Fund your Vault wallet

How to deposit money into your Vault wallet from the app, including the payment reference to include.

Updated 16 June 2026

Use the Vault app to deposit funds into your wallet. The steps below take a few minutes to complete.

1. Open your Wallet

After logging in, tap Wallet at the bottom of your screen.

Vault app home screen showing the Wallet tab at the bottom — Tap Wallet in the bottom navigation bar.

2. Select a currency

You will be taken to your wallet. Select the currency you’d like to deposit into.

Vault wallet screen listing USD, EUR, GBP, and AED cash accounts — Choose the currency account you want to fund.

3. Tap Deposit

On the currency account screen, tap Deposit to begin the transfer process.

AED Cash Account screen with a Deposit button — Tap Deposit on the currency account screen.

4. Review the transfer instructions and tap Continue

The app will show you how the transfer works. Tap Continue to proceed.

Screen explaining how to make a transfer to your Interactive Brokers cash account through your bank — Review the transfer overview and tap Continue.

5. Note the payment details and include your payment reference

The app displays the payment details for your transfer. Wire your funds to the account shown.

Payment details screen showing recipient, recipient address, IBAN, and Bank SWIFT — Use these payment details when making your bank transfer.

Lower portion of payment details screen showing the Payment Reference field and a Continue button — Scroll down to see the Payment Reference — include it on every transfer.

Always include your payment reference

Every time you make a transfer, include your unique payment reference exactly as shown. This is how Vault links the deposit to your account. Transfers submitted after the daily cut-off, or on Saturday or Sunday, are processed the next business day.

6. Notify Vault of your deposit through the app

After making the transfer, you can notify Vault directly through the app. Tap Continue on the Wallet Details page.

Screen prompting you to expedite your transfer by sharing your transfer details with Vault — Tap Continue to let Vault know about your deposit — this helps link it to your account faster.

7. Enter your bank details

Enter the details of the bank you sent the transfer from, then tap Submit.

Form asking for deposit amount, bank name, IBAN or bank account number, and bank nickname — Provide your bank details so Vault can verify and link your transfer more quickly.