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How can I fund my account?

Here's an overview of all 5 ways to deposit money into your Hapi account so you can start investing from US$1.

1. Direct Deposit in Hapi:

You can create deposit tickets and pay them directly from your Hapi account:

  1. Log in to Hapi and go to Banking 🏦

  2. Select "Transfer to Hapi"

  3. Choose the country from which you will make the deposit and select your deposit method. If your bank is not listed, choose "Other banks."

  4. Enter the amount (in USD) you want to deposit and click on "Transfer."

  5. Follow the instructions to complete the payment (which may vary depending on the selected option)*

  6. Pay the ticket and return to the app to "Notify Deposit."

Cutoff time: deposits made before 12 pm ET are credited within the processing time of each method and country (see the table). Deposits made after 12 pm ET are processed starting the next business day. Deposits made on weekends or U.S. holidays are also processed starting the next business day. See the stock market holidays.

If this is your first deposit, the time starts counting from the moment you verify your identity.

We recommend waiting for your deposit to be completed before creating another one.

  • For a deposit receipt to be valid, it must include the deposit date, the amount deposited, the originating account, the destination account and the operation number. The receipt must also be a screenshot, not a photo taken from another phone.

  • If your deposit is taking longer than the time mentioned, it may be going through a manual review. You can contact support to report the delay or get updates on the status of your deposit.

🌎 Countries with direct deposit methods: Argentina, Chile, Colombia, Costa Rica, Ecuador, Mexico, Peru and Dominican Republic.

☝️ In Peru, the time depends on the provider and the type of transfer (see the table and the Peru note).

Direct deposit costs and times in Hapi:

Country

Payment method

Deposit fee

Estimated time

🇨🇱 Chile

Transfer (CLP)

Minimum fee: $2.99. Regular fee: 0.55%

Up to 15 minutes

🇨🇴 Colombia

PSE transfer (COP)

Minimum fee: $1.99. Regular fee: 0.45%

Up to 15 minutes

🇲🇽 Mexico

Transfer (MXN)

Minimum fee: $2.99. Regular fee: 0.45%

Up to 15 minutes

🇦🇷 Argentina

Transfer (ARS)

Minimum fee: $2.99. Regular fee: 0.55%

Up to 15 minutes

🇵🇪 Peru

Transfer (PEN) with Koywe or Momento

Minimum fee: $1.99. Regular fee: 0.9%

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day

🇵🇪 Peru

Transfer (PEN) with Cross Payments

Flat fee: $1.99

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day. If it is an interbank transfer, up to 2 business days

🇵🇪 Peru

Transfer (USD) with Koywe

Minimum fee: $2.99. Regular fee: 0.9%

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day

🇵🇪 Peru

Transfer (USD) with Cross Payments

Minimum fee: $2.99. Regular fee: 0.45%

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day. If it is an interbank transfer, up to 2 business days

🌐 AIRTM

Transfer (USD)

Minimum fee: $2.99. Regular fee: 0.65%

Up to 15 minutes

🇩🇴 Dominican Republic

Transfer (DOP)

Minimum fee: $1.99. Regular fee: 0.9%

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day

🇩🇴 Dominican Republic

Transfer (USD)

Minimum fee: $2.99. Regular fee: 1.25%

Up to 4 business hours if you deposit before 12 pm ET; after that, up to 1 business day

🇨🇷 Costa Rica

Transfer (USD)

Minimum fee: $2.99. Regular fee: 1.55%

Up to 30 minutes

🇪🇨 Ecuador

Transfer (USD)

Minimum fee: $1.99. Regular fee: 1.5% + ISD 5% (Ecuador's currency outflow tax)

Up to 30 minutes

Times are estimates, may vary by bank and method, and are not guaranteed. The current fee is always shown in the app before you confirm your deposit.

Note on Peru: in dollars, Koywe charges 0.9% and Cross Payments charges 0.45%. In soles, Cross Payments charges a flat $1.99 and Koywe or Momento charge 0.9% (minimum $1.99). Koywe, Momento and Cross Payments share the same 12 pm ET cutoff: before it, up to 4 business hours; after it, up to 1 business day. With Cross Payments, if it is an interbank transfer, up to 2 business days.

