Interactive Brokers review

Interactive Brokers belongs on this list for larger investors who keep cash in a brokerage account and do not want a subscription or a separate sweep product. Clients with a net asset value above USD 100,000 earn an annual rate of 3.38% on USD cash balances above USD 10,000. Smaller accounts get a lower rate that rises as NAV approaches $100,000, and the first $10,000 of uninvested cash in each currency earns nothing, so the effective blended rate is lower than the headline. Interest is paid on cash in many currencies, which suits investors holding foreign currency, and IBKR publishes a calculator for the blended rate. The account is a trading platform first. There is no debit card spending, checkwriting or goal tool on the cash, and interest applies only to the securities segment, not to cash in the commodities segment. For balances under $10,000, every other option here pays more.

Who it is for

investors with more than $100,000 in assets and cash above $10,000

Price

No subscription; 3.38% on USD cash above $10,000 for accounts with NAV over $100,000.

Clients with a NAV of more than USD 100,000 (or an equivalent value in other currencies) earn an annual rate of 3.38% on their USD cash balances above USD 10,000.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 3.38% annual rate on USD cash above $10,000 for accounts with NAV over $100,000
• Lower rates for accounts with NAV under $100,000
• No interest on the first $10,000 of uninvested cash per currency
• Interest on cash held in many currencies
• Online calculator for the blended rate

Strengths and weaknesses

• Strength: No subscription needed for the rate
• Strength: Pays interest across multiple currencies
• Strength: Cash sits in a full brokerage with global market access
• Weakness: The first $10,000 earns no interest
• Weakness: Accounts under $100,000 NAV get a reduced rate
• Weakness: Interest is paid only on cash in the securities segment

Key facts

• Rate: 3.38% on USD above $10,000, NAV over $100,000
• Interest-free threshold: First $10,000 per currency
• Subscription: None
• Currencies: Multiple, each with its own threshold

Where it ranks

Interactive Brokers is No. 9 in our Best Cash Management Accounts verdict.