Finch gives you instant access to your investments when you need them.
With a standard investment account, you could wait anywhere from three days to two weeks to gain access to your money - a long time if you have an emergency.
Finch offers an innovative solution that gives you returns on a daily basis while also giving you instant access to your money.
Your spending power reflects the amount of money you can access at any time of the day. When the markets are open, you have access to 100% of your balance. When the markets are closed (), you'll see the following notification in your Finch app.
During this time, your spending power is equal to 80% of your balance plus any deposits less any money you spent since the market closed. This is to allow for movements in the value of your portfolio while the market is closed.
You can always access 100% of your balance during market hours!