Immediate or deferred transfer: when depositing from your bank in Peru, you can choose between an immediate or a deferred transfer. Crediting times depend on when the funds reach Hapi's accounts, so a deposit made with a deferred transfer may take a bit longer, depending on your bank. In addition, depending on your bank, an immediate transfer may carry an extra charge. That fee is charged by your bank, not by Hapi (Hapi does not receive it), and it may reduce the amount that reaches your Hapi account. You can see the breakdown of amounts and fees in your bank's app; for further questions, please contact your bank.

2. Card deposit in Hapi:

Follow these steps from the Banking section of the app:

  1. Click "Transfer to Hapi".

  2. Select your country and choose "Credit or debit card".

  3. Set the amount you want to deposit.

  4. Choose your document type and enter the number.

  5. Enter your card details.

  6. That's it! You can start investing.

This deposit method can take up to 15 minutes to be reflected. If your deposit goes through a security review, it can take up to 1 business day. If this is your first deposit, the time starts counting from the moment you verify your identity. Deposits made on weekends or U.S. holidays are processed starting the next business day (see holidays). If more than one business day has passed and you don't see the full deposit, you can contact our support team for help.

Please keep in mind the following:

  • We accept cards ONLY in your name.

  • The card must be issued in a country where Hapi operates.

  • We will validate that the card belongs to the same holder as your Hapi account.

  • Your bank may apply additional fees depending on your financial institution and country. We recommend checking with them for more details.

  • If you use a credit card, your bank may treat the deposit as a cash advance and charge you interest or additional fees. Keep in mind that investing with borrowed money increases your risk.

Card deposits have a 3.85% fee on the deposit amount, with a minimum fee of USD 2.99.

📝 Examples:

  • If you want to deposit USD 100 with this method, the fee will be USD 3.85

  • If you want to deposit USD 50 with this method, the fee will be USD 2.99

🌎 Countries with credit/debit card deposits: Peru, Colombia, Argentina, Brazil, Costa Rica, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay, Uruguay, Chile, Dominican Republic, Spain and United States.

3. ACH deposit (from a U.S. bank):

If you have a bank account in the United States, you can deposit with ACH from the app: go to Banking, tap "Transfer money", select "Deposit funds" and choose ACH. Link your bank account once with Plaid.

  • Fee: US$2.99 per transaction.

  • Estimated time: 1 to 4 business days.

  • ACH deposits made on weekends or U.S. holidays are processed starting the next business day.

The linked bank account must belong to the Hapi account holder. Learn more in ACH Deposits and Withdrawals.

4. Crypto deposit:

Transfer cryptocurrencies from other wallets or exchanges to your Hapi account:

  1. Log in to Hapi and go to Banking 🏦

  2. Select "Transfer crypto"

  3. Click "Deposits" and select the crypto you want to transfer from the available options

  4. Copy or scan the address of your Hapi wallet

  5. Go to your crypto wallet or exchange and transfer the amount of crypto you want using the wallet address and compatible network for that currency

Crypto deposits usually take between 60 and 120 minutes. Times may vary depending on the number of coins and the network used. Make sure you send your crypto over the same network: if it is sent over a different network, it may not be recoverable.

🌎 Crypto deposits are NOT available in: Bolivia, Spain, Panama and Paraguay.

5. Wire Transfer via SWIFT:

You can make an international bank transfer only from your personal bank account, not from business or third-party accounts:

  1. Log in to Hapi and go to Banking 🏦

  2. Select "Transfer to Hapi"

  3. Choose the country from which you will make the deposit and select "International Transfer."

  4. Use the following wire information below to complete a transfer from your bank. These bank details do not accept ACH transfers. If you want to deposit with ACH, do it from the app (Banking → Transfer money → Deposit funds → ACH) with your bank account linked through Plaid.

BMO Harris Bank

Bank Address: 111 W Monroe St, Chicago, IL 60603

Apex Clearing Corporation

Beneficiary Address: 350 North St. Paul Street 1300, Dallas, TX 75201

ABA: 071000288

SWIFT Code: HATRUS44

Apex Clearing Account Number: 3713286

For Further Credit:

Client Account # (Enter your 8-digit account #)

Name: Enter your First and Last Name

Please note this is for our clearing firm, Apex. Be sure to include your name and account number in the For Further Credit section, as this helps ensure it is applied correctly to your account. After initiating a wire transfer, please send the voucher to [email protected].

Transfers must be in dollars (USD), and the processing time varies (usually 1 to 3 business days). Your bank or intermediary banks may charge fees for the transfer.

You can contact our support team here. We're here to help!

Start now

Hapi Securities LLC | Member of FINRA and SIPC

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