重要提示：
2025年10月29日，美联储将隔夜拆借利率下调25个基点，盈透证券向账户中余额支付的美元利率预计将降至3.37%，同时美元保证金借贷利率预计将为4.37-5.37%。确切数值将于2025年10月31日公布，并将适用于2025年10月30日收盘时的账户余额。
在计算利率时，请记住IBKR使用基于以下等级的混合利率。例如，对超过100万美元的余额，第一个10万按第一阶梯利率收取，其余90万按第二阶梯利率，等等。在确定报价点差时，IBKR将采用设定的基准利率，基准利率为负值的均采用零利率。
IBKR按日累计利息并在下一个月的第三个工作日公布月实际利息。
利率等级可能会在未事先通知客户的情况下发生变化。此类调整会定期进行，旨在反映汇率变化。
输入您的正现金余额以计算大致的利息。
*如果没有预先安排融资，IBKR将对大额贷款余额收取1%的额外费用。1%的额外收费将适用于最高一级中的所有余额。
计算器根据我们认为是准确与正确的信息进行计算，但盈透证券有限公司及其附属公司都不保证信息的准确性和充分性，请勿依赖该等信息。盈透证券及其关联公司均不对本计算器的任何错误或遗漏，或本计算器所生成的任何结果负责。
BM = 基准利率
| 货币 | 等级 | 适用利率： |
|---|---|---|
| 美元 | 0 ≤ 100,000 | 5.370% (BM + 1.5%) |
| 100,000 ≤ 1,000,000 | 4.870% (BM + 1%) | |
| 1,000,000 ≤ 50,000,000 | 4.620% (BM + 0.75%) | |
| 50,000,000 ≤ 250,000,000 | 4.370% (BM + 0.5%)1 | |
| > 250,000,000 | 4.370% (BM + 0.5%) 1,2 | |
| 阿联酋迪拉姆 | 0 ≤ 350,000 | 6.749% (BM + 2.5%) |
| 350,000 ≤ 3,500,000 | 6.249% (BM + 2%) | |
| 3,500,000 ≤ 350,000,000 | 5.749% (BM + 1.5%) | |
| > 350,000,000 | 5.749% (BM + 1.5%) 2 | |
| 澳元 | 0 ≤ 150,000 | 5.408% (BM + 1.5%) |
| 150,000 ≤ 1,500,000 | 4.908% (BM + 1%) | |
| 1,500,000 ≤ 75,000,000 | 4.658% (BM + 0.75%) | |
| 75,000,000 ≤ 300,000,000 | 4.408% (BM + 0.5%) 1 | |
| > 300,000,000 | 4.408% (BM + 0.5%) 1,2 | |
| 加元 | 0 ≤ 130,000 | 3.914% (BM + 1.5%) |
| 130,000 ≤ 1,300,000 | 3.414% (BM + 1%) | |
| 1,300,000 ≤ 64,000,000 | 3.164% (BM + 0.75%) | |
| 64,000,000 ≤ 260,000,000 | 2.914% (BM + 0.5%) 1 | |
| > 260,000,000 | 2.914% (BM + 0.5%) 1,2 | |
| 瑞士法郎 | 0 ≤ 90,000 | 1.511% (BM + 1.5%) |
| 90,000 ≤ 900,000 | 1.011% (BM + 1%) | |
| 900,000 ≤ 46,000,000 | 0.761% (BM + 0.75%) | |
| 46,000,000 ≤ 180,000,000 | 0.75% (BM + 0.5%) 1 | |
| > 180,000,000 | 0.75% (BM + 0.5%) 1,2 | |
| 离岸人民币 | 0 ≤ 700,000 | 5.768% (BM + 4%) |
| 700,000 ≤ 7,000,000 | 4.768% (BM + 3%) | |
| 7,000,000 ≤ 350,000,000 | 4.268% (BM + 2.5%) | |
| > 350,000,000 | 3.768% (BM + 2%) 2 | |
| 捷克克朗 | 0 ≤ 400,000,000 | 6.530% (BM + 3%) |
| > 400,000,000 | 6.530% (BM + 3%) 2 | |
| 丹麦克朗 | 0 ≤ 120,000,000 | 4.747% (BM + 3%) |
| > 120,000,000 | 4.747% (BM + 3%) 2 | |
| 欧元 | 0 ≤ 90,000 | 3.633% (BM + 1.5%) |
| 90,000 ≤ 900,000 | 3.133% (BM + 1%) | |
| 900,000 ≤ 44,000,000 | 2.883% (BM + 0.75%) | |
| 44,000,000 ≤ 180,000,000 | 2.633% (BM + 0.5%) 1 | |
| > 180,000,000 | 2.633% (BM + 0.5%) 1,2 | |
| 英镑 | 0 ≤ 80,000 | 5.990% (BM + 1.5%) |
| 80,000 ≤ 800,000 | 5.490% (BM + 1%) | |
| 800,000 ≤ 38,000,000 | 5.240% (BM + 0.75%) | |
| 38,000,000 ≤ 150,000,000 | 4.990% (BM + 0.5%) 1 | |
| > 150,000,000 | 4.990% (BM + 0.5%) 1,2 | |
| 港币 | 0 ≤ 780,000 | 6.121% (BM + 2.5%) |
