Frequently Asked Questions

Yes, and it is the case we see most. 73% of the businesses we bank arrive after being rejected by an institution. Serial rejections usually mean your file has been shown to the wrong risk appetite, not that no appetite exists. The check tells you which institutions would actually consider your profile before you spend another application finding out the hard way.

How we count these numbers

We work with four verticals only: crypto, iGaming, forex and adult, since 2018. We are not a generalist firm that also does high-risk. If your business sits outside those four, we will tell you honestly at intake rather than take a fee for a case we cannot place.

Yes, with honesty required. Nobody can remove you from MATCH for a fee, and anyone who claims otherwise is lying to you. What exists is a narrower set of acquirers and a sequencing strategy that accounts for the listing. Expect a longer timeline than an unlisted file, and expect us to say so upfront.

No. Licensing is often the first thing we advise on, not a prerequisite for the conversation. Some routes need a license in place before a bank will look at you, others do not, and knowing which applies to your jurisdiction and vertical is part of what the check answers.

It is the best time to check, not too early. At pre-revenue, your first application sets the file every later one gets judged against. A clean file checked before it exists on any bank’s radar is the strongest starting position we ever see, and it costs nothing to confirm.

Engagements start from 1,500 EUR plus the institution’s own onboarding fees. That is the floor, not a final number: the exact scope is quoted in writing after the free check, once we know your vertical, volume and situation, and before you commit to anything.

No. The pre-approval check is free regardless of outcome. If our read is that we cannot place you, or not yet, you get that answer in writing, at no cost, within 48 hours. We do not take a fee to file an application we already believe will fail.

No. The published floor covers our work; the only other cost is the receiving institution’s own onboarding fee, which we disclose before you proceed, not after. We never charge to remove you from a blacklist, guarantee an outcome, or rush a review, because none of those are real services and we do not sell fictions.

Our fee is paid by the client. We receive no commission from any bank, EMI, payment provider or partner, and we represent the client, never the financial institution. Our fee starts from 1,500 EUR and scales with the complexity of the case, and the institution’s own onboarding fee is separate. We take a case on only when we believe we can place it, and if we cannot, we tell you so plainly.

How we count these numbers

Discretion is the product. The operators we place value being unseen, and we protect that the same way we protect our own principals. A logo wall would tell every institution and competitor who our clients are and what they needed, which is exactly the exposure a de-risked business is trying to avoid.

Our guides draw on the placement patterns we see across our network, and each one is reviewed before publication by Stanley Myers, Head of Research & Editorial, whose LinkedIn profile is linked from his author page. Client details are never published: everything is generalised and anonymised, with the same discretion we apply in client work.

87% of the businesses we take on after our selection process pass pre-approval and are onboarded; 13% do not pass pre-approval. We select before we start, so the figure describes the cases we accept, not every enquiry we receive, which is why it is higher than an open-door success rate would be. In total, more than 300 businesses have been onboarded.

How we count these numbers

Every engagement is confidential from the first message, not from a signed contract onward. We do not need your legal name or company registration to start a conversation, and specifics about your case, our partner institutions, or the route we recommend are shared only under that confidentiality, never in marketing material.

No. BankMyCapital is a strategic consultancy, not a licensed financial institution. We do not directly hold or offer any financial product. Every account, license or processing arrangement we place you with is provided by a separate, regulated third-party institution, and we say this plainly because a consultancy that blurs that line is one worth avoiding.

We have operated since 2018, we attend the same industry expos our clients do in person, ICE, SiGMA, Token2049 and others, and we publish our pricing floor instead of hiding it. None of that is provable by a screenshot, which is exactly why we invite you to verify us slowly, under NDA, rather than trust a claim on a landing page.

Two to three weeks is typical from a completed assessment to a live account, when the file is pre-vetted and well prepared. Applying cold, without a check first, typically runs three to six months if it lands at all. MATCH-listed cases and some licensing routes take longer, and we state the realistic range before you start, not after.

A person, not a bot, reads your message the same day. We ask enough to assess your file, confirm which institutions have appetite for your profile, and send a written answer within 48 hours, under NDA. There is no sales call required to get that first answer.

It depends on the route, but most files need incorporation documents, proof of ownership structure, a description of your processing flow or licensed activity, and recent bank statements if you have them. We give you the exact list for your case in the written check, so you are never guessing at what to gather.

