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# Seccl Migration Guide

| Emma Invest is only available to UK-based customers.

### Follow this guide to move smoothly from Alpaca to Seccl.
 
###### 1. Sell Your US Positions

* Open Emma → Invest → Your US portfolio.
* Tap a holding → Sell → select amount → Confirm.
* All FX fees will be waived between 26th of January and 27th of February
* Sale proceeds will appear in your Emma wallet after settlement (T+2 market days).
* If you don’t sell by 27th of February 2026, we’ll do this automatically and return the cash to you.

||| The value of your investments may be affected by market movements between placing a sell order and execution of that order
 
 
###### 2. Withdraw or Move Your Funds

* Withdraw to your bank: Tap Withdraw → enter amount → Confirm. Funds typically arrive same-day or next working day, but may take up to three days in some circumstances.
 
###### 3. Open Your New Seccl Account

* Go to Emma → Invest → Open Seccl GIA. Follow on-screen steps (you may need to complete ID verification).

||| All investing carries risk. The value of your investments can go down as well as up, and you may get back less than you invest. Past performance is not a reliable indicator of future returns.
 
###### 4. Fund Your Seccl Account

You can fund your new account via:

* Bank transfer from your linked bank account.
* Emma Wallet transfer.
* Direct Debit (set up within the app; allow a few days for first collection).
 
###### 5. Start Investing in GBP Funds and ETFs

* Once your account is funded, browse our range of GBP-denominated funds and ETFs. *Remember your capital is at risk.*
 
###### 6. If You Take No Action

* If you do nothing before the 27th of February: your remaining positions will be sold, proceeds converted to GBP with 0% FX fee, and funds returned to your Emma Wallet. You’ll still be able to view and download your statements.

||| Whether you choose to sell your positions yourself, or if Emma sells any remaining holdings on your behalf as part of the migration, you may realise a capital gain or loss. Any gains could be subject to Capital Gains Tax depending on your personal circumstances.
 
###### 7. Corporate Actions During Migration

* If a dividend or corporate event affects your holdings, we’ll process it as soon as possible and pay proceeds in cash. We’ll contact you if any late events impact your account.

||| Dividend payments and corporate action outcomes may have tax implications depending on your personal circumstances.
 
###### If There Are Delays or Market Issues

In case of platform outages or high volatility, we may extend deadlines or pause certain steps to protect customers. We’ll always notify you in-app and via email if anything changes.