# GrabrFi Help Center
---
Source: https://help.grabrfi.com/en/content/what-is-grabrfi
# What is Grabrfi?
_Category: General_
GrabrFi is a digital service that gives you a global account that holds digital dollars without needing to travel to the US or be a US resident. You can open one online in minutes with just your ID.
It is built for people who move money across borders: if you work for a company abroad, get paid by international platforms, pay for services in another country, or want to save in digital dollars, GrabrFi is for you.
**What you can do with your global account**
- **Get paid from around the world.**Receive payments from employers, platforms, and clients by ACH or wire.
- **Hold and save in dollars.**Keep your balance in digital dollars, and opt into Boost to earn a 2.57% annual rate, with no lock-ups and no minimums.
- **Send and receive digital dollars.**Transfers arrive in minutes, any day of the week.
- **Spend worldwide.**Use your global card anywhere Visa is accepted.
- **Withdraw to your local currency.**Cash out to local currency in supported countries. See: [How to withdraw to local currency](https://help.grabrfi.com/en/content/how-to-withdraw-to-local-currency-argentina-colombia-and-brazil).
- **Top up from local payment methods.**Add money using local payment methods in supported countries. See: [Top up methods](https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-local-currency-argentina-brazil-colombia-mexico-and-nigeria).
**Good to know**
A global account is not a bank account. Your balance is held as digital dollars rather than a bank deposit, which means it is not FDIC insured. To understand how your money is held and protected, see: [Is my balance insured](https://help.grabrfi.com/content/is-my-stablecoin-balance-fdic-insured)?
---
Source: https://help.grabrfi.com/en/content/is-it-free-to-open-an-account
# Is it free to open an account?
_Category: General_
It is completely free to open a GrabrFi account. There is no monthly fee, no monthly maintenance fee, and no minimum balance requirement.
We will not charge you for any email, notification, or SMS* you receive.
Closing your account: if your balance is $0 or over $20, closing is free. If your balance is between $0.01 and $20, the remaining balance is applied as the closing fee. If we need to mail you a check to return your balance, a physical check fee applies. See the full [schedule of fees](https://help.grabrfi.com/content/full-schedule-of-fees) for details.
*Please check with your mobile provider whether they charge for incoming SMS.
---
Source: https://help.grabrfi.com/en/content/are-there-spending-fees-for-using-my-global-card
# Are there spending fees for using my global card?
_Category: Pricing and limits_
GrabrFi does not charge a fee for using your global card at merchants in the United States. For purchases at merchants outside the United States, a 1.5% foreign transaction fee applies, regardless of the currency charged.
Some merchants may add their own surcharge for paying with a card instead of cash, where allowed by law. Any such surcharge goes directly to the merchant and is not a fee charged by GrabrFi.
---
Source: https://help.grabrfi.com/en/content/transfers-settlement-times-cut-off-times-and-how-to-resolve-any-issues
# Transfers: Settlement Times, Cut-Off Times, and How to Resolve Any Issues
_Category: Transactions and transfers_
# **How long does it take for transfers to reach my account or my recipient?**
It depends on the rail used. Stablecoin transfers run 24/7 and usually complete within an hour. Bank transfers (ACH and wire) follow US banking hours and have daily cut-off times.
Cut-off times are the daily deadlines set by the US banking system, which processes transactions in batches. A transfer sent after the cut-off is processed on the next banking day.
All times below are Eastern Time (ET). Business days are Monday to Friday, excluding [US banking holidays](https://help.grabrfi.com/en/content/how-us-banking-holidays-affect-transfer-and-transaction-timeframes-Aj29x).
| **Transfer type** | **Cut-off (ET)** | **Expected arrival** | **Contact support if not received** |
| --- | --- | --- | --- |
| Same Day ACH | 9:30 AM, 1:45 PM, 2:30 PM | 1:00 PM, 5:00 PM or 6:00 PM the same day | By the next business day |
| ACH | 4:45 PM | 8:30 AM the next business day | By the end of the next business day |
| Wire | 4:45 PM | Up to 2 hours after sending | By the next business day |
| Stablecoins | No cut-off, 24/7 | Up to 30 minutes (USDT up to 60 minutes) | After 1 hour |
These times apply to transfers you send and receive.
*Things to keep in mind*
- Business days only: ACH and wire transfers are processed on business days only. Transfers initiated after the applicable cutoff time, or on weekends or bank holidays, will be processed on the next business day.
- USDT transfers: USDT transfers may take up to 60 minutes because they are converted at the current market rate before being sent.
- Additional reviews: In some cases, transfers may require additional review, which can add up to 2 business hours to processing time.
- Large transfers: Transfers over $500,000 may require up to 1 additional hour to process.
# **What should I provide if I haven't received a transfer?**
If your transfer hasn't arrived after the expected settlement time (including the additional waiting period), ask the sender for the transfer confirmation from their bank and share it with our Support team.
- **ACH:** Sender's name, date and time sent, amount, and the ACH trace number or Federal Reserve report.
- **Wire:** Sender's name, sending bank, date and time sent, amount, and the IMAD or OMAD reference number.
- **Stablecoins:** Transaction hash (TxID), network, token, amount, and the sending wallet address.
---
Source: https://help.grabrfi.com/en/content/terms
# GrabrFi Terms of Use
_Category: Legal_
Last updated: February 29, 2024
Welcome to GrabrFi. We provide a platform (the “Platform”) to access banking services offered by our partners. Please see below for more details.
IMPORTANT NOTICE: PLEASE READ THIS AGREEMENT CAREFULLY, IT CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER THAT AFFECTS YOUR LEGAL RIGHTS AND REMEDIES AS DETAILED IN THE SECTION TITLED ARBITRATION AND CLASS ACTION WAIVER BELOW. PLEASE READ CAREFULLY AND DISCONTINUE USE OF THE GRABRFI SERVICE IF YOU DO NOT AGREE.
This Agreement contains important information about Your legal rights, remedies, and obligations. References to “You” or “Your” mean the person(s) who accesses, uses, and/or uses GrabrFi or the Service in any way, and each of their heirs, successors, and assigns. By accessing or using any part of our Service, You are agreeing to this Agreement, and incorporated and referenced documents.
Grabr has contracted with certain service providers in order to provide services to you. Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates Synapse Brokerage LLC and Synapse Credit LLC (collectively, “Synapse”) and certain third party financial service providers (each of the foregoing being a “Partner Financial Institution”). Synapse is not a bank and is not affiliated with Grabr. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of [FINRA](https://www.finra.org/#/) and [SIPC](https://www.sipc.org/). Additional information about Synapse Brokerage can be found on [FINRA's BrokerCheck](https://brokercheck.finra.org/firm/summary/137662).
By participating in a Synapse cash management program, you acknowledge receipt of and accept [Synapse’s Terms of Service](https://synapsefi.com/synapse-enabled-services-tos), [Privacy Policy](https://synapsefi.com/privacy), and the applicable disclosures and agreements available in [Synapse’s Disclosure Library](https://synapsefi.com/legal). The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the [List of Program Banks](https://synapsefi.com/list-of-program-banks).
By creating an account with Grabr and initiating financial transactions, you agree to Synapse’s [Synapse’s Terms of Service](https://synapsefi.com/synapse-enabled-services-tos) and[Privacy Policy](https://synapsefi.com/privacy). You also agree to the terms of service and privacy policy of Synapse’s Partner Financial Institution corresponding to the financial service and product(s) you select (collectively, “Synapse Terms”), each of which can be found[here](https://synapsefi.com/legal) and which are incorporated herein by reference. By creating an account with us, you acknowledge that Synapse may share your information as necessary with their affiliates, Partner Financial Institutions and other service providers in connection with providing their respective services. It is your responsibility to make sure that the information you provide to Grabr is accurate and complete. Additionally, you are responsible for complying with Synapse Terms when using your account. It is your responsibility to read and understand Synapse Terms as it contains terms and conditions relating to your account including but not limited to your rights, limitations, reversal and other liabilities, limitation of liability and binding arbitration provisions. All financial transactions are performed by Synapse’s Partner Financial Institutions, a list of which can be found at [synapsefi.com/legal](http://synapsefi.com/legal). Grabr will provide you with all access to all transaction notifications and account balances in addition to providing customer support relating to your account. You should refer to your account agreement for more important information.
**Electronic Communications.** You agree to receive all notices and other communications from us electronically. We do not offer physical mail or paper notifications or statements. If you notify us that you no longer want to receive electronic communications, we will close your account.
**Changes to this Agreement.** Subject to applicable law, Grabr reserves the right to modify these Terms at any time. Grabr will provide email notice of any changes to the Terms and we will post the updated version of the Terms on our App. Your continued use of the Services after receiving such notice will evidence your consent to the updated Terms.
**User Information, Accuracy & Updates.**To access GrabrFi, you must create a user account with Grabr. This process will include creation of a Login ID and password to access the App and the Services. When you sign up for a user account, you agree to provide accurate, current, and complete information—such as your name, mailing address, and email address –as may be prompted by any registration forms available through the App, in connection with the Services or as otherwise requested by Grabr or its partners for such information (“User Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the App and the Service.
In order to use certain parts of the Service, Grabr or its partners may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the App and/or the Service.
Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Profile section of the Grabr app, click on “Settings,” and update your User Information accordingly.
Should you believe or have reason to believe that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible.
**Overview of Services**
1. GrabrFi Account Services. GrabrFi is not a bank. As is explained above, GrabrFi offers a cash management account through Synapse’s Partner Financial Institutions. All financial transactions, excluding any Currency Conversion Services, are performed by Synapse’s Partner Financial Institutions, a list of which can be found at [synapsefi.com/legal](http://synapsefi.com/legal).
2. Currency Conversion Services. We also offer services to add funds to your cash management account in United States Dollars through the conversion of other currencies. We do not provide these conversion services ourselves. Currency conversion services are provided by third parties and vary depending on the currency and country of origin. You must separately agree to any terms of service provided by these third parties. You may find a list of third parties through which this service is provided by currency below:
Argentinian Peso: PERDURY S.A.
Brazilian Real: PERDURY S.A.
Limits to currency conversion services are solely limited by your account financial transaction limits.
In addition to any limits imposed by our partners, within a given business week (Monday to Friday, 9 AM to 5 PM Eastern Time), the first $100.00 of currency conversions will be made available to your account balance instantly. Any amount over $100.00 will be made available to your account balance within nine business days after the time of a transaction or longer if specified by our partner.
Currency exchange rates are subject to change without notice and will be provided to you at the time of a requested transaction.
**Schedule of Fees.** Grabr charges account holders fees for particular transactions. You can find current fees on our [website](https://help.grabrfi.com/en/content/schedule-of-fees). To the extent required by law, we will provide advance notice of any increase in fees.
To the extent permitted by law, Grabr reserves the right to modify transaction fees at any time via electronic notice. In the event that a change to our transaction fees or terms of service will result in an increase of fees, an increase of liability to our users, fewer types of electronic funds transfers or stricter limitations, you will be notified via email 30 days before the effective date. To view an update-to-date schedule of fees, see [GrabrFi Pricing](https://help.grabrfi.com/en/content/schedule-of-fees).
Incurred fees will be debited from your account per the terms of your account agreement and will be reflected on your periodic statement.
**Overview of App Services.** If you open a GrabrFi Account, you will be able to manage your account, view your transaction history and other account information, perform certain transactions, and access various features of your account and card using the App Services available through the App. Your use of the App Services is governed by these Terms. However, the GrabrFi Cash Management Account and any transactions you make on it (including transactions you initiate through the App Services) are covered by your Synapse Brokerage Customer Agreement.
**Available Features and Transactions.** The Mobile Banking Services allow you to perform the following functions and transactions on your GrabrFi Cash Management Account:
- View your balance and at least the last 90 days of transaction history.
- Transfer funds between your GrabrFi Cash Management Account and a linked account. This feature is only available if you have linked a separate bank account to your GrabrFi account.
- Access the “Send a Check” service that allows you to send payments to pay your bills and other expenses from your GrabrFi Cash Management Account.
- Update your email address, mailing address and other account-related information.
- Obtain live support and customer service through the Mobile App’s chat function.
- Other transactions, features or capabilities as may be offered in the future.
**Account Information, Balances and Transaction History.** The account information that you access through the App Services will generally be current as of the business day you access the information, unless another time is specified.
**Wire Transfers.** Time Restrictions. Daily time restrictions for wire acceptance: 10:00 AM PST is the cut off time for international wires, 1:00 PM PST is the cut off time for domestic wire transfers. Any wire transfer instructions received after these times will be processed the following business day.
**Security Procedures.** You will be required to use a Two-Factor Authentication control, in addition to Your login, to authorize a wire transfer. This control is an appropriate security procedure, designed to verify the authenticity of the order, and not to detect errors in transmission.
**No Cancellation.** All wire requests are final and are not subject to recall orders or stop payments.
**Payment Order.** You may only initiate a wire transaction via the GrabrFi website. You are solely responsible for the accuracy of the information contained in the payment order. The wire transaction will be completed relying exclusively on the information provided by you.
**Authorization to Transfer Funds.** Via the wire services, you must authorize Partner Financial Institution(s) to execute payment orders on their behalf and to debit the user's account specified in the payment order for the amount of the wire transfer.
**Intellectual Property.**All information and material on our App (collectively the “Materials”), other than content provided by you ("User Content"), is either owned by Grabr or is licensed by the respective owners. You are not allowed to use these materials except as we permit You to do so in writing. The trademarks and service marks Grabr and the associated logo and graphics are owned by Grabr, protected by copyright, trademark, and other laws of the United States, foreign countries, and international conventions. Any other marks are the property of their respective owners. You agree that You recognize our rights and the rights of third parties in their respective marks and that You may not copy, use or other exploit them except as permitted in writing. We retain ownership of all of our intellectual property rights and You have no rights to our intellectual property or rights in intellectual property.
Subject to Your continued compliance with these Terms, and in Our sole discretion, Grabr grants You a limited, non-exclusive, revocable, royalty-fee, fully paid up, nontransferable, and non-sublicensable license to reproduce and display content from the App (excluding any software source code) only in connection with Your access to and participation in the Grabr Platform for Your personal and non-commercial use. You will not use, copy, adapt, modify, prepare derivative works based upon, distribute, sell, perform, or display content, except as expressly permitted in the Terms. No other licenses or rights are granted to You by implication or otherwise under any intellectual property rights owned or controlled by Grabr or its licensors.
**Copyright.** We respect and expect You to respect copyright law. Where warranted, we will terminate the Account of any user who repeatedly infringes or is believed to be repeatedly infringing the rights of copyright holders. Please see our Copyright & DMCA Policy for more information.
**Prohibited Actions.** You agree not to: (a) decompile, reverse engineer, disassemble, modify, reduce the App to human perceivable form or create derivative works based upon the App or any part thereof; (b) disable any licensing or control features of the App; (c) “frame” the App or any portion thereof or otherwise cause the App or its contents to appear to be provided by anyone except Grabr; (d) introduce into the App any virus or other code or routine intended to disrupt or damage the App, or alter, damage or delete any Materials, or retrieve or record information about the App or its users; (e) merge the App or Materials with another program or create derivative works based on the App or Materials; (f) remove, obscure, or alter any notice of the copyright or other proprietary legends on the App or Materials; (g) sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the Materials or access to the App to others; (h) use, or allow the use of, the App or the Materials in contravention of any federal, state, local, foreign or other applicable law, or rules or regulations of regulatory or administrative organizations; or (i) otherwise act in a fraudulent, illegal, malicious or negligent manner when using the App. Except as expressly provided herein, Grabr and the third parties reserve all rights with respect to the App, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations.
Account Registration, Member Verification and Other Member Representations And Warranties. To access some of our features and services, You will need to validly register to open an account (“Account”) and become a member (“Member”). Eligibility for GrabrFi accounts is not guaranteed. We and the Partner Financial Institution(s) will determine eligibility.
You are only eligible to have one (1) account at a time, and are not allowed to transfer Your account at any time to another person or entity. As indicated above, by doing so, You represent and warrant that you are over the age of eighteen (18) and are capable of entering into legally binding agreements in the relevant jurisdiction(s).
You also represent and warrant that You will comply with all US, California, and other applicable laws and financial regulations. You also represent and warrant that (i) neither You nor the subject of Your transaction is the subject of a United States or other country’s embargo, or that it has been designated by the United States Government as a “terrorist supporting” country and that (ii) You are not listed on any United States Government or any other country’s list of prohibited or restricted parties.
To create a Member account, You must create a password-protected account. For additional security we require multi-factor authentication, where an SMS code will be sent to your registered mobile phone. The password You created and the SMS code will be required to access your Account. You may register for an Account using Your email and creating a password, or by using Your existing third-party networking accounts that are enabled by Grabr now or in the future such as Google, or Facebook, Twitter, or others (“Third Party Networks”), if any. You agree to provide accurate, current, and complete information during the Account registration process and at all other times when You use the GrabrFi Platform, and to continually update information sufficient to keep it accurate, current, and complete. You and You alone are responsible for safeguarding your GrabrFi Account password and other information, if applicable to a Third Party Network, and You are solely responsible for all activity that occurs on or through your Account or Third Party Network- created account and that You will immediately inform Grabr of any suspected unauthorized use. Grabr is not liable or otherwise responsible for any loss or damage that any party claims is caused in whole or part by unauthorized use of Your Account. Notwithstanding the foregoing, You may, however, be liable or responsible to Grabr or third parties due to unauthorized use of Your Account.
You will be required to submit a valid and current form of identification and photographic proof that You are the owner of said identification. Identification services are provided by Stripe, Inc.
You acknowledge and agree that, as permitted by applicable laws, Grabr may in its sole discretion, but is not obligated to, obtain reports from consumer reporting agencies or otherwise review publicly available information about Members, including databases compiling information about criminal convictions relating to, without limitation, crimes of violence, theft, burglary, conspiracy, abuse, neglect, fraud, dishonesty, perjury, forgery, embezzlement, cyber crimes, identity theft, drug related offense, obstruction, organized crime, prostitution, warrant violations, weapons offenses and crimes which endanger the life or property of others. By accessing or using the Grabr Platform, You authorize us to use Your personal information (including name, address, date of birth or other identifying information) to obtain these reports and agree that We may, in Our sole discretion suspend, cancel, block, restrict, or terminate Your access to the Grabr Platform based upon Our evaluation of such reports, again in our sole discretion.
**SMS or Text Messaging.** By creating an Account, and becoming a Member, You agree that We may send you text (SMS) messages as part of the normal business operation of Your use of the GrabrFi Platform. Such uses include without limitation, to provide You with information you requested from Grabr, to provide you with multi-factor authorization login codes, to alert you to account activity, to let you know about features, functions, improvements or changes to the Platform, or other aspects of your Account.
These text (SMS) messages may be automated or non-automated, and while Grabr does not charge You to send or receive such messages, message and data rates may still apply by your carrier or other provider. You may opt-out of receiving text (SMS) messages from Us at any time by [contacting our Support team](https://help.grabr.io/hc/requests/new). You acknowledge that opting out of receiving text (SMS) messages may impact Your use of and ability to fully access and use the GrabrFi Platform.
These text (SMS) messages may be automated or non-automated, and while Grabr does not charge You to send or receive such messages, message and data rates may still apply by your carrier or other provider. You may opt-out of receiving text (SMS) messages from Us at any time by [contacting our Support team](https://help.grabr.io/hc/requests/new). You acknowledge that opting out of receiving text (SMS) messages may impact Your use of and ability to fully access and use the GrabrFi Platform.
Prohibition on Scripts, Bots, Third Parties, etc.
**You shall not:**
- Use any automated system including but not limited to robots, spiders, offline readers, crawlers, or scrapers to access, copy, maintain or compile the Grabr Platform or content thereon for any purpose without Grabr’s prior written approval;
- In any manual or automated way copy, appropriate, use or disclose any copyrighted text, or other intellectual property, rights of publicity, privacy or contract rights or otherwise misuse or misappropriate Grabr Platform information or content including but not limited to, use on a mirrored, competitive, or third-party site;
- Transmit more request messages through the Grabr Platform in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser;
- Take any action that (a) may unreasonably encumber the Grabr Platform’s infrastructure; (b) interferes or attempts to interfere with the proper working of the Platform or any third-party participation; (c) bypasses measures that are used to prevent or restrict access to the Grabr Platform; (d) circumvents, disables, or otherwise interferes with security features of the Grabr Platform; (e) distributes viruses or any other technologies that may harm Grabr or users; (f) uses the Grabr Platform in a way that violates any copyrights, trade secrets, or other rights of any third party, including privacy or publicity rights; or (g) circumvents or manipulates and fees, fee structure, or billing claimed or owed as a result of the use of services.
**Indemnification**. Except where prohibited by law, You agree to release, defend, indemnify, and hold Grabr and its affiliates and subsidiaries, and their respective officers, directors, investors, employees and agents, harmless from and against any claims, liabilities, damages, losses, injuries, and expenses, including without limitation reasonable legal and professional fees, arising out of or in any way connected with (a) Your access to or use of the GrabrFi or Your violation of these Terms; (b) Your User Content; or (c) Your interaction with any other Third Party.
**Limited and Restricted Jurisdictions.** GrabrFi limits and restricts services offered based on Your jurisdiction. Information published on this App may contain references or cross-references to services that are not available in your state or country.
**Disclaimer of Warranties and Limitation of Liability.**
EXCEPT WHERE PROHIBITED BY LAW, THIS APP AND ITS CONTENTS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. These warranties are hereby excluded to the fullest extent permissible by law. UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS APP OR THE SERVICES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law, or $100.00, whichever is less. BY ACCESSING THE APP, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”
**Exclusions**
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS CONTAINED IN THE WARRANTIES OR LIMITATIONS OF LIABILITY PARAGRAPHS IMMEDIATELY ABOVE MAY NOT APPLY TO YOU.
**Arbitration and Class Action Waiver**
Please Read this Section Carefully. It Affects Your Legal Rights, Including Your Right to File a Lawsuit In Court.
The term “Dispute” means any dispute, claim or controversy between us that arises out of this agreement, or the use of GrabrFi or the Services, or the relationship between us, regardless of legal theory, and includes claims that accrued before the date You entered into this Agreement as well as claims relating to the interpretation, validity, enforcement or scope of the Agreement to arbitrate disputes contained in this Section. The term “Dispute” is to be interpreted in the broadest sense allowed by law. The only disputes excluded from this broad provision are claims that can be resolved in Small Claims Court and certain intellectual property claims, as provided below.
By agreeing to these Terms, You agree to resolve any and all disputes with Grabr as follows:
**Initial Dispute Resolution:** Most disputes can be resolved without resort to arbitration or litigation. GrabrFi offers phone and email support to assist with questions, services, and disputes. Except for intellectual property and small claims court claims, the parties agree to use their best efforts to resolve all disputes in good faith negotiations between them, which both agree is a precondition to either initiating an arbitration or lawsuit.
**Binding Arbitration:** If we cannot resolve the dispute with You within thirty (30) days of when You start informal dispute resolution, then the dispute must be resolved by binding arbitration which may be begun by either You or Grabr. All claims or disputes arising out of or relating to these Terms (including the Terms' or Privacy Policy’s formation, performance, and breach), Your relationship with Grabr, and/or Your use of the Grabr Platform shall be finally settled by binding arbitration administered by JAMS in accordance with the JAMS [Streamlined Arbitration Procedure Rules](https://www.jamsadr.com/rules-streamlined-arbitration/), excluding any rules or procedures governing or permitting class or representative actions. (If Your claim exceeds $250,000, You and Grabr agree that the JAMS' [Comprehensive Arbitration Rules and Procedures](https://www.jamsadr.com/rules-comprehensive-arbitration/) will apply, excluding rules or procedures governing or permitted class or representative actions). The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all such disputes and has the power to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be written and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction.
**Starting Arbitration.** To start an arbitration, You must do the following: (a) write a Demand for Arbitration that includes a description of the claim and the amount of damages You seek to recover (You may find a copy of a Demand for Arbitration at [www.jamsadr.com](http://www.jamsadr.com)); (b) send three copies of the Demand for Arbitration, plus the appropriate filing fee, to JAMS, Two Embarcadero Center, Suite 1500, San Francisco, California 94111; and (c) send one copy of the Demand for Arbitration to Grabr at 1355 Market Street, Suite 600, San Francisco, California 94103, ATTN: Legal.
You and Grabr each understand that, absent the mandatory arbitration provision in this Section, they would have the right to sue in court and have a jury trial. You also acknowledge that You are giving up the right to a jury trial and understand that the costs of arbitration and right to pre-trial discovery is more limited than many courts permit.
**Location of Arbitration.** We both agree that arbitration between Grabr and You shall take place telephonically unless you request an in-person hearing in accordance with applicable rules. If you request a hearing, it will be held in the federal judicial district in which you reside.
**Class Action Waiver:** You and Grabr each agree that any and all arbitration shall be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis or any other representative basis. YOU AND GRABR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
If any court or arbitrator determines that the class action waiver above is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above shall be deemed null and void in their entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
**Exception:** Litigation of Intellectual Property and Small Claims Court Claims: Notwithstanding Your and Grabr’s decision to resolve all disputes through mandatory arbitration, either party may bring enforcement actions, validity determinations or claims arising from or relating to theft, piracy or unauthorized use of intellectual property in state or federal court or in the United States Patent and Trademark Office to protect its intellectual property rights (“intellectual property rights” means patents, copyrights, moral rights, trademarks, and trade secrets, but not privacy or publicity rights). Either party may also seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction.
**Survival.**This Arbitration and Class Action Waiver section will not be affected by any termination of Your Account or the Grabr Platform and will survive termination of the relationship between You and Grabr.
**Third Party Sites.** The Grabr Platform may contain links or connections to third party websites or services that we do not control. You accept the risk of accessing such sites and agree that we are not responsible for any associated risks. We are not responsible for and assume no risk associated with any third party sites or content.
**General Terms**
**Entire Agreement.**These Terms constitute the entire agreement between You and Grabr and governs your use of the Grabr Platform, superseding any prior version of these Terms between you and Grabr with respect to the Grabr Platform.
