Request for Payment (RFP)
What is Request for Payment?
Request for payment is a message that you could send via IBKR and its supporting bank to your bank to trigger a real-time credit transfer directly to your IBKR account. Your bank will prompt you via push notification or e-mail to review and approve the payment request. Upon receiving your approval, your bank will send a real-time credit transfer directly to IBKR's bank and IBKR will credit your account. Real-time payments are done on a new 24x7x365 payments platform managed by The Clearing House and available to all federally insured U.S. depository institutions.
Who is eligible to use Request For Payment?
Real-time payment eligibility depends on your bank's capability to accept the request. U.S. depository institutions are actively preparing to accept RFPs and most are expected to be able to accept requests in the coming months.
What is the transaction amount limit?
The request for payment limit is determined by your bank. Initially limits are expected to be modest (approximately $5,000 to $10,000), but are expected to increase in the future. The RTP network's current credit transfer limit is $1,000,000
How long does it take for the funds to be credited to my account?
Under normal circumstances you should receive the prompt to approve the request for payment and, upon approval, the funds would be credited to your account and available to trade within a few minutes or faster.
How to deposit HUF to Interactive Brokers
What are Giro/RTGS (Viber) transfers and International Bank Transfers (SWIFT) for HUF?
There are two different transfer methods available for transferring HUF depending of the location of your bank.
GIRO/ RTGS VIBER (domestic) transfers are available at banks located in Hungary for bank-to-bank transfers while banks located outside of Hungary will likely offer International Bank Transfers (SWIFT).
Giro /RTGS (Viber) payments
The Hungarian Internal Clearing System (ICS) operated by GIRO Zrt. is a payment system for the interbank clearing of domestic HUF transfers and direct debits. It is a "Real Time Gross Settlement" system called VIBER.
Banks that are connected to it will allow you to transfer HUF quickly and inexpensively between banks located in Hungary. It will be required to know the Bank Code, Branch Code and Account number of the receiving party.
You do not necessarily have to select GIRO or RTGS (VIBER) in your online banking. Your bank may call it "Bank-To-Bank transfer" or "domestic payment method" using the details mentioned above.
SWIFT payment
The Society for Worldwide Interbank Financial Telecommunication - SWIFT - is a network that allows banks to communicate financial information securely.
SWIFT payments are offered by most banks for international money transfers, and involve a series of banks which work together to make sure your money arrives at your account.
If you transfer HUF from a financial institution outside of Hungary, the payment would likely be routed via a correspondent bank located in Hungary before reaching your account. Such payments are known as cross-border payments and often take more time to complete because of the complexity associated with involving multiple banks.
Bank transfers can take time to complete, particularly when it comes to cross-border payments, because of the complexity associated with involving multiple bank in the payment chain.
Processing bank transfers involves a number of steps, particularly for cross-border payments. These are sent via the correspondent banking network and typically pass between several different banks along the way. After being initiated, a wire transfer is sent by the debtor agent to an intermediary bank before moving on to the creditor agent. Once these steps are complete, the recipient will receive their funds.
There are a number of reasons why cross-border payments may be delayed or held up. First, not all account balances can be updated outside of the operating hours of local settlement systems. Delays can also arise if compliance checks need to be carried out, especially when a payment passes through different countries and jurisdictions.
Difference between domestic and international bank transfers
Banks make a domestic transfer to send funds to financial institutions residing in the same country or financial zone. When sending funds to financial institutions in a foreign country or financial zone, banks have to make an international bank transfer. The differences between these two bank transfers affect the number of fees banks charge and the duration it takes to complete the transfer.
How long does it usually take for my funds to arrive?
|
Payment Type |
Timing |
Approximate Cost* |
|
Giro payment |
same day up to 1 business day |
free of cost or very low cost |
|
International bank transfer (SWIFT) |
from 1 to 4 business days |
vary by bank |
*Please consult with the sending institution about the costs to process your payment as this may vary by financial institution. IBKR does not charge fees for the deposit of funds.
IBKR credits funds real-time upon receipt. Please note that we do not have influence on the speed of transfer. Please consult with your bank regarding their processing times.
Payments that are subject to additional review may take longer to credit.
