Kunden und potenzielle Kunden werden dazu angehalten, unsere Website zu konsultieren, wo sie eine detaillierte Übersicht zu allen Gebühren erhalten.

Nachstehend erhalten Sie einen Einblick zu den wichtigsten Gebühren:

1. Provisionen - sind je nach Produkttyp sowie Börse unterschiedlich und hängen auch davon ab, ob Sie einen gebündelten („All-in“) oder ungebündelten Plan auswählen. Im Fall von US-Aktien beispielsweise erheben wir $0.005 pro Aktie mit einem Mindestbetrag pro Trade von $1.00.

2. Zinsen - Zinsen werden auf Margin-Sollsalden erhoben und IBKR verwendet international anerkannte Benchmarks für Overnight-Einzahlungen als Basis zur Bestimmung von Zinssätzen. Daraufhin wenden wir in Staffelungsstufen einen Spread um den Benchmark-Zinssatz herum an („BM“), sodass größere Barsalden zunehmend bessere Sätze erhalten, um den Effektivzins zu bestimmen.  Beispiel: Im Fall von auf USD lautenden Darlehen ist der Benchmark-Zinssatz der Effektivzins des Fed Funds, wobei ein Spread von 1.5% zur Benchmark für Salden von bis zu $100,000 hinzugefügt wird.  Darüber hinaus sollten Personen, die Aktien leer verkaufen, sich der besonderen Gebühren bewusst sein, die es in Bezug auf tägliche Zinsen gibt, wo Aktien, die zur Deckung des Aktien-Leerverkaufs geliehen werden, als „Hard-to-Borrows“ angesehen werden. 

 3. Börsengebühren - unterscheiden sich wiederum je nach Produkttyp und Börse. Beispiel: Im Fall von US-Wertpapieroptionen erheben manche Börsen eine Gebühr für die Beseitigung von Liquidität (Market-Order oder marktfähige Limit-Order) und bieten Zahlungen für Orders, die Liquidität zuführen (Limit-Order). Darüber hinaus erheben viele Börsen Gebühren für Orders, die entweder storniert oder geändert werden.

4. Marktdaten - Sie sind nicht verpflichtet, Marktdaten zu abonnieren, aber falls Sie doch welche abonnieren, ist es möglich, dass Sie eine monatliche Gebühr zahlen müssen, die ja nach Anbieterbörse und dem Abonnementsangebot variiert. Wir bieten ein Marktdaten-Assistenztool, das Ihnen dabei hilft, den richtigen Marktdaten-Abonnementsservice basierend auf den Produkten, die Sie handeln möchten, auszuwählen. Um darauf zuzugreifen, loggen Sie sich ins Portal ein, klicken Sie auf die Support-Rubrik und wählen Sie danach den Link für den Marktdaten-Assistenten aus.

5. Monatliche Mindestumsatzgebühr - Da wir unsere Services auch aktiven Tradern anbieten, sind Konten verpflichtet, einen Mindestbetrag an Provisionen jeden Monat zu generieren, andernfalls wird die Differenz als Aktivitätsgebühr erhoben. Der Mindestbetrag beträgt $10 pro Monat.

6. Verschiedenes - IBKR erlaubt eine kostenlose Auszahlung pro Monat und erhebt eine Gebühr für jede darauffolgende Auszahlung. Darüber hinaus gibt es bestimmte Weitergabe-Gebühren für Trade-Bust-Anfragen, Ausführung & Zuteilung von Optionen und Futures sowie ADR-Verwahrergebühren.

Für zusätzliche Informationen empfehlen wir, dass Sie unsere Website besuchen und eine der Optionen aus dem Menü zur Gebührenstruktur auswählen.

Certain Interactive Brokers (“IBKR”) accounts are eligible to request withdrawal of funds to third parties by bank wire. These requests are subject to review and approval at IBKR’s sole discretion. This program is described on the IBKR website here.

After a due diligence review, IBKR may allow withdrawals to a third party for purposes like:
• Withdrawal for purchase of a home or mortgage payoff
• Withdrawal to a spouse, parent, sibling, or child of source account holder
• Withdrawal to an account held by one of the accountholders of a joint account or vice versa.
• Withdrawal from trust account to a beneficiary
• Payment of certain account expenses
• Tax payments
• IRA qualified charitable distributions

IBKR will generally not approve the following types of third-party withdrawals:
• Private investments
• Repayment of loans
• Withdrawals to companies owned by the accountholder
• Payment for purchase of goods or services
• Withdrawals to individuals other than spouse, parent, sibling or child of account holder

Introduction

Clients who elect to close their account must first ensure that all balances (e.g., cash and positions) have been withdrawn or transferred before the account can be closed. Once closed, the account is then restricted from further transactions, however, there are situations where assets may be credited to the account despite it being closed. As disclosed at the point of account closing, cash balances credited to an account after it has been closed are automatically converted to the base currency, regardless of amount, since the trading platform is no longer available to facilitate conversions.

The following article provides background as to how such situations may occur and the steps clients can take to withdraw the assets.