**Additional Terms.** You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Grabr rendered services.
**Choice of Law and Forum.** You and Grabr each agree that the Terms and the relationship between You and Grabr or between You and any Member or third party shall be exclusively governed by the substantive laws of the State of California without regard to its conflict of law provisions and that any and all claims, causes of action or disputes (regardless of theory) arising out of or relating to the Terms, or the relationship between You and Grabr, to the extent not required to be filed in arbitration as provided in these Terms, shall be brought exclusively in the courts located in San Francisco County California or the United States District Court for the Northern District of California. You and Grabr agree to submit to the personal jurisdiction of the courts located within San Francisco County or the Northern District of California, San Francisco Division, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts, to venue in such courts and waive all claims of inconvenient forum.
**Waiver and Severability of Terms.** The failure of Grabr to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision.
**Severability.** If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.
**No Right of Survivorship and Non-Transferability.** You agree that Your Grabr Account is non-transferable and any rights to Your Grabr Account or contents within Your account terminate upon Your death. Upon receipt of a copy of a death certificate, Your account may be terminated and all contents therein permanently deleted.
**Statute of Limitations.** Unless prohibited by law, you agree that any claim or cause of action arising out of or related to use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.
**Section Titles.** The section titles in the Terms are for convenience only and have no legal or contractual effect.
Grabr Assignment. Grabr may freely assign the Terms and all of the policies and other documents incorporated or referenced in it (including all rights, licenses, and obligations under it or them), in whole or in part and without notice.
**Site management.** We reserve the right to monitor the app for violation of terms and take legal action against anyone who violates the law.
We reserve the rights to change the site/app at any time and disclaimer of liability if site is unavailable for any reason.
**Contact Grabr.** If You have any questions, comments, or concerns regarding these terms or the GrabrFi, you may contact us at [support@grabrfi.com](mailto:support@grabrfi.com)
For legal matters, you can contact us at [legal@grabrfi.com](mailto:legal@grabrfi.com).
---
---
Source: https://help.grabrfi.com/en/content/grabrfi-privacy-policy-dXRuC
# GrabrFi Privacy Policy
_Category: Legal_
Last updated: May 12, 2026
### Introduction
Welcome to GrabrFi. Grabr, Inc. (collectively, “Grabr,” “we, “our” or “us”) provides a platform to access banking services offered by its partners. GrabrFi allows users to open a transaction account and access other financial services.
We are committed to respecting the privacy and maintaining the security of your personal information. This privacy policy applies to all websites and mobile applications linking to or posting this privacy policy and that are operated by us (collectively, the “Sites,” and each a “Site”)
In this privacy policy, we describe Grabr’s practices for collecting, storing, using, and disclosing personal (and other) information that we may obtain about you through any of the Sites. By accessing or using our Sites, or otherwise manifesting your assent to this privacy policy, you signify that you have read, understood, and agree to this policy and consent to the collection, storage, use and disclosure practices described in this privacy policy.
### Information We Collect Through the Sites
#### Personal Information You Provide
**Your privacy is important to us,**and we take care to only collect the information we need, and only if we need it. The types of personal information we collect from you will depend on how you are interacting with us using our website and services. For example, we may collect different information from you when you sign up for newsletters and updates, or if you apply for and use our services. Depending on how you interact with our websites, we may collect the following personal information from you:
- To respond to your questions, requests, or communications, including any feedback or requests relating to our website and services, we may collect your name, email address, and any other information you choose to provide to us;
- When you create an account, we will collect your name, email address, and phone number from you;
- To provide you with services, we may collect your name, email address, mailing address, phone number, driver's license or government ID number, address, Social Security number, bank account number and routing number from you.
- For recordkeeping and audit purposes, we will collect the details of your transactions, including the information you provide about any recipients, including your transaction history and information and bank account information.
Special Categories of Data. Generally, we do not collect or process categories of Personal Data that require a heightened level of protection under data protection legislation in some jurisdictions because it reveals or concerns sensitive information, such as health matters, race, or ethnic origin (“Special Categories of Data”). However, there could be a situation (such as for employment purposes) where we may process such data. In this case, we will be sure to comply with applicable data protection legislation, including relying on the necessary legal grounds to process the data (e.g., processing health data for an insurance contract). We shall use reasonable security practices and procedures to safeguard your Special Categories of Data.
#### Information Collected From Your Devices
In order to use our services, we will collect the following information automatically from your devices:
- When you use the website, we automatically track and collect general log information when you visit our website, including your: (a) Internet Protocol (IP) address; (b) domain server; (c) operating system; (d) type of web browser; and (e) the pages you visit on our website (collectively "Traffic Data"). We use the Traffic Data to report aggregated website activity and to better understand the needs of our users so we can make informed decisions regarding the content and design of our website. We may collect Traffic Data through various technologies including, but not limited to, cookies, IP addresses, and pixel tags. While it is not our practice to link IP addresses to your Personal Information, we reserve the right to use IP addresses to identify a user when we feel it is necessary to protect the compelling interest of our website, customers or others, or to comply with laws, court orders, or law enforcement requests.
- For data analytics, including to audit, research, and conduct analysis in order to maintain and improve our services and to protect people who use our services, we may use cookies and similar technologies to collect log information (including IP address, browser type, domain names, access times, referring website addresses, app usage, events that occur within the app, performance data, and download sources) and device information (including computer or mobile device used to access the website, hardware model, operating system, and device identifiers).
We do not knowingly collect any personal information from individuals under 18 years of age, and therefore do not use or disclose it to third parties.
#### Personal Information Provided by Others
To provide the services, we will collect the following information from third parties:
- To help protect against theft and fraud, we will collect the results of OFAC and AML searches from our vendors who perform the searches for us; and
- We may collect cookies and browsing data from our service providers, depending on how you interact with our website. This includes online activity information and browsing and usage information. We may also track the Internet domains from which people contact us, and from time-to-time we may gather information concerning the “referring“ domain that a person visited prior to our site, and the “destination“ domain a person visits after leaving our site. Information automatically collected is used to identify and analyze the trends and statistics of visits to our website and to make our website more responsive to the needs and interests of our customers. We may also use the information to support Site features by not asking you to re-enter information we already possess. We also use this information to personalize your experience when you use the Site and to improve marketing efforts, including through use of targeted advertising. As the Internet evolves, we may use different types of technologies for this purpose. Unless prohibited by law, creating a user identity during a visit to the Site constitutes your consent to processing your Personal Data, and we may link the information your browser provides to information that identifies you personally, as described in this Privacy Statement.
### How We Use Information Collected Through Our Sites
We may use information about you collected through our Sites for a variety of commercial purposes. Without limitation, we may use such information to:
- To enforce our agreements, including agreements with you when you use our website and services;
- To operate, evaluate, and improve our business, including improving and personalizing the experience for you and others, completing and maintaining records of transactions with individual customers following use of services, promoting our products and services, promoting third-party products and services to you that we think you may find of interest;
- For safety and security, by making sure third parties protect your information, monitoring the technical functioning and security of our network;
- For legal and compliance, including complying with applicable laws, regulations, and legal obligations; and
- To protect the rights or property of the Company, its employees, and people who use its services.
### When Information We Collect Through Our Sites May Be Disclosed to Third Parties
We disclose to third parties the personal (or other) information collected about you through any of our Sites either (i) when we have your permission to do so or (ii) in any of the following situations (without your permission):
- We may share the information collected about you within the Grabr family of companies, which means we may disclose the information collected about you to our affiliates (subject to the terms of this privacy policy).
- We may disclose the information collected about you to our third-party contractors and partners in connection with the performance of their services or other activities in support of the Sites and/or our businesses, or their completion or confirmation on our behalf of a transaction or series of transactions that you conduct with us.
- As noted above, information about you collected by third-party ads, content or technologies integrated with any of our Sites may be disclosed to such third parties.
- We may disclose the results of aggregated data about you and other users of our Sites without restriction. Aggregated and de-identified information is not personal information because it cannot be attributed to any specific individual .
- We may disclose to one or more third parties the information collected about you as part of a merger, acquisition or other sale or transfer of any of the assets or business of Grabr and/or of any of our affiliates. Please note that the entity receiving such information in connection with one of these transactions may not comply with all of the terms of this privacy policy.
- We may disclose information about you to the government or to other third parties without your consent and without notice to you as required to comply with the law, applicable regulations, governmental and quasi-governmental requests, court orders, subpoenas, or other legal process, such as in connection with suspected illegal activity associated with any of the Sites or our business. We reserve the right to release information collected through any of the Sites to law enforcement or other government officials, as we, in our sole discretion, deem necessary or appropriate.
- We may also disclose information about you to third parties if needed to enforce any of the terms of use for one of our Sites or other agreements, or any investigation of potential violations thereof; to detect, prevent, or otherwise address fraud, security or technical issues; to protect against harm to any of the Sites; or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection).
### Security Measures for Information Collected Through Our Sites
To help protect the privacy of information collected through our Sites, we have implemented reasonable physical, technical, and organizational safeguards to help protect your personal information from unauthorized access, acquisition, or disclosure, alteration, or destruction. In addition, we take commercially reasonable steps to store such information with the objective of protecting such data against unauthorized access. Notwithstanding the foregoing, please be aware that our Sites are operated on software, hardware, and networks, any component of which may, from time to time, experience breaches of security or other problems beyond our control and that may compromise the security of information collected about you.
Please also be aware that despite our best intentions and the guidelines outlined in this privacy policy, no data transmission over the Internet or via a Wi-Fi network, or any encryption method, can be guaranteed to be completely secure. You understand that it may be possible for third parties not under Grabr’s control to intercept or access your personal information transmitted through one of our Sites or via email. Accordingly, although we undertake commercially reasonable steps to protect the security and integrity of all information you provide through our Sites, due to the inherent nature of the Internet, we cannot guarantee that any such information will be absolutely safe from intrusion by others who do not have your authorization. Any such transmission of information about you to Grabr is at your own risk.
### SMS Messaging Consent
**Opt-In Process:** Users opt in to receive SMS messages during the onboarding process by entering their phone number and checking a box next to the following statement: "I agree to receive SMS with One-Time Passwords (OTP) from Grabr Inc. at the provided phone number."
**Purpose:** The SMS messages include one-time passwords (OTPs) required to complete user verification for secure account access and multifactor authentication (MFA). OTPs are also used to confirm important actions like sending a transfer or changing a password.
### How to Correct or Update Information About You Collected Through Our Sites
You may correct or update information collected about you through any of our Sites by contacting us at the email or mailing address noted at the end of this privacy policy below, or (if available on a particular Site) by editing your information and preferences on the “Profile info” page. You may also unsubscribe to any email subscriptions by following the applicable “unsubscribe” link. We will use commercially reasonable efforts to update our files to reflect your request as promptly as possible.
We may retain original and updated information for reasons such as technical constraints, dispute resolution, compliance with laws, fraud prevention, troubleshooting and enforcement of our terms of use and other agreements. In addition, please note that we cannot update any information about you collected through any of the Sites that has already been disclosed (as permitted under this privacy policy) to a third party.
### How We Respond to Do Not Track Signals
At this time, our Sites do not support “Do Not Track” preferences that may be available in your browser for letting websites know that you do not want them collecting certain kinds of information. Specifically, if you turn on the Do Not Track setting on your browser, our Sites are not currently capable of following whatever Do Not Track preferences you set. For more information about Do Not Track, visit [donottrack.us](http://donottrack.us/).
### Choice
By providing personal and business information, accepting any cookies provided by Grabr, and/or purchasing a product from the Site, you consent to our collection and use of information in accordance with this privacy policy. If you do not agree to the provisions of this privacy policy, you can refuse to register, refuse to accept cookies, refuse to purchase, or refuse to volunteer optional information.
### Children
Our Sites are not designed to appeal to persons under 13 years old (“children”). We do not knowingly collect or maintain personal information from children through our Sites, except for persistent identifiers that may be collected through children’s sections of our Sites which (as permitted by applicable law) we will use solely to support the internal operations of the Sites. If we learn that any unauthorized personal information of a child has been collected, we will take appropriate steps to delete such information. If you are a parent or guardian and discover that your child has provided any such personal information to us, then you may contact us at the email or mailing address noted at the end of this privacy policy below and request that we delete that information from our systems.
### Minimum Age to Open an Account
You must be at least 18 years of age to open an account with GrabrFi.
### Privacy Policies of any Linked Websites or Other Parties
This privacy policy only addresses Grabr’s practices for the personal (and other) information that we may obtain about you through any of the Sites. Please be aware that when you use or access any of the Sites, you may be directed to other websites that are beyond our control, and Grabr is not responsible for the privacy practices of third parties or the content of linked websites. We would expect most, if not all, of these third parties will collect information about you when you use their offerings. However, Grabr is not responsible for the privacy practices of third parties, regardless whether they are linked or otherwise connected to our Sites. We encourage you to read the posted privacy policy and terms of use whenever interacting with any third-party website, app, or other offering.
### Governing Law
By choosing to visit any of our Sites, you agree that any dispute over privacy or the terms contained in this privacy policy will be governed by the law of the State of California, without reference to the choice of law or conflicts of law principles thereof, and will be subject to the dispute resolution clause contained in the terms of use applicable to the particular Site. You also agree to abide by any limitation on damages contained in the terms of use applicable to the Site or any other agreement that we have with you.
### Changes to this Privacy Policy
We reserve the right to make changes to this privacy policy at any time. When we make material changes to this policy (including changes to the types of information we collect, how we use it, or who we share it with), we will notify you by sending an email to the address associated with your account before the changes take effect. Non-material changes will be reflected by updating the "Last Updated" date at the top of this policy. Your continued use of our Sites after any modification to this privacy policy will constitute your acceptance of such modification. We encourage you to review this policy periodically to stay informed of any updates. In addition, as required by applicable law, we will send you an annual privacy notice summarizing our privacy policies and practices.
### Contact Us
If you have any questions or comments regarding this privacy policy or any of our Sites, you can contact us by:
- Emailing us at [support@grabrfi.com](mailto:support@grabrfi.com)
- Writing to us at 201 Spear Street, Suite 1100, San Francisco, CA 94105, Attn: Privacy Policy.
If you are a resident of California, Brazil, or Argentina, you may submit a request for information or a request to delete by emailing [support@grabrfi.com](mailto:support@grabrfi.com).
For legal matters, you can contact us at [legal@grabrfi.com](mailto:legal@grabrfi.com).
### California Residents
The California Consumer Privacy Act (CCPA), California’s “Shine the Light” law, and the California Online Privacy Protection Act provide consumers who are California residents with specific rights regarding their Personal Information. If you are a California resident, this section provides you with additional information, describes your rights and explains how to exercise those rights.
#### Categories of Information Collected
In the 12 months preceding the Last Updated date of this policy, we have collected or received the following categories of Personal Information about California residents.
| **Category** | **Types of Information Collected** | **Purpose for Collection** |
| --- | --- | --- |
| **A. Identifiers.** | Name, mailing address, Internet Protocol (IP) address, email address, social security number, driver’s license number. | - Providing financial services |
| - Marketing our services, new services, service pricing and discounts | | |
| - Evaluating applications for employment opportunities | | |
| **B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).** | Name, social security number, address, telephone number, education, employment, employment history, bank account number, credit card number, debit card number, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories. | - Evaluating applications for employment opportunities |
| **C. Characteristics of protected classifications under California or federal law** | Age and gender | - Verifying age requirements |
| - Marketing our services, new services, service pricing and discounts | | |
| - Evaluating applications for employment opportunities | | |
| **D. Commercial information.** | Records of products or services purchased. | - Providing financial services |
| - Business Records | | |
| **E. Internet or other similar network activity.** | Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. | - Marketing our services, new services, service pricing and discounts |
| **F. Geolocation data.** | Physical location or movements. | - Marketing our services, new services, service pricing and discounts |
| **G. Professional or employment-related information.** | Current or past job history or performance evaluations. | - Evaluating applications for employment opportunities |
| **H. Education information that is not publicly available** | Education records related to a student maintained by an educational institution such as grades, transcripts, report cards, or disciplinary records. | - Evaluating applications for employment opportunities |
| **I. Inferences drawn from other personal information.** | Profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | - Marketing our services, new services, service pricing and discounts |
In the 12 months preceding the Last Updated date of this policy, we have disclosed the following categories of Personal Information for a business purpose as described above:
Category A: Identifiers.
Category B: Categories of personal information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e).
Category C: Characteristics of protected classifications.
Category D: Commercial information.
Category E: Internet or other similar network activity
Category F: Geolocation data
Category G: Professional or employment-related information.
Category H: Education information.
Category I: Inferences drawn from other personal information.
#### Right to Information
Subject to certain limits, you may ask us to provide the following information for the 12-month period preceding your request:
1. The categories of Personal Information we collected about you;
2. The categories of sources from which the Personal Information was collected;
3. The business or commercial purpose for collecting the Personal Information;
4. The categories of third parties with whom we shared the Personal Information;
5. If we disclosed Personal Information for a business purpose, a list of the disclosures including the Personal Information categories that each category of recipient received; and
6. The specific pieces of Personal Information we collected about you.
We do not provide these information rights for Personal Information that we obtain through a business-to-business (B2B) relationship.
#### Right to Delete
You also have the right to ask us to delete any Personal Information that we have collected about you, subject to certain limitations as set forth under CCPA. We may deny your deletion request if the information is necessary for us or our service providers to, among other things, provide a good or service you requested, take actions reasonably anticipated in the context of our business relationship with you, perform a contract we have with you, detect and protect against security incidents or illegal activity, comply with a legal obligation, or exercise a right provided for by law.
#### Right to Nondiscrimination
We will not discriminate against you if you exercise your privacy rights under California law, including by:
- Denying you goods or services.
- Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Providing you a different level or quality of goods or services.
- Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, the CCPA permits us to offer you certain financial incentives that can result in different prices, rates, or quality levels, which are related to your Personal Information’s value. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
#### Submission of Requests for Information or to Delete
You may submit a request for information or a request to delete by emailing [support@grabrfi.com](mailto:support@grabrfi.com).
What We May Need from You. We may need to request specific information from you to help us confirm your identity and ensure your right to access your Personal Information (or to exercise any of your other rights). This is a security measure to ensure that Personal Information is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Verifying Your Identity: To protect your privacy and security, we will take reasonable steps to verify your identity before providing your Personal Information and before deleting your information. Only you or someone legally authorized to act on your behalf may make a verifiable request related to your Personal Information. For example, if you make a request, we will ask you to confirm your name, email address, and/or other information we in our records to verify your identity, so that we can help protect your information.
Requests from Authorized Agents: If you live in California, you may designate an authorized agent to make a request for you. If you designate an authorized agent to make a request on your behalf, we may require you to verify your identity and provide the authorized agent’s identity and contact information to us. .
#### Response to Requests
We do not charge a fee to respond to your request unless it is repetitive (more than twice in a 12-month period) or excessive. We will confirm receipt of your request within 10 business days of receipt and generally will respond to your request within 45 days of receipt. If we need more time to respond, we will inform you of the reason and we may take up to an additional 45 days to respond.
#### No Fee Usually Required.
You will not have to pay a fee to access your Personal Information (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
### Brazil Residents
The Lei Geral de Proteção de Dados (LGPD) provide consumers who are residents of Brazil with specific rights regarding their Personal Information. If you are a resident of Brazil, this section provides you with additional information, describes your rights, and explains how to exercise those rights.
#### Your Rights
You have important rights that you may exercise to protect your personal data. You may access those rights at any time by contacting us at [support@grabrfi.com](mailto:support@grabrfi.com).
You have the following rights concerning your personal data that we hold and process that you can exercise at any time:
- Right of access – you have the right to request a copy of the information that we hold about you.
- Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
- Right to be forgotten – in certain circumstances you can ask for the data we hold about you to be erased from our records.
- Right to restriction of processing – where certain conditions apply to have a right to restrict the processing.
- Right of portability – you have the right to have the data we hold about you transferred to another organization.
- Right to object – you have the right to object to certain types of processing such as direct marketing.
- Right to judicial review: if Grabr refuses your request under rights of access, we will provide you with a reason as to why. You have the right to complain as outlined in the process below.
**Please note: we will not be able to delete information that is required to maintain our business purpose or that is required to facilitate your contract with us. All the above requests will be forwarded on to other parties holding and processing your data where appropriate.**
#### Bases for Processing your Personal Information
We will only use your personal information when the law allows us to. This means we must have one or more legal bases to use your personal information. Most of these will be self-explanatory. The most common legal bases which will apply to our use of your personal information are set out below:
- Where we need to perform the contract we have entered into with you which covers your relationship with us or to take steps to enter into that contract.
- Where we need to comply with a legal obligation which applies to us, for example complying with health and safety laws for visitors.
- When it is necessary for legitimate interests pursued by us or a third party and your interests and fundamental rights do not override those interests. Please see the “How We Use Information Collected Through Our Sites” section on how we use your personal information together with more details on our legitimate interests.
- You have given your consent. Generally we do not rely on or need your consent for almost all uses we make of your personal information.
Where we are processing any sensitive personal information about you (which covers personal information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data, data concerning health or data concerning a natural person’s sex life or sexual orientation) then we also need to have one or more of the following legal bases for using your personal information.
- Where we have your explicit consent to do so.
- When it is necessary for us to comply with a legal or regulatory obligation.
- When it is necessary by the public administration for the execution of public policies provided in laws or regulations;
- Where we need to protect your vital interests (or someone else's vital interests).
- Where you have already made public the personal information.
- When it is necessary to ensure the prevention of fraud and safety of you.
- In establishing, exercising or defending legal claims, whether those claims are against us or by us.
- When it is necessary in the public interest.
#### International Transfer of Personal Data
Grabr may transfer your personal information within Grabr and/or to other third parties, such as our third-party service providers. Your personal information may be transferred to, stored, and processed in a country other than the sone in which it was collected. This may include the United States. When we do so, we transfer the information in compliance with applicable data protection laws.
### Argentina Residents
Grabr processes your personal information pursuant to Argentina’s Law No. 25,326 (the Data Protection Law). You have the right to view the personal information we have and request to delete it. For more information on what personal information we collect and how we use it, please see the sections titled “Information We Collect Through the Sites” and “How We Use Information Collected Through Our Sites.”
#### International Transfer of Personal Data
Grabr may transfer your personal information within Grabr and/or to other third parties, such as our third-party service providers. Your personal information may be transferred to, stored, and processed in a country other than the one in which it was collected. This may include the United States. When we do so, we transfer the information in compliance with applicable data protection laws.
---
Source: https://help.grabrfi.com/en/content/how-can-i-close-my-account
# How can I close my account?
_Category: Account settings and personal information_
Sorry to hear this, we'd love to keep you as a customer so please reach out to our support team in-app or [through email](support@grabrfi.com) if there's anything we can do to make your experience better.
### Steps to close your account
#### 1. Make sure your balance is $0
You can transfer out any remaining money in your global account by:
- Sending an ACH or wire transfer to a US bank account or platform
- Withdrawing to local currency in-app available in Argentina, Bolivia, Brazil, Colombia, Mexico, Nigeria, Peru, and Uruguay) or with a third-party service.
- Sending a stablecoin transfer to an external wallet address
#### 2. Send a close account request to support
Open [GrabrFi](https://app.grabrfi.com) and go to More > Settings > **Request to close account**.
Your phone or browser will open a prewritten email. Simply click send and we'll review your request.
#### 3. Closing your account
After reviewing your request, if your account balance is $0 and there are no pending actions, we'll arrange to close your account with our banking partner.
**Note**: you may still have access to your global account while your account is closed. Under US law (C.F.R. § 103.121(b)(3)(ii) – Retention of records), we're required to keep customer information for 5 years after the account is closed.
---
Source: https://help.grabrfi.com/en/content/full-schedule-of-fees
# Full schedule of fees
_Category: Pricing and limits_
**
**Important**
The fees on this page apply to global account holders. If you have not upgraded yet and still hold a US dollar account, please refer to your account agreement for the fees that apply to your account.
These fees are effective as of September 3, 2026
### **Account fees**
| **Description** | **Fee** |
| --- | --- |
| Account opening | $0 |
| Monthly maintenance | $0 |
| Account closing (balance $0 or over $20.00) | Free |
| Account closing (balance between $0.01 and $20.00) | Remaining balance applied as closing fee within 30 business days |
| Physical check fee | $20.00 |
*The physical check fee applies only if we need to mail you a check to return your balance and you are unable to withdraw it another way.*
### **ACH transfers**
*ACH is a US bank network that processes transfers in batches, which keeps costs low. It is a good option for most everyday transfers.*
| **Description** | **Fee** |
| --- | --- |
| Same-day incoming ACH | $0 |
| Standard incoming ACH | $0 |
| Add money via linked third-party ACH | $0 |
| Same-day outgoing ACH | 0.5% (min $1, max $10) |
| Return fee for misdirected ACH | $1 |
### **Wire transfers**
*A wire is an individual bank transfer, faster than ACH but more expensive because each one is processed on its own.*
| **Description** | **Fee** |
| --- | --- |
| US domestic incoming wire | $15 |
| US domestic outgoing wire | 0.5% (min $15, no max) |
*International wire (SWIFT) is being enabled; fees will be added when it launches.*
### **Stablecoin fees**
*You can send and receive stablecoins directly on supported blockchains. Fees depend on the stablecoin and are charged in your account currency.*
#### ***Receiving stablecoins***
| **Description** | **Fee** |
| --- | --- |
| Incoming USDC | Free |
| Incoming USDT | Free |
*Incoming stablecoins are automatically converted to your account currency (USDB or USDC).*
#### ***Sending stablecoins***
| **Description** | **Fee** |
| --- | --- |
| Outgoing USDC or PYUSD | 0.5% + $1 |
| Outgoing USDT | 0.5% + $1 |
*Your account balance is automatically converted to the destination stablecoin before sending.*
### **Global card usage fees**
*The global card is a prepaid Visa you can use anywhere Visa is accepted.*
| **Description** | **Fee** |
| --- | --- |
| Foreign transaction fee (purchases in the United States) | Free |
| Foreign transaction fee (purchases outside the United States) | 1.5% |
*The foreign transaction fee is based on where the merchant is located: no fee for purchases in the United States, and 1.5% for purchases outside the United States. The global card cannot be used at ATMs.*
### **QR payments**
*Pay at local merchants by scanning a QR code, funded from your global account.*
| **Country** | **Fee** |
| --- | --- |
| Argentina | $0 |
| Brazil | $0 |
| Peru | $0.50 |
| Bolivia (coming soon) | $0.10 |
| Colombia (coming soon) | $0.10 |
### **Withdrawals to local currency**
*Withdraw funds to your local currency in supported countries.*
| **Country** | **Fee** |
| --- | --- |
| Argentina | $5 |
| Bolivia | $2 |
| Colombia | $2 |
| Mexico | $2 |
| Peru | $2 |
| Nigeria | $1 |
| Brazil | $0 |
| Uruguay | $2.99 |
### **Boost**
*Opt into Boost to earn a rate on your balance. There are no lock-ups and no minimums.*
| **Description** | **Fee** |
| --- | --- |
| Move funds into Boost | Free |
| Move funds out of Boost | Free |
*All fees are in US dollars unless otherwise noted. Your account balance is held as digital dollars (USDB or USDC), pegged 1:1 to the US dollar. GrabrFi reserves the right to update this fee schedule at any time. The most current version is always available at*[*help.grabrfi.com*](http://help.grabrfi.com)*.*
---
Source: https://help.grabrfi.com/en/content/how-do-i-set-my-card-up-with-apple-and-google-pay
# How do I set my card up with Apple Pay?
_Category: Global Card_
You can add your global card to Apple Pay for fast, convenient payments on your iPhone and Apple Watch. Here are two ways to add your card.
