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Invitation link: https://ibkr.com

IBKR is a securities company that supports trading in foreign exchange, commodities, cryptocurrencies (excluding mainland China), etc. By registering for IBKR through the invitation link (https://ibkr.com), you can receive up to $1,000 in IBKR stock.

IBKR collaborates with UMB Bank, a U.S. bank, to provide users with a U.S. personal account after opening an account, enabling ACH transfers (the U.S. domestic transfer system) for receiving certain income in the U.S. region, avoiding fees associated with SWIFT international transfers, such as income from Steam developers.

Interestingly, UMB Bank was listed as one of the most dangerous banks in the U.S. in 2023, with a risk of collapse at any time. However, IBKR users only transfer funds through UMB to their IBKR securities accounts, and the money does not remain in the UMB account.

By the way, Schwab also provides a U.S. personal account after opening an account, but Schwab collaborates with the U.S. financial giant JPMorgan Chase & Co.

Click the invitation link above and click "Open Account."

Enter your email address, customize your username and password, select your nationality, and click next after creating your username and password.

Choose to open a personal account, enter your contact information, noting that Last Name is the surname, First Name is the first name, and Middle Name should be left blank.

Fill in the address information with the credit card billing address, and fill in personal information truthfully, using your ID card information for the tax identification number.

For identity verification, choose the national ID recommended by IBKR, and fill in the ID number and validity period.

Fill in the employment relationship truthfully, or you can also select student; for wealth source, students/unemployed can choose allowance, while workers select income from work.

Set up security questions, which may be needed later; it is recommended to record them in a memo.

Generally, choose margin for account type; it is advisable to set reasonable income and asset values, avoiding setting them too high or too low. Select trading purpose and trading permissions as needed.

It is recommended to check the stock income growth plan, which can increase stockholding income. Select "No" for all regulatory information.

For preferential qualification, select China to enjoy tax benefits. Enter your electronic signature and click continue, noting that the signature is case-sensitive and includes spaces.

Check to agree to all agreements and disclosures, and complete the electronic signature before clicking continue.

After completing all the above registration information, start submitting photos of the front and back of your ID card to verify your identity, submit a credit card bill to verify your residence address, and receive a mobile verification code to confirm your phone number. Finally, click to create a deposit to activate your account; you can choose to deposit via SWIFT for nationality, SEPA for the EU, or ACH for the U.S. It is recommended to use WISE for ACH transfers to IBKR.

Note that IBKR deposits only support transfers from personal accounts with the same name; transfers from accounts with different names may freeze funds. After the first deposit is made, the account will be activated in about three business days.