> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Withdraw funds

> Withdraw funds from your Treasury accounts to your external bank account.

Withdrawing funds allows you to **move money from your Treasury accounts to an external settlement account** owned by your entity.

This is used to transfer funds out of Acclaim and back into your bank account.

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## How withdrawing funds works

Withdrawing funds follows a simple flow: **initiate**, **process**, and **settle**.

1. **Select an account and amount**
   Choose the Treasury account and specify the amount to withdraw.

2. **Select a settlement account**
   Choose the external bank account where funds will be sent.

3. **Process the withdrawal**
   The transfer is initiated through the appropriate banking network.

4. **Funds are delivered**
   Once processed, funds arrive in your settlement account.

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## Settlement accounts

Withdrawals are sent to a **settlement account** owned by your entity.

* Settlement accounts are external bank accounts
* They must be configured and verified
* Funds are transferred directly to these accounts

Settlement accounts are typically used for:

* Moving funds back to your operating bank account
* Managing treasury liquidity outside of Acclaim

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## Timing and settlement

Withdrawal timing depends on the payment rail and region.

* Some methods may be near real-time
* Others take multiple business days
* Processing timelines depend on banking networks and cutoffs

Funds are debited from your Treasury account when the withdrawal is initiated or processed.

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## Balance requirements

Withdrawals use your **available balance**.

* You must have sufficient available funds in the selected account
* Pending funds cannot be withdrawn
* Withdrawals reduce your available balance

If funds are not available in the desired currency, you can convert using FX before withdrawing.

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## Tracking withdrawals

You can track withdrawals in the Console.

Each withdrawal creates a transaction that includes:

* Amount and currency
* Status (pending or completed)
* Source account
* Destination settlement account
* Timestamp

You can also track updates via webhooks.

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## Reconciliation

Withdrawals should be reconciled against your external bank account.

To reconcile:

* Match withdrawal transactions to bank deposits
* Verify amounts and timing
* Track settlement completion

This ensures alignment between Treasury and your external accounts.

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## Best practices

* Verify settlement account details before initiating withdrawals
* Ensure sufficient available balance before withdrawing
* Account for settlement timing in your planning
* Monitor withdrawals until completion

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## Summary

* Withdraw funds by transferring money to a settlement account
* Settlement accounts are external bank accounts owned by your entity
* Withdrawals use available balance and reduce your Treasury funds
* Transactions provide full visibility and reconciliation support