**
Note: Apple Pay is not available in Bolivia or Nigeria.
**Method 1: Add from the GrabrFi app**
1. Open the GrabrFi app on your iPhone.
2. Go to the Home section.
3. Select your global card from your card list.
4. Tap "Add to Apple Wallet".
5. Follow the on-screen instructions to finish.
**Method 2: Add manually in Apple Wallet**
1. In the Apple Wallet app, tap the Add button (+).
2. Tap Debit or Credit Card.
3. Tap Continue.
4. Follow the steps on the screen to add your card.
5. Verify your information with the card issuer if prompted. You may be asked for more information before your card is approved.
Apple Wallet on Iphone
#### **Adding to your Apple Watch**
1. On your paired iPhone, open the Apple Watch app.
2. In the My Watch tab, tap Wallet & Apple Pay.
3. Tap Add Card, then follow the steps on the screen.
4. Verify your information with the card issuer if prompted.
Paying with Apple Pay costs the same as paying with your global card directly. There is no fee for purchases in the United States. For purchases outside the United States, a 1.5% foreign transaction fee applies, regardless of the currency charged.
Go [here](https://support.apple.com/en-gb/HT204506) to get more information about this.
---
Source: https://help.grabrfi.com/en/content/what-are-the-benefits-of-grabrfi
# What are the benefits of GrabrFi?
_Category: General_
GrabrFi combines dollar payments, digital dollars, and a global card in one account built for citizens of the world. Hold digital dollars, get paid from around the world, spend with your card, and cash out to your local currency when you choose. Get started with just your local ID.
**One global account**
One account for your money. Get paid from around the world, hold your balance, spend with your card, and opt into Boost to earn a rate on what you hold. Built for people who earn, move, and spend globally, without being a US resident.
**Get paid like a local, wherever your clients are**
Receive money with US account and routing numbers in your name from clients, platforms, and companies around the world. Incoming ACH from US companies like Deel, Remote, Toptal, Upwork, and Fiverr is free. Money from US companies arrives fast, often within the same business day. No hidden fees, no middlemen.
**Go borderless with digital dollars**
Get paid in digital dollars and send them to people, platforms, and your own accounts worldwide. Stable value and global reach, built into your global account with no switching between apps. Send and receive around the clock.
**Save in dollars**
Hold your savings in digital dollars, a way to keep your money stable when your local currency isn’t. Opt into Boost to earn a 2.57% annual rate on your balance, with no maintenance fees, no minimums, and no lock-ups.
**Pay by QR, like a local**
In Argentina, Brazil, and Peru, scan and pay directly from the GrabrFi app, converted at a competitive exchange rate. No cash, no card reader. You pay the converted amount and nothing more.
**Spend anywhere with your global card**
Open a virtual global card instantly and pay anywhere Visa is accepted. Free to open, with no maintenance fees.
**Send globally, withdraw your way**
Send to people, platforms, and your own accounts, and receive from around the world. Wire to US or international accounts, ACH to US accounts, or digital dollars for direct settlement around the clock. Withdraw to your local currency at competitive rates, cashing out in pesos, reais, or your own currency.
**Built for you**
- **Freelancers:**get paid in dollars directly into your account, keeping more of every payment with no middleman fees.
- **Remote workers:**receive your full salary from Deel, Remote, or Payoneer.
- **Savers:**hold your money in digital dollars to keep it stable when your local currency isn’t.
- **Everyday spenders:**global money, local life. Pay with your card, by QR, and cash out to your local account when you want.
**Why people choose GrabrFi**
- **250,000+ people worldwide use GrabrFi.**
- **Operated by Grabr Inc., a US company in business since 2014.**
- **Backed by leading Silicon Valley investors.**
- **Thousands of 5-star reviews on Trustpilot.**
- **Real human support in English, Spanish, and Portuguese.**
**Good to know**
A global account is not a bank account. Your balance is held as digital dollars rather than a bank deposit, which means it is not FDIC insured. To understand how your money is held and protected, see: [Is my money still insured](https://help.grabrfi.com/en/content/is-my-stablecoin-balance-fdic-insured)?
---
Source: https://help.grabrfi.com/en/content/in-which-countries-can-i-open-a-grabrfi-account
# Which countries are eligible to open a GrabrFi account?
_Category: General_
We currently offer accounts to residents of the following 26 countries:
🇦🇷 Argentina
🇧🇴 Bolivia
🇧🇷 Brazil
🇨🇦 Canada
🇨🇱 Chile
🇨🇴 Colombia
🇩🇪 Germany
🇩🇴 Dominican Republic
🇪🇨 Ecuador
🇪🇸 Spain
🇫🇷 France
🇬🇧 United Kingdom
🇬🇭 Ghana
🇬🇹 Guatemala
🇮🇳 India
🇮🇹 Italy
🇲🇽 Mexico
🇳🇬 Nigeria
🇵🇦 Panama
🇵🇪 Peru
🇵🇹 Portugal
🇵🇾 Paraguay
🇸🇻 El Salvador
🇺🇲 United States
🇺🇾 Uruguay
🇻🇳 Vietnam
We are working on introducing more countries soon. Fill the form [here](https://www.grabrfi.com/en) to get the news about your country’s availability first!
---
Source: https://help.grabrfi.com/en/content/requirements-to-open-a-grabrfi-account
# Requirements to open a GrabrFi account
_Category: Account settings and personal information_
You don’t need to travel to open your account! All you have to do is download the app and register. These are the requirements to open a GrabrFi account:
- Email address
- A phone number where you can be reached and receive SMS
- Valid mailing address
- Must be over 18 years old
Documents needed according to your country of residence/citizenship **(Please consider that temporary ID cards are not accepted, only permanent):**
| **Country** | **Types of ID accepted** | **Tax ID** |
| --- | --- | --- |
| 🇦🇷 Argentina | Documento Nacional de Identidad (DNI)
Driver’s license
Passport | CUIT
CUIL |
| 🇧🇴 Bolivia | Cedula de Identidad (National ID) / Cedula de identidad de Extranjero (Resident Permit)
Driver’s license
Passport | Número de Identificación Tributaria (NIT) |
| 🇧🇷 Brazil | Cédula de identidade (RG)
Carteira de motorista (CNH)
Passport
Residency Permit | Cadastro de Pessoas Físicas (CPF) |
| 🇨🇦 Canada | National ID
Driver’s license
Passport
Citizen Certificate
Resident Card
Tribal ID | Social Insurance Number (SIN) |
| 🇨🇱 Chile | Cédula de identidad
Passport | Rol Único Nacional (RUN) |
| 🇨🇴 Colombia | Cedula de Ciudadania Cedula de Extranjeria/Consular ID
Driver’s license
Passport
Residency Permit | Número de Identificación Tributaria (NIT) |
| 🇩🇪 Germany | National ID (Personalausweis)
Passport
Residency Permit | Steueridentifikationsnummer (IdNr) |
| 🇩🇴 Dominican Republic | Cédula de identidad y electoral (ID card)
Driver’s license
Passport | Registro Nacional de Contribuyentes (RNC) |
| 🇪🇨 Ecuador | Cédula de identidad (National Identity Card)
Driver’s license
Pasaporte
Consular ID
Cédula de extranjería | Registro Único de Contribuyentes (RUC) |
| 🇪🇸 Spain | National ID (DNI / TIE)
Passport
Residency Permit | Número de Identificación Fiscal (NIF)
Número de Identidad de Extranjero (NIE) |
| 🇫🇷 France | National ID (CNI)
Passport
Residency Permit. | Simplification des Procedures d’Imposition (SPI)
National Identification Number (INSEE) |
| 🇬🇧 United Kingdom | Electoral ID
Citizen Card
Resident permit
Driver’s license
Passport | Unique Taxpayer Reference (UTR) |
| 🇬🇭 Ghana | National Identity Card
Driver’s license, Passport
Voter's ID | Ghana Card Number |
| 🇬🇹 Guatemala | Identity card
Driver’s license
Passport
Consular ID/Cédula de extranjería. | Número de Identificación Tributaria (NIT) |
| 🇮🇳 India | Individual PAN
National ID
Driver’s license
Passport
Voter's ID. | Permanent Account Number (PAN) |
| 🇮🇹 Italy | National ID (CIE)
Passport and Residency Permit | Codice Fiscale |
| 🇲🇽 Mexico | Tarjeta de identificación
ID consular / ID matricular consular
Passport
Driver’s license
Residency Permit
Voter’s ID | Registro Federal de Contribuyentes (RFC) |
| 🇳🇬 Nigeria | Printed digital NIN slip in color
Passport
Voter's card
Driver's license | Tax identification number (TIN) |
| 🇵🇦 Panamá | National ID
Driver’s license
Passport
Permanent Resident Card | Registro Único de Contribuyente (RUC), Número Tributario (NT) |
| 🇵🇪 Perú | Documento Nacional de Identidad (DNI)
Carné de Extranjería
Passport
Driver's license | Registro único de contribuyentes (RUC) |
| 🇵🇹 Portugal | National ID (CC)
Driver’s license
Passport
Residency Permit | Número de Identificação Fiscal (NIF |
| 🇵🇾 Paraguay | Cédula de identidad (National ID)
Driver’s license
Passport | Registro Único del Contribuyente (RUC) |
| 🇸🇻 El Salvador | National Identity Card (National ID card)
Driver’s license
Passport | Número de Identificación Tributaria (NIT) |
| 🇺🇲 United States | State-issued ID (Real ID version only)
Permanent Resident Card
Passport | Social security number (SSN) |
| 🇺🇾 Uruguay | Cedula De Identidad (National ID)
Driver’s license
Passport | Registro único tributario (RUT), Cédula de identidad (ID card), Número de Identidad de Extranjero (NIE) |
| 🇻🇳 Vietnam | Driver’s license (giấy phép lái xe)
Passport (Hộ chiếu) | Tax code (Mã số thuế) |
**Note:** In some cases, additional review may be required to complete your account opening. We will contact you by email if further information is needed. If not, your application will continue to be reviewed, and you will be notified once the process is finished.
---
Source: https://help.grabrfi.com/en/content/what-is-the-process-for-opening-an-account-with-grabrfi
# What is the process for opening an account with GrabrFi?
_Category: Account settings and personal information_
Opening your global account with GrabrFi is easy, and it only takes a few minutes. Here is how to get started.
- **If you're an iOS user, download the app here:**[https://apps.apple.com/app/id1576687725](https://apps.apple.com/app/id1576687725)
- **If you're an Android user, download the app here:**[https://i.grabrfi.com/android-app](https://i.grabrfi.com/android-app)
- **Another option is to use our web version here:**[https://app.grabrfi.com/](https://app.grabrfi.com/)
Please use your email address to create a login and create a secure password. Right after registration, you will be prompted to verify your email address.
Afterward, please complete the identity verification process. See accepted documents [here](https://help.grabrfi.com/content/what-documents-can-i-use-for-identity-verification).
Once your request is received, you will receive notification when it's approved, so you can open your account.
---
Source: https://help.grabrfi.com/en/content/what-documents-can-i-use-for-identity-verification
# What documents can I use for identity verification?
_Category: Account settings and personal information_
**We have a different set of documents suitable for identity verification depending on your country of residence. Please note the following guidelines:**
1. **Validity:** Ensure that the documents provided are valid and not expired.
2. **Types of ID:** We only accept permanent identification documents. Temporary ID cards will not be accepted.
3. **Tax ID Requirement:** A personal Tax ID is mandatory for account opening.
4. **Accepted Documents:** Accepted forms of identification include passports, national IDs, and driver's licenses.
**Important Note:** To open an account with GrabrFi, you must be at least 18 years old.
For detailed information regarding the accepted types of documents per country, please refer to this article: [Requirements to Open a GrabrFi Account](https://help.grabrfi.com/en/content/requirements-to-open-a-grabrfi-account)
---
Source: https://help.grabrfi.com/en/content/i-can-not-verify-my-document
# I can not verify my document
_Category: Account settings and personal information_
Sorry to hear! Here are some quick tips to help, so please make sure that:
- You are using a real document and not its copy
- You are over 18 years old
- Your document is valid and not expired
- Your document is not blurry
- There is enough light
- All borders of the document are visible
- Your document is not laminated or in a protector
- Your document is suitable for identity verification. See accepted documents [here](https://help.grabrfi.com/content/what-documents-can-i-use-for-identity-verification).
If the issue persists, do not hesitate to [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/my-application-is-not-yet-approved-what-s-next
# My application is not yet approved, what’s next?
_Category: Account settings and personal information_
Due to high application volume, some account reviews are taking longer than usual. Applications are reviewed in the order received. No action is needed unless we contact you for more information.
In some cases, we may not be able to verify the information provided automatically, or additional review may be required to complete the onboarding process. Certain applications are reviewed manually as part of our compliance and verification requirements.
We aim to make the onboarding process as smooth and efficient as possible. However, due to high application volume, some reviews are currently taking longer than usual. Review times may vary depending on application volume and the nature of the review.
Please note that no action is required from you unless you are contacted by our team. If additional information is needed, we will reach out by email. You will be notified once your review is completed.
---
Source: https://help.grabrfi.com/en/content/my-application-was-approved-but-i-can-t-find-my-account
# My application was approved, but I can’t find my account
_Category: Account settings and personal information_
Once your application is approved, please open the GrabrFi app to finish opening your account.
---
Source: https://help.grabrfi.com/en/content/i-can-t-access-my-account-or-log-in
# I can’t access my account or log in
_Category: Account settings and personal information_
Sorry to hear! Here are a few tips to help you solve this:
- Please check that your device is connected to the internet
- Make sure you are using the right login and password.
If you forgot your password, please use the reset password feature to get an email with a reset link and set a new one.
In some cases, rate limiting on the number of recurring login requests may be applied.
If you still need help, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/how-to-update-your-email-address
# How to update your email address
_Category: Account settings and personal information_
Here are easy steps to update the email address on your GrabrFi account.
1. Go to More → Profile & Settings → Email or [click here](https://app.grabrfi.com/more/profile).
2. Enter your updated email address, double check to make sure it's correct and click "Save".
3. You'll receive a verification code on your phone to confirm this action. Enter the code.
4. We will send you a verification code to your new email address. Enter the code in the app. Once this last step is completed your email address will be immediately updated.
You can only update your email address if you have a verified email address and phone number and your GrabrFi account is approved.
For security reasons, you can only change your email address up to 2 times within a 24-hour period.
---
Source: https://help.grabrfi.com/en/content/i-can-not-verify-my-email-address
# I can not verify my email address
_Category: Account settings and personal information_
Sorry to hear this! We send an email with a verification code from the domain [notifications.grabrfi.com](http://notifications.grabrfi.com), and it’s valid for 24 hours, please make sure you check your spam folder. If you’ve checked, and our email isn’t there, we suggest:
- Make sure you entered your email address correctly when signing up.
- Make sure your email address is in proper format and contains @*. Example -*[*example@example.com*](mailto:example@example.com)
- Please check your spam folder.
If you still need help, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/my-email-is-already-taken
# My email is already taken
_Category: Account settings and personal information_
It is highly likely that you already have an account with GrabrFi. Please try to restore the password to get access to your profile. If you still need help, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/how-can-i-change-reset-my-password-security-requirements-for-your-password
# How can I change/reset my password? Security requirements for your password
_Category: Account settings and personal information_
Please log out from your account and open the ‘Login’ section. Click ‘forgot password’ to get a password reset link via email. Make sure your password is secure enough and fits our security requirements:
- Minimum 8 characters long
- Contains at least one uppercase letter (A-Z)
- Contains at least one lowercase letter (a-z)
- Contains at least one numeric character (0-9)
- Contains at least one special character (such as !, %, ?, or *)
**Passwords cannot contain:**
- Your name, ID number or Social Security number
- Common words or phrases (e.g., "password123", "letmein")
- Phrases found on common password lists
- Sequential or repeating letters or numbers (e.g., "123456", "qwerty")
**For additional security, please follow these best practices:**
- **Unique passwords:** Use a different password for each account to prevent potential breaches from spreading.
- **Password manager:** Consider using a password manager to help you create and store strong, unique passwords for all your accounts.
- **Password changes:** Change your password regularly, especially if you suspect it may have been compromised.
- **Avoid sharing:** Never share your password with anyone.
By following these guidelines, you can create strong passwords that help keep your account information safe and secure. If these guidelines are not followed, you will see the message "Password too weak", please check the requirements and try again.
---
Source: https://help.grabrfi.com/en/content/i-did-not-get-a-password-reset-link-via-email
# I did not get a password reset link via email
_Category: Account settings and personal information_
Please make sure you check your spam folder. If you’ve checked, and our email isn’t there, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team for assistance.
---
Source: https://help.grabrfi.com/en/content/how-do-i-activate-or-change-my-passcode-and-face-touch-id
# How do I activate or change my Passcode and Face/Touch ID
_Category: Account settings and personal information_
If you are using the mobile app on iOS, after email verification you will be prompted to set up a Passcode and Face/Touch ID to be able to enter the app fast and secure without the need to enter a password every time.
#### I turned off Face/Touch ID and don’t know how to switch it back on
To turn back on face/touch ID:
- Open Settings
- Search for the GrabrFi app and open it
- Turn Face/Touch ID back on
---
Source: https://help.grabrfi.com/en/content/i-cannot-verify-my-phone-number
# I cannot verify my phone number
_Category: Account settings and personal information_
When setting up your GrabrFi profile, we'll ask you to verify your phone number. Here are a few tips to help you complete this step:
- Make sure you entered your phone number correctly
- Make sure you entered your phone number in an international format, starting with country code*
**When entering a phone number in an international format, start with a plus sign (+). Then, write the country code, followed by the full phone number. For example, the United States number 123-4567 in area code 408 would be written as +14081234567. (1 is the country code). Make sure to remove any leading zeros or any special calling codes.*
As we are unable to send SMS to landlines, a mobile number is required to create a GrabrFi account.
### **How you'll receive verification codes**
GrabrFi sends one-time verification codes (OTPs) for phone verification through multiple channels. You can select the preferred channel:
- **WhatsApp**. If you have WhatsApp installed and linked to the number you are trying to verify, this is often the fastest and most reliable way to receive your verification code.
- **SMS**. If you prefer not to use WhatsApp, you can choose to receive your code via SMS instead.
### **Didn't receive your code?**
For more troubleshooting tips, see [Why am I not receiving verification codes from GrabrFi?](https://help.grabrfi.com/en/content/why-am-i-not-receiving-sms-messages-from-grabrfi)
---
Source: https://help.grabrfi.com/en/content/what-address-should-i-provide-when-creating-my-account
# What address should I provide when creating my account?
_Category: Account settings and personal information_
Please provide your full current and legal address, including unit number. Here are some examples of accepted address formats:
**US address example:**
11 W 53rd St
Apt 3A
New York, NY
10019
United States
**Argentinean address example:**
Avenida Pres. Figueroa Alcorta 3415
Ciudad Autónoma de Buenos Aires
Buenos Aires, Argentina
C1425CLA
---
Source: https://help.grabrfi.com/en/content/what-type-of-card-does-grabrfi-offer-and-where-can-i-use-it
# What type of card does GrabrFi offer, and where can I use it?
After your account is approved, you can get the global card, a prepaid Visa, directly from the app.
Your card is digital as soon as it is issued, so you can start using it online right away.
You can use the global card anywhere Visa is accepted, online and in stores. Purchases are funded from your global account.
The global card charges a foreign transaction fee based on where the merchant is located: no fee (0%) for purchases in the United States, and a 1.5% fee for purchases outside the United States.
The global card cannot be used at ATMs. It does not support cash withdrawals or ATM balance inquiries.
The global card is available to customers in: Argentina, Bolivia, Brazil, Colombia, Ecuador, El Salvador, Guatemala, Panama, Paraguay, Peru, Uruguay, Mexico, United States, Dominican Republic, Ghana, Nigeria.
More countries are expected in 2026 and 2027, and we will announce them as they become available.
---
Source: https://help.grabrfi.com/en/content/how-can-i-find-my-card-details
# How can I find my card details?
_Category: Global Card_
It’s easy to navigate your GrabrFi app and find your card information to use online. Follow these steps:
- Log in to the application and click on ‘Home’
- Click on your card to see the details
- Here, you will be able to see general information, like your card’s last 4 digits and billing address
- Click on ‘Card details’ to see full information: like card number, CVC, and expiration date
*Card details are considered sensitive information, so will we ask you to enter a security code from an SMS before you can see this information.*
---
Source: https://help.grabrfi.com/en/content/i-can-t-make-a-payment-with-my-card
# I can’t make a payment with my card
_Category: Global Card_
Sorry to hear! Please make sure that:
- Your card is active (you can block and unblock your card from the card settings)
- Your balance covers the transaction amount in USD
If you are attempting an online purchase, please ensure that all card information, including your billing address, is correctly entered when attempting your purchases.
We added some [error messages](https://help.grabrfi.com/en/content/newly-added-error-messages-for-card-purchases-and-transfers?ref=is&_q=billing%20address) for card purchases and transfers so you can easily understand what happened and how you might be able to fix it.
You can check the transaction status in the ‘Transaction section’. Click on the transaction in the list to see more information.
For details about the transaction or the reason for failure, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/how-can-i-activate-block-the-card
# How can I activate/block the card?
_Category: Global Card_
By default, your card is activated. If you want to temporarily block/activate your card, log in to the application and open the ‘Home’ section. Click on your card to see more details.
At the bottom of the card screen, you will see the option to block it or activate it.
---
Source: https://help.grabrfi.com/en/content/how-can-i-set-up-update-a-card-pin
# How can I set up/update a card PIN?
_Category: Global Card_
It’s easy to navigate your GrabrFi app and set up/update your card PIN. Follow these steps:
- Log in to the application and click on ‘Home’
- Click on your card to see the details
- Click on ‘Set up or update PIN’, and enter the new PIN.
*We will ask you to provide a one-time security code from SMS to confirm the change.*
---
Source: https://help.grabrfi.com/en/content/what-is-the-billing-address-of-the-card
# What is the billing address of the card?
_Category: Global Card_
The billing address of the card is the address you’ve provided during the onboarding process. To see your billing address, please follow these steps:
- Log in to the application and click on ‘Home’
- Click on your card to see the details
- Here, you will be able to see general information about your card, and its billing address
---
Source: https://help.grabrfi.com/en/content/can-i-request-a-second-card
# Can I request a second card?
_Category: Global Card_
As of now, we offer only one active card for each account. Stay tuned for any updates!
---
Source: https://help.grabrfi.com/en/content/what-if-i-don-t-recognize-a-charge-on-my-statement
# What if I don’t recognize a charge on my statement?
_Category: Global Card_
Please make sure you’ve checked all of your emails and receipts. Should you still not recognize the charge, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) support. Read more about this [here](https://help.grabrfi.com/en/content/can-i-dispute-a-transaction-i-don-t-recognize).
---
Source: https://help.grabrfi.com/en/content/can-i-dispute-a-transaction-i-don-t-recognize
# Can I dispute a transaction I don’t recognize?
_Category: Global Card_
Yes, you can.
If you notice a pending transaction that you did not authorize, you can contact the merchant during the pre-authorization (it usually takes a few days) period to request cancellation. Disputes can not be created for pending transactions.
In case of errors or questions about your electronic transactions, please, [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team to get this started.
Disputes Must be Reported in 60 Days After Your Statement is Made Available. If you think your statement or a receipt is wrong or if you need more information about a transaction listed on it, please contact our Support team.
You must report any errors within sixty (60) days from the earliest of (i) the date the statement was made available to you on the Grabr Inc. website and/or the mobile application or (ii) the date you access your Account and would have been able to see the error.
You must provide the appropriate information for us to investigate the error or unauthorized transaction, including at least the date of the transaction and its amount. If you [call](https://help.grabrfi.com/) us, we may request that you send your complaint or question in writing within ten (10) business days.
- We will determine whether an error occurred within ten (10) business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to use this additional time, we will credit your Account for the amount you think is in error within ten (10) business days, so that you will have use of the money during the time it takes to complete the investigation.
- If your Account was opened less than thirty (30) days before the date of the suspected error, the error resulted from a point-of-sale debit card transaction or was initiated in a foreign country, we may extend the ten (10) business day period to ninety (90) days before crediting your Account.
- If we ask you to put your complaint or question in writing, and you do not provide it within ten (10) business days, we will not credit your Account.
- You will be informed of the result of the investigation within three (3) business days after our completion of the investigation. If we determine that there was no error, we will send you an explanation by email or by making it available via the Platform website or mobile application. Copies of the investigation documentation can be obtained by contacting us.
*Note: A fee of $30 will be charged to your account if a dispute you opened on a transaction is lost.*
---
Source: https://help.grabrfi.com/en/content/how-can-i-see-the-balance-of-my-account
# How can I see the balance of my account
_Category: GrabrFi account_
Log in to the account and check the ‘Home’ section to see the balance. It will be on top of the screen nominated in USD.
---
Source: https://help.grabrfi.com/en/content/my-account-balance-is-not-updating-in-the-application
# My account balance is not updating in the application
_Category: GrabrFi account_
If your balance appears outdated, try the following steps:
- **Web:** Refresh the page or click on the "Home" tab to reload your balance.
- **iOS / Android:** Pull down on the Home screen to refresh. This also works for the list of transactions.
If the balance is still not updating:
1. Check your internet connection.
2. Close and reopen the app.
3. Log out and log back in.
If the issue persists, please contact our support team for assistance.