现金划转
背景
IB全能账户由两个独立的子账户或账户段组成，一个用于持有证券仓位和余额，受美国证券交易委员会（SEC）客户保护规则约束，另一个用于持有商品仓位和余额，受美国商品期货交易委员会（CFTC）客户保护规则约束。这种全能账户的设计旨在尽可能地降低客户维护两个不同账户（例如，账户之间转账现金、两个账户登录和提交委托单、多份报表等）可能面临的行政管理开销，同时又维持法规要求的分隔措施。
该等法规还要求所有证券交易和相关保证金交易均在全能账户的证券账户段进行，而商品交易则在商品账户段进行。1 虽然法规允许将全额支付的证券持仓以保证金抵押品的形成存放在商品账户段进行托管，但IB并不允许这种操作，从而对抵押权应用了更为严格的SEC限制性规则。鉴于相关法规和政策已对持仓应归于哪个账户段作出了规定，现金是唯一可由客户自行决定在两个账户段之间来回转账的资产。
下方为现金划转选项、选择步骤和注意事项相关的说明。
现金划转选项
客户有三种划转选项，说明如下：
1. 不划转剩余资金 – 根据这个选项，如非必要，剩余现金不会在两者之间进行转移：
a. 解决/缓解另一账户段保证金不足的问题；
b. 尽可能地降低指定账户段的借方现金余额，从而减少相关的利息费用。 请注意，对于只拥有证券或商品交易许可中一项许可的账户持有人来说，这是默认选项，也是唯一的选项。
2. 将剩余资金划转至我的IB证券账户 – 只在商品账户段中留下能满足当前商品保证金要求的现金余额。 任何由于现金增加（例如，有利的变化和/或与交易相关）或保证金要求降低（例如，SPAN风险阵列和/或与交易相关的变化）而产生的超出保证金要求的现金，都将自动从商品账户段转移到证券账户段。请注意，账户持有人必须具备证券交易许可才能选择此选项。
3. 将剩余资金划转至我的IB商品账户 – 只在证券账户段中留下能满足当前证券保证金要求的现金余额（加上含有贷款价值的其它证券仓位）。请注意，账户持有人必须具备商品交易许可才能选择此选项。
其它注意事项：
- 由于全能账户允许以不同币种持有现金余额，因此存在一个层次结构，以决定当多种货币出现多头余额时，首先转移哪种货币。在这类情况下，首先会转移以基础货币计价的余额，然后是美元，然后剩下的多头余额再按金额从高到低的顺序转移。
- 为了尽可能地降低一个账户段在把剩余现金划转至另一个账户段后出现保证金不足的可能性，剩余资金不会全部转移，而是会留下相当于维持保证金要求5%的资金作为缓冲。 同样，为了尽可能地降低转移名义余额的运营开销，只有在扣除5%的保证金缓冲后，剩余金额（如有）仍不低于账户净资产的1%或200美元时，才会转移余额。
- 在执行交易前信用核查以确定账户是否拥有足够的净资产来支持新的委托单时，一个账户段内进行的交易也会将另一个账户段内的剩余现金纳入考虑（但在交易执行之前不会进行划转，并且也只有在为了满足保证金要求而有必要时才会进行划转）。 被标记为典型日内交易者以及需要进行交易前信用核查（会考虑前一日和当日净资产）的账户应特别留意下方选择注意事项。
选择划转的选项
如果您的账户管理版本在左侧有一系列菜单选项，请选择账户行政，然后选择 剩余资金划转菜单选项。 如果您的版本是顶部有菜单选项，请选择管理账户/设置，然后选择 配置账户/剩余资金划转菜单选项。无论您的版本如何，您都将看到以下界面：
然后，您可点击您想要的划转方式对应的单选按钮，然后选择〝继续〞按钮。您的选择将从下一个工作日起生效，并将一直有效，直到选择其它选项为止。请注意，只要满足上文中提到的交易许可设置，您可随时更改划转方式，没有次数限制。
选择注意事项
虽然选择将剩余现金存放在哪个账户段可能涉及每位客户独特的主观决策和偏好（例如，客户将大部份资产集中存放在其中一个账户段），但下述有几个因素值得注意：
1. 典型日内交易净资产 - 根据相关法规被标记为典型日内交易者的账户（即在5个工作日内进行4次或以上日內交易），其证券购买力将被限制为证券账户段当日或前一日收盘净资产中的较低者。根据这个计算方式，如选择将剩余资金划转至商品账户段，则该笔资金将无法纳入计算，从而可能对下达新委托单的造成一定限制。要最大程度地利用净资产来扩大购买力下达证券委托单，客户需选择将剩余资金划转至证券账户段。 请注意，选择证券账户段并不会限制下达商品委托单的能力，因为典型日内交易规则不适用于此类账户。
2. 保险 – 美国证券投资者保护公司（SIPC）的保障范围覆盖证券账户段的资产，而商品账户段则没有相应的保障计划。不过，超过SIPC的$250,000现金分项给付限额（劳合社现金分项给付限额为$900,000，如适用）的余额不在承保范围内。 IB加拿大和IB英国的客户也分别受加拿大投资者保护基金（CIPF）和英国金融服务补偿计划（FSCS）规定的承保规则约束。
3.利息收入 – 在所有其它条件相同的情况下，从未将多头现金余额在证券和商品账户段中分开存放的客户，可望获得最高的利息收入，这是因为两者不会汇总以计算贷方利息（它们受不同的隔离池和再投资规则的约束）。 在选择现金划转时，除了上述的因素外，也应该要考虑到贷款需要维持最低现金余额，并且余额高一些，利率也会优惠一些。2
脚注:
1由于OneChicago个股期货是由SEC和CFTC共同监管的混合产品，因此可在任何一种账户类型中进行买卖。不过，IB选择在全能账户的证券账户段进行此类交易，因为只有在这情况下，才能向单一股票期货和任何合资格股票或期权持仓提供保证金减免。
