Transferring funds from your Capital.com trading account to your bank account is a straightforward process, but it's essential to understand the steps involved, potential timelines, and any considerations. This guide will walk you through everything you need to know to ensure a smooth withdrawal.
Ready to Access Your Funds? Let's Begin!
Feeling excited to get your trading profits or unused funds back into your bank account? Great! The process is designed to be user-friendly, and we're here to guide you every step of the way. Let's dive in!
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| How To Transfer Money From Capital.com To Bank Account |
Step 1: Log In to Your Capital.com Account
The very first action you need to take is to access your Capital.com account. You can do this either through their web platform or the Capital.com mobile app.
Sub-heading 1.1: Via the Web Platform
- Open your preferred web browser and navigate to the official Capital.com website.
- Locate the "Log In" button, usually found in the top right corner of the homepage.
- Enter your registered email address and password to access your trading dashboard.
Sub-heading 1.2: Via the Mobile App
- Launch the Capital.com app on your smartphone or tablet.
- Input your login credentials (email and password).
- If you have biometric login enabled (fingerprint or face ID), you might be able to access your account even faster.
Step 2: Navigate to the Withdrawal Section
Once you're successfully logged in, you'll need to find the dedicated section for managing your funds, specifically withdrawals.
Sub-heading 2.1: On the Web Platform
- Look for a menu on the left-hand side or a prominent button in the top right corner. Common labels include "Settings," "My Account," "Live," or "Payments."
- Click on the relevant option, then look for "Withdraw" or "Withdraw Funds."
Sub-heading 2.2: On the Mobile App
- Tap on "Account" (often represented by a profile icon or similar).
- Then, navigate to "Payments" and finally select "Withdraw."
Step 3: Select Your Withdrawal Method
Capital.com offers various withdrawal methods, but for transferring to your bank account, you'll typically be looking for "Bank Transfer" or "Wire Transfer."
QuickTip: Treat each section as a mini-guide.
Sub-heading 3.1: Choosing "Bank Transfer"
- On the withdrawal screen, you'll see a list of available withdrawal methods.
- Select "Bank Transfer" as your preferred option. Note that for some regions, a "Direct Bank Transfer via Lean" might be available, offering faster processing for UAE bank accounts.
Sub-heading 3.2: Important Considerations for Bank Transfers
- Match Account Names: Capital.com adheres to strict Anti-Money Laundering (AML) policies. This means that funds can only be withdrawn to a bank account held in your name – the same name registered with your Capital.com trading account. Third-party withdrawals are not permitted.
- Previously Used Deposit Methods: Capital.com often prioritizes withdrawing funds back to the original source of deposit. If you funded your account via bank transfer, withdrawing to that same bank account is generally the smoothest process. If you used other methods like debit/credit cards, you might be required to withdraw a portion to those cards first, and then the remaining balance via bank transfer.
Step 4: Enter Withdrawal Details
This is where you provide the specifics of where you want your money to go. Accuracy is paramount here to avoid delays or complications.
Sub-heading 4.1: Specifying the Amount
- You will see your "Available for Withdrawal" balance.
- Enter the exact amount you wish to withdraw.
- Be aware of minimum withdrawal limits. Capital.com generally has a minimum withdrawal of $50 USD (or equivalent in your account currency) for bank transfers. If your balance is less than this, you may need to withdraw the full amount.
Sub-heading 4.2: Providing Bank Account Information
- You will need to input your bank account details. This typically includes:
- Bank Name: The full legal name of your bank.
- Bank Address (optional but helpful): The physical address of your bank branch.
- Account Holder Name: Your full name, exactly as it appears on your bank account.
- Account Number: Your complete bank account number.
- SWIFT/BIC Code: This is a unique international code for your bank. You can usually find it on your bank statements or by contacting your bank.
- IBAN (International Bank Account Number): If you are in a country that uses IBANs (common in Europe), you will need to provide this.
Sub-heading 4.3: Verification Requirements
- In some cases, especially for your first bank transfer withdrawal or for large amounts, Capital.com may require bank statement verification. This is a security measure to confirm account ownership and prevent fraud.
- Your bank statement should clearly show:
- Your full name.
- Your account number (and sort code if applicable).
- Your bank's name or logo.
- It should ideally be a PDF from your bank's app or sent via email. Photos/screenshots may be accepted if clear and complete.
Step 5: Review and Confirm Your Withdrawal Request
Before finalizing, take a moment to double-check all the information you've entered.
- Review: Carefully review the withdrawal amount, your bank account details, and any other information provided. Even a single incorrect digit can cause significant delays or lead to funds being sent to the wrong account.
