Withdrawals are made using funds available in the buying power. After selling an asset, the sale settles on T+1 (one business day after the trade). On that day, the funds will be reflected in your buying power and ready for withdrawal. For more information on the settlement period, click here.
Withdrawing to your Bank Account via Local Transfer
Log in to Hapi and go to the Banking 🏦 section.
Select "Transfer to your bank".
Choose the destination country and select the withdrawal option.
Enter the amount in USD you wish to withdraw and click continue.
Complete the withdrawal form (may vary depending on the selected option).
🌎 Available countries: Peru, Colombia, Chile, Mexico, USA, Ecuador, Argentina and Dominican Republic
💰 Fees: USD 4.99 (no minimum amount) / Ecuador USD 7.99 (no minimum amount) / Withdrawal in USD from Peru USD 7.99 (no minimum amount)
⏱ Time: 3 to 5 business days to reach your bank account.
☝️ IMPORTANT:
Withdrawals are only allowed to accounts belonging to the same account holder in Hapi.
For transfers within the USA, you must provide the SWIFT number (For Bank of America, the ABA number is necessary).
Withdraw to your US bank via ACH
Log in to Hapi and go to the Banking 🏦 section.
Select "Transfer to your bank".
Select "ACH" and link your US bank account with Plaid (first time only).
Enter the amount in USD you wish to withdraw and confirm.
🌎 Available countries: All
💰 Fees: USD 5.99 per withdrawal
⏱ Time: up to 4 business days to reach your bank account (estimated time, may vary).
☝️ IMPORTANT:
The US account must be in your name, the same holder as your Hapi account.
More information in ACH Deposits and Withdrawals.
Withdraw to your Bank Account via International Transfer
Log in to Hapi and navigate to the Banking 🏦 section.
Select "Transfer to your bank."
Choose the destination country and select "International Transfer."
Complete the form with your banking information.
🌎 Available countries: All
💰 Costs: USD 20 (Minimum withdrawal amount USD 25) / Venezuela USD 45 (Minimum withdrawal amount USD 55)
⏱ Time: 2 to 7 business days to reach your bank account. Venezuela: 7 to 14 business days. Hapi no longer serves Venezuela. New accounts are not accepted and existing accounts can only liquidate their positions.
☝️ IMPORTANT:
Withdrawals are only allowed to accounts under the same name as your Hapi account.
The personal information used for the transfer (name, surname, etc.) will be the one registered in your Hapi account. Make sure it's correct before submitting the withdrawal request.
You must check with your bank if it accepts international transfers and whether it charges any additional fees for this service.
The exchange rate, in case your account is in another currency, will depend on your bank.
If you entered incorrect bank details, your transfer may be rejected by the bank or sent incorrectly. In these cases, a USD 30 Return Wire fee applies, which you are responsible for covering.
Withdraw to your AIRTM account
Log in to Hapi and navigate to the Banking 🏦 section
Select "Transfer to your bank."
Choose the destination country and select "Airtm.
Enter the amount in USD you wish to withdraw and click continue.
Complete the form with your AIRTM account information.
🌎 Available countries: All, except Brazil, Jamaica, Trinidad and Tobago, and Venezuela.
💰 Fees: 1% of the amount (minimum USD 4.99)
⏱ Times: up to 15 minutes to reach your Airtm account.
☝️ IMPORTANT:
You must have a registered account with AIRTM. This account must belong to the same account holder in Hapi.
Withdraw cryptocurrency
☝️ Crypto deposits and withdrawals are not available in Paraguay, Panama, Venezuela, and Bolivia. In Spain you can withdraw crypto, but not deposit it. In every other country where Hapi operates, you can withdraw crypto.
Making a withdrawal
Log in to Hapi and go to the Transfers section
Select "Transfer cryptocurrency"
Select "Withdrawals"
Choose the cryptocurrency you want to withdraw
Choose the network the transfer will use
Enter the amount and the destination wallet address.
Complete the biometric verification and you're done! Your crypto will be on its way.
☝️ Confirm that the network and cryptocurrency exactly match what the destination wallet accepts before sending — if they don't match, your funds may be permanently lost.
Important:
You must already hold the cryptocurrency in your portfolio before submitting your request.
In Peru and Colombia, we run a security review before your withdrawal. Approval takes 3 to 6 hours and is valid for 24 hours. One withdrawal is allowed per approval.
For security purposes, in certain cases Hapi may ask you for a source-of-funds validation and security questions before completing the withdrawal. If this happens, we'll let you know directly by email.
The maximum amount per withdrawal is USD 3,000 per withdrawal.
🕐 Available hours: Monday 9:00 a.m. to Friday 9:00 p.m., New York time Outside these hours, you won't be able to start a crypto withdrawal.
💰 Cost: Network fee (gas fee). Hapi has no control over this fee, and you'll see an estimate before processing your withdrawal.
⏱ Timing: 5–120 minutes (estimated, may vary depending on the amount and the network).
☝️ IMPORTANT:
Crypto rewards received on Hapi as part of the referral program only become available for withdrawal 120 days after the day they're credited to your account.
Cryptocurrency transfers are final; once a transaction is requested, there's no going back and it cannot be reversed. Make sure to enter the destination address without errors. Any discrepancy in the address or network may result in the permanent loss of those coins.
Any additional doubts on how to withdraw funds? You can contact our support team here. We're here to help!