• 把您的IBKR賬戶與WISE賬戶關聯進行注資
• 把IBKR不直接支持的貨幣（例如羅馬尼亞列伊（RON）、保加利亞列弗（BGN）、馬來西亞令吉（MYR）、印度尼西亞盧比（IDR））從您的本地銀行轉帳至Wise，然後在Wise將其兌換成IBKR支持的貨幣（例如歐元（EUR）、美元（USD）等）存入您的IBKR賬戶。
• 從現有的Wise餘額向您的IBKR賬戶轉帳以及從IBKR賬戶轉回Wise

簡介

客戶如選擇關戶，則應在關戶前取走或轉走賬戶中的全部現金及證券餘額。賬戶一旦被關閉，就無法再進行交易。然而，在少數情况下，可能會有資産被存入已關的賬戶。正如在關戶時向客戶披露的，鑒于已關賬戶不再能使用交易平臺兌換貨幣，被存入已關賬戶的現金餘額不論金額大小，都將自動被兌換爲基礎貨幣。

下文將介紹前述情况發生的背景以及客戶應如何提取相關資産。

關戶後産生餘額

儘管關戶後通常不會再有資産存入，但在以下情况下仍可能導致賬戶産生餘額：

• 關戶時選擇通過支票提取賬戶餘額，而客戶未在90天內兌現該支票，進而導致支票交易被IBKR取消；或者，由于支票遺失、被盜或未送達，客戶要求止付。
• 關戶時選擇通過電子渠道（如電匯、ACH、EFT）提取賬戶餘額，但資産後被接收銀行退回了IBKR。這可能是由于客戶在接收銀行處的賬戶已關閉或IBKR的賬戶名稱和銀行的賬戶名稱不一致（如第三方轉帳的情况），導致接收銀行拒收幷退回資金。
• 賬戶被關後收到了之前多扣的股息稅退還的稅款。
• 開戶人在賬戶未成功開立前向賬戶存入了資金，而該賬戶一直未被IBKR批准或被開戶人遺弃。
• 關戶時選擇將資産轉至其它經紀商，但資産在關戶後被經紀商退回。

提取資産

要提取現金，請登錄客戶端，依次選擇轉帳與支付和轉帳資金菜單，然後系統會顯示可用的取款方式及您在賬戶開立狀態時創建的銀行存取款指令列表。選擇一個適用于要提取的幣種的可用存取款指令。

如您的賬戶內有持倉，請聯繫退回持倉的經紀商，請求將該筆持倉重新轉回。請注意，您無法通過已關閉的賬戶提交委托單平倉。

常見問題解答

問：如果我不記得我的登錄驗證信息、無法登錄客戶端怎麽辦？

答：如您需要登錄賬戶方面的幫助，請致電您當地的客服中心。爲防止無授權的用戶登錄您的賬戶，此類請求需要口頭驗證您的身份。聯繫信息請見我們的網站。

問：我如何確定我賬戶中的餘額？

答：您可通過賬戶活動報表瞭解賬戶餘額及其組成。每日、每月及年度報表可通過客戶端的報告/稅務報告菜單在綫查看。

問：我可否重開已關閉的賬戶？

答：已關閉很長時間且只是爲了提取資産而申請重開的賬戶通常不能重開。如您希望重開賬戶幷長期使用我們的經紀服務，請聯繫您當地的客服中心獲取幫助。

問：如果我希望通過支票提取資金而我的地址變了會怎麽樣？

答：如果您的賬戶可通過支票提取資金（只支持美元取款且要求客戶有美國的郵寄地址）而您記錄在我們這裏的地址不再準確，則您將無法在綫更改您的地址。在這種情况下，請聯繫客服告知我們您的最新地址，客服人員將指導您如何上傳駕照或其它可被接受的文件副本。

問：如果我想通過電子渠道取款而我的賬戶沒有有效的銀行存取款指令，這種情况下怎麽辦？

答：如果您目前沒有可用的銀行存取款指令，請登錄客戶端幷使用“轉帳與支付”菜單添加新的指令。請注意，IBKR有權通過口頭驗證及/或要求客戶提交文件的方式來驗證新的存取款指令。該驗證步驟旨在防止客戶因無授權的第三方轉帳而蒙受損失。

問：開戶實體的銀行賬戶被注銷了或實體不再存在了。這種情况下如何取款？

答：如果無法以關戶時的賬戶持有人的名義取款，則IBKR將嘗試按實體所有人的所有權比例來向所有人分配資金。請注意，這通常要求所有人提交文件來證明其身份及其所有權權益，幷提交有所有人簽字的保證和補償書，承諾其提供的信息是準確的，且除他們以外，沒有其它所有人或債權人對賬戶資金有索取權。IBKR也有權要求由律師提供獨立意見，證明所有人提供的信息的準確性。

問：如果我不采取行動來提取已關賬戶內的資産會怎麽樣？

答：IBKR會嘗試通過客戶留在我司處的郵箱來通知已關賬戶的持有人賬戶內有餘額。如果賬戶持有人在通知發出後30天內不采取行動取款，則將被收取20美元/月的已關賬戶費用。另外，還請注意，根據法規要求，IBKR有義務將“被遺弃賬戶”內的資産上交給客戶居住的州政府（如果客戶居住在美國以外，則上交給康涅狄格州）。對于賬戶多久無活動會被歸爲“不活躍”，各州的規定不同，但最短可爲3年。關于如何從州政府出取回無主財産的詳細信息，請見知識庫文章2599。

簡介

作爲反洗錢工作的一部分，IBKR會對某些客戶存款和取款實施限制。該等限制針對的是具有較高反洗錢風險之國家相關的轉帳，同時會考慮客戶的居住地、取款目的地和轉帳資金的計價幣種等因素。¹下方對該等限制進行了簡要介紹。

限制概述

• 在被認定爲具有較高反洗錢風險之國家居住或擁有聯繫地址的客戶不得將資金取到位于另一具有較高反洗錢風險之國家的賬戶，除非其在該國也有聯繫地址。
• 在被認定爲具有較高反洗錢風險之國家居住或擁有聯繫地址的客戶不得從位于另一具有較高反洗錢風險之國家的賬戶發起存款，除非其在該國也有聯繫地址。
• 在被認定爲具有較高反洗錢風險之國家居住或擁有聯繫地址的客戶只能將資金取到其曾從中收到過存款的自己名下的賬戶。
• 客戶只能以基礎貨幣、其本國貨幣或通用貨幣（如USD、EUR、HKD、AUD、GBP、CHF、CAD、JPY和SGD）取款。
• IBSG的客戶只能以SGD、USD、CNH、HKD和GBP取款。
• IBKR會對客戶取款的目標銀行數目進行限制，不論客戶或銀行的所在國家或地區。

請注意，客戶如果要創建被限制的在綫銀行指令或發起被限制的存款或取款，系統會阻止其操作幷報錯。

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.