Withdrawal Policy
This policy sets out the rules for withdrawing your funds from Spirit AI: the methods available, the checks we perform, the timelines we commit to and the situations that can hold a request. By requesting a withdrawal you accept these rules. They are written to protect your money, not to delay it.
1. Available withdrawal methods
You can withdraw to MTN Mobile Money or Telecel Cash (both normally processed within 24 hours), to a VISA card (1 to 5 business days) or to your Ghanaian bank account by local transfer (1 to 3 business days). All four methods are free of platform charges. The full method table with descriptions is on the Deposit and Withdrawal Methods page, which this policy complements.
2. Processing times and what affects them
The times above start from approval, not from your click. Requests confirmed before 15:00 GMT on a business day normally begin processing the same day. Mobile money transfers can occasionally take longer during network maintenance by the operator, and card refunds depend on your issuing bank, which is why the card window is the widest. Public holidays shift every timeline by the days the banking system is closed.
3. Fees and charges
Spirit AI charges no withdrawal fee on any method. Where a third party cost exists, for example a network fee on a digital asset transfer or a currency conversion cost, it is displayed before you confirm the request, and it is the cost itself, with nothing added on top.
4. Withdrawal limits
The minimum withdrawal is GH₵50 for mobile money and GH₵250 for card and bank transfer. Daily and monthly maximums depend on your plan and your verified status and are visible on the withdrawal screen before you submit; if a request would exceed them, the system tells you immediately rather than failing later. Larger withdrawals may be processed in parts, and you are told the schedule when that happens.
5. KYC and AML checks
Identity verification must be complete before your first withdrawal, whatever your plan or amount. Our anti money laundering obligations also require us to review unusual patterns, and a genuinely unusual withdrawal can be held for verification until we understand it. These checks apply to a small minority of requests and are not a judgement about you; a clear, quick answer to our question is normally all that is needed to release the funds.
6. Why a withdrawal can be delayed or refused
A request can be held or refused for these reasons: the account name does not match the receiving wallet or account name; the identity documents on file have expired; the withdrawal address or account details were changed recently and confirmation is pending; verification of unusual activity is in progress; a technical issue affects the payment provider; or a regulator or court order requires us to freeze the funds. In every case we tell you the reason and what will resolve it. We never refuse a withdrawal merely because a strategy is running; you can withdraw available funds at any time.
7. Your responsibility for correct details
The MoMo number, card or bank account you withdraw to must be in your own name. You are responsible for the details you enter; funds sent to a wrong but correctly entered destination cannot always be recovered. If you notice an error after submitting, contact [email protected] immediately with the request reference, because once processing has passed a certain point, correction is no longer possible.
8. Cancelling or changing a request
While a withdrawal is still in "pending" status on your dashboard, you can cancel or edit it yourself. Once processing has started, cancellation is no longer possible from your side, and the request will complete. There is no fee for cancelling a pending request, and the funds return to your available balance at once.
9. Open strategies and available balance
You can only withdraw funds that are free, that is, not currently committed to open positions. When a strategy is running, part of your balance is working; the withdrawal screen always shows the amount available to you right now. You do not need to close everything to withdraw: the free portion can leave while the rest keeps working.
10. Support for withdrawal questions
For any withdrawal question, delay or dispute, write to [email protected] with your request reference. The Client Support and Compliance Team answers during Monday to Friday, 8:00 to 18:00 GMT (excluding public holidays), usually usually within one business hour. Unresolved disputes can be escalated through the process on the Complaints page.
11. Updates to this policy
We may update this policy when methods, limits or legal requirements change. The current version is always published on this page with its effective date, and material changes are announced inside the dashboard before they take effect. Your continued use of the withdrawal service after a change means the updated policy applies.