Hi, i have an itrade account that was created last year but i never used it, so i have some questions as below:

1) My account is non margin, so it is 1x cash right? So does it mean this account can't buy IPO?
2) To transfer money to the trade account, i need to go to edeposit. How long does it take to transfer the money through this process? I heard if it is from other banks, it will be shown only on the next day. If from CIMB, is it instant?
3) I also have a CIMB basic savings account but i can't see the share account there? Is it normal?

My comparison from 2 and 3 is based on MBB. In Maybank, i will transfer the money to the share account and in a few minutes i can see it already, so i want to confirm about CIMB.