First, the fund is sold on the same day and can only be taken out the next day. This is because the settlement mechanism determines that the stocks sold on the same day can be used to buy, but they cannot be taken out at any time. A situation, for example, your account has 654.38+million cash before the opening, and you buy a stock with this 654.38+million cash and then sell the same stock or other stocks with 654.38+million cash, and the cash is still 654.38+million. In this case, you can withdraw cash (different brokers may be different).
Second, beyond normal trading hours. For example, after 15:00, the bank-securities settlement system has been closed, so even if you have cash in your stock account, you can't transfer it out. You need to transfer in and out during the trading time, that is, the normal time of the bank-securities settlement system.
Third, for example, you are qualified for margin financing and securities lending, and you trade related varieties. For example, I bought or held 654.38+00,000 yuan and raised 600,000 yuan, but the cash still stayed at 600,000 yuan or other amounts. When you withdraw 600,000 yuan, you can't complete the withdrawal or transfer. Because your funds are used as "financing guarantee". It happened to me. For example, I left 500 thousand cash in my account, thinking I could transfer it at any time. However, since financing takes up "cash" as "financing guarantee", only when I sell the corresponding financing position can cash be transferred out freely.
Generally speaking, the funds in China's stock and securities accounts now belong to the mechanism of third-party custody, that is, banks are "custodians" and brokers are just a channel, but brokers can't misappropriate your funds or occupy your funds-whether they are on the way or idle. However, the provisions of the above-mentioned "bank-securities settlement" mechanism make it impossible to transfer funds under the above conditions.
Don't panic when you encounter the problem that the account funds are forbidden to be withdrawn. There must be a reason why the account is forbidden to withdraw money. Now let me sort out a few reasons:
1, ID card expired. After the ID card expires, the account can still buy and sell stocks, but the impersonation of funds is restricted. At this time, you need to fill in the customer information again. Under normal circumstances, customers can bring valid certificates to the brokerage business department, and some brokers can directly log in to official website or upload valid certificates to update.
2. There is a problem with the three-party depository. If the bank card expires or is locked, the funds cannot be transferred to the bank card. At this time, it is best to call the brokerage business department or bank outlet to confirm the situation, and then update the tripartite depository relationship according to the guiding process.
3. The funds sold in the ordinary account on the same day can't be transferred out on the same day, but can only be used, and can't be transferred out to the bank card until the next day.
4. Margin account. If it is necessary to transfer funds from two accounts, the guarantee ratio must be maintained at not less than 300%. If it is a wealth management account, first check whether the guarantee ratio of the wealth management account is lower than 300%.
5. Confirm whether it is within the transferable time. Generally, the three-party transferable time is 9:00- 15:50 from Monday to Friday. It is necessary to confirm whether the transfer occurred during this period, and the transfer cannot be successful at other times.
Generally speaking, the funds in the stock account cannot be transferred out for the following reasons:
Because every day's stock trading has to be settled and transferred in Deng Zhong company, but Deng Zhong company usually settles after the close. So in order to avoid mistakes, the funds sold on the same day will not be transferred to the bank account until the next day.
The transfer of stock funds must be carried out within working days, and it usually takes 9.00- 16.30 to transfer in and out. Some banks can only transfer out before 16, and the time specified by each bank is different. It depends on which bank card you are bound to.
If you open stock index futures, margin financing and securities lending, and hold positions, that part of the funds as margin cannot be transferred out.
In order to ensure the safety of investors' funds, if your ID card for opening an account with a securities company expires, or your bank card is abnormal, then, for security reasons, you can't transfer money at that time. You can only use the fund transfer function normally after updating your personal information!
The above is my sharing, I hope it will help you ~ ~
There are several reasons why it is forbidden to withdraw funds from stock accounts. Personally, I suggest you call the securities company directly to find out why the funds in your stock account are forbidden to be withdrawn. Most of the reasons are as follows:
(1) The stocks sold on the same day cannot be transferred out of the bank until the next day.
