# Withdraw funds from copy-trading and MAM accounts

You can transfer funds from client's copy-trading and MAM accounts (both master and investment accounts) to one of client's wallets. Next, the funds can be withdrawn from the wallet.

Transfer funds from a client's master or investment account to a wallet as follows:

{% stepper %}
{% step %}
Go to **Finance** > **Transfers**.
{% endstep %}

{% step %}
Click **+Create** at the upper-right page corner.
{% endstep %}

{% step %}
From the clients list, select a client for whom you want to transfer funds.
{% endstep %}

{% step %}
On the **Transfer** page, fill in the following fields:

* In the **From account** dropdown, select a client's copy-trading or MAM account from which you want to transfer funds.
* In the **To account** dropdown, select a client's wallet to which you want to transfer funds.

{% hint style="info" %}
Funds can only be transferred between wallets and accounts denominated in the same currency.
{% endhint %}

* In the **Amount** field, enter an amount that you want to transfer. The specified amount is duplicated in the **Destination amount** field.
* Confirm the transfer operation by solving a math problem and entering a result in the **Verification code** field.

<figure><img src="/files/Dwptts2V0zOiM7dNtF0F" alt="Transfer page"><figcaption><p>Transfer page</p></figcaption></figure>
{% endstep %}

{% step %}
Click **Save** to create the transfer.
{% endstep %}
{% endstepper %}

If your system is configured to require an admin's approval for transfers, then go to **Clients** > **Requests** and approve the request to execute the transfer. Requests to transfer funds to/from copy-trading and MAM accounts are assigned the **Investment Transfer** type.

#### Notes

* When attempting to transfer an amount that is larger than the current balance on an account, only the amount that is available on the account is transferred to a wallet.
* When attempting to transfer funds from an account with zero balance, the transfer operation is rejected automatically (such transfers are assigned the **Failed** status).
* When attempting to transfer funds from an investment account that has an active subscription, first, the fees defined in the fee plan for the subscription are charged, and then the available amount is transferred to a wallet.

The table below provides formulas for calculating amounts when transferring funds from copy-trading and MAM accounts.

<table data-full-width="true"><thead><tr><th width="160">Open positions on an account</th><th width="87">Credit</th><th>Requested amount to transfer</th><th>Actual amount to transfer</th></tr></thead><tbody><tr><td>No</td><td>No</td><td>Requested amount &#x3C;= Equity</td><td>Actual amount = Requested amount</td></tr><tr><td>No</td><td>Yes</td><td>Requested amount &#x3C;= Equity - Credit</td><td>Actual amount = Requested amount</td></tr><tr><td>No</td><td>No</td><td>Requested amount => Equity</td><td>Actual amount = Equity<br><br>Equity = Balance = 0</td></tr><tr><td>No</td><td>Yes</td><td>Requested amount => Equity - Credit</td><td>Actual amount = Equity - Credit<br><br>Balance = 0<br>Equity = Credit</td></tr><tr><td>Yes</td><td>No</td><td>Requested amount &#x3C;= Free Margin</td><td>Actual amount = Requested amount</td></tr><tr><td>Yes</td><td>Yes</td><td>Requested amount &#x3C;= Free Margin - Credit</td><td>Actual amount = Requested amount</td></tr><tr><td>Yes</td><td>No</td><td>Requested amount > Free Margin</td><td>Actual amount ≈ Free Margin * 0.98</td></tr><tr><td>Yes</td><td>Yes</td><td>Requested amount > Free Margin - Credit</td><td>Actual amount ≈ Free Margin * 0.98 - Credit</td></tr></tbody></table>

where:

‍**Credit** – indicates the credit amount on an account\
‍**Balance** – indicates the account balance\
‍**Equity** – indicates the account equity\
‍**Free Margin** – indicates the account free margin\
‍**Requested amount** – indicates the amount that is requested to transfer from an account\
‍**Actual amount** – indicates the actual amount that is transferred from an account


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