Что значит "Ожидание консультанта" в статусе моего запроса о снятии средств?

Overview: 

Выполнив вход в "Управление счетом", запросившие вывод средств владельцы клиентских счетов могут увидеть статус "Ожидание консультанта" в разделе "История транзакций".

Информация:

Клиенты консультантов могут использовать "Управление счетом", чтобы создавать запросы о выводе средств так же, как любые другие частные лица. После отправки клиентом подобного запроса консультанту понадобится его одобрить. Если консультант не даст своего согласия, снятие средств все равно совершится, но с задержкой на 3 рабочих дня.

 

Шаги для подтверждения консультантом:

После отправки клиентским счетом запроса о снятии средств консультант получит уведомление о нем по электронной почте. Чтобы дать свое согласие, консультанту потребуется войти в "Управление счетом", открыть раздел Упр. клиентами, Панель управления, выбрать вкладку Вопросы на рассмотрении и нажать кнопку "Согласие", чтобы ускорить обработку запроса.

 

Примечание о периоде резервирования:

Для обеспечения своевременной обработки клиентских запросов о выводе, суммы, превышающие 80% доступных средств, удерживаются до получения согласия консультанта или в течение 3-х календарных дней, если данный срок истечет раньше. Суммы, составляющие меньше 80%, удерживаются до получения согласия консультанта или до следующего рабочего дня.

Данный период существует, чтобы мы могли оповестить консультанта о Вашем запросе о выводе и при необходимости дать ему время сделать эти средства доступными.

Significato dello stato "In attesa del consulente finanziario" accanto alle richieste di prelievo

Overview: 

Nella sezione storico transazioni del menu Gestione conto è possibile trovare lo stato "In attesa del consulente finanziario" associato ai conti dei clienti che hanno effettuato l'accesso e richiesto di effettuare un prelievo.

Informazioni:

In base alla struttura dei consulenti finanziari è possibile richiedere prelievi relativi al proprio conto semplicemente accedendo allo stesso menu Gestione conto usato per il conto individuale.  Una volta inoltrata la richiesta di prelievo, è necessaria l'autorizzazione del proprio consulente.  Qualora la richiesta non venga autorizzata, il prelievo sarà comunque elaborato, ma la procedura potrebbe richiedere fino a 3 giorni lavorativi.

 

Procedura di approvazione:

Una volta inoltrata la richiesta di prelievo dal proprio conto cliente, il relativo consulente ne verrà informato tramite una notifica via email e potrà autorizzare la richiesta accedendo alle voci Clienti, Cruscotto e Elementi in sospeso dal menu Gestione conto.  È possibile accelerare la procedura di prelievo in sospeso semplicemente cliccando sul pulsante "Consenso".

 

Informazioni in merito alle richieste in sospeso:

Al fine di poter assicurare una tempestiva elaborazione delle richieste di prelievo da parte dei clienti, eventuali richieste superiori all'80% dell'importo prelevabile resteranno in sospeso fino alla ricezione dell'approvazione del consulente, o, in alternativa, fino ai 3 giorni lavorativi successivi alla richiesta.  Qualora l'importo richiesto sia inferiore all'80%, il periodo di attesa cesserà alla ricezione dell'approvazione del consulente, oppure entro il giorno lavorativo successivo alla richiesta.

Tali tempi di attesa permettono al consulente di essere informato delle richieste di prelievo e di disporre del tempo necessario a reperire eventuali fondi.

Was bedeutet der Status „Warten auf Berater“ neben meinem Auszahlungsantrag?

Overview: 

Im Bereich „Transaktionsverlauf“ in der Kontoverwaltung sehen Kunden, die eingeloggt sind und einen Auszahlungsantrag gestellt haben, unter Umständen den Status „Warten auf Berater“.

Informationen:

Unter der Beraterstruktur können Kunden Auszahlungen ebenso wie jeder Einzelkundenkonto-Inhaber beantragen, indem sie sich in die Kontoverwaltung einloggen. Sobald ein Auszahlungsantrag durch ein Kundenkonto gestellt wurde, muss der Berater seine Zustimmung zu dem Antrag erteilen. Stimmt der Berater dem Antrag nicht zu, so wird der Auszahlungsantrag dennoch bearbeitet, aber es kann zu einer Verzögerung von bis zu drei Geschäftstagen kommen.

