When your money is available in your InvestEngine portfolio depends on how you add it. Here’s what to expect for each payment method.
A working day is Monday to Friday, excluding UK bank holidays.
Instant bank transfer
If you add money using an instant bank transfer through Open Banking, your funds will normally appear in your portfolio balance immediately.
Manual bank transfer
If you make a manual bank transfer from your bank account, your funds will usually arrive on the same working day. Please allow up to one working day.
Make sure you use the portfolio reference shown when you set up the transfer. An incorrect or missing reference may delay the payment being added to your portfolio.
Savings Plan (via C-VRP)
If your Savings Plan uses a Commercial Variable Recurring Payment (C-VRP), your payment typically arrives the same day in your portfolio.
Savings Plan (via Direct Debit)
If your Savings Plan uses Direct Debit, your funds typically appear in your portfolio 3–5 working days after the payment is collected from your bank account.
Setting up a new Direct Debit takes additional time, so your first payment may take longer.
When will my money be invested?
Once your funds are available, when they’re invested depends on your portfolio and whether an investment order has been placed.
For more information about trading times, see When Will My Order Be Executed?
You may also be interested in our Setting up a Savings plan article.
What if my funds haven’t arrived?
You can check your payment in the Transactions tab of your InvestEngine account. If your funds haven’t arrived within the expected timeframe, please get in touch and we'll be happy to help.