| 780,000 ≤ 7,800,000 | 5.621% (BM + 2%) | |
| 7,800,000 ≤ 780,000,000 | 5.121% (BM + 1.5%) | |
| > 780,000,000 | 5.121% (BM + 1.5%) 2 | |
| 匈牙利福林 | 0 ≤ 4,500,000,000 | 11.693% (BM + 5%) |
| > 4,500,000,000 | 11.693% (BM + 5%) 2 | |
| 以色列谢克尔 | 0 ≤ 80,000,000 | 9.775% (BM + 5%) |
| > 80,000,000 | 9.775% (BM + 5%) 2 | |
| 印度卢比 | 全部 | 8.640% (BM + 3%) |
| 日元 | 0 ≤ 11,000,000 | 2.114% (BM + 1.5%) |
| 11,000,000 ≤ 114,000,000 | 1.614% (BM + 1%) | |
| 114,000,000 ≤ 5,700,000,000 | 1.364% (BM + 0.75%) | |
| 5,700,000,000 ≤ 23,000,000,000 | 1.114% (BM + 0.5%) 1 | |
| > 23,000,000,000 | 1.114% (BM + 0.5%) 1,2 | |
| 韩元 | 0 ≤ 120,000,000 | 4.500% (BM + 2%) |
| 120,000,000 ≤ 1,200,000,000 | 4.000% (BM + 1.5%) | |
| 1,200,000,000 ≤ 24,000,000,000 | 3.500% (BM + 1%) | |
| > 24,000,000,000 | 3.500% (BM + 1%) 2 | |
| 墨西哥元 | 0 ≤ 2,000,000 | 10.798% (BM + 3%) |
| 2,000,000 ≤ 20,000,000 | 9.798% (BM + 2%) | |
| 20,000,000 ≤ 2,000,000,000 | 9.298% (BM + 1.5%) | |
| > 2,000,000,000 | 9.298% (BM + 1.5%) 2 | |
| 挪威克朗 | 0 ≤ 900,000 | 5.773% (BM + 1.5%) |
| 900,000 ≤ 9,000,000 | 5.273% (BM + 1%) | |
| 9,000,000 ≤ 450,000,000 | 5.023% (BM + 0.75%) | |
| 450,000,000 ≤ 1,800,000,000 | 4.773% (BM + 0.5%) 1 | |
| > 1,800,000,000 | 4.773% (BM + 0.5%) 1, 2 | |
| 新西兰元 | 0 ≤ 150,000 | 4.730% (BM + 1.5%) |
| 150,000 ≤ 1,500,000 | 4.230% (BM + 1%) | |
| 1,500,000 ≤ 150,000,000 | 3.980% (BM + 0.75%) | |
| > 150,000,000 | 3.980% (BM + 0.75%) 2 | |
| 波兰兹罗提 | 0 ≤ 70,000,000 | 7.434% (BM + 3%) |
| > 70,000,000 | 7.434% (BM + 3%) 2 | |
| 俄罗斯卢布* | 0 ≤ 660,000,000 | 21.270% (BM + 5%) |
| > 660,000,000 | 21.270% (BM + 5%) 2 | |
| 沙特里亚尔 | 0 ≤ 350,000 | 7.243% (BM + 2.5%) |
| 350,000 ≤ 3,500,000 | 6.743% (BM + 2%) | |
| 3,500,000 ≤ 350,000,000 | 6.243% (BM + 1.5%) | |
| > 350,000,000 | 6.243% (BM + 1.5%) 2 | |
| 瑞典克朗 | 0 ≤ 900,000 | 3.303% (BM + 1.5%) |
| 900,000 ≤ 9,100,000 | 2.803% (BM + 1%) | |
| 9,100,000 ≤ 454,000,000 | 2.553% (BM + 0.75%) | |
| 454,000,000 ≤ 1,820,000,000 | 2.303% (BM + 0.5%) 1 | |
| > 1,820,000,000 | 2.303% (BM + 0.5%) 1,2 | |
| 新加坡元 | 0 ≤ 140,000 | 2.738% (BM + 1.5%) |
| 140,000 ≤ 1,400,000 | 2.238% (BM + 1%) | |
| 1,400,000 ≤ 68,000,000 | 1.988% (BM + 0.75%) | |
| 68,000,000 ≤ 270,000,000 | 1.738% (BM + 0.5%) 1 | |
| > 270,000,000 | 1.738% (BM + 0.5%) 1, 2 | |
| 土耳其里拉 | 0 ≤ 250,000,000 | 37.697% (BM + 5%) |
| > 250,000,000 | 37.697% (BM + 5%) 2 | |
| 南非兰特 | 0 ≤ 1,500,000 | 8.670% (BM + 1.5%) |
| 1,500,000 ≤ 15,000,000 | 8.170% (BM + 1%) | |
| 15,000,000 ≤ 1,500,000,000 | 7.920% (BM + 0.75%) | |
| > 1,500,000,000 | 7.920% (BM + 0.75%) 2 |
注：