 

Bestätigungsschritte des Beraters:

Sobald ein Auszahlungsantrag von einem Kunden eingereicht wurde, erhält der Berater eine Benachrichtigung per E-Mail, die ihn über den Auszahlungsantrag des Kunden in Kenntnis setzt. Um den Antrag zu bewilligen, muss sich der Berater in die Kontoverwaltung einloggen und dort dem Menüpfad Kunden verwalten > Zentrale Steuerung folgen und den Reiter Offene Punkte auswählen. Anschließend kann der Berater auf die Schaltfläche „Zustimmen“ klicken, um die Bearbeitung des offenen Auszahlungsantrags voranzutreiben.

 

Hinweis zu Haltefristen:

Um eine zügige Bearbeitung der von Kunden gestellten Auszahlungsanträge zu gewährleisten, gilt für Auszahlungen, deren Volumen einen Grenzwert von 80% des zur Auszahlung verfügbaren Gesamtbetrags überschreitet, eine Haltefrist bis zur Zustimmung durch den Berater oder eine Frist von drei Kalendertagen, wobei das erste eintretende Ereignis maßgeblich ist. Für Beträge unterhalb des Grenzwerts von 80% gilt eine Haltefrist bis zur Zustimmung durch den Berater oder alternativ bis zum nächsten Geschäftstag.

Diese Haltefristen werden angewandt, um sicherzustellen, dass Ihr Berater über Ihren Auszahlungsantrag informiert ist und im Bedarfsfall genug Zeit hat, um Guthaben verfügbar zu machen.

Overview of Dodd-Frank

Background
The Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly referred to as Dodd-Frank, is a U.S. law enacted in July of 2010, the purpose of which is to prevent the recurrence of events which lead to the 2008 financial crisis. Its principal goals are to:

- Promote U.S. financial stability by improving accountability and transparency within the financial system;
- Protect taxpayers from future bailouts of institutions deemed “too big to fail”; and
- Protect consumers from financial services practices considered abusive.

For additional information, please review the following sections:
- Dodd-Frank reforms
- Dodd-Frank and your IB Account

 

 

 

 

 

Dodd-Frank Reforms
To accomplish its goals, Dodd-Frank proposed the following reforms:

- Enhanced oversight and supervision of financial institutions through the creation of Financial Stability Oversight Council
- Creation of a new agency responsible for implementing and enforcing compliance with consumer financial laws (Bureau of Consumer Financial Protection)
- Implementation of more stringent regulatory capital requirements
- Changes in the regulation of over the counter derivatives including restrictions upon access to Federal credit by swaps entities, establishment of regulatory oversight and mandatory trading and clearing requirements
- Enhanced regulation of credit rating agencies intended to eliminate exemptions from liability, enhance rating agency disclosure, establish prohibited activities and impose standards for independent Board governance
- Changes to corporate governance and executive compensation practices
- Incorporation of the Volcker Rule which imposes restrictions upon the speculative proprietary trading activities of banking entities
- Mandating studies intended to reform investor protection rules
- Changes to the securitization market including requirements that mortgage bankers retain a % of risky loans.

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Dodd-Frank and Your IB Account
Perhaps most visible to IB account holders of all the Dodd-Frank regulations are those relating to money transfers. Here, Section 1073 of the Act introduces consumer protections designed to increase transparency with respect to the costs, timing and the right to repudiate cross-border transactions.
For purpose of Section 1073, a cross-border transaction is defined as an electronic transfer of money from a consumer in the United States to a person or business in a foreign country. As IB LLC is a U.S. based broker, all its account holders regardless of whether they are domiciled in the U.S. or not, benefit from this protection and it covers withdrawals denominated in a currency other than the U.S. dollar as well as USD denominated withdrawals sent to a non-U.S. bank. Account holders submitting a withdrawal which is covered by this regulation will be provided with a disclosure after confirming the request within Account Management. This disclosure will include the following information:

- The name and address of the sender and recipient
- The amount to be deducted from the sender’s IB account
- The amount projected to be credited to the recipient’s bank account including an estimate of fees which the receiving bank's correspondent bank(s) may charge. Note that these correspondent bank fees are not set by nor is any part of them earned by IB.
- A disclaimer that additional fees and foreign taxes may apply.
- Notice of the sender’s right to cancel the transfer request for a full refund within 30 minutes of it being authorized.
- Regulatory contact information in the event of questions or complaints.