- Confirm: Once you are satisfied that all details are correct, click the "Confirm" or "Submit Withdrawal" button.
Step 6: Processing and Receiving Your Funds
After submitting your request, Capital.com begins processing it.
Sub-heading 6.1: Capital.com's Processing Time
- Capital.com states that they process all withdrawal requests within 24 hours.
- In 91% of cases, they process withdrawals within 5 minutes (based on their internal server data from 2024).
Sub-heading 6.2: Bank Processing Time
- While Capital.com processes the request quickly, the time it takes for the money to actually appear in your bank account depends on your bank and the international banking system.
- Funds can typically take up to five business days to reach your bank account.
- For wire transfers, it could potentially take longer, sometimes up to 14 days, especially for international transfers, due to intermediary banks.
Sub-heading 6.3: Tracking Your Withdrawal
- You may receive email notifications from Capital.com regarding the status of your withdrawal.
- Check your Capital.com account's "Transaction History" or "Withdrawals" section to monitor the progress of your request.
Step 7: What to Do if There's a Delay or Issue
While the process is usually smooth, sometimes unforeseen issues can arise.
Tip: Skim once, study twice.
Sub-heading 7.1: Common Reasons for Delays/Declines
- Missing or Incorrect Documents: If Capital.com requested verification documents and they were not provided or were incomplete/unclear.
- Name Mismatch: If the name on your bank account doesn't exactly match your Capital.com account name.
- Insufficient Funds: If your available balance is lower than the minimum withdrawal amount or if closing positions would free up more funds.
- Bank Rejection: Your bank might reject the incoming transfer for various reasons (e.g., incorrect details, security flags).
- Exceeded Transaction Limit: For very large withdrawals, you might need to split them into smaller amounts.
Sub-heading 7.2: Contacting Capital.com Support
- If your withdrawal is delayed beyond the expected timeframe or is declined, the first step is to contact Capital.com's customer support.
- They offer 24/7 support via:
- Live Chat: Often the fastest way to get immediate assistance.
- Email:
support@capital.com - Phone:
+44 2080893577(international number)
- Be ready to provide your trading account ID and details of your withdrawal request.
Frequently Asked Questions (FAQs)
Here are 10 common questions related to withdrawing funds from Capital.com to your bank account:
How to check my available withdrawal balance on Capital.com?
You can check your available withdrawal balance by navigating to the "Withdraw" section within your Capital.com account, either on the web platform or the mobile app. It will typically show the "Amount available for withdrawal."
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How to find my bank's SWIFT/BIC code for withdrawal?
You can usually find your bank's SWIFT/BIC code on your bank statements, on your bank's official website, or by contacting your bank's customer service directly.
How to speed up the Capital.com withdrawal process?
Ensure all your account verification documents are up-to-date and approved. Always use a bank account registered in your name, and provide accurate bank details to avoid delays caused by incorrect information. Capital.com themselves process requests very quickly, so the main variable is your bank.
QuickTip: Read in order — context builds meaning.
How to avoid withdrawal fees from Capital.com?
Capital.com itself states that it does not charge withdrawal fees. However, your bank or any intermediary banks involved in the transfer might impose their own charges, which are outside of Capital.com's control.
How to withdraw funds if my bank account details have changed?
If your bank account details have changed, you will need to update them in your Capital.com profile and likely provide new verification documents (like a recent bank statement) to confirm the new account ownership. Contact customer support for guidance on this.
How to resolve a declined withdrawal from Capital.com?
Check your email for any communication from Capital.com explaining the reason for the decline (e.g., missing documents, name mismatch). You can also go to the "My requests" section in the app or contact their customer support for clarification and steps to resolve the issue.
How to confirm my bank account is linked for withdrawals?
When you initiate a withdrawal, Capital.com often allows you to select from previously used or linked bank accounts. If your account isn't listed, you'll need to enter its details, which effectively links it for future withdrawals after successful processing.
Tip: Read at your natural pace.
How to check the status of my withdrawal request?
You can usually check the status of your withdrawal request within the "Transaction History" or "Withdrawals" section of your Capital.com account. You may also receive email updates regarding its progress.
How to cancel a withdrawal request on Capital.com?
Depending on the processing stage, you may be able to cancel a withdrawal request if it hasn't been fully processed by Capital.com yet. Check your withdrawal history for an option to cancel or immediately contact Capital.com's customer support.
How to know the minimum and maximum withdrawal limits?
Capital.com generally has a minimum withdrawal limit of $50 USD (or equivalent). There isn't a widely advertised maximum withdrawal limit, but for very large sums, you might need to make multiple withdrawals or confirm with support if there are any daily transaction limits.
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