---
Source: https://help.grabrfi.com/en/content/how-can-i-get-my-account-statement
# How can I get my account statement?
_Category: GrabrFi account_
We automatically send a monthly statement to the email associated with your GrabrFi account, usually by the 10th day of the following month.
To find your account statement in the app:
1. Open the GrabrFi app and go to the Home screen.
2. Tap your global account to open it.
3. Scroll down and select Monthly Statements to view or download your statement.
GrabrFi - Monthly Statements
---
Source: https://help.grabrfi.com/en/content/how-can-i-find-my-account-details
# How can I find my account details?
_Category: GrabrFi account_
Need your account details, account number, or routing number to receive transfers, payments, or your salary? Here's how you can find them in just a few taps.
#### **Option 1: Quick Link**
Tap here 👉 [Account details](https://app.grabrfi.com/home/account-details) to go straight to your account details.
#### **Option 2: Navigate in the App**
1. Open the **Home** screen.
2. Tap on your **global account**.
3. On the **Account screen**, select **Account details**.
GrabrFi - How to Find Your Account Details?
Your account details are valid for **transfers within the U.S.**
---
Source: https://help.grabrfi.com/en/content/my-account-is-suspended-why-and-what-should-i-do
# My account is suspended. Why and what should I do?
_Category: GrabrFi account_
We may place a security hold on your account if we detect suspicious activity such as suspicious logins, transfers, and charges.
We do our best to communicate the issue to you via email within the first 24 hours. If you did not receive any communication after 24 hours after suspension, please [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/bank-transfer-statuses
# Bank transfer statuses
_Category: Transactions and transfers_
There are different statuses for bank transfers that you initiate. Here is more information about them:
- **Pending:** the outgoing transfer is being processed. The timeframe for this status to change to ‘posted’ depends on the type of transfer you selected when creating it. Please refer to [this](https://help.grabrfi.com/en/content/cutoff-times-for-transfers-timeframes) article for more information.
- **Posted:** you either received or successfully transferred an amount to another account.
- **Canceled:** the outgoing transfer was cancelled
If you still have questions, do not hesitate to [contact](https://mail.google.com/mail/u/0/?fs=1&tf=cm&source=mailto&to=support@grabrfi.com) our support team.
---
Source: https://help.grabrfi.com/en/content/i-made-a-payment-with-my-debit-card-but-the-status-is-pending-what-does-it-mean
# I made a payment with my debit card, but the status is pending, what does it mean?
_Category: Global Card_
## What does the pending status mean in a card transaction?
In a card transaction, a "pending transaction" refers to a charge that has been authorized but not yet fully processed by the merchant.
## Why does this happen?
Pending transactions on your card can be related to two scenarios:
Pre-authorization: Sometimes, some establishments hold an amount on your account before authorizing the final charge.
Regular processing: Generally, the settlement of a transaction takes a few days after its initiation.
## How can I stop such a transaction?
While the transaction is in pending status, the amount is no longer available for your use. This is a way for the establishment to retain your payment until they are ready to fully process the payment.
Pending transactions cannot be stopped and have a time frame of 7 to 30 days to be completed or rejected.
If the transaction settles, and you need a refund, please contact the merchant.
If the merchant does not respond and the transaction is still pending after 30 days, we can help you dispute it if it meets the criteria. Just let us know and we will assist you.
---
Source: https://help.grabrfi.com/en/content/how-long-does-it-take-for-refunds-to-be-available-in-my-account
# How long does it take for refunds to be available in my account?
_Category: Transactions and transfers_
If you made a payment and the retailer issued a refund, it may take up to 7 business days for the amount to be available in your GrabrFi account again.
We will notify you via push notification when a refund is received.
---
Source: https://help.grabrfi.com/en/content/how-can-i-send-an-ach-or-wire-transfer
# How can I send an ACH or wire transfer?
_Category: Transactions and transfers_
You can make a transfer in seconds from the GrabrFi app to your clients, partners, or loved ones. Here is how.
### **How to make an outgoing transfer**
1. Log in to the app and tap Home.
2. Tap Transfer and select the type of transfer you want to make.
### **Wire transfer (within the US only)**
1. Add the routing number and tap "Find bank".
2. Once the bank populates, continue.
3. Add the beneficiary full name and the account number, then continue.
4. Add the transfer amount, review the limits and fees that apply, and tap "Continue".
5. Review the transfer details, then tap "Create transfer".
### **ACH transfer (within the US only)**
1. Add the routing number and tap "Find bank".
2. Once the bank populates, continue.
3. Select the beneficiary type (individual or business).
4. Add the beneficiary full name.
5. Select the account type (Checking or Savings).
6. Add the account number.
7. Add the transfer amount, review the limits and fees that apply, and tap "Continue".
8. Review the transfer details, then tap "Create transfer".
Outgoing ACH transfers are processed the same business day when sent before the daily cut-off time. Transfers started after the last cut-off, or on weekends and US bank holidays, are processed the next business day.
You will receive a confirmation email and a push notification once you send the transfer.
### **A note on routing numbers**
GrabrFi accounts use the same routing number for ACH and wire transfers. Some US banks, however, have multiple routing numbers. If you are transferring to an account outside GrabrFi, make sure you use the correct one: the ACH routing number for ACH transfers, and the wire routing number for wire transfers.
Looking to send stablecoins instead? See [How do I send stablecoins from my global account?](https://help.grabrfi.com/en/content/how-do-i-send-stablecoins-from-my-grabrfi)
---
Source: https://help.grabrfi.com/en/content/what-is-the-difference-between-ach-and-wire-transfers
# What is the difference between ACH and Wire transfers?
_Category: Transactions and transfers_
There are a few differences between ACH and Wire transfers that should be understood before making a decision.
ACH uses a batch process that allows a large batch of transactions to be handled at once, hence, why these are usually free of charge or have very low costs. Wire transfers, on the other hand, are individual transactions handled by an individual request and are more expensive to use due to the increased processing costs that come along with them.
There is also the settlement period, ACH transfers typically take one business day to complete. Wire transfers move funds from one bank to another within one business day usually, but sometimes may need human interaction with a bank employee to finish the process. Learn more about settlement periods [here](https://help.grabrfi.com/en/content/transfers-settlement-times-cut-off-times-and-how-to-resolve-any-issues).
Both services are considered safe and trustworthy. Each use advanced security protocols to keep data private and prevent against fraud.
For current fees, see the [full schedule of fees](https://help.grabrfi.com/en/content/full-schedule-of-fees).
---
Source: https://help.grabrfi.com/en/content/will-you-charge-me-additional-fees-for-foreign-transactions
# Will you charge me additional fees for foreign transactions?
_Category: Global Card_
Yes. Your global card charges a foreign transaction fee based on where the merchant is located.
- **Purchases in the United States:**no foreign transaction fee (0%).
- **Purchases outside the United States:**a 1.5% foreign transaction fee applies, regardless of the currency charged. This includes transactions where a merchant outside the United States bills you in dollars.
When a merchant outside the United States processes your payment in a currency other than dollars, Visa converts the transaction amount to dollars using the exchange rate it applies for the applicable processing date. This rate may differ from the rate available on any given day.
---
Source: https://help.grabrfi.com/en/content/spending-limits-for-my-card
# Spending Limits for my card
_Category: Pricing and limits_
Your global card starts with a daily spending limit of $2,000. Thirty days after your first transaction, this limit automatically increases to $5,000.
This limit applies to purchases at merchants, online and in stores. It helps keep your account secure.
We regularly review these limits to ensure they are in line with customer spending patterns. As a result, the limit for these transactions may change from time to time.
The transactional limits reset 24 hours after the last transaction.
Note: ATM cash withdrawals are not available with the global card.
---
Source: https://help.grabrfi.com/en/content/is-my-information-shared
# Is my information shared?
_Category: Security_
At GrabrFi are committed to respecting the privacy and maintaining the security of your personal information.
We have implemented reasonable safeguards to help protect your personal information from unauthorized access, acquisition, or disclosure, alteration, or destruction.
Some of your information is shared with third parties in order for us to be able to fully provide GrabrFi services, to prevent fraud & keep you and us safe. For more information, please read [GrabrFi's Privacy Policy](https://help.grabrfi.com/en/content/privacy).
---
Source: https://help.grabrfi.com/en/content/what-should-i-write-in-the-transfer-description-when-sending-a-transfer
# What should I write in the transfer description when sending a transfer?
_Category: Transactions and transfers_
When sending a transfer from the GrabrFi app, it’s required that the transfer description is accurate and detailed, to avoid cancelled transfers.
The description must contain the reason of the transfer (in English), it must be detailed, and not vague, here are a few accepted examples:
| **Unacceptable** | **Acceptable** |
| --- | --- |
| ❌ Payment to vendor | ✅ Payment to vendor for security software |
| ❌ From GrabrFi to Jon Smith | ✅ GrabrFi payroll to employee |
| ❌ Consultancy services | ✅ Accounting consulting services |
| ❌ Payment for Invoice 123456 | ✅ Payment for Invoice 123456 for quilting material and sewing products |
Note: If the beneficiary’s bank requires a memo ‘For Further Credit (FFC)’ or ‘For Benefit Of (FBO)’ instructions to receive a transfer, provide these here as specified by the beneficiary’s bank. This may be an account number OR beneficiary’s full name.
---
Source: https://help.grabrfi.com/en/content/what-responsibility-do-i-have-with-the-authorities-of-my-country
# What responsibility do I have with the authorities of my country?
_Category: Account settings and personal information_
Citizens and residents of any country are responsible for declaring their financial movements abroad before the local authorities if they so require.
---
Source: https://help.grabrfi.com/en/content/how-do-i-set-my-card-up-with-google-pay
# How do I set my card up with Google Pay?
_Category: Global Card_
Your GrabrFi debit card is compatible with Google Pay! Follow these easy steps to add it to your device:
1. Open the **Google Wallet**app
2. At the bottom, tap Add to Wallet 
3. Tap Payment card.
- Any cards you saved to your Google Account are shown.
4. Tap New credit or debit card.
- To add a card, use your camera or tap Enter details manually.
5. At the bottom, tap Save.
6. Read the Issuer Terms and tap Accept.
7. If you’re asked to verify your payment method, choose an option from the list. [Learn how to verify your payment method](https://support.google.com/wallet/answer/12098871).
Tip: After this step, you should get a message that your card was added and is ready to [make contactless payments](https://support.google.com/wallet/?visit_id=637872197811061196-3196684609&rd=1#topic=11924198) in stores, online, or in apps where Google Pay is accepted. If you get a different message, [learn to fix a problem](https://support.google.com/wallet/answer/12058983#fix_a_problem).
**
Note: Google Pay is not available in Bolivia or Nigeria.
After you add a card, you might find a small transaction on your account from Google Wallet. This transaction checks that your card and account are valid. This transaction will soon disappear and doesn’t affect your balance.
Go [here](https://support.google.com/wallet/answer/12058983?hl=en#zippy=%2Cdesde-la-aplicaci%C3%B3n-google-wallet%2Cwith-the-google-wallet-app) to get more information about this.
---
Source: https://help.grabrfi.com/en/content/does-grabrfi-work-with-paypal
# Does GrabrFi work with PayPal?
_Category: Transactions and transfers_
You can **transfer money to and from your PayPal balance and your GrabrFi account** easily, by linking your GrabrFi account to PayPal. Here are a few recommendations:
1. The name on a transfer to your GrabrFi account must match your full name, as shown on your GrabrFi account, otherwise, the transfer will be returned to your PayPal account.
2. PayPal will make 2 micro-deposits to your GrabrFi account to verify you own the account and verify it. These micro-deposits may take up to 3 business days to show up on your GrabrFi account.
We recommend reading this article: [How do I confirm my bank account with PayPal?](https://www.paypal.com/us/smarthelp/article/HELP185) Or contacting PayPal support for further information.
---
Source: https://help.grabrfi.com/en/content/how-to-use-wise-to-affordably-withdraw-to-local-currency
# How to use Wise to affordably withdraw to local currency
_Category: How to withdraw to local currency_
If you are in Argentina, Bolivia, Brazil, Colombia, Mexico, Nigeria, Peru, or Uruguay, you can withdraw to your local currency directly from GrabrFi at a competitive exchange rate and without leaving the app. See [how to withdraw to local currency](https://help.grabrfi.com/en/content/how-to-withdraw-to-local-currency-argentina-colombia-and-brazil).
If your country is not on the list, Wise is a good option, since it uses the mid-market rate to convert your money. Here is how to use it.
## **1. Open an account with Wise**
If you don't have an account, you can open one for free here.
## **2. Open a USD account**
Click on the 'Open' button in the 'Account' section. Select the account type 'Balance' and follow Wise's instructions. You'll need to deposit a small amount of money into the account. Don't worry, you'll be able to use it later.
## **3. Look up your Wise USD account details to send money from GrabrFi to Wise**
On Wise, open the USD account page. Click the 'Receive' button, and then click 'Your USD account details' in the menu:
You will see the details on the 'Inside the US' tab in the following format:
You will only need the 'ACH and Wire routing number' and 'Account number.' This page will show you info about the transfer cost.
## **4. Add your Wise USD account as a recipient on GrabrFi**
Open GrabrFi, and on the main screen, below your balance, click the 'Transfer' button:
Click '+ Add a recipient':
Click 'Yourself':
In the dropdown menu 'Select transfer type', select 'ACH (US only)', and add the ACH routing number from Wise. Click the 'Find bank' button:
If you see EVOLVE BANK TRUST, it's good to go! Click 'Continue.'
On this screen, leave the selection on 'Checking' and add the account number from Wise. Then click 'Add a recipient':
Done! Now you can send money to your Wise USD account.
## **5. Add Wise account details to GrabrFi**
On the main screen of GrabrFi, click the 'Transfer' button below your balance:
Select the Wise USD account you added:
Enter the amount you want to transfer (under the details). Outgoing ACH transfers are processed the same business day, as long as you send them before the daily cut-off time. Transfers started after the last cut-off, or on weekends and US bank holidays, are processed the next business day.
On the next screen, make sure all of the details are correct and enter a clear description of your transfer, such as:
Transfering money to my other account on Wise
All looks good? Great! Click "Create transfer" and your ACH transfer will be processed and sent to your Wise account.
## **6. How to withdraw from Wise to local currency**
Open the USD account page in Wise. Click the 'Send' button and then click 'Your USD account details' in the menu:
On the next step, enter the amount you'd like to transfer to local currency and review the fees. Click 'Continue' and follow Wise's instructions.
Done! The money typically arrives in your local bank account within a few hours.
---
Source: https://help.grabrfi.com/en/content/how-to-use-remitly-to-affordably-withdraw-to-local-currency
# How to use Remitly to affordably withdraw to local currency
_Category: How to withdraw to local currency_
We understand your feedback that the fee for international wire transfers is high. The overall cost covers the fees charged by the sending, intermediary and receiving bank to securely move money around the world in different currencies. We only earn a small part of the overall transfer fee to cover our operating costs. Here's how you can use Remitly to affordably withdraw to local currency.
**Difference between Remitly and GrabrFi**
With GrabrFi, you can get paid, spend it with a US debit card, save your money under US jurisdiction, withdraw a portion of it back to your country when needed.
Remity is an international money transfer service. You can use it to affordably send money from GrabrFi to yourself in local currency or to friends and family.
GrabrFi only supports Remitly to withdraw part of earnings to local currency for personal use. GrabrFi does not support the use case as a **cashier**.
Bad usage of this platform can lead in suspending your account.
#### **Remitly fees**
**Currency exchange rate**
Remitly adds a margin of between 0.5% to 3.0% above the mid-market exchange rate depending on the currency pair.
**Transfer fees**
It depends on how much money you send, the payment method you use and the delivery speed you select (Express is instant and Economy takes 3-5 business days).
#### **1. Open an account on Remitly if you don’t already have one**
- Go to [Remitly](https://www.remitly.com/)or download their iOS or Android app.
- Click on 'Get Started' or 'Sign Up'.
- Enter your full name, email address, and create a password.
- Verify your email address by clicking on the link sent to your inbox.
- Complete your profile by entering your address, phone number, and date of birth.
#### **2. Set up your transfer**
Now that you have an account, you can start sending money. Follow these steps to set up your transfer:
- On Remitly, select the country you'd like to send money to (you can do this at the bottom of the website).
- Enter the amount you’d like to transfer in US dollars. Here are [Remity’s limits](https://www.remitly.com/us/en/users/increase_limits).
- Choose the receiving currency (local currency or USD). If you or your recipient’s account supports US dollars, you can choose US dollars to avoid currency conversion (you can pay for this transfer with money from your GrabrFi bank account.
- Choose a delivery option.
- Express: pay with your GrabrFi debit card. The money is transferred instantly.
- Economy: pay with money from your GrabrFI account. This takes 3-5 business days.
#### **3. Enter you or your recipient's information**
- Enter the details of your other account or your recipient’s account. This includes:
- Full legal name
- Address
- Phone number
- Bank account information (if sending directly to a bank account)
- Fill out your sender information.
- Enter your name.
- [Use this US address](https://help.grabrfi.com/en/content/i-need-a-u-s-billing-address-to-make-a-purchase-what-can-i-use) for your address.
- Double check to make sure all the details are correct to avoid any delays.
#### **4. Select a payment method**
Choose how you'd like to pay for your transfer, it can be with card or ACH bank transfer
Express delivery speed: instant, higher fees
- GrabrFi debit card
- Apple Pay or Google Pay
Economy delivery speed: 3-5 business days, lower or no fees
- GrabrFi account (ACH transfer)
Note that fees and processing times may vary depending on the payment method you choose.
#### **5. Review and confirm your transfer**
Before submitting your transfer, carefully review all the details, including the transfer amount, recipient information, delivery method, and payment method.
- If everything is correct, click 'Confirm' or 'Send Money' to initiate the transfer.
- Remitly will send you a confirmation email with the details of your transaction and a tracking number.
#### **6. Track your transfer**
You can track the progress of your transfer by checking its transaction history or by using the tracking number provided in the confirmation email. You (and your recipient) will also receive notifications when the transfer is complete.
---
Source: https://help.grabrfi.com/en/content/global-account-transfer-limits
# Global Account transfer limits
_Category: Pricing and limits_
Your global account lets you receive and send money using ACH, Wire transfers, and stablecoins.
Transfer limits depend on the type of transfer and how the funds are sent. Some have specific limits, while others don't have a fixed published maximum. Here are some details that might help.
## **Receiving money**
When you receive money, the limit depends on who sends it.
| **Incoming transfer type and sender** | **Limit per transfer** |
| --- | --- |
| Stablecoins | No published limit |
| ACH or Wire from a business, employer, or platform (payroll, Upwork, Deel, marketplaces) | No published limit |
| ACH or Wire from another person using their personal external account* | $4,000 |
| Same Day ACH (excluding person to person transfers)** | Up to $1,000,000 |
*The $4,000 limit only applies to person to person transfers from an individual's personal bank account. It does not apply to payments from businesses, employers, payroll providers, or platforms.
*Same Day ACH limits up to $1,000,000 apply to all, except to person to person transfers from an individual's personal bank account, those have a limit of $4,000 per transfer.*
## **Sending money**
### **Sending stablecoins**
These limits apply when you send stablecoins (USDC, USDT, or PYUSD) from your global account to an external address.
| **Period** | **Limit** |
| --- | --- |
| Per transaction | $30,000 |
| Daily | $40,000 |
| Monthly | $100,000 |
| Yearly | $360,000 |
### **Sending by ACH or wire**
These limits apply when you send ACH and Wire transfers.
| **Transaction Type** | **Per transaction** | **Daily limit** | **Monthly limit** | **Yearly limit** |
| --- | --- | --- | --- | --- |
| ACH | $30,000 | $40,000 | $100,000 | $360,000 |
| Domestic Wire | $30,000 | $40,000 | $100,000 | $360,000 |
*Note: International wire (SWIFT) transfers are being enabled. This option may not be active yet when you read this, and we will let you know as soon as it is available.*
## **Large transfers**
Large or unusual transfers may require additional security or compliance review before they're completed. This review is separate from your transfer limits and may add processing time.
## **Minimum amounts**
The minimum you can send or receive depends on the stablecoin and network:
| **Stablecoin / Network** | **Minimum to send** | **Minimum to receive** |
| --- | --- | --- |
| USDC (all networks) | $1 | $1 |
| USDT on Ethereum | $20 | $2 |
| USDT on Tron | $5 | $5 |
| USDT on Solana | $20 | $2 |
## **Withdrawals and top-ups in local currency**
If you withdraw funds to your local currency or add funds using local payment methods, the following limits apply:
| | **Daily** | **Monthly** | **Yearly** |
| --- | --- | --- | --- |
| Withdrawals | $5,000 | $20,000 | $180,000 |
| Top-ups | $2,000 | $15,000 | $180,000 |
### **Why don't some transfers have a published limit?**
Some methods don't have a fixed maximum amount. Instead, transfers are assessed based on account verification, compliance requirements, and payment rail capabilities. Large transfers may require additional review before they're processed.
---
Source: https://help.grabrfi.com/en/content/how-to-set-up-your-grabrfi-account-on-airbnb-to-receive-payments
# How to set up your GrabrFi account on Airbnb to receive payments
_Category: Transactions and transfers_
Airbnb is a popular platform for people to rent out their properties or book accommodation worldwide. In this tutorial, we'll guide you through the process of adding your GrabrFi account to Airbnb, so you can receive your payments directly in US dollars.
Incoming ACH transfers in US dollars are free with GrabrFi, and Airbnb doesn't charge any fees for payments to US accounts.
## **First, you need to know the details of your GrabrFi account.**
1-Open your GrabrFi account and click on "[details](https://app.grabrfi.com/account/details)"
2-Have the information that appears on the "USA" tab ready.
## **Then you can start setting up your account, for that:**
1- Log in to your Airbnb account, and access your account settings.
2-In the dropdown menu that appears, click on "Account Settings." Then click on "[Payments & Payouts](https://www.airbnb.es/account-settings/payments/payout-methods)."
**3-Add a new payout method:** Click the "Add Payout Method" button and choose "United States" from the dropdown list. Then select "Bank Account."
**4-Enter the details of your GrabrFi account:**Select "Checking" account, and remember to use your ACH routing number. Verify the information; incorrect information can cause delays or failed payments.
**5- Address**, use our banking partner's: Lead Bank — 1801 Main Street, Kansas City, MO 64108, USA.
6**- Verify your identity:**To protect your account and ensure secure transactions, Airbnb may ask you to verify your identity before adding a new payment method.
******7-Select a contributor for this account:**
Airbnb requires you to file your tax returns to know which country you are subject to taxation in. Although your payment account is in the United States, you pay taxes in Argentina/Colombia/Peru, etc. Therefore, it's necessary for you to fill out the W-8BEN form.
Through this form, you will declare that even though you receive payment to a US account, your tax filling is made in your country of residence.
*Click on "Add a new contributor”
select the option that says "W-8BEN form."
Fill out the requested information. Leave the section that says "US tax identification number" blank and complete the section that says "Foreign tax identification number" with your tax number. For example, in the case of Argentinians, you should enter your CUIT here.
8-That's it! Once you've submitted all your information, you'll receive 2 emails from Airbnb:
*The first is a confirmation email of your information.
*The second email is to inform you that, as a test and to verify that everything is working correctly, Airbnb will send you $0.01 usd to your GrabrFi account.
**If you received this deposit, congratulations! Y****ou can now start receiving your Airbnb payments directly in US dollars to your GrabrFi account,****without the high fees of international transfers.**
---
Source: https://help.grabrfi.com/en/content/how-to-update-your-billing-and-mailing-address
# How to update your billing and mailing address
_Category: Account settings and personal information_
Here are easy steps to update the billing or mailing address on your GrabrFi account.
1. Go to More → Profile & Settings → Billing address / Mailing address or [click here](https://app.grabrfi.com/more/profile).
2. Enter your updated address, double check to make sure everything is correct and click "Save".
3. Your address will be updated immediately.
A few limitations to keep in mind:
- US billing addresses can only be changed to another US billing address.
- Non-US billing addresses cannot be changed to US addresses.
---
Source: https://help.grabrfi.com/en/content/how-to-update-your-phone-number
# How to update your phone number
_Category: Account settings and personal information_
Here are easy steps to update the phone number on your GrabrFi account.
1. Go to More → Profile & Settings → Phone or [click here](https://app.grabrfi.com/more/profile).
2. Enter your updated phone number, double check to make sure it's correct and click "Save".
3. You'll receive a verification code to your email to confirm this action. Enter the code and your phone number will be immediately updated.
You can only update your phone number if you have a verified phone number and email address and your GrabrFi account is approved.
For security reasons, you can only change your phone number up to 2 times within a 24-hour period.
---
Source: https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-paypal
# How to top up your GrabrFi account with PayPal
_Category: How to top up your account_
1. Log into your PayPal account.
2. Click on the "+" sign in the "Bank Accounts and Cards" section.
3. Select "Add US account" and paste the GrabrFi ACH routing number and your account number.
4. PayPal will send 2 small deposits to your GrabrFi account. Enter it on PayPal to confirm your account.
5. Now is time to make the transfer. In the home, click on“ Transfer founds” and then “Transfer to your bank”
**Frame 6:**
6. Select GrabrFi as recipient, and type the amount you want to transfer
7. The transfer you initiated through PayPal is a standard ACH transfer, which may take 3 to 5 business days to reach your GrabrFi account.
---
Source: https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-deel
# How to top up your GrabrFi account with Deel
_Category: How to top up your account_
Withdrawing your earnings from Deel to GrabrFi is one of the most cost-effective ways to manage your USD. Since GrabrFi provides you with a **US-based checking account**, you can use Deel’s "Local Bank Transfer" (ACH) to receive your funds quickly and with minimal fees.
### **Prerequisites**
- **Verified Deel Account:** Ensure your identity verification is complete on Deel.
- **GrabrFi Account Details:** Have your **Routing Number** and **Account Number** ready. You can find these in the GrabrFi app under the **"Transfers"** tab by selecting **"Receive via ACH."**
### **Step-by-Step Guide**
#### **Step 1: Navigate to Withdrawal Methods**
Log in to your Deel account. In the left-hand sidebar menu, click on the **Finance** icon and select **Withdrawal Methods**.
*Note: Deel recently moved this from "Settings" to the "Finance" section.*
#### **Step 2: Add a New Method**
Click the **Add Method** button. From the list of available options, select **Bank Transfer**.
