Need to access your money? With InvestEngine, you can withdraw funds at any time, and the process is simple, secure, and depends on the type of portfolio you hold.
How to make a withdrawal
- Log into your InvestEngine account
- Select the portfolio you'd like to withdraw from
- Click ‘Options’ and select ‘Withdraw Cash’
- Enter the amount you want to withdraw
- Confirm the withdrawal- funds will be sent to your nominated UK bank account
- Submit your request
You’ll get an email confirmation as soon as your withdrawal is in progress.
Withdrawal process by portfolio type
How your money is withdrawn depends on whether it’s already in cash or still invested:
Cash Portfolio
- If funds are held as cash, we’ll process your withdrawal on the same working day if submitted before 2pm
- The money should reach your nominated account the next business day
DIY Portfolio
- If your funds are already in cash, the withdrawal follows the same process as above
- If your funds are still invested, you’ll need to sell your ETFs first
- ETF trades settle in 2 business days
- Once settled, your cash becomes available for withdrawal
You can’t withdraw directly from invested holdings, they must be sold first.
Managed and LifePlans Portfolio
- If you’re making a partial withdrawal, we’ll sell part of your portfolio to cover the amount
- If you’re withdrawing everything, we’ll sell all investments and return the total cash balance
- Trades are placed the same day if your request is before 2pm
- Cash is typically available for withdrawal within 1–2 working days, depending on market conditions
How long does it take?
- Cash-only withdrawals (before 2pm): processed the same day, with funds received the next business day
-
Withdrawals involving investment sales:
- 2 working days for ETFs to settle
- Then 1 additional day for your bank transfer to complete
We’ll notify you once your cash is on its way.
Common withdrawal issues
- Investments not yet sold: ETFs must be sold before cash becomes available
- Pending or unsettled trades: Sales take 2 business days to settle
- Deposit still pending: Recently added funds must clear before they can be withdrawn
If you're unsure what’s causing a delay, contact our Client Support team- we’ll be happy to help.
Why This Process Matters
We’re a (Financial Conduct Authority) FCA-regulated investment platform. These steps ensure:
- Your money is safe and protected
- Withdrawals go only to verified bank accounts
- We comply with financial regulations and settlement timeframes