I just placed a deposit. How long before my funds become available?

There is a 2pm ET cut-off time for all ACH electronic deposits and withdrawals. If you used our "Transfer Cash" page to place a deposit, this would be a deposit via ACH electronic transfer.

For ACH electronic deposits:

  • If you place your deposit before 2pm ET on a business day, your deposit will be processed the same day and available for trading the following business day. [1 business day processing time]
  • If you place your deposit after 2pm ET on a business day, your deposit will be processed the next business day. It will then become available for trading the business day after that. [2 business day processing time]

For wired funds:

If you choose to wire in funds from your bank, typically the funds would become available for trading as soon as they hit your Kapitall account. If you initiate the wire around 9AM ET or earlier, it is very likely that the funds would be available for trading the same day. However, the time it takes for the wire to come over from your bank depends on both your bank's processing time and our clearing firm's processing time.

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