A person. Every message, assessment and written check is handled by our senior team directly, not an automated intake system or a junior call center. If your situation is urgent, that same person is reachable on Telegram, not hidden behind a ticket queue.

No, and nobody can, for a fee or otherwise. Removal from MATCH follows the acquiring bank’s own process and timeline, not a consultancy’s intervention. What we can do is build a route around the listing: a narrower set of acquirers willing to underwrite it and a sequencing strategy that gives you the best realistic outcome.

Frozen funds follow the holding institution’s own timeline, and we do not control that release. What usually does not have to wait is a replacement route: operators in this position typically run recovery of the held funds and re-placement with a new institution in parallel, so the freeze does not stop the business a second time.

Almost always, yes. Self-directed applications typically go to the most visible institutions, which are also the ones with the least appetite for high-risk files. Our value is the less visible tier: banks and EMIs that do take your profile but were never on the list you were applying to in the first place.

Most closures and freezes come from a risk review, not from something you did wrong. Institutions often exit a whole category such as crypto, iGaming, forex or adult, or a monitoring rule trips on volume, source of funds or a mismatch with the business description on file, and the notice is deliberately vague. You usually cannot get a detailed reason, but you can ask in writing for the basis, the owner of the review and the expected timeline. Then rebuild your file before applying anywhere else: a clear business description, source-of-funds evidence and consistent figures. Applying again straight away with the same file tends to repeat the outcome.

There is no single answer. Holds depend on the institution, the country it operates in and the reason for the review, and they can run from days to several months. We do not promise a release date, and nobody outside the institution controls it. What you can do: ask in writing for the reason, the documents still needed and a review period; answer every request fully in one reply; keep a log of every contact; and start a replacement route in parallel, so that one hold cannot stop the business a second time. If the amount is large or the hold looks unlawful, speak to a lawyer in the account’s jurisdiction.

Frontline support rarely decides anything. The decision sits with a compliance or risk team that customers cannot reach directly. Escalate in writing: reply in the case thread, ask for it to be passed to the compliance team, then use the institution’s formal complaints route, which regulated institutions are expected to answer. Keep messages short, factual and numbered, and attach each document once. We cannot overrule an institution, but we can tell you who is likely to read your file and how to frame it for that reader.

A complete set of documents does not end a review. The file then goes through checks you do not see: sanctions and adverse-media screening, source-of-funds analysis, and sometimes a second reviewer or the institution’s partner bank. New questions often follow, which feels like a loop. Ask whether the review is waiting on you or on them, and request the next step and a date in writing. Send a short cover note listing what you attached, so nothing can be called missing. If nothing moves after a reasonable wait, escalate through the complaints route and prepare a backup account in parallel.

Do not wait for the release. In the first days, set up a second operating route: a separate account or EMI that does not depend on the frozen one, even with limits. Tell suppliers and your payroll provider early, because an honest delay notice protects the relationship. For taxes and statutory payments, contact the authority directly: a frozen account is a documented reason to ask for time, but only if you ask before the deadline. Do not move money through personal accounts or third parties to get around the freeze, as that creates a worse compliance problem.

First find out which side stopped it: your institution, the sender’s bank or an intermediary. Ask your institution for the status and the reference in writing, and ask the client to request a trace from their bank. Keep the contract, invoice and proof of service ready, because the review will usually ask for them. Tell the client early, and propose a different payment route if the delay continues. A returned payment is not always a verdict on your account, but repeated returns are a signal to review your payment flows and the business description on file.

You cannot remove the risk, but you can remove most surprises. Keep the business description on file identical to what you actually do. Raise volumes in steps instead of jumping, and warn the institution before known spikes such as a launch or a campaign. Keep source-of-funds and ownership documents current, answer review requests quickly, and do not add new countries, products or payment types without telling them. Most important, do not depend on a single institution: a second account, opened while the first still works, is the cheapest protection a high-risk crypto, iGaming, forex or adult business has.

Sometimes, but less often than operators fear. A closure is usually an internal decision that the institution does not share across the industry. What does travel is a formal listing, such as the MATCH list for card acceptance, and anything you are asked to disclose on an application, such as a prior closure. Never hide a closure: undisclosed history is a common reason for a second rejection. Present the facts, the reason if known and what has changed, and choose institutions that actually accept your category. That is much of what a pre-approval check is for.