2例如，某账户在证券和商品账户段各持有$9,000的多头美元余额。根据基准联邦基金有效利率，如果两个余额存放在同一账户段，该账户有$8,000 （$18,000 - $10,000）可以获得利息。但由于分别放在两个账户段中的现金余额均低于$10,000，都无法获得利息，如不选择现金划转，将无法赚取任何利息。同样，如进行现金划转后，某账户段的多头美元现金余额超过$100,000，则账户持有人将能够赚取更高一档的利息。有关利息计算的其它信息，包括当前基准利率的链接，请参阅KB39。
“信用限制期”内的存款是否可以获得利息？
Overview:
答案取决于存款方式。 对于通过ACH进行的存款，利息从存款到达当日起便开始计算，资金记入账户前为期四个工作日的信用限制期都会持续计息。对于银行支票以外的支票存款，在信用限制期内不产生利息。银行支票和电汇会在收到后立即记入账户，因此不受任何信用限制期的影响。
您收到的利息因市况而异。 有关当前向贷方余额支付利息的信息，请参阅 www.interactivebrokers.com/interest
How to Deposit JPY to Interactive Brokers
Account holders depositing from a local Japanese bank should send funds via domestic fund transfer.
Please see below for more information regarding how to deposit funds into an IBSJ account.
Instructions for how to deposit JPY into your IBSJ account
A deposit notification will be required. It is recommended that you always enter a deposit notification before arranging a fund transfer with your bank.
Account holders can notify IBKR of an incoming fund transfer by entering a deposit notification in Client Portal by selecting Transfer & Pay followed by Transfer Funds and Make a Deposit.
Local bank transfers should use 'Domestic Bank Transfer.' Overseas accounts able to send JPY should use 'International Transfer.'
Banking instructions will be provided after submitting a deposit information. It is recommended that you always confirm that the banking instructions registered with your bank match those which are provided when creating a deposit notification.
Contact your bank and confirm how to complete a fund transfer using the provided bank instructions.
IMPORTANT: A deposit notification instructs your intent to send funds to your IBSJ account. Notifications DO NOT move any funds. Please arrange with your bank to send funds to your IBSJ account.
What methods can I use to fund my IBSJ account with JPY?
Local - Clients sending funds from a local Japanese domestic bank should send funds via domestic fund transfer.
International - Deposits from overseas bank accounts must use the 'International Transfer' method to send JPY to their IBSJ account. Confirm procedures with your sending institution on how to send an international wire using the provided banking instructions.
For both methods, account holders should confirm fees and procedures with their bank before sending funds. IBSJ is not responsible for fees charged by your bank.
What information does my bank need to transfer funds?