#### **Step 3: Set the Destination to the United States**
To use GrabrFi's local banking rails, you must select **United States** as the destination country and **USD** as the currency, then select **ACH** as Method option. This ensures the transfer is processed via ACH (local) rather than SWIFT (international), which is much more expensive.
#### **Step 4: Enter Your GrabrFi Details**
Fill in the following details exactly as they appear in your GrabrFi app:
- **Account Type:** Select **Personal** and then **Checking**.
- **Account Number:** Your 12-digit GrabrFi account number.
- **Routing Number:** Your 9-digit ABA/ACH routing number.
- **Full Name:** This **must** match the name on your Deel profile exactly.
- **Address:** You must provide a US billing address linked to your GrabrFi account. You can add a secondary billing address in your account settings (see more about this [here](https://help.grabrfi.com/en/content/i-need-a-u-s-billing-address-to-make-a-purchase-what-can-i-use?ref=is&_q=address)). If you do not reside in the US and do not have an additional US address, you may use Lead Bank’s address: 1801 Main Street, Kansas City, MO 64108, US
#### **Step 5: Verification & Confirmation**
Deel will prompt you to enter a 2FA (Two-Factor Authentication) code sent to your email or authenticator app. Once confirmed, your GrabrFi account is linked!
### **Fees and Processing Times**
| **Transfer Type** | **Fee (Deel)** | **Fee (GrabrFi)** | **ETA** |
| --- | --- | --- | --- |
| **Local ACH Transfer** | $5 USD (Cross-border) | **$0 (Free)** | 1–3 Business Days |
| **Instant Card Transfer** | 2% (Max $15) | **$0 (Free)** | ~15 Seconds |
**Pro Tip:** If you have the global card, you can also use **Instant Card Transfer** on Deel. It is faster (instant) but has a higher Deel fee compared to the flat $5 ACH fee.
### **Common Troubleshooting (Why your transfer might fail)**
1. **Name Mismatch:** Deel requires the name on the bank account to match your Deel profile name. If you use a nickname on Deel but your legal name on GrabrFi, the transfer will be rejected.
2. **Wrong Routing Number:** Ensure you are using the **ACH Routing Number**, not the Domestic Wire or SWIFT number.
3. **Address Verification:** Make sure the billing address you enter is a valid US address and matches the one linked to your GrabrFi account. If the address does not match, the transfer may be rejected. If you do not have a US address, you can use Lead Bank’s address as your billing address.
### **Why use GrabrFi with Deel?**
- **$50 Bonus:** If you are a new GrabrFi user, remember to enter **"DEEL"** as your referral code during signup. If you withdraw at least $2,500 within your first 3 months, you may be eligible for a $50 USD bonus (check current terms in the app).
- **No receiving fees:** Unlike many local banks, GrabrFi does not charge you to receive ACH transfers.
- **Save on FX:** Keep your money in USD and avoid the 2-5% currency conversion spread charged by local banks.
- **Easy Access:** Spend your Deel earnings immediately using the GrabrFi debit card or transfer to your local bank only when the exchange rate is favorable.
---
Source: https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-wise
# How to top up your GrabrFi account with Wise
_Category: Transactions and transfers_
## **If you have a US dollar account with US dollars**
1. On your Wise account, go to the "Payments" tab.
2. Go to your US dollar account and click on "Add a new recipient".
3. Enter your details, GrabrFi's ACH account number, your account number and the amount you want to transfer.
4. Confirm the transfer.
## **If you have other accounts in non-USD currency**
1. Open a US dollar account on Wise.
2. Convert your non-USD currency to the amount in US dollars you want to transfer to GrabrFi.
3. Go to your US dollar account and click on "Add a new recipient".
4. Enter your details, GrabrFi's ACH account number, your account number and the amount you want to transfer.
5. Confirm the transfer.
---
Source: https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-payoneer
# How to top up your GrabrFi account with Payoneer
_Category: How to top up your account_
1. In the main tab of your Payoneer account, go to "Withdraws and Transfers."
2. Select "Add a new bank account" and provide your GrabrFi account details. In the address section, make sure to use the same address you use for GrabrFi. You can [find this here](https://app.grabrfi.com/account/details).
3. Payoneer can take between 30 minutes to 3 days to approve the account.
4. After adding the details, go to the "Withdraw and Transfers" tab and choose "Withdraw to my bank."
5. Select your GrabrFi account, enter the withdrawal amount, and add a note describing the purpose of this transfer such as "Withdrawal of my Payoneer earnings to my US account".
---
Source: https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-local-currency-argentina-brazil-colombia-mexico-and-nigeria
# How to Top Up Your GrabrFi Account with Local Currency (Argentina, Brazil, Colombia, Mexico, and Nigeria)
_Category: How to top up your account_
You can add money in US dollars to your GrabrFi account by paying with local currency in Argentina, Brazil, Colombia, Mexico, and Nigeria. This guide explains how to top up, how long it takes, the limits, and the terms that apply.
### **1. How to make a top up**
1. Open your GrabrFi app or log in through the website
2. Select in your Home screen the **Add money** section.
3. Select **Top up with local currency** for your country.
4. Enter the amount you want to top up, complete the steps shown and make the payment.
5. Once processed, your account balance will be credited in USD.
### **2. How long does it take for the top up to complete?**
Top ups are usually added to your GrabrFi account the same business day after the payment is completed. The exact time depends on your local bank or payment partner.
### **3. Top up limits**
You can review the complete details here:
[Limits for in-app top ups and withdrawals to local currency](https://help.grabrfi.com/en/content/limits-for-in-app-top-ups-and-withdrawals-to-local-currency)
- **Maximum per top-up:** USD 1,000
- **Daily maximum:** USD 1,000
- **Monthly maximum:** USD 15,000
- **Yearly maximum:** USD 180,000
### **4. Supported payment methods**
- **Argentina:**Most Argentinian bank accounts via QR, Modo and Mercado Pago.
- **Colombia:**Most Colombian bank accounts.
- **Brazil:**PIX.
- **Mexico:**Most Mexican bank accounts.
- **Nigeria:** Most Nigerian bank accounts. For security, payments must be made from a bank account under your name. E-wallets including Pocket, Chipper Cash, Lemfi, Renmoney, Flutterwave, and betting websites are not supported for top ups.
### **Important tips**
- **Exchange rate:** The rate shown at the moment of your request applies. It includes taxes and fees. Rates may vary.
- **Payment expiration:** If your local payment is not received on time, the request may be canceled. Refunds will reflect any applicable deductions.
- **Security:** All top-ups must be confirmed through multi-factor authentication (MFA).
- **Availability:** Payment methods may vary by country.
- **Terms:** Please review the full[Terms for in-app top-ups and withdrawals to local currency](https://help.grabrfi.com/en/content/terms-for-in-app-top-ups-and-withdrawals-to-local-currency).
---
Source: https://help.grabrfi.com/en/content/top-up-methods-how-to-add-money-to-your-grabrfi-account
# Top up methods: How to add money to your GrabrFi account
_Category: Transactions and transfers_
Adding money to [your accoun](https://app.grabrfi.com/home)t is quick, secure, and tailored to your country’s top-up methods. Follow these steps to fund your account and start enjoying all the benefits of your GrabrFi account.
If you didn’t sign up yet, [click here](https://app.grabrfi.com/sign-up)
[Login in your GrabrFi account](https://app.grabrfi.com/login) and go to the [“transfer](https://app.grabrfi.com/transfers)” tab to see the options available for your country
## **Top-Up Options for all countries**
### Free and low-cost options
1. Receive direct deposits from an employer or client with an ACH bank transfer: free
2. Receive an instant transfer from another GrabrFi customer: free
3. Add your GrabrFi account on another platform (Deel, Payoneer and more) and withdraw your earnings: free on GrabrFi's side
### Paid options
1. Top up with [local currency](https://app.grabrfi.com/transfers/local-top-ups/add) with a bank transfer (available in Argentina)
2. Add money with an international SWIFT transfer
*The exchange rate is updated automatically in real-time and can change many times during the day based on the mid-market rate.*
If you need extra support, don’t hesitate to [contact our team](https://app.grabrfi.com/support)
## **Step-by-step guide per method -Free and low-cost options**
### 1. Receive direct deposits from an employer or client with a ACH bank transfer: free
Receiving salary from your employer or payment from your client? Here is an easy way to top up your grabrfi account with ACH transfers
**FEES AND LIMITS:**
-Receive incoming ACH transfers is FREE.
**-**Returned ACH transfers: A fixed $1 USD fee
**Outgoing same-day ACH transfer fee.**
0.3% of the transfer amount
Minimum fee: $1 USD
Maximum fee: $5 USD
**ACH transfers**
1. Login to your GrabrFi account and click on the “transfers” tab.
2. Share details for them for easy direct deposit via ACH: Open your GrabrFi app and Select "ACH transfer" as the type of transfer you want to make, a new tab will open with all the information your client/company/person will need in order to send you a payment. You can also share it by clicking the share button.
### 2. Receive an instant transfer from another GrabrFi customer: free
Instant transfers feature lets you send money instantly between GrabrFi accounts with zero fees. Safe, secure, and superfast!
#### Step 1: Open the GrabrFi app and go to 'Transfers.'" and click on " “between GrabrFi users”
#### - Step 2: Click on “from another GrabrFi user”
#### Copy your GrabrFi $name or share your profile to the sender by clicking the share button, and that’s about it.
There are no receiving limits with instant transfers.
### 3. Add your GrabrFi account on another platform (Deel, Payoneer and more) and withdraw your earnings: free on GrabrFi's side
#### **PayPal**
View our step-by-step guide to [top up you account with paypal](https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-with-paypal)
#### **Deel**
View our step-by-step guide to [top up your account with Deel](https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-deel)
#### **Wise**
View our step-by-step guide to [top up your account with wise](https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-wise)
#### **Payoneer**
View our step-by-step guide to [top up your account with payoneer](https://help.grabrfi.com/en/content/how-to-top-up-your-grabrfi-account-with-payoneer)
## **Step-by-step guide per method - Paid options**
### 1. Top up with [local currency](https://app.grabrfi.com/transfers/local-top-ups/add) via bank transfer (available only in Argentina and Brazil)
You can now top up your GrabrFi account using your local currency from several countries. Depending on your location, you can add funds using:
- ARS (Argentine Pesos)
- COP (Colombian Pesos)
- MXN (Mexican Pesos)
- BRL (Brazilian Reais)
- NGN (Nigerian Naira)
- Coming soon: PEN (Peruvian Soles) and BOB (Bolivianos)
**Steps to top up:**
- Log in to your account and click on the “transfers” tab
- Select "Add with local currency" and choose your country/currency
- **If you're from Argentina:** Enter your CUIL
- Select the amount you want to top up and press “Continue”
A QR code will be generated so you can pay and you'll be able to see the conversion rate before paying.
Enter your mobile banking app and scan the code in order to pay
**Santander home banking example:**
In the Home Screen you’ll find a button that says “ pay with QR code”, click there and scan the code GrabrFi provided you, select the account you want to pay with and proceed with the payment.
### 2. Add money with an international SWIFT transfer
Incoming SWIFT transfers allow for the deposit of funds from accounts outside the US. However, similar to domestic wire transfers, they have the following restrictions:
- Allowed Accounts: You can receive funds from personal accounts that you own, and business accounts related to services provided, work, or payroll. Third-party transfers are not accepted for depositing funds into your account.
You can receive a SWIFT [transfer](https://app.grabrfi.com/transfers) from:
- An employer or client that's sending you a payment from their business account
- Another personal account you own, allowing you to transfer money between your own accounts
Ensure that the accounts used for these types of transactions meet the aforementioned requirements; otherwise, the payment could be returned to the originating account.
Select “receive money’’ ( bank transfer) and click on the first option “SWIFT transfer”
********
****
A new tab will open. [This is the information](https://app.grabrfi.com/home/account-details) the sender will need in order to send you a payment. Also they will send to fill a form.
****
[**¿How to fill out the swift form for successful incoming transactions?**](https://help.grabrfi.com/en/content/how-to-fill-out-the-swift-form-for-successful-incoming-transfers)****
### **3. With USD via instant transfer from other GrabrFi users**
Instant transfers feature lets you send money instantly between GrabrFi accounts with zero fees. Safe, secure, and superfast!
#### Step 1: Open the GrabrFi app and go to 'Transfers.'" and click on " “between GrabrFi users”
#### Step 2: Click on “from another GrabrFi user”
Copy your GrabrFi $name or share your profile to the sender by clicking the share button, and that’s about it.
There are no receiving limits with instant transfers.
If you need more help, please contact our support team
---
Source: https://help.grabrfi.com/en/content/what-are-the-fees-to-withdraw-earnings-from-platforms-to-your-grabrfi-account
# What are the fees to withdraw earnings from platforms to your GrabrFi account?
_Category: Transactions and transfers_
You can withdraw your earnings in US dollars from platforms to your GrabrFi account without currency conversion.
**Most platforms offer direct bank transfers for free.** On GrabrFi's side, we do not charge for incoming ACH bank transfers. Here are the fees for some popular platforms.
**Wise**
$0.39 USD fixed fee (regardless of amount) to withdraw from your Wise US dollar account to GrabrFi
If you have money in other currencies on Wise, you can convert it to US dollars and withdraw it to your GrabrFi account. Wise charges a low fee for conversions that varies depending on the currencies, you'll see it before agreeing to proceed.
**Deel**
Cross-Border Withdrawals: $5 USD
Learn more: [https://help.letsdeel.com/hc/en-gb/articles/7338494928913-How-Contractors-Can-Withdraw-Money-From-Deel](https://help.letsdeel.com/hc/en-gb/articles/7338494928913-How-Contractors-Can-Withdraw-Money-From-Deel)
**Payoneer**
USD to USD withdrawal: 1.50 USD
Note: Your billing address on Payoneer has to be a US address for the $1.5 USD payout fee to apply. Otherwise, Payoneer charges a fee of up to 2% of the payout amount.
Learn more: [https://www.payoneer.com/about/fees/](https://www.payoneer.com/about/fees/)
**Airbnb**
Bank transfer in USD ($): no fees
Note: You may have to change your listing(s) to US dollars and add a new payout method in US dollars.
Learn more: [https://www.airbnb.com/help/article/425](https://www.airbnb.com/help/article/425)
Here's a [step by step guide](https://help.grabrfi.com/en/content/how-to-set-up-your-grabrfi-account-on-airbnb-to-receive-payments) about how to add your GrabrFi account to Airbnb.
**Stripe**
Payout to bank account: no fee
Note: you may have to change the currency for your product or service to US dollars.
Learn more: [https://stripe.com/docs/payouts](https://stripe.com/docs/payouts)
**PayPal**
Bank account: no fee (when no currency conversion is involved)
Learn more: [https://www.paypal.com/us/webapps/mpp/paypal-fees#TransfersOutOfPayPal](https://www.paypal.com/us/webapps/mpp/paypal-fees#TransfersOutOfPayPal)
---
Source: https://help.grabrfi.com/en/content/why-was-my-grabrfi-card-declined
# Why was my GrabrFi card declined?
_Category: Global Card_
If your card payment is declined, we'll let you know the reason in our app. Just go to your transactions and click on the payment to see why it didn't go through.
Card Transaction Failure Reasons
However, sometimes we may not have the specific reason if it was declined by the merchant. In that case, it's best to reach out to the merchant directly for more information about why the payment was unsuccessful.
Here are some of the most common reasons why your card might be declined:
1. **Insufficient balance.** Please note that we process all transactions in USD, so if your transaction is initiated in a different currency, you should take into consideration the foreign exchange fees (FX fees). The full amount of the declined/successful transaction in USD will be available in your transactions on our app.
2. **You've reached your spending limit.** You can find detailed information about daily card spending limits[here](https://help.grabrfi.com/en/content/spending-and-withdrawals-limits-for-my-mastercard?ref=search) or in your[Card Holder Agreement](https://app.grabrfi.com/more).
3. **You've used the wrong billing address.** When making online payments with your GrabrFi card, be sure to use the address assigned to your card. You can find this address in the [card details](https://app.grabrfi.com/home/cards/main) section of your GrabrFi app. If you need to provide a ZIP code, please check our[article](https://help.grabrfi.com/en/content/i-need-a-u-s-billing-address-to-make-a-purchase-what-can-i-use) on this topic.
4. **Technical problems.** There might have been some connectivity issues between us and the merchant. If this happens, try deleting your card details from their website and making the payment again. If it does not help, please contact merchant support.
5. **It's a type of transaction we don’t support.** Sometimes our card isn't compatible with the merchant's payment platform. You might need to pay with a different card if this happens.
6. **Transaction being blocked.** Sometimes we’ll block a transaction for security reasons, mostly related to the transactions where the card is not presented. To avoid potential blockage, please ask the merchant to pre-authorize such a transaction instead of a direct charge. Another option is to make payment with card presence like card payments with point of sale (POS) terminal and card chip (card PIN needs to be[set up](https://help.grabrfi.com/en/content/how-can-i-set-up-update-a-card-pin) beforehand) or use a card added to Google/Apple Pay.
7. **You’re trying to spend in a country where your card won’t work.** Unfortunately, you can’t use your debit card everywhere at the moment. Please check our list of[countries where card usage is restricted](https://help.grabrfi.com/en/content/list-of-countries-where-the-usd-debit-card-does-not-work).
8. **Your card is blocked.** You can quickly unblock it from the app by tapping on Card and then Unblock. More info you can find[here](https://help.grabrfi.com/en/content/how-can-i-activate-block-the-card).
---
Source: https://help.grabrfi.com/en/content/how-to-withdraw-money-from-your-grabrfi-account-step-by-step-guide-for-each-method
# How to withdraw money from your GrabrFi account: step by step guide for each method
_Category: Transactions and transfers_
Looking to withdraw money from GrabrFi? You have several options. Here are the steps for each method.
## Withdraw with local currency via bank transfer
You can now withdraw money from your GrabrFi account directly to your local bank account in your currency. Depending on your location, you can withdraw funds in:
- ARS (Argentine Pesos)
- COP (Colombian Pesos)
- MXN (Mexican Pesos)
- BRL (Brazilian Reais)
- NGN (Nigerian Naira)
- PEN (Peruvian Soles)
- BOB (Bolivianos)
- UYU (Uruguay pesos)
Steps to withdraw:
1. Log in to your GrabrFi account and go to the “Transfers” tab
2. Select "Withdraw to local currency" and choose your country/currency
3. Enter the amount you want to withdraw
4. Confirm your local bank account details
5. Review the conversion rate and applicable fees
6. Confirm the transaction
The exchange rate is automatically updated in real time and may change several times a day according to the mid-market rate.
## Withdraw by sending a transfer to another account you own
It’s easy to navigate your GrabrFi app to make a transfer in seconds to your clients, partners or loved ones. To do so, follow these steps:
- Log in to the application and click on ‘Home’
- Click on ‘Transfer’ and select the type of transfer you’d like to make, the options are:
**ACH transfers (US only)**[View our step by step guide](https://help.grabrfi.com/en/content/how-can-i-make-an-outgoing-transfer?ref=search)
**Domestic wire transfers (US only)**[View our step by step guide](https://help.grabrfi.com/en/content/how-can-i-make-an-outgoing-transfer?ref=search)
## **How to withdraw to local currency via third party platforms**
Note: third party platforms have their own processing timeframes and transfer fees. Our detailed guide for each platform will give you more info.
**Wise**View our step by step guide to [withdraw to local currency using Wise here](https://help.grabrfi.com/en/content/how-to-use-wise-to-affordably-withdraw-to-local-currency).
**Remitly**View our step by step guide to [withdraw to local currency using Remitly here](https://help.grabrfi.com/en/content/how-to-use-remitly-to-affordably-withdraw-to-local-currency).
## **How to withdraw by paying for group activities and getting paid back**
Doing an activity with friends, family and other people such as going out to eat? You can offer to pay for the entire bill with your GrabrFi card and ask everyone to pay you back their share with cash or another method.
If you're paying in non-USD currency, an excellent mid-market conversion rate applies.
When the others pay you back, this money is in essence an amount you've withdrawn from your GrabrFi balance, with minimal fees and at a great conversion rate.
##
---
Source: https://help.grabrfi.com/en/content/how-to-withdraw-by-paying-for-group-activities-and-getting-paid-back
# How to withdraw by paying for group activities and getting paid back
Doing an activity with friends, family and other people such as going out to eat? You can offer to pay for the entire bill with your GrabrFi card and ask everyone to pay you back their share with cash or another method.
If you're paying in non-USD currency, an excellent mid-market conversion rate applies.
When the others pay you back, this money is in essence an amount you've withdrawn from your GrabrFi balance, with minimal fees and at a great conversion rate.
---
Source: https://help.grabrfi.com/en/content/account-security-mandatory-2fa-to-login
# Account security: mandatory 2FA to login
To protect your account and keep it safe, we have made it mandatory for all customers to enter a two-factor authentication code to login. It'll be sent via SMS to your phone number.
We understand that under some circumstances, it can be hard to receive a code via SMS and we're exploring more options for multi-factor authentication such as authentication apps, passkeys, recovery codes and more.
Stay tuned for updates!
Multi-factor authentication code to login
---
Source: https://help.grabrfi.com/en/content/updated-in-app-support-section
# Updated in-app support section
_Category: Product updates_
Date: Oct 18th, 2024
We released a new version of the support section within our app.
What's new:
- Newly designed page with all of our help article categories, so you can easily find what you're looking for
- Search through all of our help articles right inside the app
- Check out trending articles based on what other customers are looking for
Help article topics | Search for an article | Trending articles
---
Source: https://help.grabrfi.com/en/content/easily-delete-transfer-recipients
# Easily delete transfer recipients
Date: July 25th, 2023
Now you can easily delete transfer recipients!
**iOS app**
Just swipe left to delete a transfer recipient from your list.
**Android app and website**
Just click the three dots above the list, select the recipient you want to delete and click "Delete recipient".
How to delete a transfer recipient
Thanks for giving us your feedback, we hope this makes your life easier!
---
Source: https://help.grabrfi.com/en/content/newly-added-error-messages-for-card-purchases-and-transfers
# Error messages for card purchases and transfers
When a card purchase or transfer cannot be completed, you will see a message explaining what happened and, where possible, how to fix it. This helps you understand the reason right away and take the next step.
**Card purchase error messages**
- **Incorrect PIN:** The purchase failed due to an incorrect PIN code. Please enter it again or try tapping with your card to pay (if the terminal lets you).
- **Card Inactive:** Your card was inactive while the purchase was being processed.
- **Incorrect CVV:** The purchased was canceled due to an incorrect CVV (3-digit code). Please enter it again.
- **AVS Mismatch:** The purchase was canceled and refunded because the billing address you entered does not match the billing address on your GrabrFi account. Sometimes you can bypass this issue by using Apple Pay or Google Pay to pay.
- **Terminal Error:** The purchase was canceled and refunded due to a processing error on the merchant's side. Please try again or ask the merchant if they have another terminal you can use.
- **Customer Cancellation:** You canceled this purchase and the amount has been refunded to your GrabrFi balance.
- **Expiration of Pre-authorization:** The merchant did not proceed with the charge and the amount was refunded to your GrabrFi balance. This is common with security deposits.
**Transfer error messages**
- **Invalid Account:** The transfer was returned because the system couldn't find an account with the recipient's details. Please double check these details and try again. For incoming transfers, make sure you or your sender enters your full name on GrabrFi.
- **Account Closed:** The transfer was returned because your account was closed.
**Error messages for both card purchases and transfers**
- **Transaction Blocked:** The transaction failed because it exceeded your outgoing transfer or spending limits. Here are the [outgoing transfer limits](https://help.grabrfi.com/en/content/account-transfer-limits) and [spending limits](https://help.grabrfi.com/en/content/spending-and-withdrawals-limits-for-my-mastercard).
- **Insufficient Funds:** Your account balance was not enough to cover the transaction amount at the time it was processed.
---
Source: https://help.grabrfi.com/en/content/non-usd-card-payment-see-the-amount-in-the-original-currency-and-the-exchange-rate
# Non-USD card payment: see the amount in the original currency and the exchange rate
_Category: Product updates_
Date: August 9th, 2023
Made a non-USD payment? Now you can see the amount in original currency when you're viewing your list of transactions and when you're viewing a specific transaction. You'll also see the exchange rate that Mastercard applied.
For example, if you make a purchase in euros, in addition to the amount that was charged in US dollars, now you'll see the amount in euros (original currency) and the exchange rate that was applied.
Mastercard uses the mid-market exchange rate for most currency pairs. For purchases in Argentine pesos, Mastercard uses a rate that is approximately 7% below the MEP rate.
**Note**
The exchange rate is finalized when the transaction is settled which can take up to 7 days depending on the merchant and service provider. Exchange rates can fluctuate between the time of payment and when it settles.
Original currency and amount of card transaction
This feature will be rolled out across all platforms within the coming days. To make sure you receive all our new updates and improvements, remember to keep your [iOS](https://apps.apple.com/app/grabrfi/)or [Android](https://play.google.com/store/apps/details?id=com.grabrfi) app up to date.
---
Source: https://help.grabrfi.com/en/content/account-security-you-re-notified-of-every-login-from-a-new-device
# Account security: you're notified of every login from a new device
At GrabrFi, protecting your account is very important to us. To enhance security, we added a feature that lets you know in real-time about logins to your account.
Starting August 9, 2023, every time a new devices logs into your GrabrFi account, you'll receive an email notification with the exact time it happened, IP address, platform and device details.
If you see a login you don't recognize and haven't authorized, please reset your password immediately. If you need help, you can reach out to our support team anytime.
Thank you for choosing GrabrFi for your financial needs. We are continually improving our security features to keep your account safe.
---
Source: https://help.grabrfi.com/en/content/in-app-customer-support
# In-app customer support
_Category: Product updates_
Date: September 26th, 2023
We know how important customer service is, especially in banking, and we have taken several steps to serve you better. We have onboarded a few new support specialists to help you, reduced our reply time back to 24 hours and are always listening to your feedback about how we can improve.
One of your feedback was, since we were offering support only through email, it could be hard to see some messages and they might be missed. We heard you and worked hard to integrate support in-app.
Now you can directly reach out to support on GrabrFi, receive updates from us and review your previous tickets.
To create a new request, simply click on "Support" and the "+" button at the top right corner of the screen.
New: reach out directly to support in-app
**The in-app support request form includes:**
- Request type
- Subject
- Description
- Image and file upload
So you can share all the details about your issue or question for us to help you faster.
The new support request form
You'll receive updates from support directly in-app and push notifications (if you have it enabled) about it so you don't miss important messages.
