Everything you need to know about Chapter Bank. Can't find what you're looking for? Contact our support team.
Getting Started
How long does it take to open an account?
Personal accounts take about 5 minutes for initial signup, plus identity verification (usually under 2 minutes via video or document upload). Business accounts require additional company details and typically complete within 1-2 business days.
What documents do I need?
Personal: Government-issued ID (passport/driver's license) and proof of address (utility bill/bank statement <3 months old). Business: Company registration, beneficial owner IDs, proof of business address, and source of funds documentation.
Can I open an account from my country?
Chapter serves customers in most countries outside high-risk jurisdictions (FATF blacklist). Check eligibility during signup—most users are approved instantly. US residents currently waitlisted for regulatory reasons.
How do I verify my identity?
Use our secure video ID process or upload documents directly in the app. We use automated checks plus manual review where required to meet KYC/AML standards.
Account Management
How do I add money to my account?
Bank transfer (SEPA/SWIFT/Fedwire) Debit/credit card (select regions) Crypto deposit to your custodian wallet Funds typically appear within minutes (crypto/card) to 1-3 business days (transfers).
Can I have multiple accounts or currencies?
Yes! Hold unlimited currencies in one personal account. Businesses get sub-accounts for departments, projects, or entities. Switch between them seamlessly in the app.
What currencies do you support?
USD, EUR, GBP, CHF, CAD, AUD, JPY, SEK, NOK, DKK, PLN, HUF, CZK, SGD, HKD, and more. Full list in app.
How do I close my account?
Withdraw all funds, contact support via chat, and request closure. No fees for standard closures. Processing takes 3-5 business days with final compliance checks.
Payments & Transfers
How long do SEPA transfers take?
SEPA: Same day (often instant). SEPA Instant: Under 10 seconds. SWIFT: 1-5 business days depending on destination and correspondent banks.
Are international transfers free?
SEPA: Free (incoming/outgoing). SWIFT: Transparent flat fees shown before sending (typically lower than traditional banks). No hidden FX markups.
What's the maximum transfer limit?
Personal: $1M/day (higher with verification). Business: Custom limits based on account tier and compliance review.
Can I schedule recurring payments?
Yes—set up automatic payroll, vendor payments, or personal transfers. Edit or pause anytime.
Cards (Coming Soon)
When is the debit card launching?
Q4 2026. Join the waitlist for early access and $50 bonus on first load.
What will the card support?
Multi-currency spending (USD/EUR/GBP/BTC), 1% BTC cashback, ATM withdrawals worldwide, virtual + physical cards. No FX fees.
Secured in institutional-grade custody (Fireblocks-style): 98% cold storage, fully insured, no rehypothecation. Your private keys never leave your control.
How do I deposit crypto?
Generate a deposit address/QR code in app. Send from external wallet. Supports BTC (mainnet/Lightning). Confirmation in ~10-60 minutes.
What happens if Chapter gets hacked?
Fiat: Deposit insurance up to regulatory limits. Crypto: Cold storage insurance + segregated wallets. Hot wallet limited to daily needs. Full incident response tested quarterly.
Can I withdraw to my own wallet?
Yes—anytime to any compatible address. Network fees only. Multi-sig approval for business accounts.
