Yes, you always have access to your money. Your independence is important to us. You can withdraw money from your account or even close it anytime you want to. Transferring the money takes 3-7 working days.
Vantik is designed in a way that the security buffer only comes into action when you retire. Meaning that when you withdraw your money before retiring it could be worth less in that specific moment.  Withdrawing or closing your account altogether does not cause additional costs.   

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