Frequently Asked Questions

Click Open Account on our homepage and fill in the 3-step registration form. You'll need your name, email, date of birth, and country of residence. After verifying your email with a one-time code, your account is created. Full access is granted after our team reviews your identity documents (KYC verification) — typically within 1–2 business days.

You'll need one of the following: a valid passport, driver's license, or government-issued national ID. We also ask for a selfie photo of you holding the document. Upload these in Settings → Identity Verification from your dashboard.

Our compliance team reviews documents within 1–2 business days. You'll receive an email and an in-app notification once your account is approved. During the review period, you can explore the dashboard but transfers are restricted.

Yes. BondInvestment Bank N.A. is a Member of the FDIC (Certificate #58291). Your deposits are insured up to $250,000 per depositor, per account category — the same protection as any US commercial bank.

All verified BondInvestment account holders are automatically enrolled as Prime Members. This gives you access to our 4.2% average annual yield program, priority customer support, and preferential loan rates. There is no additional fee.

Currently BondInvestment allows one personal account per verified identity. Business accounts are available separately — contact our support team to enquire.

From your dashboard, click Transfer or go to Payments → Move Money. Select or add a recipient, enter the amount, and click Review Transfer. Your customer service team will generate an OTP (one-time password) and email it to you. Enter the OTP to authorize and complete the transfer.

Every outgoing transfer requires a one-time password generated by our customer service team. This is a mandatory security measure that prevents unauthorized transfers even if your account password is compromised. It ensures a human reviews every payment before funds leave your account.

Internal transfers (between BondInvestment accounts) settle in under 30 seconds. Domestic ACH transfers take 1 business day. International SWIFT wires take 2–3 business days depending on the destination country and correspondent bank.

The standard daily transfer limit is $50,000. Prime Members may request a limit increase by contacting our support team with supporting documentation.

Internal transfers between BondInvestment accounts are completely free. Domestic and international transfers may incur standard correspondent bank fees. We never add a markup on top of actual transfer costs.

Yes. Go to Payments → Add New Recipient to save a recipient's details. Internal contacts only require a name and email. Domestic contacts need account number and bank name. International contacts need IBAN and SWIFT/BIC.

Any individual aged 18 or over with a valid ID and verifiable income can apply. You do not need to be an existing BondInvestment customer to apply, though having an account speeds up disbursement. Applications are reviewed by our credit team on a case-by-case basis.

We offer a fixed 15% annual interest rate on all personal loans. The rate never changes during your repayment period — no variable surprises. There are no origination fees, no hidden charges, and no prepayment penalties.

Personal loans range from $1,000 to $100,000. The exact amount approved depends on your income, employment status, and credit profile as assessed by our team.

Our credit team reviews all applications within 48 business hours. You'll receive an email decision at the address provided in your application. If approved, funds are disbursed within 1 business day of completing your loan agreement.

Yes. There are absolutely no prepayment penalties. You can pay off your loan in full at any time without any additional charges. Contact our support team to arrange early repayment.

If your application is not approved, you will receive an email explaining the general reason. Common causes include insufficient income relative to the loan amount, incomplete documentation, or account history requirements. You may reapply after 90 days or contact support to discuss alternative options.

Your account is protected by 256-bit AES encryption, email OTP verification on login, and mandatory OTP authorization on every outgoing transfer. We also monitor for unusual account activity 24/7 and will alert you immediately if anything suspicious is detected.

Contact us immediately via WhatsApp or email. You can also freeze your account temporarily from the Settings page. Our security team operates 24/7 for emergencies — do not wait to report suspicious activity.

Never. We do not sell, rent, or share your personal data with any third party for marketing purposes. Your data is used solely to provide and improve our banking services. See our Privacy Policy for full details.

Never. BondInvestment staff will never ask for your OTP, password, or PIN through any channel. If you receive such a request, it is a scam. Report it to us immediately at support@bondinvestmentbank.com.

Two-factor authentication (2FA) adds an extra layer of security to your login. When enabled, you'll need both your password and a one-time code sent to your email. We strongly recommend all clients enable this feature.