When estimating correspondent bank transfer fees, IB takes into consideration information collected from past customer transactions in addition to data made available by our agent banks. We encourage our customers to review and consider this information when making decisions regarding cross-border transactions.

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ACATS Transfer Guide (US brokerage account transfers)

ACATS Transfer Guide

Introduction

ACATS Transfer Benefits

Navigating The Process

Incoming Or Outgoing

Initiating Your Transfer

What To Expect

Who To Contact For Help

 

Introduction

Understanding the basic facts about transferring accounts between US brokerage firms can be help to avoid delays.  Through this article and other Knowledge Database resources, Interactive Brokers seeks to assist with your incoming and outgoing ACATS requests.

US brokerage firms utilize a standardized system to transfer customer accounts from one firm to another.  Known as the Automated Customer Account Transfer Service or ACATS, the process allows assets to move seamlessly between  brokerage firms in a unified time frame.   ACATS transfers are facilitated by a third party, the National Securities Clearing Corporation (NSCC), to assist participating members with timely asset transfers.

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ACATS Transfer Benefits

The majority of assets may be transferred between US brokerage firms and some banks through ACATS.  This standardized system includes stocks, US corporate bonds, listed options, unit investment trusts, mutual funds, and cash.  Information on assets eligible for transfer is provided at "Assets Eligible..."  Though impacted by multiple factors and time constraints, the accepted or rejected transfers finalize within 10 business days in most cases.

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Navigating The Process

4 simple steps of the ACATS process will help you understand the flow and minimize delays.  Familiarizing yourself with the transfer process helps to ensure a successful transition.

1.  Incoming or Outgoing

2.  Initiating Your Transfer

3.  What to Expect

4.  Who to Contact For Help 

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 1. Incoming or Outgoing

 

Incoming ACATS Transfers

The financial institution that is receiving your assets and account transfer is known as the "receiving firm."  Investors always work with and through the "receiving firm" to move full or partial account assets into a new broker. 

Contact the "receiving firm" (Interactive Brokers) to review the firm's trading policies and requirements.  You should verify that your assets are eligible for trading at the "receiving firm" before initiating the transfer request.   Not all ACATS transferable assets are acceptable for trading at every brokerage firm.

Outgoing ACATS Transfers

All outgoing ACATS transfers, full or partial, must be approved by the "delivering firm."  Investors, however, should work with and through the "receiving firm" in order to begin the the transfer process or to status the progress of the request.      

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2. Initiating Your Transfer

Investors must always begin the ACATS transfer with the "receiving firm."  An ACATS transfer form or Transfer Initiation Form (TIF) must be submitted.  The "receiving firm" takes your reqeust and communicates with the "delivering firm" via ACATS.  The process begins with this request for transfer of the account. 

For your Interactive Brokers Account, the transfer is usually submitted online.  Video instruction on submitting the transfer is provided at "How to deposit funds via a full ACATS/ATON Transfer."  or through Step-by-step instructions.

Note: Outgoing account transfers from your IB account should be directed to the other broker.  Your request will be submitted to IB from the other broker through the ACATS electronically.

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3. What to Expect

Your Account

Brokers ensure the safety and security of transfer requests by only authorizing requests between open accounts that meet the following criteria:

  • Same Account Title
  • Same Tax ID Number
  • Same Account Type

Transfer Approval

Ultimately responsible for validating the transfer,  the "delivering firm" may accept  information from the "receiving firm" correcting data originally entered.  Approved or validated requests result in the delivery of positions to the "receiving firm" for their acceptance.   Assets may not be accepted by the "receiving firm" for the following:

  • Non-marginable or Margin (credit) violation
  • Not Tradable
  • DTC Chill

Note: The most common reasons for ACATS rejections are outlined by clicking here.

