# Deposits and withdrawals | Amal Invest Help

Amal never holds your money. Deposits and withdrawals happen on Alpaca's site, and Amal shows the resulting cash and lets you invest it.

Key Takeaways

*   Deposit and withdraw on Alpaca, reached through **Transfers** in the sidebar
*   New cash shows up under **Available cash** on the Overview once Alpaca settles it
*   **Invest cash** puts it into one of your funds; nothing is invested automatically
*   To withdraw invested money, sell from the fund first so it becomes cash

## Depositing

1.  In the sidebar press **Transfers**. On a phone it is **Transfers (Alpaca)** in the More sheet. Alpaca opens in a new tab.
2.  Add a bank account and start a transfer. Alpaca supports ACH for US banks and wire transfers internationally.
3.  Once Alpaca settles the transfer, usually one to three business days, the amount appears under **Available cash** on your Overview.

## Investing the cash

Cash sits uninvested until you tell Amal where it goes.

*   On the Overview, the cash card has an **Invest cash** button. With more than one fund it becomes a dropdown listing each fund and its value.
*   Or open any fund page and press **Invest more**.

Either way you land in the invest flow described in [Invest, withdraw, rebalance](https://amalinvest.com/help/invest-withdraw-rebalance).

![The Invest cash dropdown listing funds](https://amalinvest.com/help-assets/invest-cash-dropdown.png)

Why is a few cents always left over?

Alpaca keeps a $0.01 buffer per order to satisfy regulatory rounding rules, so the maximum investable amount is slightly below the cash balance. The **Cash available** line in the invest dialog already accounts for this.

## Withdrawing

1.  If the money is invested, withdraw it from the fund first. Open the fund, choose **Withdraw** from the fund menu, and the sale proceeds become cash after settlement, which takes two business days for US stocks.
2.  On the Overview cash card press **Transfer out**, or use **Transfers** in the sidebar. Both open Alpaca's withdrawal page.

![The Available cash card with the Transfer out link](https://amalinvest.com/help-assets/cash-card-transfer-out.png)

## Common problems

**Deposit shows on Alpaca but not in Amal.** Amal reads Alpaca's settled balance. Pending transfers are not investable yet. Refresh after Alpaca marks it complete.

**"Insufficient funds" while some cash is shown.** Part of the cash may already be assigned to an order that is still working. The cash card says "$X of this is being invested now" when that is the case.

**I cannot see the Transfer out link.** It is desktop only. On a phone use **Transfers (Alpaca)** from the More sheet.

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