Chat with support
**Upcoming feature: chat with support**
Soon, we'll be launching a new chat feature, starting with iOS. Remember to keep your iOS and Android app up-to-date to enjoy all of our new features 🙂
---
Source: https://help.grabrfi.com/en/content/now-instant-buying-dollars-to-top-up-your-account
# Now instant: buying dollars to top up your account
_Category: Product updates_
Exciting news! Now you can buy dollars with local currency to top up your GrabrFi account and receive a payment link instantly.
You'll be able to see the exchange rate before requesting a top-up and it's locked in after you click "Continue". The amount you pay includes all fees and taxes.
Our team will review and process your top-ups within 30 minutes of payment confirmation.
Instant top-ups in local currency are available:
- In Argentina and Brazil
- With top-ups under a certain amount
- Depending on the payment method you choose (some methods can take up to 2 business days for the payment to be processed)
**Argentina**
You can top up with Argentine pesos using Transferencia 3.0. Transferencia 3.0 can be used with any banking app that reads QR, including MercadoPago and MODO.
Top ups with Transferencia 3.0
**Brazil**
You can use PIX to top up with reais and it's processed almost instantly.
Top-ups with PIX
We are working to increase the limits for instant top-ups, expand local currency top-ups to more countries and give you more ways to easily add money to your GrabrFi account.
As always, remember to keep your app up-to-date to enjoy all of our new features.
---
Source: https://help.grabrfi.com/en/content/add-your-grabrfi-card-to-google-pay-in-a-few-taps
# Add your GrabrFi card to Google Pay in a few taps
_Category: Product updates_
You can add your global card to Google Pay in just a few taps, no need to enter your card details manually.
**How to add your card to Google Pay**
1. Make sure you are using the latest version of our Android app.
2. Open the home screen and tap your card.
3. Tap "Add to GPay" and you are done.
Add your GrabrFi card to Google Pay in a few taps
**
Note: Google Pay is not available in Bolivia or Nigeria.
**Convenient and safe**
Use your card online and in stores with your phone or smartwatch, anywhere Visa is accepted.
Google Pay is available in most supported countries, except Bolivia and Nigeria. If a place lets you tap to pay with a card, it will work to tap to pay with your phone or smartwatch.
Google Pay is safe. Your card details are not stored on Google’s servers and are not shared with merchants.
The global card charges a foreign transaction fee based on where the merchant is located: no fee (0%) for purchases in the United States, and a 1.5% fee for purchases outside the United States.
Pay with GrabrFi card in-store with your phone
We're committed to giving you a seamless and cutting edge banking experience 😊 Stay tuned, several exciting features are coming up next!
---
Source: https://help.grabrfi.com/en/content/limits-for-in-app-top-ups-and-withdrawals-to-local-currency
# Limits for in-app top ups and withdrawals to local currency
_Category: Transactions and transfers_
In Argentina, Bolivia, Brazil, Colombia, Mexico, Nigeria, Peru and Uruguay you can top up your GrabrFi account with local currency and make withdrawals from U.S. dollars to local currency through the app (either mobile or website) for a hassle-free banking experience. Here are some limits to keep in mind.
**In-app top up with local currency limits**
- Maximum amount for each top up: $2,000.00 USD
- Daily maximum amount: $2,000.00 USD
- Monthly maximum amount: $15,000.00 USD
- Yearly maximum amount: $180,000.00 USD
**In-app withdraw to local currency limits**
- Maximum amount for each withdrawal: $5,000.00 USD
- Daily maximum amount : $5,000.00 USD
- Monthly maximum amount: $20,000.00 USD
- Yearly maximum amount: $180,000.00 USD
For more information, learn more about our terms for in-app top ups and withdrawals to local currency [here](https://help.grabrfi.com/en/content/terms-for-in-app-top-ups-and-withdrawals-to-local-currency).
---
Source: https://help.grabrfi.com/en/content/terms-for-in-app-top-ups-and-withdrawals-to-local-currency
# Terms for in-app top ups and withdrawals to local currency
_Category: Legal_
#### **General terms**
These Terms for In-App Top-Ups and Withdrawals to Local Currency (the “Terms”) explain how you can (i) load funds into your account via in-app top-ups (“Top-Ups”) and (ii) withdraw funds to your local currency (“Withdrawals”). These Terms are part of and subject to our main Terms of Service. By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
**Definitions**
- **Account**: Refers to your user account with us.
- **Services**: The in-app features, including Top-Ups and Withdrawals, that allow you to deposit and withdraw funds to and from your Account.
- **Partners**: Third-party service providers and local financial institutions that we use to facilitate Top-Ups and Withdrawals.
- **Local Currency**: The currency of the country in which you receive funds upon Withdrawal.
**Using the services**
You may Top-Up your Account by adding funds through the methods we make available from time to time. You may also withdraw funds from your Account to an external bank account, local e-wallet, or other permitted destination (collectively “Withdrawal Methods”).
We do not guarantee that any particular Top-Up or Withdrawal Method will always be available to you. The availability of these methods may vary based on your location, applicable law, and our agreements with Partners.
We may require you to submit certain personal information for identity verification, fraud prevention, or other compliance checks. You agree to provide accurate information and promptly update it if it changes.
For account security, in-app top ups and withdrawals must be confirmed by multi-factor authentication.
**Unsupported countries**
Due to regulatory and compliance reasons, we are unable to offer in-app top ups and withdrawals to local currency in these following countries:
| Afghanistan | Gibraltar | Myanmar (formerly Burma) | Sudan |
| --- | --- | --- | --- |
| Albania | Guinea-Bissau | North Korea | Syria |
| Barbados | Haiti | Pakistan | Tanzania |
| Belarus | Iran | Panama | Turkey |
| Burkina Faso | Iraq | Philippines | Uganda |
| Cayman Islands | Jamaica | Russia | Ukraine |
| Crimea (region) | Jordan | Senegal | Venezuela |
| Cuba | Libya | Serbia | Yemen |
| Democratic Republic of Congo | Mali | Somalia | |
| Eritrea | Mozambique | South Sudan | |
If you are in one of these countries, you can still use bank transfers and third party platforms to top up your GrabrFi account or withdraw to local currency.
We reserve the right to modify this list in the future if needed.
#### **Terms for in-app top ups to your GrabrFi account**
**Accepted Payment Methods**
We use various Partners to offer a range of payment methods you can use to Top-Up your Account (e.g., local bank transfers, credit or debit cards, etc.). The available methods may depend on your location and are subject to change.
**Fees for Top-Ups**
Certain fees may apply to your Top-Up transactions, as described in our [**Schedule of Fees**](https://grabrfi.helpcenter.io/en/content/full-schedule-of-fees). By initiating a Top-Up, you agree to review and accept any fees that apply.
**Top-up limits**
Top-Up amounts may be subject to minimum or maximum limits, which we may set or modify at our discretion. Please refer to our [**separate article on limits**](https://grabrfi.helpcenter.io/en/content/account-transfer-limits) for more information on these limits. If we adjust the limits, we will notify you before you complete a Top-Up, where practicable.
**Processing Times**
Top-Ups are typically processed within timelines established by our Partners, though actual processing durations may vary.
**Currency conversion**
Our payment provider will convert the local currency you paid to US dollars at the exchange rate shown to you in advance. This rate includes all applicable fees and taxes.
We do not guarantee any specific exchange rate and disclaim liability for any losses arising from currency fluctuations or differences between quoted and actual exchange rates.
**Payment expiration**
Due to possible changes in the exchange rate, payments in local currency must be received before a certain time or they may be cancelled. If this happens, you'll receive a refund minus any fees.
#### **Terms for withdrawals to local currency**
**General**
You may withdraw funds from your Account to supported local bank accounts, local wallets, or other permitted endpoints, subject to these Terms.
**Withdrawal Limits**
Different limits may apply based on your location or transaction volume. For the most current information, please see our [**separate article on limits**](https://grabrfi.helpcenter.io/en/content/account-transfer-limits). We reserve the right to change these limits or impose new limits at any time.
**Fees for Withdrawals**
Withdrawal fees are outlined in our [**Schedule of Fees**](https://grabrfi.helpcenter.io/en/content/full-schedule-of-fees). By initiating a Withdrawal, you agree to review and accept any fees that apply.
**Currency Conversion**
When you initiate a withdrawal in a currency different from USD, the funds may be subject to a currency conversion performed by our Partners. They will convert the amount you paid in US dollars to local currency at the exchange rate shown to you in advance. This rate includes all taxes and fees.
We do not guarantee any specific exchange rate and disclaim liability for any losses arising from currency fluctuations or differences between quoted and actual exchange rates.
**Processing Times**
We will process Withdrawal requests as quickly as possible, but processing times can vary depending on the destination country, currency, and our Partners’ operational times.
**Additional Requirements**
You may be required to provide documentation or complete certain compliance checks, depending on the amount or frequency of your Withdrawal requests.
**Withdrawals rejected by the receiving bank**
Customers are responsible for entering bank details correctly. If a withdrawal is sent and rejected by the receiving bank, you'll receive a refund of the amount you paid in US dollars, minus the withdrawal fee.
**How withdrawals work**
When you initiate a withdrawal, the amount in US dollars will be transferred from your GrabrFi account to our platform account, to be processed and converted by our payment provider.
**Exchange rate for currency conversion**
Our payment processor will convert the amount you paid in US dollars to local currency at the exchange rate shown to you in advance. This rate includes all taxes and fees.
#### **Your obligations**
**Compliance**
You must comply with all applicable laws and regulations, including anti-money laundering (AML) and counter-terrorism financing (CTF) laws. Any use of the Services for illegal activities is strictly prohibited.
**Accurate Information**
All personal details, financial information, and supporting documents you provide must be accurate and up to date. You are solely responsible for any consequences resulting from your submission of incorrect or false information.
**Sufficient Funds**
You must ensure that you have sufficient available funds in your Account to cover the amount of any requested Withdrawal, as well as any applicable fees. If you do not have sufficient funds, the Withdrawal will be declined.
#### **Our rights and responsibilities**
**Right to Refuse or Limit Transactions**
We may refuse, cancel, or impose limits on any Top-Up or Withdrawal transaction if we suspect fraudulent activities, violations of these Terms, or any other legitimate reason.
**Changes to the Services**
We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice, subject to applicable law. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.
#### **In-app top ups and withdrawals business sector prohibitions**
GrabrFi is unable to process in-app top ups, withdrawals and payments related to any of the business sectors listed below:
- Adult content, including, but not limited to, pornographic goods and services, activities related to adult entertainment, or escort and/or dating services. In particular, products and services involving minors, violence, humiliation, BDSM, zoophilia.
- Chemical products, including the supply, sale or distribution of chemical products.
- Pharmaceuticals and/or medications/drugs, including the facilitation, sale or distribution of general medications and prescription drugs.
- Dietary supplements, including the facilitation, sale, or distribution of dietary supplements.
- Activities related to illegal drugs and/or substances designed to mimic illegal drugs (including herbal smoking blends and herbal incense).
- Activities related to marijuana and/or hallucinogenic mushrooms, including the creation, facilitation, sale or distribution of these products or paraphernalia, regardless of whether or not such sale is legal in the jurisdiction in which the client operates or in its jurisdiction.
- Alcoholic beverages, including the facilitation, sale, or distribution of alcoholic beverages.
- Tobacco products and electronic cigarettes, including the facilitation, sale, or distribution of tobacco products.
- Weapons, including the facilitation, sale or distribution of firearms, ammunition or other weapons, military or semi-military goods.
- Activities related to foreign governments.
- Unregulated or inadequately licensed financial services (e.g. financial institutions, money services businesses, money transfers, stock trading, currency traders, etc.) - Financial services with an inadequate AML/CFT system.
- Binary Options.
- Cryptocurrencies or digital assets, including companies that facilitate the creation, sale, distribution, custody or exchange of cryptocurrencies or digital assets.
- Gambling activities (casinos, gambling establishments, lotteries, online gambling).
- Precious metals or precious stones, including the facilitation, sale, distribution or exchange of jewelry, precious metals or stones.
- Fortune tellers, tarot readers, horoscope readers and psychics.
- Merchants involved in any form of deceptive marketing practices, including but not limited to hidden disclosures, false claims, refund/cancellation evasion.
- Telemarketing or multi-level marketing activities, pyramid selling or Ponzi schemes and any other "get rich quick" schemes.
- Activities related to violence, including the creation, facilitation, sale, or distribution of any material promoting violence, hatred, racism, or religious persecution.
- Goods or services that infringe upon the intellectual property rights of third parties, as well as illegal telecommunications devices (cable or satellite TV decoders).
- Merchants who cross-sell other merchants' products and then share cardholder data with the third party or receive cardholder data from third parties.
- Merchants engaging in any type of activity prohibited by the card brands.
- Illegal activities of any kind.
---
Source: https://help.grabrfi.com/en/content/how-us-banking-holidays-affect-transfer-and-transaction-timeframes-Aj29x
# How US banking holidays affect transfer and transaction timeframes
_Category: Transactions and transfers_
### **How do US bank holidays affect my transfers and transactions?**
On a US banking holiday, the US banks that process ACH and wire transfers are closed, so a bank transfer may take one more business day to be processed or posted. Stablecoin transfers are not affected, because they run on blockchain networks 24/7, including weekends and holidays.
### **Which holidays are observed by US banks?**
Here is the holiday schedule observed by US banks.
| **Holiday** | **2026** | **2027** | **2028** | **2029** | **2030** |
| --- | --- | --- | --- | --- | --- |
| New Year’s Day | January 1 | January 1 | January 1* | January 1 | January 1 |
| Birthday of Martin Luther King, Jr. | January 19 | January 18 | January 17 | January 15 | January 21 |
| Washington’s Birthday (Presidents’ Day) | February 16 | February 15 | February 21 | February 19 | February 18 |
| Memorial Day | May 25 | May 31 | May 29 | May 28 | May 27 |
| Juneteenth | June 19 | June 19* | June 19 | June 19 | June 19 |
| Independence Day | July 4* | July 4** | July 4 | July 4 | July 4 |
| Labor Day | September 7 | September 6 | September 4 | September 3 | September 2 |
| Columbus Day | October 12 | October 11 | October 9 | October 8 | October 14 |
| Veterans Day | November 11 | November 11 | November 11* | November 11** | November 11 |
| Thanksgiving Day | November 26 | November 25 | November 23 | November 22 | November 28 |
| Christmas Day | December 25 | December 25* | December 25 | December 25 | December 25 |
*For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday.
**For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday.
See more details in [https://www.frbservices.org/about/holiday-schedules](https://www.frbservices.org/about/holiday-schedules)
### **How should I plan my transfers around US bank holidays?**
If you are planning a time-sensitive bank transfer (ACH or wire), check the US holiday schedule in advance. If a holiday is coming up, allow for an extra business day when deciding when to send, or when to ask your sender to send. Stablecoin transfers do not need this planning, since they are processed any day of the week.
### **Are all types of transfers affected by US banking holidays?**
No. Bank transfers (ACH and wire) are affected, because they depend on US banks that close on holidays. Stablecoin transfers are not affected and are processed 24/7, including weekends and US holidays.
---
Source: https://help.grabrfi.com/en/content/e-sign-consent-disclosure
# E-Sign consent disclosure
_Category: Legal_
**Statement of Electronic Disclosure:**
In order to electronically review and retrieve the documents related to your account(s) with GrabrFi (project of Grabr Inc.) and delivered to you in connection with this request for consent (Documents), you will first need to review and accept this consent form.
With your consent, GrabrFi can deliver the Documents and other disclosures and contracts related to your account(s) to you by displaying or delivering them electronically, and requesting that you print or download them and retain them for your records.
**This notice contains important information that you are entitled to receive before you consent to electronic records and electronic signatures in connection with your account(s) at GrabrFi. Please read this notice carefully and print or download a copy for your files.**
After you have read this information, if you agree to receive and accept the Documents from GrabrFi electronically, and if you agree to general use of electronic records and electronic signatures in connection with your account(s) at GrabrFi, please acknowledge your acceptance of this consent by checking the box before you are able to continue with your application. In doing so, you are providing your affirmative consent to use electronic communications. By checking the box, you are also confirming that you meet the system requirements described below, that you have demonstrated your ability to receive, retain, and view electronic documents on your access device, and that you have a current email address.
**You have the right to change back to non-electronic delivery of statements**. We do not offer a non-electronic delivery of statements. If you choose this option, you agree that your account(s) will be closed, and existing balance(s) will be returned to you.
You agree to print out or download the Documents when we advise you to do so and keep them for your records. If you have any trouble printing or downloading any of the Documents, you may contact us by telephone at [+1 (929) 203-5972](tel:+19292035972) (check [help.grabrfi.com](http://help.grabrfi.com) for local phone numbers) or by email at [support@grabrfi.com](mailto:support@grabrfi.com).
If you wish to change your notification email address, you may do so within the mobile or web app by logging in to your account through our website/application, going to the "More" section, selecting "Profile & Settings", adding a new address, and confirming the change. For assistance, you can email us at [support@grabrfi.com](mailto:support@grabrfi.com).
In order to access the Documents electronically, you must have:
- A personal computer or mobile device capable of accessing the internet using the latest version of browsers.
- We support personal computers, Android and current iOS platforms for both phone and tablets; and Safari, Chrome and Firefox browsers.
- The ability to view and retain Portable Document Format (PDF) files
- An email address
- Either a printer, hard drive or other storage device
You represent that you have the hardware, software, email address and capacities described above, and your ability to read this Consent demonstrates that you have the necessary hardware and software to receive Communications electronically.
Your consent does not mean that the GrabrFi must provide all Documents related to your account(s) electronically. GrabrFi, at its option, may deliver documents or otherwise communicate with you on paper or via email if it chooses to do so. GrabrFi may also require that certain communications from you be delivered to GrabrFi on paper or via email at a specific address.
I have read the information about the use of electronic records, disclosures, notices, and email, and consent to use of electronic records for the delivery of documents, including disclosures and other notices, in connection with my account(s) at GrabrFi. I have been able to view this information using my computer and software. I have an account with an Internet Service Provider, and I am able to send email and receive emails with hyperlinks to websites and attached files. I also consent to the use of electronic records and electronic signatures in connection with my account(s) to GrabrFi in place of written documents and handwritten signatures.
**IMPORTANT: PLEASE PRINT AND RETAIN THIS CONSENT AND AUTHORIZATION**
[GrabrFi - E-Sign Consent Disclosure.pdf36.77 KB](https://helpcenter-io.s3.amazonaws.com/attachments/grabrfi/8XXw5G2GttjLON6rNZHCuOV8isaWDPOxlfSlZ8io-GrabrFi%20-%20E-Sign%20Consent%20Disclosure.pdf)
---
Source: https://help.grabrfi.com/en/content/consumer-ach-authorization-and-agreement
# Consumer ACH Authorization and Agreement
_Category: Legal_
I acknowledge that the “Transfer Funds” feature allows me to electronically transfer funds via the Automated Clearing House (“ACH”) between my eligible account(s) and my external account(s) at other financial institutions (“External Account(s)”) once I have successfully registered my External Account(s). This includes:
- One-time on-demand transfers, which allow me to initiate multiple, non-recurring, individual transfers based on the transfer date and dollar amount that I request through the Transfer Funds feature of Online and Mobile Banking from time to time;
- Recurring transfers, which allow me to initiate recurring transfers of a set dollar amount at regular intervals that I have established through the Transfer Funds feature of Online and Mobile Banking; and/or
- Other ACH transfer features that GrabrFi may make available.
Subject to the terms of the Transfer Funds feature and the terms of my other agreements with GrabrFi, I hereby authorize GrabrFi to initiate electronic credit/debit entries to my eligible GrabrFi account(s) and each registered External Account indicated previously for (a) various amounts at varying times by making on-demand transfers pursuant to my instructions, and/or (b) fixed amount at the frequency I have selected by making recurring transfers pursuant to my instructions (a “Preauthorized Transfer”). If any transfer date falls on a weekend or bank holiday, I understand and agree that the transfer may be executed on the next business day, or as soon as reasonably possible at the discretion of GrabrFi.
I hereby represent and warrant that I have all necessary right, power and authority to debit and credit my GrabrFi account and any External Account(s) registered, and that all information or instructions that I provide to GrabrFi in relation to any ACH transfer is complete and accurate. I agree that ACH transactions I authorize comply with all applicable law.
Should an incorrect amount be withdrawn from or deposited to my External Account(s) or my GrabrFi account(s), I authorize GrabrFi to correct the error by debiting/crediting my External Account(s) or my GrabrFi account(s).
This authorization is to remain in full force and effect until GrabrFi has received written notification from me of its termination in such a time and in such a manner as to afford GrabrFi a reasonable opportunity to act on it. For Preauthorized Transfers, I understand that it is my responsibility to contact GrabrFi to stop or cancel a Preauthorized Transfer at least three business days prior to the following scheduled payment. In either case, I will send my notice to GrabrFi support:
- Using in-app support;
- By sending an email to [support@grabrfi.com](mailto:support@grabrfi.com).
I acknowledge that the origination of ACH transactions must comply with the provisions of applicable law and the rules of the National Automated Clearing House Association (NACHA). I request the financial institution that holds my External Account(s) to honor all transfers initiated in accordance with this authorization form.
---
Source: https://help.grabrfi.com/en/content/terms-and-conditions-for-the-grabrfi-and-remote-25-usd-bonus-campaign
# Terms and Conditions for the GrabrFi and Remote $25 USD Bonus Campaign
_Category: Legal_
**1. Campaign duration**
The GrabrFi and Remote $25 USD Bonus Campaign begins on 20/11/2023 until it's terminated by GrabrFi.
**2. Participation requirements**
To be eligible for the bonus, you must meet all of these requirements below:
- On the GrabrFi signup page, enter *Remote* as the referral code.
- Add your GrabrFi account on Remote to be able to withdraw your earnings on Remote to GrabrFi.
- Argentina and Brazil: withdraw at least $2500 USD with GrabrFi to your bank account in Argentina or Brazil within 3 months of signup on GrabrFi.
- All other countries: send at least 1 bank transfer to a non-US account (SWIFT transfer) within 3 months of signup on GrabrFi.
**3. Bonus distribution**
Once you meet the requirements, the $25 USD bonus will be added to your GrabrFi account within 30 business days.
**4. Limitations**
****This Campaign offer cannot be combined with any other promotional offers and is limited to one bonus per person. If GrabrFi determines, in its sole discretion, that a customer is abusing the campaign rules, GrabrFi reserves the right to terminate a customer's participation and forfeit any pending bonus.
**5. Withdrawal**
The $25 USD bonus can be withdrawn from your GrabrFi account, and can be used for any transaction on GrabrFi, such as transfers or purchases.
**6. Modification and termination**
GrabrFi reserves the right to modify or terminate the Campaign at any time without prior notice. Any changes to the terms and conditions will be updated on this page.
**7. Disputes**
Any dispute arising out of or in connection with the Campaign shall be governed by the laws of the United States, the jurisdiction where GrabrFi is based.
**8. Indemnification**
By participating in the Campaign, you agree to indemnify and hold harmless GrabrFi and its affiliates, directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the GrabrFi platform, including but not limited to your violation of this Agreement.
By participating in the Campaign, you acknowledge that you have read and agree to be bound by these terms and conditions.
---
Source: https://help.grabrfi.com/en/content/terms-and-conditions-for-the-grabrfi-and-deel-50-usd-bonus-campaign
# Terms and Conditions for the GrabrFi and Deel $50 USD Bonus Campaign
_Category: Legal_
**1. Campaign duration**
The GrabrFi and Deel $50 USD Bonus Campaign begins on 18/07/2023 until it's terminated by GrabrFi.
**2. Participation requirements**
To be eligible for the bonus, you must meet all of these requirements below:
- On the GrabrFi signup page, enter *Deel*as the referral code.
- Add your GrabrFi account on Deel to be able to withdraw your earnings on Deel to GrabrFi.
- Withdraw at least $2500 USD from Deel to GrabrFi within 3 months of signup on GrabrFi.
**3. Bonus distribution**
Once you meet the requirements, the $50 USD bonus will be added to your GrabrFi account within 30 business days.
**4. Limitations**
This Campaign offer cannot be combined with any other promotional offers and is limited to one bonus per person. If GrabrFi determines, in its sole discretion, that a customer is abusing the campaign rules, GrabrFi reserves the right to terminate a customer's participation and forfeit any pending bonus.
**5. Withdrawal**
The $50 USD bonus can be withdrawn from your GrabrFi account, and can be used for any transaction on GrabrFi, such as transfers or purchases.
**6. Modification and termination**
GrabrFi reserves the right to modify or terminate the Campaign at any time without prior notice. Any changes to the terms and conditions will be updated on this page.
**7. Disputes**
Any dispute arising out of or in connection with the Campaign shall be governed by the laws of the United States, the jurisdiction where GrabrFi is based.
**8. Indemnification**
By participating in the Campaign, you agree to indemnify and hold harmless GrabrFi and its affiliates, directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the GrabrFi platform, including but not limited to your violation of this Agreement.
By participating in the Campaign, you acknowledge that you have read and agree to be bound by these terms and conditions.
---
Source: https://help.grabrfi.com/en/content/how-to-successfully-verify-your-identity
# How to successfully verify your identity
_Category: Account settings and personal information_
To comply with US regulations, we have to verify your identity in order to open your global account. We partnered with Persona to securely process your info. Here are some tips to successfully verify your identity.
## Before you start
**Government-issued ID:**
- Have it beside you
- Make sure it's not expired or damaged
**Selfie photo:**
- With your phone or tablet
- If you're on a desktop, follow the instructions to take photos with your phone or tablet
## How to successfully take your ID and selfie photo
Do's:
- Hold steady and let your camera focus
- Lie your ID flat or hold it flat at the edges with your fingers (without covering any details)
- Remove anything covering your face like sunglasses
- Move anything that casts a shadow over your ID
Don'ts:
- Dark or overly bright conditions
- Strong overhead lights casting shadows
## Troubleshooting
**Can't open the identity verification link**
Restart your browser, clear its cache or try a different browser
**Didn't receive the mobile upload link**
If you didn't receive a text message, use the QR code option by selecting "Other options" and then "Barcode link".
**Webcam access on your computer**
Make sure to grant camera permission by clicking on the icon in the address bar. If you're having webcam issues, you can switch to your mobile device by selecting "Other options" and then "Switch to another device".
