You hit the “instant withdrawal” button in Upstox, expecting your funds in minutes, right? But then nothing happens. The money isn’t in your trading account anymore, and it’s not in your bank either. You tried again and found that Upstox instant withdrawal not working
Sometimes, Upstox blames it on “partner bank processing” or system downtime, but that doesn’t help when you need funds urgently. And let’s be honest—when an “instant” service takes hours or even days, it’s hard not to feel frustrated.
Upstox Not Working
In the past two years, many traders have taken to Reddit, Twitter, and other forums to vent their frustration about Upstox instant withdrawal not working.
From funds getting stuck for days to surprise charges, these problems aren’t rare, and they’re making users nervous.
1. November 22, 2023 — Instant Withdrawal Delayed by 2 Days
One Reddit user shared how they requested an instant withdrawal, but even with an HDFC-linked account, the funds were stuck in “partner bank processing.” Two days later—nothing. And support had gone quiet.
*“Instant withdrawal delayed by 2 days… neither in the trading account nor in the bank. No contact from support.”*
That’s not just an issue, it’s a full-blown freeze, leaving users unable to access their own money.
2. February 19, 2024 — Funds Held Up After Settlement
Another case: a trader saw ₹3 lakh post-sale in their wallet, but could only withdraw ₹645. The rest were fooled by settlement timing quirks, leaving users confused.
These scenarios show how hard it is to distinguish between the wallet balance accessible now and funds still settling.
Without clear information, it feels like Upstox is holding your money hostage, even briefly.
3. April 2025 — Silent Charges Ruin Trust
By early April, more and more users started complaining about hidden charges on instant withdrawals.
“Silent charges… ₹23.60 for every instant withdrawal, and support doesn’t even reply.”
What made things worse? Upstox didn’t clearly show these fees upfront. The details were hidden on a help page that most users never see. So, when traders checked their bank accounts and noticed unexpected deductions, they felt blindsided and frustrated.
How to Complaint Against Upstox?
If your Upstox withdrawal fails or your money is stuck, don’t panic—there are ways to get it sorted.
- Raise a ticket on the Upstox app or website under “Help & Support.” Write a clear message about the issue and attach screenshots of the failed transaction.
- If there’s no response, email their grievance team with your account details and the reference number of the failed withdrawal.
- Still unresolved? Escalate the matter and complaint in SEBI via the SCORES portal or file a complaint with NSE/BSE under their investor grievance section.
- Act fast and keep records of all your communication. It’ll make it easier to get your issue fixed.
Need help? Register with us and get complete assistance in drafting & documentation of the complaint. Also, we guide in escalation and further represent your case in arbitration.
Conclusion
Upstox’s instant withdrawal feature is meant to give traders quick access to their money, but recent glitches have left many users frustrated and anxious. From delays to unexpected errors, these issues raise concerns about the platform’s reliability during crucial times.
If you’re facing withdrawal problems, stay calm, document everything, and raise a complaint through their support system or escalate to SEBI if needed. While Upstox is a trusted platform for many, it’s always wise to stay cautious and keep a backup plan for your trading funds.
