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How do I withdraw funds from my Syfe account?

Please note that the withdrawal process differs slightly for Cash+ Fixed and other portfolios.

Below are the steps to withdraw funds, along with important information to ensure a smooth process.


To withdraw from Cash+ Fixed

You can only submit your withdrawal request on the maturity day after 3:00 PM HKT. Follow these steps:

  1. Login Syfe App
  2. Tap “Cash Management”
  3. Tap the matured Cash+ Fixed
  4. Tap “Reinvest Option”
  5. Select “Withdraw to bank” or ”Transfer to other portfolio”

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To withdraw from Syfe portfolio (excluding Cash+ Fixed)

  1. Login Syfe APP
  2. Tap “Menu” (bottom right)
  3. Select “Manage Funds”
  4. Tap “Withdraw Funds”
  5. Select the source portfolio
  6. Select partial or full withdrawal
  7. Select which bank account you would like to withdraw to
  8. Select withdrawal currency
  9. Enter withdrawal amount
  10. Select “Withdraw”

You will receive a confirmation email once we have received your withdrawal request.

For more details about the withdrawal timeline (which may vary depending on the portfolio), please refer to: How long does it take to withdraw from my Syfe portfolio?

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Things to Keep in Mind:

  • Partial Withdrawals: Partial withdrawals allow you to withdraw up to 90% of the total amount in your portfolio. To withdraw more than 90%, you have to submit a full withdrawal.
  • Currency Matching: Ensure the withdrawal currency matches your bank account’s currency to avoid processing delays. If not, Syfe will convert the funds automatically using prevailing market exchange rates at the time of transaction. 
    Syfe clients enjoy preferential currency conversion spreads of around 0.10%–0.13%, significantly lower than what retail would typically pay (around 0.3%–0.5%) when converting through banks.
  • Fees for USD Withdrawals: Syfe does not charge withdrawal fees. However, if you are withdrawing USD to a non-HSBC bank account, intermediary or receiving banks may apply additional charges. For more details, please refer to: Are there any fees for withdrawing funds?