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Payment date vs ex-dividend date

Dividend Payment Date vs Ex-Dividend Date

The ex-dividend date is the cut-off to qualify: you must own the stock before the ex-dividend date to receive the next dividend. The payment date is when the cash actually lands in your account, usually a few weeks later. Between them sits the record date (when the company checks who owns the shares), and before them the declaration date (when the dividend is announced). OnlyDividends shows the ex-dividend and payment dates for every holding so you always know when to own and when you will be paid.

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01

Four dates, easy to mix up

Every dividend has a sequence of dates, and confusing two of them can cost you a payout. Buy on or after the ex-dividend date and you miss this dividend; sell too early and you may forfeit it too.

Brokerages rarely lay these dates out clearly side by side, so investors end up cross-checking declaration, ex-dividend, record, and payment dates one stock at a time, then trying to remember which cut-off applies to which holding.

The practical questions are simple: by when do I need to own the stock, and when will I actually be paid?

02

The dates that matter, on one screen

OnlyDividends surfaces the two dates you act on, the ex-dividend date and the payment date, for every holding, projected from public market data.

You add a position with a ticker and share count, and the app shows when you need to own the stock to qualify and when the cash is due, with a notification on the pay day itself.

  • Ex-dividend date shown for every holding (the cut-off to qualify)
  • Payment date shown alongside it (when the cash arrives)
  • A forward calendar so upcoming cut-offs are never a surprise
  • Estimated per-payment amount, after withholding tax
  • A notification on the payment date with the net amount
  • No bank login and no brokerage credentials, ever
03

How OnlyDividends shows dividend dates

  • 01

    Ex-date and pay date together

    Both key dates appear for each holding, so you never confuse the cut-off to qualify with the day you get paid.

  • 02

    Payment-date notifications

    Get a reminder when each dividend is paid, showing the net amount, so the payment date is never missed.

  • 03

    Upcoming cut-offs at a glance

    See approaching ex-dividend dates in your forward calendar, useful if you are timing a purchase.

  • 04

    Amount per payment, after tax

    Each dated payment shows an estimated net figure, so the calendar entry and the income line up.

  • 05

    Global, multi-currency

    Dividend dates across 70+ exchanges in six currencies, shown the way you read them.

  • 06

    No bank or brokerage linking

    Dates are projected from public market data and your share counts, never from access to your accounts.

How OnlyDividends shows dividend dates
04

The four dividend dates, explained

What it meansWhenIn OnlyDividends
Declaration dateDividend announcedFirstBackground
Ex-dividend dateCut-off to qualifyOwn before thisShown
Record dateOwnership checkedDay after ex-dateBackground
Payment dateCash arrivesLastShown + alert
Action for youOwn before ex-dateThen wait for pay dateBoth surfaced
05

Who this is for

  • New dividend investors learning how the dates work
  • Investors timing a purchase before an ex-dividend date
  • Income investors planning cash flow around payment dates
  • Anyone who has accidentally missed a dividend by buying late
  • Privacy-focused investors who refuse to link a bank or brokerage

Dividend Payment Date vs Ex-Dividend Date

Free for your first 3 stocks. No account, no bank linking.

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Frequently asked questions

The ex-dividend date is the cut-off to qualify: you must own the stock before it to receive the next dividend. The payment date is when the cash is actually credited to your account, typically a few weeks after the ex-dividend date. OnlyDividends shows both for every holding.

You need to own the stock before its ex-dividend date. If you buy on or after the ex-dividend date, the previous owner receives this dividend and you get the next one. OnlyDividends shows the ex-dividend date so you know the cut-off.

The record date is when the company checks its books to see who owns the shares and is therefore entitled to the dividend. It usually falls one business day after the ex-dividend date. For investors, the ex-dividend date is the one to act on.

The declaration date is when a company announces an upcoming dividend, including the amount and the key dates. It comes first in the sequence, before the ex-dividend, record, and payment dates.

It varies by company, but the payment date is commonly a few weeks after the ex-dividend date. OnlyDividends shows the specific payment date for each holding once it is known, and projects it ahead of time otherwise.

Yes. OnlyDividends never connects to a brokerage or bank. You add holdings with a ticker and share count, and the app surfaces the ex-dividend and payment dates from public dividend data.

Yes. The free plan tracks the dates and payments for up to 3 stocks. Premium raises the limit to 50 stocks for about $6.99 per month or $49.99 per year.