Deposit
To ensure a smooth and timely transfer of funds from your bank account to your trading account, please submit a deposit notification via the Client Portal before initiating the transfer. Without this notification, processing delays may occur.
Login
- Open your browser and visit the Client Portal website
- Enter your username and your password
- Authenticate yourself via two-factor authentication
Select Deposit and bank account
To initiate a deposit, go to the top menu and select Transfer & Pay, then click on Transfer Funds.
Next, under Deposit Funds, click Select to create a deposit notification.
If you’ve previously saved your bank account details, they will appear on the next screen. Choose the appropriate bank account and confirm the correct currency for the deposit.
For first-time deposits or if you are using a new bank account, select Use a new deposit method. For step-by-step instructions on how to add a new bank account, please refer to the FAQ section at the bottom of this page under: “Want to use a new deposit method?”.
Important: If you deposit funds in a currency different from your trading account currency, your funds may be subject to currency conversion. This can result in exchange rate differences and may affect the final credited amount. Please ensure you are aware of the applicable currency and potential conversion risks before proceeding.
Fill in bank details
After selecting a previously saved bank account, enter the desired Deposit Amount. The Transaction Reference Number field is optional.
If you wish to set up a recurring deposit from your bank account, you may check the box labeled Make this a recurring transaction? Please ensure that your bank supports recurring transfers before selecting this option.
When ready, click Get Transfer Instructions to view the specific payment details required to complete the deposit via your bank.
Note: Always verify that the bank account name matches the name on your trading account. Deposits from third-party accounts may be rejected or delayed in accordance with regulatory requirements.
Make your bank transfer
Follow the transfer instructions at the end of the deposit notification to transfer funds from your bank account to your trading account.
For prompt allocation of your deposit to your trading account, please ensure that you include your U-account number and your full name (or company name) in the payment reference field of your bank transfer.
Please note that generating a deposit notification does not initiate an automatic transfer from your bank account. To complete the deposit, you must manually follow the transfer instructions provided at the end of the deposit notification.
If you are making a deposit from a new or different bank account, please consult the FAQ section titled: Can I make a deposit from a new/different bank account? to ensure your transfer complies with applicable requirements.
FAQ
Want to use a new deposit method?
In In the top menu, select Transfer & Pay, then click Transfer Funds. To create a deposit notification, click Select under Deposit Funds.
On the deposit page, select Use a new deposit method, then choose the currency for your deposit and the appropriate Deposit Method. If you’re unsure which method to use, contact your bank for assistance. For EUR deposits within the EEA, SEPA is typically used.
Click Get Instructions next to your selected deposit method and fill in the required bank details:
- Save Bank Information? – Select Yes if you wish to store your bank details for future use.
- Sending Institution – Enter the name of your bank.
- Account Number – Enter your bank account number or IBAN.
- Account Nickname – This is the name under which your account data will be saved.
- Deposit Amount – Enter the amount you intend to transfer.
- Make this a recurring transaction? – Select this option if you wish to set up a recurring deposit.
When finished, click Get Transfer Instructions to view the details needed to complete the transfer from your bank.
Note: Deposits must be made from a bank account registered in your name. Transfers from third-party accounts may be rejected due to regulatory requirements.
When will my deposit be credited?
If you have created a deposit notification, transferred the funds from your bank in accordance with the provided instructions, and included your full name or company name and U-number in the payment reference field, your deposit will normally be credited within 1 to 3 business days.
If your deposit has not been credited within this timeframe, please check whether your deposit notification matches the payment details from your bank. If everything appears correct and the funds are still not visible, please contact your local customer service team for assistance.
How can I check my deposit notification?
You can view your current and past deposit notifications as well as withdrawal requests by navigating to the Transfer & Pay in the top menu of the Client Portal. From the dropdown menu, select Transaction Status & History. Please be aware that the accessible time range is limited to a maximum of 90 days.
What if I didn’t provide a payment reference in my bank transfer?
