How to Transfer Your Investments to Inter Securities (ACAT Guide)

Transferring your investments from one broker to another may sound complex, but in the U.S., there’s a standardized process designed to make it more straightforward: the ACAT transfer.

If you're looking to move your assets to Inter Securities, understanding how this process works can help you avoid delays and complete the transfer smoothly.

This guide walks you through everything you need to know — from what an ACAT transfer is to the exact steps, requirements, and timelines involved.

What Is an ACAT Transfer?

ACAT (Automated Customer Account Transfer) is the process used to move financial assets from one U.S. institution to another U.S. institution.

An incoming transfer means you want to bring assets from another U.S. broker into your Inter Securities account.

Important: Unlike in some other markets, transfers in the U.S. must be initiated by the receiving firm. That means you should contact Inter Securities to start the process — not your current broker.

What Assets Can Be Transferred?

Only certain types of assets are eligible for ACAT transfers.

• Assets must be listed on U.S. exchanges
• Currently Equities and fixed income securities can be transferred
• Soon, certain offshore mutual funds will be able to be transferred
• Fractional shares cannot be transferred
• Only whole positions are accepted
• Cash balances

How to Get the ACAT Form

You can start the transfer request in two ways:

A. Through the Inter app (fastest option):

• Use the search bar.
• Start a chat
• Request the ACAT form

B. Through support channels:

• Contact the support team
• Request the ACAT form via email
• You should receive it within 15 minutes

Step-by-Step: How to Complete Your ACAT Transfer

1. Make sure your Inter Securities account is active

• Open the Inter app
• Tap the Global Account icon.
• Go to Invest
• Select “Invest”
• Choose “Stocks, ETFs and REITs”
• Open the US Home Broker

If you do not see the option to create an account, your account is already active.

2. Receive and fill out the ACAT form

• You will receive the form via Docusign.

Fill out only the editable fields, including:

• Account number (at the originating broker)
• Account name(s) / Title
• Account Holder’s Address
• Delivering firm name
• Delivering firm transfer department phone number and/or email
• Delivering firm DTC / ACAT clearing number
• Delivering account type
• Transfer type (full or partial — include assets and quantities if partial)
• Signature

3. Attach the required documents

You will need to provide:

a) Statement

• Your most recent account statement from the originating U.S. broker
• This confirms ownership and lists the assets to be transferred

b) One-and-the-same letter (if needed)

• Required if your name appears differently on the statement
• Helps avoid rejections due to name mismatches

4. Sign and submit the form

• Sign the document in DocuSign (signature field at the end)
• Once signed, the request is automatically submitted
• The transfer process begins immediately after submission

Important Information About Joint Accounts

Attention: Inter Securities does not offer joint accounts.

If your account at the originating broker is held jointly, please note that the account established with Inter Securities will be an individual account.

Additionally, all joint account holders must complete and sign the DocuSign transfer documents in order for the transfer to be processed.

Key Timelines You Should Know

• The completed form must be returned within 5 business days of receipt
• Transfer completion may take up to 10 business days after submission
• Assets should appear in your portfolio within 1 business day after completion

Note: If you miss the 5-business-day return window, you will need to start a new request.

Fees and Important Considerations

Before starting your transfer, it’s important to check with your originating broker regarding potential fees, as each broker has its own transfer fee structure.

If a fee applies and there are not enough funds to cover it, the ACAT request will be automatically rejected. Inter Securities does not allow negative balances during the transfer process.

If your transfer is denied due to insufficient funds, you must settle the fee directly with your originating broker and then submit a new ACAT request to Inter Securities.