Post-Closure Balances

While it is uncommon for credits to be applied to an account once closed, the events which cause this to happen generally arise from the following:

• The account was closed via disbursement issued in in the form of a check which the client does not present for payment for 90 days and is therefore cancelled by IBKR; or, where the client requests a stop payment due to loss, theft or non-delivery of the check.
• The account was closed via an electronic disbursement (e.g., wire, ACH, EFT) later returned to IBKR by the receiving bank. This can occur if the receiving bank decides to reject and return the funds because the client’s bank account is closed or if the title of the account at IBKR differs from the bank account to which it is being deposited (i.e., a 3rd party transfer).
• A credit adjustment is applied to the account after it has closed to correct an over-withholding of taxes on a prior period dividend.
• An applicant deposited funds prior to the account being opened and the application was never approved by IBKR or was abandoned by the applicant.
• The account was closed via transfer to another broker who later returns the assets after the account has closed.

Withdrawing Assets

To withdraw cash, log into the Client Portal, select the Transfer & Pay and then Transfer Funds menu options and you will be presented with the option to make a withdrawal and a list of available banking instructions which you created while the account was open.  Select an instruction that is active and applicable to the denomination of the currency to be withdrawn.

If your account has positions, please contact the broker who returned the positions to request that they be transferred back. Note that you will not be able to submit orders to close positions in a closed account.

FAQs

Q. What do I do if I don't recall my login credentials and am unable to log into the Client Portal?

A. If you require assistance logging into your account, you will need to contact your local Client Service Center via telephone. Such requests require verbal verification of your identity as a protection from unauthorized users. Contact information is available on our website.

Q. How do I determine the credit balance in my account?

A. The account balance and its composition can be found in your activity statement. Daily, monthly and annual statements are available online via the Client Portal through the Reports/Tax Reports menu option.

Q. Am I able to reopen an account that has been closed?

A. Accounts that have been closed for an extended period or are attempting to reopen solely for the purpose of withdrawing assets are generally not eligible to be reopened. If you intend to reopen the account to establish an ongoing brokerage relationship, please contact your local Client Service Center for assistance.

Q. What happens if I want to withdraw the funds via check and my address has changed?

A. If your account is eligible to withdraw funds via check (only available for US currency withdrawals by customers with a US mailing address) and your mailing address on record is no longer accurate, you will not be able to change your address online. In this instance, please contact Client Services to inform us of your new address and receive instructions on how to upload a copy of a driver's license or other acceptable document.

Q. What happens if I want to withdraw the funds electronically and my account does not already have a valid banking instruction on file?

A. If you currently do not have an active banking instruction on file, please log into the Client Portal and add a new instruction using the Transfer & Pay menu option. Note that IBKR reserves the right to verify new instructions via verbal confirmation and/or submission of qualifying documentation. This verification step is intended to protect against unauthorized transfers to a 3rd party.

Q. The entity which owned the account no longer has a bank account or is no longer in existence. How can the funds be withdrawn?

A. In the event the funds are unable to be withdrawn and distributed in the name of account holder at the point of account closure, IBKR will seek to distribute the funds to the entity owners based on their pro rata share of ownership. Note that this will generally require submission of documentation evidencing the owners and their ownership interests as well as a warranty and indemnification letter executed by the owners that the information they provide is accurate and there aren’t any other owners or creditors to whom the funds are owned. IBKR also reserves the right to request an independent opinion of counsel verifying the accuracy of the information provided.

Q. What happens if I do not act to withdraw assets in a closed account?

A. IBKR will attempt to notify closed accounts of a credit balance using the email address of record. Account holders who do not act to withdraw balances within 30 days after notice has been sent are subject to a monthly closed account fee of $20.  Also note that IBKR is subject to statutes which require that assets in accounts deemed "abandoned" be turned over to the state in which the client resides (or Connecticut if the client resides outside the U.S.). The period of inactivity by which an account is considered "inactive" varies by state, but can be as low as 3 years. See Knowledge Base Article 2599 for details regarding retrieving unclaimed property from the state.

Background

The South African Reserve Bank (SARB) has currency exchange control rules in place for South African residents. A South African resident is a person (i.e. a natural person, body corporate, foundation, trust or partnership) whether of South African or any other nationality who has taken up residence, is domiciled or registered in the Republic of South Africa (RSA). A resident account is also the account of persons resident, domiciled or registered in the Common Monetary Area (CMA). The CMA comprises of the Republic of South Africa, Lesotho, Namibia and Swaziland. There are no exchange control restrictions between the members of the CMA and they form a single exchange control territory.

The rules stipulate that there is a yearly limit placed on the amount of ZAR that can be taken out of the country by South African residents – i.e. taken "Offshore". ZAR that remain in South Africa are deemed “Onshore”.

Each resident can take the following amounts offshore per calendar year:

• ZAR 1 million can be taken offshore as a “Single Discretionary Allowance”
• ZAR 10 million can be taken offshore as an “Foreign Capital Allowance”

Only institutions licensed as “Authorised Dealers” (AD) are able to send ZAR outside of South Africa and so offshore. An AD is responsible for reporting the offshoring of any ZAR to the SARB. As a result, residents sending ZAR offshore must accurately state the purpose for which the ZAR is being sent. Residents must receive approval from an AD before they are able to send any ZAR offshore. Prior to taking ZAR offshore as part of the Foreign Capital Allowance, residents must also have additional clearance from the SA tax authorities.

The full exchange control rulebook from the SARB can be found here: https://www.resbank.co.za/RegulationAndSupervision/FinancialSurveillanceAndExchangeControl/EXCMan/Pages/default.aspx

Current Situation

Our cashiering account is a non-resident account. Therefore, we are permitted to:

• Receive deposits in ZAR from other non-resident accounts.
• Disburse ZAR from our cashiering account to non-resident accounts.

• Receive deposits from accounts of South African residents.
• Disburse ZAR to accounts of South African residents.