• 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

简介

客户如选择关户，则应在关户前取走或转走账户中的全部现金及证券余额。账户一旦被关闭，就无法再进行交易。然而，在少数情况下，可能会有资产被存入已关的账户。正如在关户时向客户披露的，鉴于已关账户不再能使用交易平台兑换货币，被存入已关账户的现金余额不论金额大小，都将自动被兑换为基础货币。

下文将介绍前述情况发生的背景以及客户应如何提取相关资产。

关户后产生余额

尽管关户后通常不会再有资产存入，但在以下情况下仍可能导致账户产生余额：

• 关户时选择通过支票提取账户余额，而客户未在90天内兑现该支票，进而导致支票交易被IBKR取消；或者，由于支票遗失、被盗或未送达，客户要求止付。
• 关户时选择通过电子渠道（如电汇、ACH、EFT）提取账户余额，但资产后被接收银行退回了IBKR。这可能是由于客户在接收银行处的账户已关闭或IBKR的账户名称和银行的账户名称不一致（如第三方转账的情况），导致接收银行拒收并退回资金。
• 账户被关后收到了之前多扣的股息税退还的税款。
• 开户人在账户未成功开立前向账户存入了资金，而该账户一直未被IBKR批准或被开户人遗弃。
• 关户时选择将资产转至其它经纪商，但资产在关户后被经纪商退回。

提取资产

要提取现金，请登录客户端，依次选择转账与支付和转账资金菜单，然后系统会显示可用的取款方式及您在账户开立状态时创建的银行存取款指令列表。选择一个适用于要提取的币种的可用存取款指令。

如您的账户内有持仓，请联系退回持仓的经纪商，请求将该笔持仓重新转回。请注意，您无法通过已关闭的账户提交委托单平仓。

常见问题解答

问：如果我不记得我的登录验证信息、无法登录客户端怎么办？

答：如您需要登录账户方面的帮助，请致电您当地的客服中心。为防止无授权的用户登录您的账户，此类请求需要口头验证您的身份。联系信息请见我们的网站。

问：我如何确定我账户中的余额？

答：您可通过账户活动报表了解账户余额及其组成。每日、每月及年度报表可通过客户端的报告/税务报告菜单在线查看。

问：我可否重开已关闭的账户？

答：已关闭很长时间且只是为了提取资产而申请重开的账户通常不能重开。如您希望重开账户并长期使用我们的经纪服务，请联系您当地的客服中心获取帮助。

问：如果我希望通过支票提取资金而我的地址变了会怎么样？

答：如果您的账户可通过支票提取资金（只支持美元取款且要求客户有美国的邮寄地址）而您记录在我们这里的地址不再准确，则您将无法在线更改您的地址。在这种情况下，请联系客服告知我们您的最新地址，客服人员将指导您如何上传驾照或其它可被接受的文件副本。

问：如果我想通过电子渠道取款而我的账户没有有效的银行存取款指令，这种情况下怎么办？

答：如果您目前没有可用的银行存取款指令，请登录客户端并使用“转账与支付”菜单添加新的指令。请注意，IBKR有权通过口头验证及/或要求客户提交文件的方式来验证新的存取款指令。该验证步骤旨在防止客户因无授权的第三方转账而蒙受损失。

问：开户实体的银行账户被注销了或实体不再存在了。这种情况下如何取款？

答：如果无法以关户时的账户持有人的名义取款，则IBKR将尝试按实体所有人的所有权比例来向所有人分配资金。请注意，这通常要求所有人提交文件来证明其身份及其所有权权益，并提交有所有人签字的保证和补偿书，承诺其提供的信息是准确的，且除他们以外，没有其它所有人或债权人对账户资金有索取权。IBKR也有权要求由律师提供独立意见，证明所有人提供的信息的准确性。

问：如果我不采取行动来提取已关账户内的资产会怎么样？

答：IBKR会尝试通过客户留在我司处的邮箱来通知已关账户的持有人账户内有余额。如果账户持有人在通知发出后30天内不采取行动取款，则将被收取20美元/月的已关账户费用。另外，还请注意，根据法规要求，IBKR有义务将“被遗弃账户”内的资产上交给客户居住的州政府（如果客户居住在美国以外，则上交给康涅狄格州）。对于账户多久无活动会被归为“不活跃”，各州的规定不同，但最短可为3年。关于如何从州政府出取回无主财产的详细信息，请见知识库文章2599。

简介

作为反洗钱工作的一部分，IBKR会对某些客户存款和取款实施限制。该等限制针对的是具有较高反洗钱风险之国家相关的转账，同时会考虑客户的居住地、取款目的地和转账资金的计价币种等因素。¹下方对该等限制进行了简要介绍。

