity of the Account Holder

Please provide a current and valid document (or documents) that contains the following: full name, date and place of birth, clear photograph, signature of the holder, document number, expiration date, and country of issue. If the information required is on multiple pages, please provide copies of all of those pages.

• Passport

• National Identity Card

• Driver’s License

Proof of Residential Address of the Account Holder

The document must clearly list the applicant's name and the relevant address and must be less than six months old unless otherwise specified. Please provide a scanned version of a hard copy bill.

• Utility Bill: For example, a bill for electricity, gas, water, landline telephone, home broadband, or TV. Mobile phone bills are not acceptable forms of proof of address.

• Council tax bill

• Home insurance bill

• Bank, mortgage or brokerage statement

• Signed and stamped letter from your bank on the bank’s letterhead confirming address

• Credit card statement (not older than six weeks)

• Government issued letters or statements: For example, we would accept a property tax bill, confirmation of residential address from the local authorities or a pension statement. Must be on official government letterheaded paper.

• Resident permit

• Driver’s license or national identity card: If you use your driver's license or national identification card as proof of identity, it cannot also be used as proof of address.

• For HUNGARY only: ADDRESS CARD which shows the current residential address.

 

What Investment Portfolio Changes do I need to make?

IBCE will support a limited number of deposit currencies. The following ten cash deposit currencies, the “Allowed Deposit Currencies” are:

• EUR, USD, GBP, CHF, DKK, NOK, SEK, HUF, CZK and PLN

You will be required to nominate a base currency from the Allowed Deposit Currencies and if you hold long cash balances in other currencies, you will be required to convert those balances to one of the Allowed Deposit Currencies before migration.

In accordance with the client asset protection rules in Hungary, client funds must be protected in the same form that they were received by the broker. This contrasts with your previous broker, IBLUX, whose regulatory client asset rules allowed them to protect your funds in equivalent value in another currency.

Short currency balances are unaffected. You may borrow in any currency that the IBKR group offers.

All cash balances, with the exception of accruals (e.g., interest, dividends) will be transferred at the same time. Once accruals have been settled and posted to cash, they will automatically be swept to IBCE. Once all accruals have been swept, your current account at IBLUX will be closed and inaccessible for trading purposes. You will still be able to access this closed account via the Client Portal for purposes of viewing and printing historical statements.

Metals CFDs are offered by IBCE but spot and OTC metals futures are not. You will be requested to trade out of those positions before conversion to an IBCE account.

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