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When will my deposits be available in my cash balance?

The speed in which funds are available are based on how they were deposited.

Uphold deposits are available instantly.

ACH transfers are eligible for instant access to funds for deposits up to $25.5k (limits apply) — Deposits made over that limit must settle through the traditional route which typically takes 2-3 business days.

Domestic wires typically take 1-3 business days to arrive. International wires could take up to 5 business days.

After a deposit has been received and added to your account, you'll be notified via email. Each bank has their own process and timeline; in the event your deposit is taking longer than expected, we recommend contacting your bank to investigate.

Are there fees for transferring money to my cash balance?

Linqto does not charge any fees on deposits or withdrawals. Your bank may charge fees to send a wire transfer, while ACH payments are most often free to send. We recommend contacting your bank to see what fees may be incurred.

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.

How can I withdraw money from my cash balance?

To withdraw, please navigate to your wallet and select the specific cash account you would like to withdraw from (if you have an entity set up within your account you will see multiple cash accounts). Once within your cash account, click withdraw, make sure that the funds are available for withdrawal, and continue to follow the prompts to complete your request.

If funds were deposited via ACH, they cannot be withdrawn from the platform until 5 business days after settlement. You'll be able to withdraw the funds once you see the "Available For Withdrawal" balance updated within your wallet. Funds deposited via wire transfer or Uphold are settled immediately and therefore can be withdrawn as long as the "Available For Withdrawal" balance is updated.

Please also note, funds must be returned to their original funding source unless it's been over 90 days.

If you have made a deposit but have not purchased on the platform, you will be prompted to contact us to submit the withdrawal request for you.

Why was my deposit rejected or returned?

We typically only see rejections or returns for ACH and wire deposits. 

ACH deposits are most frequently rejected due to insufficient funds, the account not supporting ACH transfers, the account being closed, or the payment being stopped. In the event of a rejection, we will notify you via email. 

Wire transfers are typically rejected due to incorrect wiring instructions. Generally we see that the routing number or the Swift/BIC code is used incorrectly. Domestic transfers need to use the account and routing number whereas international transfers need to use the account number and Swift/BIC code. In the event of a rejection, the wire confirmation (which can be received from your bank) will outline all the details used and can be compared to your Linqto wiring instructions.

If you have questions regarding a failed transfer, contacting your bank is the best place to start. 

Can I invest through an IRA, LLC, Trust, or other business entity?

Yes! Once you’ve verified your status as an accredited investor, you can add a Self-Directed IRA, Solo 401k, LLC, Trust, or similar business entity to your profile as a sub-account to act as a separate Purchaser. With the same login credentials, you'll be able to manage the investments made through each separate entity (ie- your individual investments and the investments of your LLC or other entity), and each sub-account will have its own Cash Account for funding. When you would like to invest, you’ll be presented with a dropdown menu where you can choose to invest through your personal account or your LLC/Trust/etc.

Specifically for IRAs, Linqto members can only invest using a Self-directed IRA. Self-directed IRAs provide investors with a much wider range of investment opportunities including alternative investments such as precious metals, real estate, or private placements.

When investing through an entity, all the entity's holdings and investment documents will be issued in the name of that entity and can be accessed at any time from your portfolio.

To add a sub-account, click the "I Want to Add an Entity" button in your Investor Profile and our team will help set that up for you.

What are Linqto Bucks?

Linqto Bucks are credits that you can use to lower your cost basis when making an investment. They are eligible to cover up to 10% of the order and cannot be combined with other special offers. When placing your order, you can elect to use Linqto Bucks in the "Apply Discounts" section of the order screen.

For example, if you were making a $10,000 investment and applied $1,000 Linqto Bucks, you would only pay $9,000 when you place the order but would still receive the equivalent shares worth $10,000. Note: The Cost Basis for this example is $9,000

You can learn more by reviewing the Linqto Bucks Terms and Conditions.

How do I get Linqto Bucks?

As part of our referral program, the primary way to obtain Linqto Bucks is to refer someone to Linqto with your personalized referral link. If your referral makes a purchase, you'll receive $1,000 Linqto Bucks to be used towards your next investment. There is no limit on the amount of Linqto Bucks you can earn.

Once you're signed in, click here and you can copy your referral link to share and start earning Linqto Bucks.

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