Local - Local Japanese banks will need the IBSJ bank, bank code/branch code, bank account title & address, and 7-digit destination bank account number/VAN*.
*A VAN (Virtual Account Number) is a bank account number assigned specifically to you for domestic fund transfers. It should be used exclusively for deposits initiated by yourself and should not be shared with anyone else. A VAN will not be used for international fund transfers
International - International transfers require IBSJ's bank information, SWIFT code, bank account title & address, and 10-digit bank account number. Be sure to include your name and U-account number in the memo/reference field of the transfer details. Failure to include this information may delay the arrival of funds to your account.
Contact Client Services should additional information or assistance be required.
What information does IBKR need to transfer funds?
Please create a deposit notification as instructed above.
If funds are sent without a deposit notification, proof of deposit may be requested to credit the funds to your account.
How long does it take for my funds to arrive into my IBSJ account?
Local - Your Japanese bank's daily cutoff times may affect the funds' arrival.
Should clients miss the daily deadline set by their bank, the funds should arrive the next business day. Please confirm this information with your Japanese bank.
International - The arrival of funds may take longer when sending JPY from an international bank via International Transfer (up to 3-4 business days in some cases).
Be sure to include your name and U-account number in the memo/reference field of the transfer details. Failure to include this information may delay the arrival of funds to your account.
Confirm that you have entered a matching deposit notification for your transfer. The arrival of funds may be delayed if funds are sent without a matching deposit notification.
| Payment Type | Timing | Approximate Cost | ||
| Domestic | Same day/following business day | Free to a few hundred Yen | ||
| International (SWIFT) | 1 to 4 business days | Varies by bank |
As costs vary by institution, please consult with the sending institution about the costs incurred to process your payment. IBKR does not charge fees for the deposit of funds.
IBKR credits funds to accounts in real-time upon receipt. Please note that we do not have any control over the speed/processing of your fund transfer. You may consider consulting your bank regarding processing times.
Payments that are subject to review may take longer to credit to the account.
Are third-party deposits into my IBSJ account permitted?
Funds must be sent from a bank account held in your name. Funds sent from an account using a different name will be considered third-party and will be rejected.
Does IBSJ charge for deposits?
IBSJ does not charge a handling fee for deposits.
Related fees (including, but not limited to: transfer fees, rejection fees, etc.) are to be paid by the account holder. IBSJ is not responsible for fees incurred due to rejected deposits.
Can I use a fund transfer service such as Wise or Revolut?
Fund transfer services, including Wise and Revolut, cannot be used for funding your IBSJ account. Please use a bank wire to send funds to an IBSJ account.
How to Deposit SGD to Interactive Brokers
How do I deposit SGD to Interactive Brokers?
IBKR's bank account for SGD is held in Singapore and is eligible to receive SGD transfers via domestic bank transfer (e.g. FAST) or international bank transfer (SWIFT). If your bank account is held with a local Singapore bank they will usually process SGD transfers as a domestic local transfer while clients with bank accounts outside of Singapore will use an international bank transfer (SWIFT).
We will provide you the SGD bank routing information upon completing the deposit notification in Client Portal. IBKR will provide you our bank account title and bank account number which are usually required for domestic SGD transfers from an account held in Singapore. SWIFT code will be provided for international bank transfers from a bank account held outside of Singapore. A SWIFT code is generally not required for domestic SGD transfers.
Please include your brokerage account number in the template you setup with your bank.
How long will it take for my SGD transfer to arrive?
The timing for SGD deposits varies based on the payment network your bank uses to transfer the funds.
|
Payment Type |
Timing |
Approximate Cost* |
|
Local SGD Transfer |
1 business day |
free of cost or very low cost |
|
SWIFT |
from 1 to 4 business days |
vary by bank |
*Please consult with the sending institution about the costs to process your payment as this may vary by financial institution. IBKR does not charge fees for the deposit of SGD.
Note
- IBKR credits funds real-time upon receipt under normal circumstances.
- We do not have influence on the speed of transfer. You may consult with the sending institution regarding their processing times and cut off times. Transfers that are subject to additional review may take longer to credit.
Request for Payment (RFP)
What is Request for Payment?