**When photographing your ID**
Make sure it's well-lit and its details are not covered by any fingers. Lay it on a flat, contrasting surface or hold it down with your fingers.
### Still experiencing issues?
You can reach out to our [support team](mailto:support@grabrfi.com) anytime in-app or on the website, we're happy to help. You can securely upload any files or screenshots on the ticket form.
---
Source: https://help.grabrfi.com/en/content/consumer-checking-account-agreement
# Consumer USD Account Agreement
_Category: Legal_
**
This Account Agreement applied to GrabrFi USD accounts held at Regent Bank, which have been closed. It is not the current GrabrFi agreement and does not apply to the GrabrFi global account. We keep it available so you can review the terms that covered your previous account and any activity on it before it was closed. For the terms in effect today, please see [https://www.bridge.xyz/legal/overview](https://www.bridge.xyz/legal/overview)
Date: October 1, 2026.
**IMPORTANT -- PLEASE READ CAREFULLY. THIS AGREEMENT (AS DEFINED BELOW) CONTAINS AN ARBITRATION PROVISION (IN SECTION L BELOW) REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.**
### A. Introduction; Account Opening Disclosures.
Grabr Inc. ("Platform") is providing this Consumer USD Account Agreement (this "Agreement") to you on behalf of Regent Bank ("Bank"), a member of the Federal Deposit Insurance Corporation ("FDIC"). The Bank is the provider of the USD Account (the "Account"). Bank is also the issuer of the MasterCard® Debit Card ("Card") pursuant to a license by Mastercard International Incorporated. As used in this Agreement the words "we", "our", and "us" refer to Bank, our successors, affiliates, or assignees, and the words "you" and "your" refer to you, the individual, and the Account holder and Card holder, who agrees to be bound by this Agreement, as well as anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account and anyone else that you authorize to use a Card.
If enabled by the Platform, the Card is linked to the Account. Use of the Account and Card is governed by this Agreement. Access to your Account and the services under this Agreement are available only through the website and/or phone application (collectively, the "Platform App") of GrabrFi, the project of Grabr Inc. ("Platform"). Platform is responsible for making the Platform App available to you and as a result, some services under this Agreement may not be available to you. You should review your agreement with Platform for a complete list of services available. For a list of the services enabled and made available to you by the Platform, please visit the Platform App. You may only use the Account and Card for personal, family or household purposes, and we may close the Account and Card if we determine either is being used for business purposes. This Agreement includes the Privacy Policy described in Section C.
Access to your Account and the services offered under this Agreement shall be accessed through the Platform App unless we notify you otherwise. **YOU UNDERSTAND THAT BY OPENING AN ACCOUNT THROUGH THE PLATFORM APP, YOU AUTHORIZE BANK TO ACCEPT ALL INSTRUCTIONS PROVIDED TO BANK BY PLATFORM ON YOUR BEHALF.**
The interest rate and APY is correct as of today’s date, but is subject to change at any time in our discretion, as further described in Section D.
### B. Consent to Use Electronic Signatures, Communications and Statements.
**Introduction**. In order to apply for an Account, you must consent to the use of electronic signatures and electronic records for all transactions with us and for all agreements, disclosures, notices and other Communications (as defined below) relating to those transactions. Once you have given your consent, we may deliver or make any of the documents or Communications available to you by posting them in the Platform App and sending you an email notification when they become available.
**Your Legal Rights**. Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your Account, product or service, subject to applicable law.
**Your Consent to Electronic Signatures**. By accepting this Agreement, you understand that: (i) electronically signing and submitting any document(s) to Bank legally binds you in the same manner as if you had signed in a non-electronic form, and (ii) the electronically-stored copy of your signature, any written instruction or authorization and any other document provided to you by Bank is considered to be a true, accurate and complete record, and legally enforceable in any proceeding to the same extent as if such documents were originally generated and maintained in printed form. By accepting this Agreement, you also acknowledge and agree that you have read, understand and agree to all the terms of this Section B, can access the Communications in electronic form, affirmatively consent to the use of electronic signatures and electronic records, and have an active email account. You agree not to contest the admissibility or enforceability of Bank’s electronically stored copy of this Agreement and any other documents.
**Your Consent to Electronic Communications**. To the fullest extent permitted by law, this Agreement, account statements, notices, legal and rate disclosures for your Account, updates and changes to this Agreement, or other service agreements and other communications (collectively, “Communications”) from us to you regarding your Account(s) and related services with us may be provided to you electronically, and you consent and agree to receive all those communications in an electronic form. Electronic Communications may be posted on the pages within the Platform App and/or delivered to your email address. You may print a paper copy of or download any electronic Communication and retain it for your records. All Communications in electronic format will be considered to be “in writing,” and to have been received on the day of posting, whether or not you have received or retrieved the Communication. We reserve the right to provide Communications in paper format. You may withdraw your consent to electronic Communications by contacting us. A withdrawal of your consent will not become effective until we have received and have had a reasonable period of time to implement it. A withdrawal of your consent does not affect the legal effectiveness, validity or enforceability of any transactions, electronic signatures or electronic records of any Communication entered into, provided or made available before that withdrawal becomes effective. Your consent to receive Communications electronically is valid until your revocation of consent becomes effective. If you revoke your consent to receive Communications electronically, Platform will terminate your right to use the Platform App and we may terminate the Account and related services. You accept all liability for any losses, cost, damages and expenses resulting from such termination to the extent permitted by law.
**Your Review of Communications.** Please review promptly all Communications we deliver or make available to you. If Communications are mailed to you, they will be delivered to you at the postal address shown in our records. If Communications are sent to you electronically, they will be delivered to you at the email address shown in our records or made available to you on the Platform App. We will retain printable versions of your Account statements for seven (7) years or longer periods as may be required by applicable law. You agree to give us and Platform notice of any change of your postal or email address. If you fail to update or change an incorrect email address or other contact information, you understand and agree that any Communication shall nevertheless be deemed to have been provided to you if it was made available to you in electronic form in the Platform App or you were provided email notification of its availability.
**Reporting to You (Statements); Errors and Disputes**. Statements will be made available to you to view and/or print on the Platform App (if available). We will send an email notification when the statements are available online on a periodic basis at approximately monthly intervals. The Account statement will describe each credit or debit (including Card transactions), date of credit or debit. You may view your statement by logging into Platform’s website and/or mobile application. Electronically delivered statements will provide all information that would be available in paper statements. Account statements will be considered to be correct unless you notify us, through Platform, of any errors within sixty (60) days of becoming available. Carefully review your statement each statement cycle and notify us of any errors within sixty (60) days of your statement becoming available. Bank will not be liable to you for any error that you do not report to Bank within that period of sixty (60) days. If you think your statement is wrong or if you need more information about a transaction listed on it, please contact Platform, at the customer service contact information set forth in Section L below. In making such communication, you need to tell us: (i) your name and Account number; (ii) why you believe there is an error and the dollar amount involved; and (iii) approximately when the error took place. If you need more information about our error resolution process, contact customer service (at the customer service contact information set forth in Section L below). This paragraph is subject to Section H, and in the event of any conflict between this paragraph and Section H regarding electronic fund transfers, Section H will apply.
**Hardware and Software Requirements**. To access and retain electronic records of the Communications, you must use computer hardware and software that meets the following requirements: a Current Version (defined below) of an Internet browser we support; a connection to the Internet; a Current Version of a program that reads and displays PDF files (such as Adobe Acrobat Reader); and a computer or mobile device with an operating system capable of supporting all of the above. By "Current Version," we mean a version of the software that we support and that is currently being supported by its publisher. To print or download electronic records of Communications, you must have a connected printer or sufficient space on a long-term storage device.
### C. The Account, Generally.
**Eligibility**. The Account is available to consumers who are citizens, permanent residents or non-permanent resident aliens in the United States on a valid long-term visa, at least eighteen (18) years of age, and with a valid Social Security Number or a Tax Identification Number. All deposits and withdrawals must be in U.S. dollars. **You must agree to accept electronic, rather than paper statements, as provided above. This means: (i) you must keep us supplied with your valid email address; and (ii) you must agree to accept electronic delivery of all account communications (such as end-of-year tax forms and electronic statements). If you do not do so, you may not open an Account. If you withdraw your consent, we may close your Account.**
**Important Information about Procedures for Opening a New Account**. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
**Account**. The Account consists of an interest-bearing USD account used to hold your deposits and make payments and transfers to and from the Account. You will access your Account via the Platform App. If made enabled by Platform, the Account may include the use of a Card, which is linked to the Account for purposes of making payments and transfers to third parties. Additional information relating to use of the Card is set forth in Section J.
**Password Security.** You are responsible for maintaining adequate security and control of any and all user IDs, passwords, hints, personal identification numbers (“PINs”), or any other codes that you use to access the Account or Card. If you permit any other person(s), including any data aggregation service providers, to access or use your user IDs, passwords, hints, PINs, or any other codes that you use to access the Account or Card, you are responsible for any transactions and activities performed from your Account or Card and for any use of your personal and account information by such person(s). Do not discuss, compare, or share information about your account number or password unless you are willing to give them full use of your money. Any loss or compromise of the foregoing information and/or your personal information may result in unauthorized access to your Account or Card by third parties and the loss or theft of any funds held in your Account and any associated accounts. Checks and electronic withdrawals are processed by automated methods, and anyone who obtains your Account number, Card or access device could use it to withdraw money from your Account, with or without your permission. You are responsible for keeping your email address and telephone number up to date in order to receive any notices or alerts that we may send you. We assume no responsibility for any loss that you may sustain due to compromise of your account login credentials due to no fault of Bank and/or your failure to follow or act on any notices or alerts that we may send to you. You agree to promptly review all Account and transaction records and other Communications that we make available to you and to promptly report any discrepancy to us.
**Fee Disclosure**. You are not required to pay Bank any fees in connection with this Account. Platform may charge additional transaction fees and other fees associated with the services provided to you. A fee schedule of platform fees may be found at: [https://help.grabrfi.com/en/content/full-schedule-of-fees](https://help.grabrfi.com/en/content/full-schedule-of-fees)
**Account Titling and Ownership**. The Account may be owned and titled in the name of one (1) person who shall solely retain the right to direct the deposit or transfer of funds, or jointly. The Account cannot be owned or titled jointly by an organization, as Payable on Death (“POD”) or “In Trust For” (“ITF”). An Account may be opened as a joint account (“Joint Account”) to be held jointly by you and others. All Joint Accounts are held with right of survivorship and in the name of two or more persons; each person listed on the Account intends that when such person dies the balance in the Account (subject to any previous pledge to which we have agreed) will belong to the survivor(s) even if the decedent had a will directing disposition to someone else. If two or more of the joint Account owners survive, such surviving joint Account owners will own the balance in the Account as joint tenants with survivorship and not as tenants in common.
**Privacy Policy**. Bank’s privacy policy is available at [https://www.regent.bank/privacy-policy/](https://www.regent.bank/privacy-policy/) (the "Privacy Policy"). By entering into this Agreement, you acknowledge that you have read and accepted the Privacy Policy.
**Location of the Account**. Your Account is established in the State of Oklahoma.
**Internet Gambling; Illegal Transactions**. We may, but are not required to, deny authorization for any internet gambling transactions. You agree not to use your Account, Card or our services for online gambling or any illegal activity. We may refuse to process any transaction that we believe may violate the terms of this Agreement or applicable law. You acknowledge and agree that we have no obligation to monitor, review or evaluate the legality of your transactions and Account activity. You agree that using Bank services or your Account or Card for illegal activity will be deemed an action of default and/or breach of contract and, in such event, our services and/or your Account may be terminated at our discretion. You further agree that should illegal use occur, you waive any right to sue us for such illegal use or any activity directly or indirectly related to it, and you agree to indemnify and hold us harmless from any suits, legal action, or liability directly resulting from such illegal use. To the fullest extent permitted by law, you agree to pay for any transaction that you authorized, even if that transaction is determined to be illegal.
**Freezes, Blocking or Closing Accounts Due to Irregular or Unlawful Activities**. You agree that if Bank suspects that any irregular, unauthorized, or unlawful activity may be occurring in connection with your Account or Card, Bank may “freeze” or place a hold on the balance in the Account pending an investigation of such activities. If Bank freezes your Account, Bank will give any notice required under the circumstances by the laws governing the Account. If Bank’s investigation confirms Bank’s suspicions of irregular, unauthorized, or unlawful activity then, notwithstanding anything to the contrary in this Agreement, Bank may immediately close your Account and Card, and may also close any or all other accounts, if necessary, to comply with applicable law. You agree that Bank may also freeze, block, or close your Account as necessary in order to comply with regulations issued by the United States Department of Treasury’s Office of Foreign Assets Control (“OFAC”).
### D. Interest Information.
**Which Accounts Bear Interest**. Your Account will bear interest as described in this Section D.
**Rate Information**. The initial interest rate and APY for the Account appear in the Account Opening Disclosures. This is a variable rate account. We may, at our discretion, change the interest rate and APY for your Account at any time; this may be changed daily. Platform will notify you of any change in the interest rate and APY for your Account by posting the new interest rate on the Platform App.
**Accrual of Interest**. Interest begins to accrue no later than the business day the deposit is credited to your Account. Interest will be compounded daily and credited to your Account on a monthly basis. Account interest is calculated using the daily balance calculation method. This method applies a daily periodic rate to the principal balance in the Account each day. There are no minimum or maximum balance restrictions on your Account.
**Forfeit of Uncredited Interest**. If you close your Account after interest has accrued but before it is credited to your Account, you will forfeit that interest, and it will not be credited to your Account.
### E. Deposits to your Account.
**Deposits to the Account**. You can make deposits into your Account using any of these methods (if enabled by the Platform):
Instant Account Funding *
*The limits included here are the highest limits allowed for transactions. However, we reserve the right to allow you to transact higher volume than the limits defined herein at any time without prior notice. In certain cases, for security reasons, we may lower your limits upon notice to you at the time you attempt to initiate a transaction. Limits for Instant Account Funding are described in Section K below.
a) Linking Bank Accounts. If enabled by Platform for your Account, you may link an account with us or an external account at a third-party financial institution for online transfers between your linked account(s) and your Account. If enabled by Platform for your Account, you may link your external account(s) with your Account by (i) logging into your financial institution on the Platform App, or (ii) by providing the account and routing details for the external account and verifying the two (2) micro deposits we send to your external account the next business day. We may also verify your control of the external account by requiring you to submit proof of ownership of the external account(s). All linked accounts must be with financial institutions in the United States. We may decline the use of any external account that we believe may present a risk to you and/or us. By linking your external account to your Account, and by subsequently logging into your linked account(s) through the Platform App, you authorize us to view your account history and profile, including, but not limited to, your account and routing details, authentication details, balance, transaction history, contact information, and other related information made available by such external financial institution; and you understand this information may be used to transact on your behalf and perform other services subject to our Privacy Policy. When adding an external account, you represent and warrant that you are the owner of, and have the right to access, use and authorize us to use, the external account for information and funds transfer purposes. If any of your linked accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both you and them, and to use the external account with the Platform services. If you do not have such consent, you should not use that external account and we will terminate your use of the linking service if we are notified of such a situation. If you close any of your external accounts, you are responsible for removing it as an account eligible for the linking service to avoid any transaction failure and possible charges related to a failed transaction. We are not responsible for any acts or omissions by the external financial institution or other provider of any linked external bank account, including, without limitation, any modification, interruption, or discontinuance of any linked external bank account by such financial institution, service provider or Platform.
b) Direct Deposits. If enabled by Platform for your Account, your Account number and bank routing number may be used for the purpose of initiating direct deposits to your Account. The Account number and recipient’s name on any direct deposit we receive must match your name. Any direct deposit received in a name other than the name registered to the Account will be returned to the originator. If your Account number changes you must immediately notify your employer or any other payors. You must provide them with the new Account number to ensure that your direct deposit activity continues uninterrupted. If you have arranged to have direct deposits made to your Account at least once every sixty (60) days from the same person or company, you can contact Platform at the customer service contact information set forth in Section L below to find out whether or not the deposit has been made.
c) Account Funding with Cards. If enabled by Platform for your Account, you may fund your Account with your debit or credit card from an outside financial institution. To fund your Account using a credit or debit card you must have either (i) a credit card issued by a U.S.-based bank or financial institution bearing the trademark of MasterCard International Inc. (“MasterCard”), Visa Inc. (“Visa”), or DFS Services, LLC (“Discover”), or (ii) a valid debit card issued by a U.S.-based bank or financial institution bearing the Visa, MasterCard or Discover logo. If enabled by Platform for your Account, you may use one of those debit cards to fund your Account in Instant Account Funding transactions, which are further described in Section K below.
You may not use prepaid cards or gift cards with your Account. Please keep your card account information current. If your card account number changes or your card expiration date changes, we may acquire that information from our financial services partner and update your account accordingly. You may dispute a payment made with your card issuer if you used a debit or credit card to fund your payment. Your rights with respect to the card issuer may be broader than those available under this Agreement.
d) Remote Deposit Capture (“RDC”). If enabled by Platform for your Account, you may make deposits into your Account by using the Platform App to take a legible picture of the front and back of a negotiable check and transmitting such images. The RDC Service is for non-business, personal use in accordance with this Agreement. We will attempt to collect the item by presenting the image or converting the image into a digital representation of the original check (a “Substitute Check”). Unlike traditional check deposits, you retain the original paper check when you use Remote Deposit Capture. We request you to retain the original check until final settlement of the check. There is currently no charge for using RDC; should there be charges in the future, you will be given appropriate notice. Your wireless telecommunications provider for your wireless device or other third parties that you may utilize may impose fees to make that device data-capable, to exchange data between the device and the Platform, or based on the location of your use. By using the RDC service, you agree that you will be bound by the terms of this Agreement and will follow any and all other procedures and instructions for use of RDC that we may establish from time to time.
You agree to scan and deposit only checks, as that term is defined in Federal Reserve Regulation CC (“Reg. CC”). You agree that the image of the check transmitted to us shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code as adopted in the State of Oklahoma. You agree that you will not use RDC to scan and deposit, and you agree that we are not required to accept for deposit, any of the following checks or other items: checks or items payable to any person or entity other than you, including a check payable to “Cash”; checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn; checks or items previously converted to a substitute check, as defined in Reg. CC; checks or items drawn on a foreign bank or payable in a foreign currency; checks or items that are demand drafts or remotely created checks (checks lacking the original signature of the drawer); checks that have been previously returned stop payment or account closed; and checks or items dated more than six (6) months prior to the date of deposit.
The image of a check transmitted to us using RDC must be legible. The image quality of the check must comply with the requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, or other clearinghouses. The checks to be deposited via RDC shall be properly endorsed in the same manner in which it is made payable to you and with the restrictive endorsement: “For mobile deposit only.”
We reserve the right to reject any item transmitted through RDC, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. You agree to receive notices electronically relating to RDC, whether or not you have previously agreed to accept electronic disclosures for your Account. An image of an item shall be deemed received when you receive an electronic confirmation from us that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete. As to all checks transmitted to us through RDC, you represent and warrant that: (i) you will comply with the terms and conditions set forth in this Agreement; (ii) you will only transmit eligible items described above in this paragraph; (iii) you have good title to each check and no defense of any party to the check is good against you; (iv) the original check, or a paper or electronic representation, has not previously been deposited for collection with us or any other financial institution, and no depositary bank, drawee, or drawer will be asked to pay a check that it already has paid; (v) you have no knowledge or notice of information to indicate that the transaction is fraudulent; (vi) all necessary signatures and endorsements have been placed on the check and are genuine; and (vii) the check has not been materially altered. If any such representation or warranty is breached, we may deduct the amount of the check from any of your accounts or otherwise collect from you this amount plus expenses. You agree to indemnify and hold us, our affiliates, directors, officers, employees, and agents harmless from and against all losses, liabilities, cost, damages and expenses (including reasonable attorneys’ fees and cost of litigation) to which we may be subject or that we may incur in connection with any claims that might arise from or out of your use of RDC, including, but not limited, your breach of any representation or warranty in this Section. You agree to notify us, through Platform, of any suspected errors regarding checks deposited through RDC right away, and in no event later than forty (40) days after the applicable account statement is sent or made available to you. Unless you notify us within forty (40) days, such statement regarding all deposits made through RDC shall be deemed correct, and you are prohibited from bringing a claim against us for such alleged error.
e) Wire Transfers. If enabled by Platform for your Account, you may fund your Account with a wire transfer. When we accept a wire transfer payment order instructing payment to you or to your Account, we will notify you of our receipt of payment by indicating the amount in your Account statement. Your Account statement will be the only notice of receipt which we will provide you, and no interest will be paid on wire transfer payments deposited into your account unless the account otherwise pays interest.
f) No Deposits in Cash, Paper Checks or Foreign Currency. Bank will only accept funds deposited electronically through Platform. We are not liable for any deposits (including cash) lost in the mail, lost in transit, or not received by us. We do not accept (i) deposits in (1) cash, cashier’s checks or money order or (2) foreign currency or (ii) deposits of any type of check via mail. If we receive any of those instruments by mail, we will return it to the address we have for you on file. Only deposits made in accordance with the terms of this Agreement will be accepted.
g) Our Right to Charge Back Deposited Checks or Electronic Transfers. If you deposit a check or receive an electronic transfer as provided in this Agreement and (i) the paying bank returns it to us unpaid; (ii) the paying bank or the issuer of a check demands that we repay them because the check was altered, forged or unauthorized, is missing a signature or endorsement, or has a forged endorsement; or (iii) the sending bank or the originator of an item demands that we return the item because it was unauthorized, sent to the wrong account number or procured by fraud, we may pay the return or demand, and subtract the funds from your Account, even if the balance in your Account is not sufficient to cover the amount we subtract or hold, causing an overdraft. If we have reason to believe that any of the events in the previous sentence have occurred or may occur or that the check or other item should not have been paid or may not be paid for any other reason, we may place a hold on the funds or move them to a non-customer account until we determine who is entitled to them.
h) Right to Reject Any Deposit. We may refuse any check for deposit, with or without cause, or may elect to take a check on a collection basis only. We are under no obligation to accept any check, item, wire, electronic funds transfer, or other transaction for deposit to your Account or for collection, and we may refuse to cash or give value for any such transaction. We may restrict access to any deposit credited to your account that violates any laws of the United States, including those giving rise to OFAC sanctions. Unless Bank specifically permits you to do so, you may not deposit any substitute check that has not been previously handled by a bank in the collection process. This means you cannot deposit a substitute check you create, or one that is created by another person, unless we enter into an agreement to do so. Nevertheless, if a substitute check is received for deposit, you will be responsible for any losses you or another person suffers relating to that substitute check.
### F. Withdrawals from the Account.
In addition to those withdrawals using your Card (if applicable) described in Section J below and Instant Push to Card Transactions described in Section L below, you can make withdrawals from your Account using any of these methods (if enabled by the Platform):
Instant Push to Card*
*The limits included here are the highest limits allowed for transactions. However, we reserve the right to allow you to transact higher volume than the limits defined herein at any time without prior notice. In certain cases, for security reasons, we may lower your limits upon notice to you at the time you attempt to initiate a transaction. Limits for Instant Push to Card are described in Section K below.
a) Instant Push to Card. If enabled by Platform, you may be able to send payments from your Account in Instant Push to Card transactions, which are further described in Section K below.
b) Wire Transfers. If enabled by Platform for your Account, you may make payments or withdrawals from your Account via a wire transfer payment order. Payment orders will not be accepted until executed by us. We reserve the right to refuse to accept any payment order.
c) No Overdrafts. You are not permitted to overdraw your Account. If the available balance in your Account is at any time not sufficient to cover any payment or withdrawal you have authorized, we may refuse to process the payment or withdrawal. If your Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Account has a negative balance of (i) $100 or more, it will be closed immediately and (ii) less than $100 for thirty (30) calendar days or more it will be closed. If you fail to pay the amount of any overdraft, we reserve the right to refer your overdrawn Account to an attorney for collection, and you agree to pay all reasonable expenses, including, but not limited to, reasonable attorney’s fees and court costs, incurred by us as a result of your Account being overdrawn.
d) Notice of Furnishing Negative Information. We may report information about your Account to credit bureaus. Unpaid overdrafts may be reflected in your credit report.
### G. Funds Availability.
**Availability**. We make funds available according to the type of deposit and when the funds are applied or credited to your Account. Some types of deposits may not be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to your Account, you may not withdraw those funds, and we will not use them to pay any debits, such as ACH transfers or payments, check payments or, if available, transactions using your debit card during the deposit hold period. We have the right to refuse any deposit. If final payment is not received on any check you have deposited into your Account for which you have received credit, or if any direct deposit, ACH transfer or other transfer for which you have received credit is not paid for any reason, you agree to pay us the amount for which you have received credit. The length of the delay in the availability of funds will vary depending on the type of deposit.
**Business Days**. The length of the delay in the availability of funds is counted in business days from the day your deposit is applied to your Account. For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included. Deposits received after the cut-off times provided in this Agreement or on a day Bank is not open will be processed the following business day that Bank is open.
**Same Day Availability**. Funds received from preauthorized electronic payments, such as payroll direct deposits, will be available on the day we receive the deposit. Funds from ACH credits that we receive from a verified external bank account will be available on the day we receive the deposit. Funds from internal transfers will be available immediately, and funds from Instant Account Funding will be available within the same day.
**Longer Availability**. Electronic transfers depositing into the Account initiated through the Platform may take up to five (5) business days from the date of the initial request but will post on the payment date of the deposit once the money has reached us.
**Availability of Mobile Deposits**. Checks deposited through the RDC service are not subject to the funds availability requirements of Regulation CC. Checks deposited using the RDC service will generally be made available in your Account no later than six (6) business days after the day you made the deposit. In some cases, we may not make the funds available in accordance with the general policy for other reasons, including, but not limited to, if we have reasonable cause to doubt the collectability of the check. The length of the delay will be counted in business days from the day of your deposit. If your deposit is declined, we will email you the notice by the first business day after the day we receive your deposit. We reserve the right to change the limits on the amount(s) and/or number of deposits that you transmit using RDC and may modify these limits from time to time.
