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How long after the record date does the cash actually show in the account

The payment date is when the company pays out, and your broker typically credits you that day or within a couple of business days after. Three weeks between record and payment is completely normal, and for some companies it is six. Most platforms show nothing pending until the payment date itself, which is why it looks like nothing is happening. If it is more than about five business days past the payment date, then it is worth asking your broker.

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