Request for Payment (RFP) is a message that you could send via IBKR and its supporting bank to your bank to trigger a real-time credit transfer directly to your IBKR account. Your bank will prompt you via push notification or e-mail to review and approve the payment request. Upon receiving your approval, your bank will send a real-time credit transfer directly to IBKR's bank and IBKR will credit your account. Real-time payments are done on a new 24x7x365 payments platform managed by The Clearing House and available to all federally insured U.S. depository institutions.
Who is eligible to use Request For Payment?
Real-Time Payment (RTP) eligibility depends on your bank's capability to accept the request. U.S. depository institutions are actively preparing to accept RFPs and most are expected to be able to accept requests in the coming months.
What is the transaction amount limit?
The Request for Payment limit is determined by your bank. Initially limits are expected to be modest (approximately $5,000 to $10,000), but are expected to increase in the future. The RTP network's current credit transfer limit is $1,000,000.
How long does it take for the funds to be credited to my account?
Under normal circumstances you should receive the prompt to approve the Request for Payment and upon approval, the funds would be credited to your account and available to trade within a few minutes or faster.
How to Deposit NOK to Interactive Brokers
What are SWIFT and RTGS transfer methods for NOK?
IBKR is able to receive NOK transferred via international bank wire (SWIFT) or RTGS (Real Time Gross Settlement payments system) to deposit NOK to your account, no matter if your bank is located within or outside of Norway.
Typically your bank may call those transfers just regular wire transfers, electronic bank transfers or bank-to-bank transfers and may not distinct between international bank wire versus RTGS. You may want to consult with your bank for further information
about the transfer system they use to facilitate your payment.
SWIFT payment
The Society for Worldwide Interbank Financial Telecommunication - understandably shortened to SWIFT - is a network that allows banks to communicate financial information securely.
SWIFT payments are offered by most banks, for international money transfers, and involve a series of banks which work together to make sure your money arrives at your account.
If you transfer NOK from a financial institution outside of Norway, they may require to use a so called intermediary or correspondent bank to route the payment through, before reaching your account and they are called cross-border payments.
Bank transfers can take time to complete, particularly when it comes to cross-border payments. Clients are increasingly accustomed to a payments experience that feels instant. But making a payment to another country can be much more complex and time-consuming.
Processing bank transfers involves a number of steps – particularly for cross-border payments. These are sent via the correspondent banking network and typically pass between several different banks along the way. After being initiated, a wire transfer is sent by the debtor agent to an intermediary bank before moving on to the creditor agent. Once these steps are complete, the recipient will receive their funds.
There are a number of reasons why cross-border payments may be delayed or held up. Firstly, not all account balances can be updated outside the operating hours of local settlement systems. Delays can also arise if compliance checks need to be carried out, especially when a payment passes through different countries and jurisdictions.
RTGS payment
RTGS stands for Real Time Gross Settlement and is the fastest way to sent money from one bank account to another within the country. Banks charges fees for this real time settlement, that vary by bank.
RTGS method is mostly used for transaction of high value. Its a system where there is continuous and real-time settlement of fund-transfers. You may not be able to select this transfer method in your online banking screen.
It is rather a system your bank will use in the background to transfer your funds upon your request if the funds are transferred within the country. You may consult with your bank which payment system they use to transfer funds.
How long does it usually take for my funds to arrive?
|
Payment Type |
Timing |
Approximate Cost* |
| RTGS | Same day to 1 business days | Low cost, vary by bank |
|
International bank transfer (SWIFT) |
from 1 to 4 business days |
vary by bank |
*Please consult with the sending institution about the costs to process your payment as this may vary by financial institution. IBKR does not charge fees for the deposit of funds.
Note! IBKR credit funds real time upon receipt under normal circumstances. Please note that we do not have influence on the speed of transfer. You may consult with the sending institution regarding their processing times and cut off times. Payments that are subject to additional review may take longer to credit.
