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. Your spending power will depend on whether the markets are open or closed.
When the markets are open, your spending power is equal to 100% of your balance, excluding pending deposits, and deposits on hold.
When the markets are closed (find market hours here), you'll see the following notification in your Finch app.
When the markets are closed, your spending power is equal to 80% of your balance, excluding pending deposits, deposits on hold, and any transactions since the markets 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 spending power during market hours!