Frequently asked questions

You can contact Bankario Support directly through the app or by email at support@bankario.io. Please do not contact banking partners directly, as Bankario Support is best placed to investigate and assist you.

Contact Bankario Support and we will investigate the payment. If you sent funds from another bank, please request a Trace ID for ACH payments or an IMAD for wire payments from your sending bank. This helps us locate the transaction faster.

ACH transfers usually take 1–3 business days. Same Day ACH transfers sent before the daily cutoff may arrive the same business day. Wire transfers are usually processed the same business day if received before the cutoff time.

Minimum and maximum limits may vary by payment method, account type, currency, and region. You can view applicable limits inside your Bankario account before confirming a transaction.

When sending a payment, enter the memo in the Memo, Reference, or Message to Recipient field, depending on your bank. If you are unsure, contact your sending bank before making the transfer.

Some banks may not immediately recognize newer routing numbers. Please contact your bank and ask them to verify the routing number through official banking lookup systems. If the issue continues, contact Bankario Support.

Bankario USD virtual accounts currently support ACH and U.S. domestic wire transfers. They do not currently support SWIFT payments.

You can send money using the payment methods available in your account. Supported countries, currencies, and payment rails may vary depending on your region and account type.

Transactions may remain pending while being processed by banking networks, card networks, compliance reviews, or the receiving financial institution. Processing times vary depending on the payment method.

Receiving funds generally does not incur a payout fee. However, applicable currency conversion fees may apply where a conversion takes place.

Supported incoming transactions may include first-party payments from your own bank account, eligible business payments, payroll payments, and certain third-party payments, depending on your country, account type, and compliance status.

If another service sends microdeposits to verify your Bankario account, the amounts or verification code may appear in your transaction details once received. Microdeposits can take up to 1 business day to arrive.

The 3-letter verification code is usually included in the transaction descriptor of the microdeposit. Check the transaction details inside your Bankario account.

Where supported, you may receive payroll payments directly into your Bankario account using your account details. Availability depends on your country, account type, and compliance status.

Identity verification helps us comply with applicable laws and protect our customers from fraud, money laundering, and financial crime.

Yes. We may temporarily restrict certain account features while conducting security or compliance reviews, verifying information, or complying with applicable legal or regulatory obligations. Once the review is complete, eligible account functionality will be restored where appropriate.

Availability depends on your country of residence and applicable regulations. Supported countries are shown during onboarding.

You can request account closure by contacting Bankario Support. Before closing your account, any remaining balances must be withdrawn and outstanding obligations resolved.

Yes. The number of virtual cards available depends on your subscription plan:

• Standard: 1 virtual card
• Premium: up to 3 virtual cards
• VIP: up to 5 virtual cards

Yes. You can temporarily freeze or unfreeze your Bankario card at any time directly from the app. If your card is permanently lost or stolen, you can also request a replacement where available.

Bankario currently supports the following digital assets:

• USDC (Base)
• EURC (Base)
• USDT (Tron) — currently unavailable to customers located in the European Economic Area (EEA)

Additional cryptocurrencies and blockchain networks may be added over time.

Cryptocurrency transactions are generally irreversible once confirmed on the blockchain. Please carefully verify the recipient address and network before sending funds, as Bankario may not be able to recover incorrectly sent transactions.

Yes. You can cancel your subscription at any time. Your paid benefits remain active until the end of your current billing period.

Bankario Points are our loyalty rewards that you earn by using eligible Bankario services. You can redeem your points in the Bankario Store, where 2,000 points = $1 in redemption value.

Bankario Points cannot be redeemed for cash, transferred to another user, or withdrawn to a bank account or cryptocurrency wallet. They are promotional rewards and do not represent electronic money, deposits, or any other financial asset.

• Standard: 1×
• Premium: 2×
• VIP: 3×

Bankario Points are awarded automatically after eligible transactions are successfully completed. Points may not be awarded for reversed, refunded, failed, or ineligible transactions.

No. Bankario Points are non-transferable and may only be redeemed by the account that earned them. Points cannot be redeemed for cash or withdrawn to a bank account or cryptocurrency wallet.