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Why can't I withdraw?
Quick rundown on a common point of confusion: the difference between your Buying Power and Cash Balance. This is the most common reason you may not be able to withdraw yet.
They can show different amounts because of settlement periods. This is the time it takes for funds from trades or deposits to fully process. Until then, the money isn't available for withdrawal.
- Cash Balance: This is your fully settled cash - the amount you can actually withdraw.
- Buying Power: This is your total trading capital. It can include unsettled funds and updates in real-time with your activity.
Put simply, you can trade with it instantly if it's in your Buying Power but you can't withdraw it until it's settled and showing in your Cash Balance.
When will my cash be available?
There are a couple of scenarios depending on the type of settlement:
- After a Wall St trade, the funds will normally settle at the start of the next U.S. trading session. For example, if your trade executes on a Monday (U.S. time) they will reflect in your Cash Balance when the market opens on Tuesday (U.S. time). Remember both U.S. and Australian public holidays will add a day.
- Recent deposits and currency conversions from USD to NZD and vice versa may also require settlement into your Cash Balance. This can take 1 - 2 business days.
Other scenarios:
From time to time we may need to review transactions to keep things secure. If this happens, we'll always immediately get in touch via email so please check your inbox.
Some corporate actions may also have their own specific timeframes set by the stock issuer. If this is the case, you'll be able to find this out through their investor relations centres and market announcements.
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