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Funding Your Account

How can I fund my investment?

We support several options to fund your investment - ACH Transfer, Wire Transfer, and Uphold.

US investors can instantly link their bank account via Plaid and submit a deposit request via an ACH transfer. ACH transfers are typically received and processed within 3 business days, but can take up to 5 business days.

Wire Transfers are typically received and processed within 1 business day, but can take up to 3 business days.

Limits on transfers from bank accounts vary per bank. Please contact your bank regarding your limits.

Uphold  is a separate company from Linqto, but one that we partner closely with. Uphold’s digital wallet can hold US dollars, foreign currencies, cryptocurrencies, commodities, and other assets. All of these assets can be used to fund your individual cash account at Linqto. Uphold's 'anything to anything' platform facilitates the conversion to USD when an order is placed.

Once you've created your account, go to the Wallet page and choose the cash account you would like to fund. Selecting 'Add Funds' will prompt you to choose your funding method, where you can choose from your linked accounts or view the wire transfer instructions. We'll notify you once the deposit has been processed and the funds will be available to you when you go to place an order.

When will my deposits be available in my cash balance?

ACH Bank Transfers are typically received and processed in 3 business days, but can take up to 5 business days. Wire Transfers are typically received and processed within 1 business day, but can take up to 3 business days. Uphold transfers are available immediately. We'll notify you via email when your deposit is available to use.

Please note that the speed in which your deposits are available depends on when your bank processes your request, which is typically done during business hours. Each bank has its own settlement process and timeline, which is why we recommend contacting your bank if you ever feel that a deposit is taking too long.

Are there fees for transferring money to my cash balance?

Linqto does not currently charge any fees or place limits on deposits, withdrawals, or to maintain your cash balance. Most banks do not charge a fee for ACH deposits, however many do charge a wire transfer fee. Check with your bank regarding transfer fees.

Uphold does not charge a fee for transferring USD, but does charge fees when transferring from other currencies. Click Here to view Uphold fees.

How is my cash balance protected?

Cash balances reside in a JPMorgan Chase bank account, so you can rest assured that your funds are protected. JPMorgan Chase is one of the largest financial services companies in the world, is ranked as the world's most systemically important bank by the G20 Financial Stability Forum, and has the highest capital requirements among the largest banks in the US. 

Additionally, your Linqto account is protected by Two-Factor Authentication (2FA), which requires two sources of verification to sign in to your account: something you know (your password) and something you have (a one-time verification code). This step helps protect your account, even if someone knows or guesses your password.

Does my cash balance earn interest?

No, cash balances are in a non-interest bearing account.

How can I withdraw money from my cash balance?

You can withdraw your money at any time with no cost to you. Click here to contact our team and we'll work with you to confirm your banking information and amount you'd like to withdraw. The transfer is typically completed within 5 business days after we've processed the request.

Why was my deposit rejected or returned?

A transfer reversal can happen for a few reasons, including:

-Name mismatch between Linqto account and bank account
-Insufficient funds
-Account doesn’t support ACH transactions
-Duplicate transfer
-Declined transfer

Contact your bank if you have questions regarding a rejected or returned deposit.

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