Instant transfers allow you to send money from to an eligible bank account or Visa/Mastercard debit card, typically within 30 minutes. A 1.5% fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the transfer amount for each transfer.

Instant transfers can be reviewed and declined for a variety of reasons, including IBCM’s automated internal security measures. Before attempting an instant transfer, we recommend making sure you’re using a card that is registered in your own name, and that your IBCM account has your legal first and last name on file.

Once you start an instant transfer, you’ll see a red outgoing marking as confirmation that the transfer has begun. When the transfer completes, you’ll get an in-app notification. If the transfer still shows as pending in your app, you’ll want to wait 30 minutes before checking your bank account statement for the deposit.