When transferring funds from your bank, it is important to include your U-number and your full name or company name in the message field of the transfer. This helps ensure correct and timely allocation to your trading account.
If you did not create a deposit notification before making the transfer, you can still create one afterward. This step is essential for the correct processing of your deposit.
If the payment reference was missing, please email proof of the bank transfer (e.g., a transaction confirmation or bank statement) to your local customer service team. We will then attempt to manually trace and allocate the funds to your trading account.
If we are unable to match the deposit to your account, the funds will be returned to your original bank account.
What if I want to make a deposit in a different currency?
When making a deposit in a different currency than previously used, you will need to select New Deposit Method. You can find more detailed instructions in this FAQ section titled: “How to add a new deposit method?“.
Why have my funds not been credited yet?
There are several reasons why your deposit may take longer to be credited.
The most common cause is that your U-number and/or full name or company name was not included in the message field of the bank transfer. Without this information, the allocation to your trading account may be delayed.
Additionally, bank holidays, either in your country or the receiving country, can extend the processing time.
A further delay may occur if you are making a fourth deposit within five days, where the combined amount of the four deposits exceeds €30,000. In such cases, additional verification steps may apply for compliance reasons.
These are the most common reasons. However, other event- or institution-related factors may also affect processing. If you have questions or need support, please contact your local customer service team
Where can I check the credit of my transfer?
You can find credited deposits in the Cash Movements section of the LYNX+ platform. For more detailed information about this section, click here.
In addition, you can view the deposits you have made in the Transaction Status & History section in the Client Portal (see FAQ titled “Where can I check the status of my deposit request?“) or on your account statement.
Why do I need to create a deposit notification?
All deposits are booked to a collective account and allocated to the respective customer securities accounts. For the fastest possible allocation of deposits, a deposit notification is required, and in the message field of the bank transfer, you must provide the U-number of your trading account and your full name/company name.
If the deposit notification and/or the correct information in the bank transfer message field is missing, a manual allocation will be attempted. Crediting the deposit to your securities account may take a little longer in this case.
Can I make a deposit from another person’s account?
Deposits are only possible from a bank account that is in your name.
Transfers from business accounts to your private securities account are also not permitted, even when the company is fully owned by you.
Can I pay into my securities account by a recurring deposit?
Provided you have set up a recurring transfer with your bank, you can create a recurring deposit notification in the Client Portal. In this way, recurring deposits can be routed directly to your trading account.
To create a recurring deposit notification, you need to follow the deposit instructions above and select the option Make this a recurring transaction?.
Can I make a deposit from a new/different bank account?
Yes, you can. Deposits from a new bank account may need to be confirmed by means of an account statement showing the details of the bank account and the name of the account holder. You will receive this request one working day after receipt of the transfer via your LYNX+ Client Zone. We will also inform you about this request by email. Your deposit will be processed as soon as we receive and verify a copy of your bank statement.
The new bank account must also be registered in your name.
Bank accounts outside the EU/EEA
Please be aware that deposits and withdrawals from and to countries outside the EU/EEA are not possible. If funds are received from a bank account outside this region, they will be unable to be processed and will be returned to the originating account.
Similarly, transferring money to a new bank account located outside the EU/EEA is not possible. Therefore, it’s advisable to ensure your addressed accounts are within the EU/EEA boundaries for seamless financial transactions.
Please note: Transactions with accounts located in Switzerland remain unaffected by this.
Is it allowed to use the account primarily for currency conversions and subsequent withdrawals?
No, the trading account is designed specifically for trading financial instruments and is not intended to be used primarily for currency conversions and subsequent withdrawals. Interactive Brokers (IB) provides currency conversion services for clients who mainly trade foreign securities or financial derivatives.
Please be aware that if your trading account is used primarily for currency conversions and subsequent withdrawals, IB may impose restrictions on your ability to withdraw converted currencies.
Currency conversions that support trading activity are allowed. However, using the account mainly for currency exchange and withdrawal, without trading, may result in restrictions.