通过Wise进行注资
什么是Wise？
Wise（前称TransferWise）是一项国际线上资金转帐服务，支持80个国家的55种货币，主要提供跨境资金转帐和外汇服务。Wise比跨境银行转帐费用更低，也较跨境银行转帐更快到帐，同时其提供的外汇汇率也颇具竞争力。
通过与Wise进行合作，IBKR能够在您登录IBKR平台期间，为您提供以下的服务：
通过与Wise进行合作，IBKR能够在您登录IBKR平台期间，为您提供以下的服务：
- 把您的IBKR账户与WISE账户关联进行注资
- 把IBKR不直接支持的货币（例如罗马尼亚列伊（RON）、保加利亚列弗（BGN）、马来西亚令吉（MYR）、印度尼西亚卢比（IDR））从您的本地银行转帐至Wise，然后在Wise将其兑换成IBKR支持的货币（例如欧元（EUR）、美元（USD）等）存入您的IBKR账户。
- 从现有的Wise余额向您的IBKR账户转账以及从IBKR账户转回Wise
IBKR是否允许通过Wise进行存款和取款？
是，客户可通过Wise把资金存入IBKR账户，也可从IBKR账户提取资金回存至Wise账户。
谁可以使用Wise注资方式？
IBLLC、IB-英国、IB爱尔兰、IB中欧、IB-香港、IB-新加坡的个人客户可以使用Wise转帐资金。
如您还没有开立Wise账户，您将收到创建账户的提示。IBKR将使用您在IBKR账户内的信息（姓名、电邮等）为您预填Wise账户的申请，而您需要登录wise.com以完成申请过程，并上传Wise可能会要求您提交的文件。
Wise与IBKR账户只需要建立一次关联。您只能与您名下的Wise账户进行关联。
如何通过Wise进行存款？
要通过Wise进行存款，请登录客户端选择转帐与支付，然后选择转帐资金。点击存款然后在下拉菜单中选择您想存款的币种。选取合适的货币后，选择“通过Wise进行银行转帐”或“从Wise余额转帐”作为注资方式。
如这是您首次使用Wise注资方式，您将会收到与Wise账户关联的提示。
如这是您首次使用Wise注资方式，您将会收到与Wise账户关联的提示。
通过Wise进行银行转帐：为所存入的本地货币（例如罗马尼亚列伊（RON）、保加利亚列弗（BGN）、马来西亚令吉（MYR）、印度尼西亚卢比（IDR））提供直接整合。 您将把本地货币转帐至Wise银行账户，而Wise将进行兑换，然后把IBKR支持的币种存入到您的IBKR账户。本地货币的列表将取决于您IBKR账户所在的IBKR实体。
您将看到一个报价界面。源币种是您在上方选择的本地货币，而您需要选择要存入您IBKR账户的目标币种（例如美元（USD）、欧元（EUR））。您可修改源币种的数量以查看适用费用、兑换汇率、IBKR账户将收到的目标币种到账金额以及预期到账的时间。确认后，您将收到Wise银行账户的详情和转帐资金的指令。
所需时间方面，从您的本地银行转帐资金至Wise可能需要几个小时至几个工作日，然后需要最多一整个工作日把资金从Wise转至您的IBKB账户，具体时间视乎不同货币而定。
从Wise余额转帐：您可以看到Wise多币种账户中的余额，并向IBKR账户发起资金转账。如Wise账户中的资金是IBKR账户支持的币种，则您可在无需兑换的情况下转帐资金；如果不是，则您可以选择在Wise价格资金兑换成IBKR支持的币种（例如欧元（EUR）、美元（USD））再转入IBKR账户。
资金从您的Wise账户转出之后，需要几个小时至一整个工作日才会到达您的IBKR账户，具体时间视乎币种而定。
如何从Wise账户取款？
您可从IBKR账户提取支持的币种（例如欧元（EUR）、美元（USD））转账至您的Wise账户。
您可从IBKR账户提取支持的币种（例如欧元（EUR）、美元（USD））转账至您的Wise账户。
要通过Wise账户提取资金，请登录客户端选择转帐与支付，然后选择 转帐资金。
点击取款然后在下拉菜单中选择您想取款的币种。选取合适的货币后，选择“转帐至Wise”作为取款方式。
如果这是您首次使用“转帐至Wise”作为取款方式，您将会收到把Wise账户与IBKR账户关联的指示。Wise账户完成关联后，系统会提示您用预填的Wise账户信息创建取款目的地。创建完成后，页面将显示您已保存的目的地，您刚才创建的目的地信息将显示为“转帐至Wise”。选取这个选项，键入金额，然后提交取款请求进行处理。
资金从您的IBKR账户转出之后，需要几个小时至一整个工作日才会到达您的Wise账户，具体时间视乎币种而定。
通过Wise转帐资金需要收费吗？
通过Wise转帐资金可能涉及费用。如果需要收费，有关费用将在您提交转帐资金的请求前，在确认屏幕显示出来。
我可以通过Wise取款到第三方吗？
不能。您只能取款到您名下的Wise账户。
如果转帐发生问题，我可以联系谁？
如关于在客户端发起转帐有任何疑问，或如果您的款项已从Wise账户转出超过一个工作日但仍未到达IBKR账户，请与IBKR联系。
如果是关于款项状态、或从银行向Wise转账碰到的问题、或资金在Wise处于等待状态的相关问题查询，请直接登录您的Wise账户联系客户服务。
在哪里可以了解更多关于Wise及其服务的信息？
请参考Wise支持中心的页面>www.wise.com/help。
How to Deposit DKK to Interactive Brokers
What transfer method can I use to fund my account in DKK?
