The Smarter Way to Manage Your Money

IB Universal Account IB Universal Account

IB UNIVERSAL ACCOUNT

The Smarter Way to Manage Your Money

Unlock Your Financial Potential with an All-in-One Solution

Manage all your finances in one account!

Earn Interest

Earn Interest

Earn interest up to USD 3.13% on instantly available cash balances1

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Borrow

Borrow

Borrow at USD 4.13% - 5.13% from a single brokerage account.2

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Karta Visa Infinite US Charge Card

Karta Visa Infinite US Charge Card

A premium US charge card designed for ARC clients who operate across borders and markets. The card seamlessly links to your ARC account for monthly payments and gives you instant access to your cash anywhere in the world with no foreign transaction fees.

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Arclight Capital
Learn About Mobile Deposits
Bank Deposit Sweep Program

Bank Deposit Sweep Program

Our Insured Bank Deposit Sweep Program allows eligible ARC clients to obtain up to $5,000,000 of FDIC insurance in addition to existing $250,000 SIPC coverage for total coverage of $5,250,000.

Learn About Sweep Program
Direct Deposit

Direct Deposit

Automatically deposit funds denominated in USD from your financial institution to your ARC account.

Learn About Direct Deposit
Strength & Security

Strength & Security

ARC is a broker you can trust, and our strong financial position and conservative business management protect ARC and our clients.

Our Strength and Security

Open Your Account Today!

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ARC GlobalTrader

Download ARC GlobalTrader
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Download ARC Mobile
Download ARC Mobile

Disclosures

  1. Restrictions apply. For additional information on interest rates, click here. Credit interest rate as of August 7, 2026 .
  2. For complete information, see ibkr.com/compare.