Processing Time-frame

The processing time for each transfer request is fixed.  In general, approved transfers complete within 4 to 8 business days.  Almost all transfers complete within 10 business days.  Each firm is required to perform certain steps at specific intervals in the process.  Feel free to review the Full ACATS transfer process flow.

 

Fees

While Interactive Brokers does not charge a fee to transfer your account via ACATS, some brokers do apply a fee for full and partial transfers. Prior to initiating your transfer, you should contact the "delivering firm" to verify any charge.

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4.  Who To Contact For Help

Interactive Brokers Customer Service stands poised to assist with your incoming ACATS transfer reqeust.  Click here for Customer Service contact resources.

Note:  Outgoing or ACATS transfers sending accounts to another broker should be directed to the "receiving firm."  Their Account Transfer Group will work with Interactive Brokers directly to complete your outgoing request.

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How to Deposit Funds Via a Partial ACATS/ATON Transfer

How to deposit funds to your Interactive Brokers account via a partial ACATS or ATON transfer

 

How to Deposit Funds Via a Check

How to deposit funds to your Interactive Brokers account via a Check

How to check the status of funding transactions.

Overview: 

IB provides account holders with a tool that provides real-time updates and current status of all deposit and withdrawal transactions relating to both cash and positions which have taken place over the prior 45 calendar day period. This tool is made available through the secure Account Management application and may be accessed via the Funds Management and then View Transaction History menu options.

Upon entering the View Transaction History screen, information is organized and made viewable via the following five tabs: 

  1. Cash Deposits – includes transaction detail (deposit type, amount and delivering institution) along with key processing dates (when notified, arrived, credited to equity and made available for withdrawal) and current status (e.g. pending, approved, canceled, completed, expired).
  2. Cash Withdrawals – includes transaction detail (withdrawal type, amount and receiving institution) along with key processing dates (when requested and sent) and current status.
  3. Position Transfers In – includes transaction detail (transfer type and delivering institution) along with key processing dates (when notified, arrived, credited to equity and made available for withdrawal) and current status.
  4. Position Transfers Out – includes transaction detail (withdrawal type and receiving institution) along with key processing dates (when notified and sent) and current status.
  5. Bank Instructions – in the event the transaction requires creation of an instruction for the purpose of providing IB with the necessary account specific information and authorization to act (i.e., if the deposit method dictates that IB pull funds directly from the client’s account or if the withdrawal method dictates that IB push funds directly to the client’s account) information regarding that instruction will be presented here.  That information includes transaction detail (date created, function, method and institution) along with current status.

 

NOTE: Account holders may cancel transactions which are in a pending state by clicking on the red X located in the Action column which is provided within each of the above five screens.  In addition, the amount of a wire transfer deposit notifications may be modified by first clicking on the Modify link also located in the Cash Deposits Action column.   In order to complete the modification request, the account holder will need to enter the revised amount and/or currency and add the Customer Reference or Payment ID number as provided by the sending institution.

What does the 'Pending Advisor' status mean next to my withdrawal request?

Overview: 

In the Transaction History section of Account Management, client accounts who are logged in and have requested a withdrawal, may see the status as 'Pending Advisor'.

Information:

In the advisor structure, client accounts can request withdrawals by logging into Account Management just as any individual account would.  Once a withdrawal request is made by a client account, the advisor must consent to the request.  If the Advisor does not consent to the request, the withdrawal will still be processed, but there will up to be a 3 business day delay.

 

Advisor Steps to Confirm:

Once a withdrawal request has been submitted by a client account, the advisor will receive an email notification, stating that a client has requested a withdrawal.  In order to consent, the advisor must log into Account Management and navigate to Manage Clients then Dashboard and the Pending Items tab.  The advisor would then click the 'Consent' button in order to expedite the processing of the pending withdrawal.

 

Note about hold periods:

In order to ensure the timely processing of client initiated withdrawal requests, the hold period for withdrawals where the amount of the request is greater than 80% of the amount available for withdrawal, will be held until consented to by the advisor or 3 calendar days, whichever comes first.  For amounts representing less than 80% will be held until consented to by the advisor or the next business day.

These holds are in place to ensure that your advisor is aware of your withdrawal request and is afforded time to make funds available if necessary.

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