Many new investors should not know this rule. Stock funds sold on the same day are restricted from being transferred out of the bank on the same day. The funds sold on that day can be used, but they cannot be transferred from the shareholders' accounts to the bank. This is the most common problem that many people encounter.
(2) Your shareholder account has purchased wealth management products.
When your stock account has signed an agreement with a securities company for some wealth management products, that is, buying wealth management products, as long as the shareholder account has more than 1 1,000 yuan or 1 1,000 yuan, it is the default purchase of wealth management products. This situation is also prohibited from being transferred out, and the bank card can only be transferred out after the ban is lifted. For example, if my securities account is opened with the daily profit of the securities company, I will automatically buy wealth management products only when my shareholder account has spare funds of more than 1000 yuan.
(3) Your ID card has expired and needs to be resubmitted.
Some stock accounts have been opened for a long time, and some investors' ID cards have expired, resulting in re-handling. However, after you applied for a new ID card, you did not submit a new ID card to the securities company. In this case, some functions of your stock account will be restricted, and you need to resubmit your ID card to resume the transfer function.
(4) The bank card of your stock account is abnormal.
Some investors' bank cards have been frozen, or their own bank cards are no longer used, and they forget to replace other bank cards. This situation also prohibits the transfer of funds from stock accounts, because the transfer channel between securities companies and banks is abnormal and the transfer cannot be successful.
(5) Incorrect input of transfer-out amount.
Some stock investors are careless, for example, they need to transfer funds from their stock accounts, and lose 1000 yuan into 10000 yuan, or lose 10000 yuan by mistake and add a zero to 10000 yuan. This situation is that the transferable amount of the stock account is insufficient, which will lead to the failure of the transfer bank.
(6) The channel between the stock account and the bank account is closed.
There is a channel between the shareholder account and the bank account, and the channel needs to be opened before the funds can be transferred in and out. For example, it is usually open from 9: 00 a.m. to 4: 00 p.m., that is, the transfer will stop after 4: 00 p.m., and the transfer will not be normal until the business hours of the next day.
The above six reasons are the real reasons why people often encounter the prohibition of withdrawing funds from stock accounts. In your case, you need to contact the customer of the securities company directly.
At present, it is most likely that the balance has been invested in the money fund. At present, brokers basically have the function of sweeping the balance, that is, as long as the amount of our account in the stock is not purchased into shares, after signing the agreement, we will participate in the purchase of some products similar to the money fund every day, resulting in the inability to withdraw the account balance. In this agreement, you can set the amount of daily bill scanning by yourself, such as 1000 or more. Then, if the account is above 1000, this part of the income fluctuates before 3%-4% annualized, and there is also a yield on weekends. The interest rate is different every day. Of course, you can contact the broker to close this service, or set the amount at a high point.
If you want to withdraw, you must redeem it on the day when the stock is sold or the withdrawal amount is available. You can transfer the bank card to the bank card the next day after redemption. If it is not transferred out the next day, it needs to be redeemed again. So remember to transfer money the next day.
There is also the current anti-money laundering cooperation with the country, which requires updating personal account information to transfer funds. Just bring your ID card and go to the counter to update the information.
There may be several situations about this problem.
That is, your ID card has expired, so for your safety, securities companies and banks must go to the business hall to give you a new ID card before they can use the fund withdrawal function!
Just because you sold the stock that day, the funds could not be transferred out that day! It is clearly pointed out in the securities trading regulations that the stock trading funds are T+ 1 withdrawal regulations, and trading can be carried out on the same day, but bank transfer and withdrawal cannot be carried out on the same day! !
It is possible that you signed a so-called "wealth management product". There is a so-called "wealth management product" in the stock market, that is, your funds will be transferred to a "wealth management fund" after the close at 5 o'clock every time. This "wealth management product" can give you 2.5%-3% interest, so that your capital profit will roll up, instead of just enjoying current interest. However, the disadvantage is that you need to set a threshold for the amount. If it is set too low, most of the funds will be transferred to the product, which will make it impossible to take it out!
