Client Information
Useful information about our services, rates and terms of service
Banking Services
Account Opening
Opening a personal or corporate account takes 10-15 minutes online. Required: passport, proof of address, income data. KYC procedures are automated with document verification.
Account Maintenance
Basic service is free for Start plan. Includes: account management, mobile app, internet banking, transaction notifications, account statements.
Transfers and Payments
Internal transfers - instant and free. SEPA transfers - 1-2 business days, €0.50. SWIFT - 2-5 days, from €15. Crypto transfers - 10-60 minutes depending on network.
Cryptocurrency Operations
Support for BTC, ETH, USDT, USDC. Cold wallet storage with multi-signature. Crypto account funding - network fee. Fiat withdrawal - 0.5%. Crypto↔fiat exchange - from 0.8%.
Taxation
El Salvador Residents
Preferential tax treatment for crypto operations for Salvador residents. Bitcoin is legal tender. Income from BTC operations is not subject to capital gains tax.
International Clients
Non-residents must comply with their country's tax legislation. The bank provides detailed transaction reports for tax declarations. Automatic exchange of information (CRS/FATCA) for international compliance.
Tax Reporting
Monthly and annual statements for tax purposes. Detailed breakdown of all operations by category. Export to CSV/PDF. Integration with accounting software. Tax consultations (Plus and Business plans).
Personal Income Tax
Interest income on deposits taxed at 10% (withheld automatically). Stock trading income - 10%. Dividends - 5-10% depending on source.
Partnership and Cooperation
Corporate Clients
Individual terms for companies with turnover from €50,000/month. Dedicated manager, preferential transaction fees, API integration, priority 24/7 support.
Partner Program
Refer clients and earn up to 30% of bank commissions in the first year. For legal entities, financial advisors, crypto projects. Marketing materials and support included.
API and Integrations
REST API for payment automation, statements, currency exchange. Webhooks for notifications. SDKs for popular languages (JavaScript, Python, PHP). Documentation and test environment.
Crypto Projects
Special terms for DeFi, NFT, GameFi projects. Bulk crypto payouts, tokenization tools, compliance support, blockchain network integration.
Security and Protection
Two-Factor Authentication
Mandatory 2FA for all operations. Support for SMS, authenticator apps (Google Authenticator, Authy), hardware keys (YubiKey). Backup codes for account recovery.
Deposit Insurance
Fiat funds insured in deposit guarantee fund up to €100,000 per client. Cryptocurrency assets stored in cold wallets with multi-signature and additional insurance up to $500,000.
Transaction Monitoring
Automatic suspicious activity detection system (AML). Real-time notifications for any activity. One-tap card blocking in the app.
Data Privacy
GDPR compliant. Data encryption (AES-256). Server storage in El Salvador jurisdiction. Data not shared with third parties without client consent.