Withdrawal pending, rejected or cut: what the apps' own terms say

Causes the apps name

Verification is not finished

Stockity and IQ Option check your documents at the first withdrawal, and the payout waits for that check. Stockity's terms for that check are on the Stockity withdrawal page. IQ Option's rule: Photo ID (passport, driving licence, national ID, voter ID and others) before the first withdrawal.

A different method from the deposit

Stockity, Quotex, IQ Option, ExpertOption, FBS, IC Markets and Pepperstone pay a withdrawal back to the method you deposited with. A payout request to another bank, card or wallet does not fit that rule.

The deposit was not traded

Some apps deduct part of a withdrawal when the deposit was never used to trade. That is a cut, not a delay; see held or cut.

Provider time

Stockity gives its own approval time and the provider's time as two parts: Approval up to 3 days (Standard), 24 hours (Gold), 4 hours (VIP); then minutes to 3 business days at the provider, rarely up to 7 days.

Apps with two published times

Stockity's help centre gives two times that do not match; both are on the Stockity withdrawal page. FBS's current help article says bank or card withdrawals take 2 to 7 business days; an older one says 7 to 10 business days for bank transfers. Compare your wait with both.

A time that can be extended

Pocket Option's public offer: Within three business days; can be extended up to 14 business days with notice.

Held or cut?

A hold means the request is still in processing and nothing has been deducted. A cut means the app took part of the amount under its own rule, as Stockity and FXTM can for a deposit withdrawn without trading. ExpertOption's terms go further and allow a deduction for reasons other than trading: Up to 20%; $50 a month if dormant. Each app's fee rule is on minimum withdrawal, fees and limits.

What to check before you contact support

1. Your verification status is approved.
2. The payout method is the one you deposited with.
3. The published time has passed, in business days where the app counts that way.
4. The deposit was traded. If it was not, read the app's rule for untraded deposits before you ask why the amount is smaller.

Payment agents and P2P

Deriv's public pages list no payment agents by country, so they name none for Nigeria. Deriv P2P is its own route to local currency, separate from agents. For which apps pay out to a Nigerian bank or wallet, see withdrawing to a Nigerian bank or wallet.

Terms from the app's own site

Sites on other domains that use these app names publish their own pending and rejection rules, and those differ from the operators' terms. Values on this page were checked on 26 Oct 2026.