IBKRs bank account for DKK is held with our Danish Bank and is eligible to receive DKK via RTGS (Real Time Gross Settlement) or International Bank Transfer (SWIFT).
IBKR does currently not support domestic transfer methods (local bank to bank transfer).
What Information does my bank need to transfer funds?
IBKR will provide you with our IBAN (International Bank Account Number) and the SWIFT code of our bank account upon completing the deposit notification in Client Portal.
If your bank is located in Denmark, they may ask you to provide local bank account details. Please explain that our account is not eligible for local bank to bank transfers and let them advise you on how to transfer funds using our IBAN/SWIFT. IBKR is working to implement local bank transfers, however we cannot provide you a date at this time when it will be available.
If your bank is located outside of Denmark, your bank will typically process payments via international bank wire (SWIFT) or the RTGS payment method. Your online banking will likely show Wire, electronic bank transfer or bank-to-bank transfer as available methods.
Your bank will select the method to transfer your funds on your behalf.
SWIFT payment
The Society for Worldwide Interbank Financial Telecommunication - SWIFT - is a network that allows banks to communicate financial information securely.
SWIFT payments are offered by most banks for international money transfers, and involve a series of banks which work together to make sure your money arrives at your account.
If you transfer DKK from a financial institution outside of Denmark, they may require the use of a so called intermediary or correspondent bank to route the payment through before reaching your account. These are called cross-border payments.
Bank transfers can take time to complete, particularly when it comes to cross-border payments. Clients are increasingly accustomed to a payments experience that feels instant, but making a payment to another country can be much more complex and time-consuming.
Processing bank transfers involves a number of steps – particularly for cross-border payments. These are sent via the correspondent banking network and typically pass between several different banks along the way. After being initiated, a wire transfer is sent by the debtor agent to an intermediary bank before moving on to the creditor agent. Once these steps are complete, the recipient will receive their funds.
There are a number of reasons why cross-border payments may be delayed or held up. Not all account balances can be updated outside the operating hours of local settlement systems. Delays can also arise if compliance checks need to be carried out, especially when a payment passes through different countries and jurisdictions.
RTGS payment
Kronos2 is Denmark National Bank's RTGS (Real-Time-Gross-Settlement) system for payments in Danish Krona and it is primarily used for settlement of large-value, time-critical interbank payments. You may consult with your bank which system they use to facilitate your payment.
You will typically not be given a choice on which method your bank will use to transfer your funds, and it depends as well on the size of payments, the banks involved in the transfer and what service your bank offers.
Difference between domestic and international bank transfer
Banks make a domestic wire transfer to send funds to financial institutions residing in the same country or financial zone. When sending funds to financial institutions in a foreign country or financial zone, banks have to make an international bank transfer. The differences between these two bank transfers affect the number of fees banks charge and the duration it takes to complete the transfer.
How long does it usually take for my funds to arrive?
|
Payment Type |
Timing |
Approximate Cost* |
| RTGS | same to 1 business day | vary by bank |
|
International bank transfer (SWIFT) |
from 1 to 4 business days |
vary by bank |
*Please consult with the sending institution about the costs to process your payment as this may vary by financial institution. IBKR does not charge fees for the deposit of funds.
Please note: IBKR credits funds real-time upon receipt under normal circumstances. Please note that we do not have influence on the speed of transfer. You may consult with the sending institution regarding their processing times and cut off times. Payments that are subject to additional review may take longer to credit.
