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If you haven't made any trades in awhile, your
Trade Date Cash = Withdrawal Limit

This is the amount you can withdraw. If you need to withdraw more cash, sell a security. Once it settles, you'll have more cash.

Scotia iTrade states,
Buying power is calculated based on a number of different factors such as the type of account, the cash available in the account and the amount and type of securities held in the account. Buying power will fluctuate when any of these factors change, including the purchase or sale of securities and the market value of the holdings..
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