It's just a trading time! The trading hours of stock accounts are 9: 00 a.m. and closed at 15:00 p.m. every day! In other words, after this trading time, your stock account will close the trading and extension business functions, so it can only be withdrawn on the next working day!
The bank card bound to the stock account has been replaced or updated, and the stock account cannot be docked with the banking system. At this time, you have to take your valid certificate to the bank to update the docking of a bank card and a securities company, and it will be done in a few minutes!
The balance of your stock account is insufficient, or the funds you withdraw are far greater than the available balance of your stock account! So .......... has no money, or money is not enough, what to take! !
Of course, if something really goes wrong with your trading software, or if your account shows a red flag and is frozen, then you may not be able to withdraw cash. At this time, you should contact your stock exchange for further information!
Common situations are as follows:
1, sold on the same day, can be transferred to the bank card on the next trading day, and cannot be withdrawn on weekends and holidays.
2. The stock account participates in the cash management products of the securities firm, that is, as long as there is cash in the account, it will automatically participate in the cash management products to obtain high interest. In this case, investors should contact the account manager in time and learn to cancel manually, but the transfer can only be made on the next trading day.
3. Another is that when opening an account, the securities company defaults that the maximum amount you transfer out is 654.38+00,000, or other amounts, that is, there is no limit on how much money you transfer in, but there is a limit on how much you transfer out.
4. Another is that the ID card information has expired and needs to be re-authenticated, but once this situation is solved, it will be gone.
Like to pay attention and broaden the financial path!
thank you
Generally, there will be corresponding tips when this happens. For example, if the ID card is expired and not updated, or if the bank card is frozen, there will be corresponding prompts. Just follow the prompts and do the corresponding operation. Even if some brokers don't have corresponding tips, they should take the initiative to call the brokers. This is the most effective solution, not speculation.
But sometimes we might as well make a wild guess, because the problem often lies not in securities companies, but in our own ignorance of stocks and other securities. For example, China implements the t+ 1 trading system, and the settlement of the exchange is after 3 pm, which makes it impossible to sell the stocks bought that day and withdraw the funds sold that day.
First, understand the stock trading system. China implements the trading system of t+ 1, which can be sold on the same day, but it is not desirable, and the second trading day is desirable.
Two, new shares or bonds, money has been deducted, but the application does not show.
3. The bank card bound by securities is abnormal, such as being frozen or cancelled.
4. The transaction password is confused with the fund password, resulting in incorrect password input.
Five, the withdrawal amount is greater than the desirable amount, such as forgetting the decimal point.
Six, beyond the withdrawal time. The withdrawal time of securities funds is generally from 9: 00 a.m. to 4: 00 p.m. (specific banks have differences), and there are restrictions on withdrawals beyond this time period.
Seven, margin account, to ensure that funds can not be transferred out.
8. Identify the main and auxiliary fund accounts. Now many brokers can bind two bank cards and have two fund accounts. When transferring funds from the auxiliary fund account, it needs to be transferred to the main account, but the transfer is irreversible, so it can only be transferred to the main fund account first and then to the auxiliary account through online banking.
9. Is there any illegal act? For example, manipulating stocks, the funds in securities accounts have really been frozen.
The stock account funds cannot be withdrawn, mainly in the following situations:
1. Bank-securities transfer is not allowed on weekends and legal holidays, and the transfer time on trading days is also 08:30- 16:00. The stock is transferred out through T+ 1, and the stock sold on the same day cannot be transferred out, but only on the second trading day.
2. The valid information of the ID card has expired. To put it bluntly, the ID card has expired and you need to submit new ID information. At present, the general broker's app can update, upload or scan new ID information online.
3. Many brokers have idle capital appreciation service and balance wealth management service. In this case, you need to reserve a quota in advance before transferring out. Some products can be transferred out on the same day, while others can be transferred out on the second trading day.
4. Judicial freezing, with the participation of ordinary people.
I can only think of several situations. If funds are available, reasonable arrangements should be made in advance.