Within the 'withdrawal' journey in the platform, you will note two tiles pertaining to the client's cash position:

Withdrawable cash is the balance used to determine whether funds are available to be withdrawn from an account.

This balance reflects cash that has fully settled and is available for withdrawal on the current day through the platform.

The uninvested cash balance remains the source of truth for trading and investment activity, as it represents cash available to be invested.

Understanding the Balances

Withdrawable Cash represents:

• Settled cash available for withdrawal today.
• The balance that should be checked when assessing whether a withdrawal can be processed immediately.

Uninvested Cash represents:

• Cash available for investment and trading activity.
• Funds that may still be awaiting settlement.

Withdrawal Processing

Immediate Withdrawals

Where the withdrawable cash balance is sufficient to cover the withdrawal request:

✅ The withdrawal can be processed immediately.*

Forward-Dated Withdrawals

Where there is sufficient uninvested cash to cover the withdrawal, but the funds have not yet settled:

✅ A forward-dated withdrawal can be submitted for the date the cash is expected to settle.

Insufficient Available Funds

Where there is insufficient withdrawable cash and insufficient uninvested cash to cover the withdrawal request:

❌ The withdrawal cannot be processed until additional cash becomes available.

* We send payments out twice a day, Monday to Friday, at approximately 10:30am and 3pm (payment run timings are approximate and can vary by a few minutes either way). This will be sent by Faster payment where the amount is less than £1Million.