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Why can't I invest or withdraw the full amount of cash in my account?

As we receive instructions on your account, cash may be reserved for those pending transactions. This is important to prevent cash intended for one transaction from being used to fund another. Your total cash may therefore not be available for investment or withdrawal.

In other cases, cash may not be available to withdraw if it is linked to an uncleared cheque, is reserved for your regular income payment, has recently been added and is still within the three day settlement period, or has yet to settle as part of a recent sell to cash instruction.

You can see what cash is available to invest or withdraw on your account summary page next to your current valuation when you log in online.