限制概述

• 在被认定为具有较高反洗钱风险之国家居住或拥有联系地址的客户不得将资金取到位于另一具有较高反洗钱风险之国家的账户，除非其在该国也有联系地址。
• 在被认定为具有较高反洗钱风险之国家居住或拥有联系地址的客户不得从位于另一具有较高反洗钱风险之国家的账户发起存款，除非其在该国也有联系地址。
• 在被认定为具有较高反洗钱风险之国家居住或拥有联系地址的客户只能将资金取到其曾从中收到过存款的自己名下的账户。
• 客户只能以基础货币、其本国货币或通用货币（如USD、EUR、HKD、AUD、GBP、CHF、CAD、JPY和SGD）取款。
• IBSG的客户只能以SGD、USD、CNH、HKD和GBP取款。
• IBKR会对客户取款的目标银行数目进行限制，不论客户或银行的所在国家或地区。

请注意，客户如果要创建被限制的在线银行指令或发起被限制的存款或取款，系统会阻止其操作并报错。

Introduction

Clients who elect to close their account must first ensure that all balances (e.g., cash and positions) have been withdrawn or transferred before the account can be closed. Once closed, the account is then restricted from further transactions, however, there are situations where assets may be credited to the account despite it being closed. As disclosed at the point of account closing, cash balances credited to an account after it has been closed are automatically converted to the base currency, regardless of amount, since the trading platform is no longer available to facilitate conversions.

The following article provides background as to how such situations may occur and the steps clients can take to withdraw the assets.

Post-Closure Balances

While it is uncommon for credits to be applied to an account once closed, the events which cause this to happen generally arise from the following:

• The account was closed via disbursement issued in in the form of a check which the client does not present for payment for 90 days and is therefore cancelled by IBKR; or, where the client requests a stop payment due to loss, theft or non-delivery of the check.
• The account was closed via an electronic disbursement (e.g., wire, ACH, EFT) later returned to IBKR by the receiving bank. This can occur if the receiving bank decides to reject and return the funds because the client’s bank account is closed or if the title of the account at IBKR differs from the bank account to which it is being deposited (i.e., a 3rd party transfer).
• A credit adjustment is applied to the account after it has closed to correct an over-withholding of taxes on a prior period dividend.
• An applicant deposited funds prior to the account being opened and the application was never approved by IBKR or was abandoned by the applicant.
• The account was closed via transfer to another broker who later returns the assets after the account has closed.

Withdrawing Assets

To withdraw cash, log into the Client Portal, select the Transfer & Pay and then Transfer Funds menu options and you will be presented with the option to make a withdrawal and a list of available banking instructions which you created while the account was open.  Select an instruction that is active and applicable to the denomination of the currency to be withdrawn.

If your account has positions, please contact the broker who returned the positions to request that they be transferred back. Note that you will not be able to submit orders to close positions in a closed account.

FAQs

Q. What do I do if I don't recall my login credentials and am unable to log into the Client Portal?

A. If you require assistance logging into your account, you will need to contact your local Client Service Center via telephone. Such requests require verbal verification of your identity as a protection from unauthorized users. Contact information is available on our website.

Q. How do I determine the credit balance in my account?

A. The account balance and its composition can be found in your activity statement. Daily, monthly and annual statements are available online via the Client Portal through the Reports/Tax Reports menu option.

Q. Am I able to reopen an account that has been closed?

A. Accounts that have been closed for an extended period or are attempting to reopen solely for the purpose of withdrawing assets are generally not eligible to be reopened. If you intend to reopen the account to establish an ongoing brokerage relationship, please contact your local Client Service Center for assistance.

Q. What happens if I want to withdraw the funds via check and my address has changed?

A. If your account is eligible to withdraw funds via check (only available for US currency withdrawals by customers with a US mailing address) and your mailing address on record is no longer accurate, you will not be able to change your address online. In this instance, please contact Client Services to inform us of your new address and receive instructions on how to upload a copy of a driver's license or other acceptable document.

Q. What happens if I want to withdraw the funds electronically and my account does not already have a valid banking instruction on file?

A. If you currently do not have an active banking instruction on file, please log into the Client Portal and add a new instruction using the Transfer & Pay menu option. Note that IBKR reserves the right to verify new instructions via verbal confirmation and/or submission of qualifying documentation. This verification step is intended to protect against unauthorized transfers to a 3rd party.

Q. The entity which owned the account no longer has a bank account or is no longer in existence. How can the funds be withdrawn?

A. In the event the funds are unable to be withdrawn and distributed in the name of account holder at the point of account closure, IBKR will seek to distribute the funds to the entity owners based on their pro rata share of ownership. Note that this will generally require submission of documentation evidencing the owners and their ownership interests as well as a warranty and indemnification letter executed by the owners that the information they provide is accurate and there aren’t any other owners or creditors to whom the funds are owned. IBKR also reserves the right to request an independent opinion of counsel verifying the accuracy of the information provided.

Q. What happens if I do not act to withdraw assets in a closed account?

A. IBKR will attempt to notify closed accounts of a credit balance using the email address of record. Account holders who do not act to withdraw balances within 30 days after notice has been sent are subject to a monthly closed account fee of $20.  Also note that IBKR is subject to statutes which require that assets in accounts deemed "abandoned" be turned over to the state in which the client resides (or Connecticut if the client resides outside the U.S.). The period of inactivity by which an account is considered "inactive" varies by state, but can be as low as 3 years. See Knowledge Base Article 2599 for details regarding retrieving unclaimed property from the state.