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Between ICB accounts, instantly, at any hour. To another domestic bank, the next business day. A same-day wire arrives the same day if submitted before 16:00 UTC. International payments take two business days. Every transfer states its rail and expected arrival before you confirm.

Ledger balance is the sum of everything that has actually posted. Available balance is that figure minus any authorisation holds, plus any arranged overdraft. When you tap your card, a hold is placed immediately — the money is spoken for before the merchant has claimed it. Both numbers are shown so neither surprises you.

Most often a control you set: a frozen card, a blocked category, a disabled channel, or a per-transaction limit. Open the card in the app and the decline reason is on the authorisation. If no control was hit, the risk engine may have held it — in which case the rules that fired are shown to you.

New payees are capped for four hours after being added. This is deliberate: it is the single most effective control against someone who has gained access to your session adding their own account and draining the balance in one move. The cap lifts automatically.

Open the transaction and choose Dispute. Pick a reason, describe what happened and attach any evidence. We assess provisional credit within 48 hours and keep you updated at every stage. If the dispute is upheld the credit stands; if not, it is reversed and you are told why.

Yes. Documents lets you generate a statement for any date range. It is produced from the ledger itself, so the opening balance plus credits minus debits always equals the closing balance exactly.

Freeze it in the app immediately — that takes effect at once, before you speak to anyone. Then report it lost or stolen in the same screen and choose whether to reissue. The old card is cancelled and any pending authorisations on it are released.

Eligible deposits are protected up to 250,000 per depositor across all your ICB accounts combined. Separately, your session token never reaches your browser, card numbers are encrypted at rest, and every privileged action is written to a hash-chained audit log.