**How Your Account Balance and Available Balance are Determined**. To avoid a negative balance and/or Bank’s refusal to process a transaction, it is necessary to understand how your Account balance is determined to avoid having non-sufficient funds in your Account. Your Account has two kinds of balances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your Account as well as payment transactions that have been posted to your Account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your Account that is available for you to use. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to any pledges of Account funds and any minimum balance requirements or to comply with legal process. We use your available balance to determine whether there are sufficient funds in your Account to pay items, including checks and drafts, as well as ACH, debit card and other electronic transactions, as applicable. Pending transactions and holds placed on your Account may reduce your available balance, in our sole discretion. Pending transactions and holds also may cause your Account to become overdrawn during the time the transaction is pending or a hold is in effect. You may check your available balance and actual balance on the Platform App, at an ATM, or by contacting Platform at the customer service contact information set forth in Section L below.
**How Transactions are Posted to Your Account**. There are two types of transactions that affect your account: credits (deposits of money into your Account) and debits (payments out of your Account). It is important to understand how each is applied to your Account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your Account. If we change these practices, we will provide you notice in accordance with this Agreement.
a) Credits. Deposits are generally added to your account when we receive them. However, in some cases when you deposit funds, the full amount of the deposit may not be available to you at the time of deposit.
b) Debits. There are several types of debit transactions. Common debit transactions are generally described below. There are many ways transactions are presented for payment by merchants, and we are not in control of when transactions are received. We receive multiple data files every day from the Federal Reserve with ACH transactions Monday through Friday. If the day is a recognized federal holiday by the Federal Reserve, we may not receive or process a file that day. For ACH transactions that we receive at the same time, for example, all in the same data file, ACH credit transactions are posted first and ACH debit transactions are posted second in the order received by us. Bank posts ACH transactions throughout the day Monday through Friday, excluding federal holidays. PIN-Based Card purchase transactions are purchase transactions using your Card for which a merchant may require you to enter your personal identification number (PIN) at the time of sale. They are processed through a PIN debit network. These transactions are similar to ATM withdrawal transactions because the money is usually deducted from your available balance immediately at the time of the transaction. However, depending on the merchant, a PIN-based transaction may not be immediately presented for payment. Signature-Based Card purchase transactions are purchase transactions using your Card that are processed through a signature-based network. Rather than entering a PIN, you typically sign for the purchase; however, merchants may not require your signature for certain transactions. Such signature-based transactions are not immediately presented for payment. Instant Push to Card transactions are deducted from your available balance immediately at the time of the transaction.
c) Authorization Holds. When you use your Card for certain transactions, the merchant accepting your Card may request advance authorization of that transaction, and we may place a hold on your Account. This may be the case where you present your Card for payment at restaurants, gas stations, hotels and certain other retail establishments. In certain situations, certain kinds of merchants are permitted to request authorization for a Card transaction in an amount different from the amount of the actual transaction. When we receive an authorization request from a merchant, we do not receive information from which to determine whether the request covers the actual amount of a transaction, an estimated amount, or whether the merchant’s request exceeds the amount permitted. Each hold will reduce the available balance in your Account by the amount of the hold, but will not affect your actual balance. In the event the available balance in your Account (i.e., net of the hold) is insufficient to pay items posted to your Account, transactions will decline. An authorization hold is not payment for an authorized transaction. The transaction is subsequently processed by the merchant and submitted to us for payment. We will make payment for a transaction only after the actual transaction is presented to us physically or electronically. This can happen hours or sometimes days after the transaction, depending on the merchant and its payment processor. These payment requests are received in real time throughout the day and are posted to your Account when they are received. Many purchases that are done through the Internet or with a merchant where goods are ordered and to be delivered at a future date will create an authorization at the time of purchase but the transaction may not be sent to us for posting until the merchandise is shipped. Any authorization hold on your Account will be released upon the earlier of: (a) the day we: (i) receive the actual transaction, (ii) post that transaction to your Account for payment, and (iii) match the authorization of that transaction to the actual transaction; or (b) five (5) business days after the date we authorized the transaction. The release of the hold will be in the form of a credit to your Account for the amount of the original hold. Credits for released holds and payments for Card transactions are posted separately to your Account, and the credit for any particular hold is not used to pay the particular transaction for which the hold was originally placed.
### H. Electronic Funds Transfer Disclosures.
**Electronic Transfers**. If enabled by Platform, you may originate transfers to and from your Account as provided in Sections E and F of this Agreement. These requests must be made via the Platform. In the case of electronic transfer requests from an external bank account to your Account, we will complete such requests only if the funds are being transferred from your linked external account. The payee name on any direct deposits or credits we receive should, in addition to having the correct Account number, match the Account owner name associated with the Account. Any deposits received in any other name may be returned to the originator.
**Next Day ACH. Cut-off Time.** The cut-off time for scheduling a next day ACH transfer is 4 p.m. Central Time. Any next day ACH transfer scheduled after the cut-off time will be treated as if it were scheduled on the next business day. In some circumstances, transactions may be delayed for risk or compliance reasons.
**Same Day ACH. Cut-off Time***.* The cut-off time for scheduling same day ACH transfers (if enabled on your Account) is 12:30 p.m. Central Time. If enabled by Platform, the Same Day ACH means that the transfer will be performed on the same business day. Any same day ACH transfer scheduled after the cut-off time will be treated as if it were scheduled as next day ACH transfer. In some circumstances, transactions may be delayed for risk or compliance reasons.
**Electronic Transfers Using Your Account Number**. If enabled by Platform, you may authorize a third party, such as your employer or a government agency, to transfer funds to and from your Account by providing your Account number and your routing number to such third party. Your Account information should only be provided to trusted third parties authorized to initiate the electronic funds transfers.
**Debit Cards and ATM Services**. Your Card can be used for purchases at points of sales and/or withdrawals at ATMs.
**Types of Electronic Transfers Available.** If enabled by Platform, you may arrange with another party to electronically deposit funds on a one-time or recurring basis directly into your Account. If enabled by Platform, you may arrange with another party to make one-time or recurring charges to your Account to pay bills.
**Limitations on Transfers, Amounts and Frequency**. Your rights under this Agreement to make electronic funds transfers are subject to the frequency and dollar amount limits established in Sections E and F of this Agreement.
**Right to Receive Documentation of Electronic Funds Transfers**. Your electronic funds transfers will be reflected on the statements that will be delivered to you through the Platform App. You can obtain documentation of a transfer at the time you make any transfer to or from your Account using the Platform. You can also contact Platform at the customer service contact information set forth in Section L below to obtain information about any particular deposit or transfer.
**Notice of Varying Amounts.** If you have scheduled recurring transfers from your Account via the Platform or by authorizing a third party to debit your Account, these regular payments may vary in amount, and if they do, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
**Right to Stop Payment of Preauthorized Transfers and Procedures.** If you have scheduled a one-time or a recurring transfer via the Platform, you may stop or cancel that transfer by following the procedures defined here. To stop a transfer that you initiated via the Platform App, either one-time or recurring, use the Platform App to cancel such payment, or contact Platform at the customer service contact information set forth in Section L below to request cancellation of the transfer. To stop a one-time or recurring transfer that you have authorized a third party to debit from the Account, please contact that third party to request the cancellation of the payment. You also may contact Platform at the customer service contact information set forth in Section L below to request a stop on the payment. If you wish to contact us to stop a one-time or recurring transfer that you initiated via the Platform App or that you have authorized a third party to debit from the Account, your request to stop the transfer must be received at least three (3) business days before the transfer is scheduled to occur. Regarding recurring payments, you should specify whether you wish to stop one recurring payment or all recurring payments. If you do not specify, all recurring payments may be stopped. You must specify the name of the payee, the dollar amount of the payment and the date of the payment. Regarding recurring transfers that you initiated via the Platform App, we will be liable for your losses or damages if you requested the stop payment at least three (3) business days before the transfer was scheduled to occur and we did not stop the payment. In the case of a recurring third-party debit authorization, you may contact us to stop one recurring payment. To stop all future payments pursuant to the third party's recurring authorization, you must put your initial oral request (if oral) in writing and send it to us within fourteen (14) days of your initial oral request. If the written stop payment notification is not received at least fourteen (14) days before the future payment is scheduled to occur, we will honor that and all other future payments as originally authorized without liability to you.
**Your Liability for Unauthorized Transfers**. You must contact us through Platform, by emailing [support@grabrfi.com](mailto:support@grabrfi.com) if you believe your Account number, Card or PIN was stolen or if you believe someone has transferred or may transfer money from your Account or using your Card without permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account.
If you notify us within two (2) business days after you learn of the loss or theft of your Account number, Card or PIN or other unauthorized access to your Account, you can lose no more than $50.00 if someone used your Account or Card without your permission. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Account number, Card or PIN or other unauthorized access to your Account, and we can prove that we could have stopped someone from using your Card or Account without your permission if you had notified us, you could lose as much as $500.00.
If your statement shows transactions that you did not make, including those made by use of your Account number, Card or PIN, notify us at once. If you do not notify us within sixty (60) days after the statement was made available to you, you may not get back any of the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had notified us in time. If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we will extend the time periods.
**Errors and Disputes**. If you think your statement is wrong or if you need more information about a transaction listed on it, please contact us through Platform emailing [support@grabrfi.com](mailto:support@grabrfi.com). You must report any errors within sixty (60) days from the date on which we made available to you on the Platform App the FIRST statement on which the problem or error appeared. You must provide the appropriate information for us to investigate the error or unauthorized transaction, including at least your name and account number and the date of the transaction and its amount. If you call us, we may request that you send your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to use this additional time, we will credit your Account for the amount you think is in error within ten (10) business days, so that you will have use of the money during the time it takes to complete the investigation.
If your Account was opened less than thirty (30) days before the date of the suspected error, we may extend the ten (10) business day period to twenty (20) business days before crediting your Account.
If your Account was opened less than thirty (30) days before the date of the suspected error, the error resulted from a point-of-sale debit card transaction or was initiated in a foreign country, we may extend the forty-five (45) day period to ninety (90) days to investigate your complaint or question.
If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we will not credit your Account.
You will be informed of the result of the investigation within three (3) business days after our completion of the investigation. If we decide there was no error, we will send you an explanation by email or by making it available via the Platform App. Copies of the investigation documentation can be obtained by emailing Platform at [support@grabrfi.com](mailto:support@grabrfi.com).
**Our Liability for Failure to Complete Transactions**. If we do not complete a transfer to or from your Account on time or in the correct amount according to this Agreement, we will be liable for your losses or damages. However, we are not liable for any failed transfer if:
(1) through no fault of ours, you do not have enough funds available in the Account to cover a transaction;
(2) the merchant refuses to accept the transaction;
(3) the ATM or device does not have enough cash or is not working properly;
(4) if an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
(5) the merchant requests authorization for an amount greater than the purchase amount;
(6) access to your Card, Account or linked account has been blocked after you reported your Card, Account number or linked account number lost or stolen;
(7) there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
(8) we have reason to believe the requested transaction is unauthorized;
(9) we have received incomplete or inaccurate information from the third-party payor or payee;
(10) if circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
(11) if there are other exceptions stated in this Agreement or as provided by law.
**Business Day**. For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included.
**Confidentiality.** We will disclose information to third parties about your Account or the transfers you make: (i) where it is necessary for completing transfers, (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iii) in order to comply with government agency or court orders; or (iv) if you give us your written permission.
### I. Wire Transfer Services.
**Electronic Transfers via Wire Transfer**. If enabled by Platform, you may originate transfers to and from your Account via wire transfer as provided in Sections E and F of this Agreement. In the case of electronic transfer requests from an external bank account to your Account, we will complete such requests only if the funds are being transferred from your linked external account. Subject to the terms and conditions of this Agreement, you hereby authorize Bank and Bank hereby agrees to honor, execute and charge to the Account all requests for the wire transfer of funds you make through the Platform. The Uniform Commercial Code (“UCC”) includes provisions relating to wire transfers. The provisions define the following terms: funds transfer, payment order and beneficiary. The terms are used here as they are defined in Article 4A of the UCC titled “Funds Transfers” as adopted by the State of Oklahoma. In general, a funds transfer is the process of carrying out payment orders that lead to paying a beneficiary. The payment order is the set of instructions given to bank to transfer funds. The beneficiary is the person or business who received the payment. You may submit domestic U.S. wire transfer requests via the Platform. Wire transfer requests will not be accepted through any other medium. Incoming domestic U.S. wire transfers to the Account are processed by the Bank. Wire transfer refers to the transfer of funds through the Fedwire® Funds Service of Federal Reserve Banks or other means. Wire transfer does not include ACH transfers. For outgoing wire transfers, a fee is charged to Account associated with or originating the outgoing wire transfer for outgoing wire transfers. Information about the fee can be found below.
**Verification of Wire Transfer Requests**. A wire transfer request will be processed only if the request complies with Bank’s security and verification procedures. You must log into the Platform and pass two-factor authentication to submit a wire transfer request, and further agree to comply with any other security procedures that Bank adopts now or in the future for initiation of wire transfer requests. You agree that any wire transfer request, or request for amendment to or cancellation of a wire transfer request, as described below, made pursuant to Bank’s security and verification procedures, shall be conclusively deemed to be your instruction, whether or not you authorized the same, and you will be required to pay Bank, and Bank is authorized to charge the Account, for any such wire transfer.
**Adequacy of Security and Verification Procedures**. You acknowledge Bank’s security and verification procedures will not detect error in the transmission or content of the wire transfer instruction and agree to be solely responsible for the discovery and identification of any error and to advise Bank of such error as described below. You agree Bank’s security and verification procedures as implemented by Bank from time to time, are commercially reasonable, and you will be bound by any wire transfer instruction issued in your name and accepted by Bank in compliance with the procedures.
**Wire Transfer Request Procedures and Accuracy**. All wire transfer requests must conform to Bank procedures, which may be amended by Bank from time to time. The procedures include the method for submitting wire transfer requests and cut-off times. You understand the accuracy of the account/routing/transit number associated with a financial institution (“FI”) and the account number of a wire transfer recipient, i.e., the beneficiary, is critical. You acknowledge and agree that Bank and beneficiary’s FI may rely solely upon the account/routing/transit number or similar identifying number provided in the wire transfer request to identify (a) the beneficiary and (b) the beneficiary’s FI. You are required to pay Bank, and Bank is authorized to charge the Account, for any wire transfer made by Bank at your request using such account/routing/transit number or similar identifying numbers, even if you identified the beneficiary or FI by name. If there is a discrepancy in your wire transfer request between the name of the beneficiary or the FI and such beneficiary’s account/routing/transit or similarly identifying number, Bank will, and is authorized to make payment on the basis of such identifying number, even if it results in a beneficiary or FI other than the one designated by you by name being paid. If you give us a payment order that is erroneous in any way, you agree to pay the amount of the order whether or not the error could have been detected by any security procedure we employ.
**Time of Wire Transfer Request; Sufficient Funds Available**. Regardless of what time or day you complete a wire transfer request through the Platform, the business hours of the wire transfer department of the Bank determine when wire transfer requests are processed. The business hours and processing cut-off times appear below. The business hours and cut-off times may be amended by Bank from time to time. Wire transfer requests received on a non-business day or after hours on a business day will be handled the next business day. Bank is not required to act on the day it receives a wire transfer request if the request is received after business hours or Bank cannot reasonably execute the wire transfer request within such business hours. Bank is authorized to use any means for the transmission of funds Bank considers suitable. Bank is not required to honor wire transfer requests, unless you have an Account balance of actually and finally collected funds sufficient to cover the amount of the wire transfer and fees to be charged to the Account. If, because of circumstances beyond its control, Bank is delayed beyond the time limits appearing below or by law in acting upon a wire transfer request, the time for acting shall be extended for the time necessary to complete the action, if Bank exercises such diligence, as circumstances require.
**Handling of Wire Transfer Requests, Amendments, Revocations and Discrepancies**. You may ask Bank to amend or cancel any wire transfer or related instruction, subject to authentication using the procedures set forth above, and Bank will use its best efforts to comply with such request if the request is made at a time and in a manner that gives Bank a reasonable opportunity to act on the request before it makes the wire transfer or carries out the instruction as you originally requested; provided, however, you agree Bank shall not be responsible and will have no liability for any loss resulting from any delay in handling or completing a wire transfer request, or for Bank’s inability for any reason to carry out a requested amendment or cancellation of a wire transfer request. If you ask Bank to recover funds Bank has already transferred in accordance with a wire transfer request, Bank may attempt to do so in its sole discretion, but Bank shall be under no obligation to seek recovery of any funds. If Bank grants a request to attempt to recover funds, Bank will take such action as it deems reasonable under the circumstances, including, for example, sending a request to reverse the transfer to any FI that received such funds. In no event, however, shall Bank be deemed to have guaranteed or otherwise assured the recovery of any portion of the amount transferred, nor to have accepted responsibility for any amount transferred before Bank received and had time to act upon the request to amend or cancel the wire transfer request.
**Duties of Bank**. The duties and responsibilities of Bank with respect to wire transfers are specifically contained in this paragraph. Bank shall exercise the same degree of care and discretion in acting upon an instruction for the wire transfer of funds as Bank would ordinarily take in the wire transfer of funds for its own account; PROVIDED, HOWEVER, BANK SHALL NOT BE LIABLE FOR ANY ERROR OF JUDGMENT OR FOR ANY ACTION TAKEN OR OMITTED TO BE TAKEN BY BANK EXCEPT FOR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. Any claim for compensation by you must be made in writing and received by Platform at [support@grabrfi.com](mailto:support@grabrfi.com) within a reasonable time, not exceeding fourteen (14) days from the date of the transaction on which the claim is based.
**Fees and Charges**. [A $15 fee is charged for each outgoing wire transfer request to the Account associated with or originating the outgoing wire transfer. Fees may also be assessed by the receiving and/or beneficiary financial institution(s) for a wire transfer returned for insufficient or incorrect information provided by you that prevented funds from being applied to the beneficiary account. The fee(s) may vary and will be deducted from the funds returned to Account by the financial institution(s) charging the fee(s).]
**Compliance with Laws**. By using wire transfer services, you represent that (a) you are not located in a country that is subject to U.S. government sanctions, including without limitation, the Crimea region of Ukraine, Cuba, Iran, North Korea, or Syria, or other U.S. government embargoes, (b) you are not a person, group or entity that has been designated by the U.S. government as a Specially Designated National (SDN) or in a “terrorist supporting” country, (c) you are authorized under U.S. federal, state and local laws to conduct financial transactions with Bank, (d) you are not subject to sanctions by the U. S. Department of the Treasury, Office of Foreign Assets Control (OFAC), and (e) you will not use the Account or any services provided by Bank to facilitate payments, either directly or indirectly, to a sanctioned country, person, group or entity. Bank vigorously enforces laws and regulations promulgated by OFAC and, in accordance with OFAC rules, Bank reserves the right to: (i) check the names of current and new customers against OFAC’s database, and (ii) block and/or reject transactions until Bank is satisfied that you or any wire transfer recipient parties are not subject to OFAC sanctions.
**Hours of Operation and Cut-Off Times**. Bank’s wire transfer department is open from 9are processed the same business day. Funds from incoming wire transfers are available the day the deposit is applied to the Account. Wire transfers are not processed on weekends or Federal Reserve Bank holidays.
**Remittance Transfers**. All international wire transfers will be routed by us through one of our correspondent financial institutions. Wires cannot be sent directly to financial institutions in a country other than the U.S. Domestic wire transfers will settle only in U.S. Dollars. International wires may be in a foreign currency if accepted at our discretion. You will be responsible to ensure that the proper foreign currency is available and may be obtained through us. International wires are considered Remittance Transfers under the U.S. Remittance Transfer Rule and require certain disclosure, cancellation, and dispute rights be provided to you at the time each international wire is requested. Remittance Transfer Rule requirements and timelines supersede any contradicting disclosure, cancellation, or dispute requirements set forth in this Agreement.
Special provisions of the federal Consumer Financial Protection Bureau’s Regulation E govern certain outgoing electronic international transactions initiated by consumers that are defined as “Remittance Transfers.” Included within the definition of a Remittance Transfer are wire transfers of funds from your Account that we may permit you to make under this Agreement to third parties who are located, or whose accounts are located, outside the United States. Among other things, this means that when you request a remittance transfer: (1) You will receive specific disclosures about the details of the requested transfer before you will be permitted to complete the transfer. (2) We will send you a special receipt containing additional information after you have made the transfer. (3) You have certain cancellation and refund rights in connection with these wires if you change your mind within 30 minutes after making payment and the funds have not already been picked up or deposited into the recipient’s account. These rights are briefly summarized below. (4) You have certain rights if you suspect an error or problem with a Remittance Transfer. These rights are briefly summarized below. (5) Certain provisions of this Agreement, which limit our liability to you or make you responsible for losses in various circumstances, do not apply and our or your liability or responsibility is instead governed by the Regulation E Remittance Transfer rules. The Regulation E Remittance Transfer rules provide that if you give us the incorrect account number or recipient institution identifier, you could lose the transfer amount. (6) There may be provisions of this Agreement that are inconsistent with certain rights or responsibilities of you or us under the Regulation E Remittance Transfer rules. In the event of any such inconsistency, Regulation E will control and this Agreement will be deemed modified so as to be consistent with the Remittance Transfer rules, without affecting the validity of any other provisions of the Agreement.
**If you want to cancel a Remittance Transfer**: you have the right to cancel a Remittance Transfer and obtain a refund of all funds paid to us, including any fees. To cancel, you must contact Grabr Fi by email to [support@grabrfi.com](mailto:support@grabrfi.com) within 30 minutes of making payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were to be sent. We will refund your money within three business days of your request to cancel a transfer, as long as the funds have not already been picked up or deposited into the recipient’s account.
**If you think there has been an error or problem with a Remittance Transfer**: Write us at [support@grabrfi.com](mailto:support@grabrfi.com). You must contact us within 180 days of the date we promised that the funds would be made available to the recipient. When you do, please tell us:
(1) Your name and telephone number or address;
(2) The error or problem with the transfer, and why you believe it is an error or problem;
(3) The name of the person receiving the funds, and if you know it, his or her telephone number or address;
(4) The dollar amount of the transfer; and
(5) The confirmation code or number of the transaction.
We will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.
Please note that, because we utilize commercial wire systems to send these types of Remittance Transfers, they are not classified as “electronic fund transfers” under Regulation E, and accordingly, the additional consumer disclosures set forth in in this Agreement under the heading of “Electronic Funds Transfers Disclosures” do not apply. Please note also that domestic wires within the U.S. (both outgoing and incoming) and international wires into your Account are not subject to the Regulation E remittance transfer rules, and further, they are not subject to the “Electronic Funds Transfers Disclosures” disclosures.
### J. Additional Information Regarding Card.
**Debit Card**. If enabled by Platform, you may use a Card to access or use funds in your Account. The Card is a debit card that allows you to have access to your Account to perform electronic funds transfers. You must activate your Card prior to use. You can activate it by accessing the Platform App. You are responsible for all authorized transactions initiated and fees incurred in connection with use of the Card. If you permit another person to have access to the Card or your Card credentials, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. If you need to replace your Card for any reason, please deactivate the Card by notifying us via the Platform website and/or mobile application, by emailing Platform at [support@grabrfi.com](mailto:support@grabrfi.com).
**Expiration Date**. The expiration date of the Card is identified on the back of the Card. You agree to sign the back of the Card immediately upon receipt. The Card is our property and must be surrendered to us or discarded upon demand. The Card is a debit card. The Card is not a credit card. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. We may refuse to process any transaction that we believe may violate the terms of this Agreement.
**Secondary Cardholder**. You may be allowed to authorize additional Cards to be linked to your Account and provided to a secondary cardholder. We will treat the transactions initiated by the secondary cardholder as authorized by you and you will be liable for all transactions, fees and other liabilities related to such secondary cardholder.
**Virtual Card**. You may have the option of accessing your Account with, in addition to your physical card, a virtual card represented by a 16-digit account number (“Virtual Card”). The Virtual Card may either be single-use, meaning the 16-digit account number will expire after a single transaction, or recurring-use, meaning you may use your 16-digit Account number for multiple transactions. You may not use your Virtual Card to obtain cash anywhere.
**PIN.** You will be provided with a personal identification number (“PIN”), which must be used in all automated teller machine (“ATM”) transactions and certain PIN debit transactions when requested at the point of sale. You should not disclose your PIN to anyone. If the security or confidentiality of the PIN is compromised, please notify Platform at Platform’s website and/or mobile application in order to block your Card. Alternatively, you may notify Platform at the customer service contact information set forth in Section L below.
**Spending and Withdrawals Limits**. You may use your Card to withdraw cash from your Account, pay for purchases at places that have agreed to accept the Card, and pay bills directly from your Account in the amounts and on the days you request. There are transactional (dollar) limits per day imposed on your Card. The transactional limits imposed on your Card are provided in the table below. These limits are the maximum amounts that you can spend with your Card per day and are subject to periodic review and to change based on your Account history, activity, Platform’s reviews and other factors. We reserve the right to allow you to transact higher volume than the limits defined herein at any time without prior notice. Because of the limitations imposed by some ATMs and in the event of equipment failure or unavailability, you may not be able to withdraw or to access funds even though you have not exceeded these limitations. The daily period to which the transactional limits apply are on a rolling 24-hour basis.
### K. Instant Payments.
If enabled by Platform, you may fund your Account instantly using an eligible debit card (Instant Account Funding) or instantly transfer funds from your Account to an eligible debit card (Instant Push to Card). You will have to link the debit card to the Account using the Platform App and provide such additional information requested on the Platform App regarding the transaction, and the debit card must be enabled by the payment network for instant transfer services. These transactions operate through card networks (Visa Direct and Mastercard MoneySend). Cross-border transactions and credit cards are not eligible for Instant Account Funding or Instant Push to Card. Limits for Instant Account Funding and Instant Push to Card transactions are set forth below. These limits are subject to periodic review and to change based on your Account history, activity, Platform’s reviews and other factors. We reserve the right to allow you to conduct transactions in excess of the limits at any time without prior notice. Additional limits may be imposed by other financial institutions involved in Instant Account Funding and Instant Push to Card transactions that are outside of our control.
You will not use Instant Account Funding or Instant Push to Card transactions to violate any applicable law or regulation, including OFAC rules. Instant Account Funding and Instant Push to Card transactions may fail, be rejected or be delayed due to a review by us or other financial institutions involved in the transactions, such as for fraud, regulatory, or compliance reasons, or if the transaction exceeds applicable limits. An Instant Account Funding transaction also may fail or be rejected for the following reasons, without limitation: (i) there are insufficient funds available in the sender's account; (ii) you reject the payment or decline to receive such payments generally; (iii) the payment exceeds the sender's limits; (iv) your Account is closed, invalid, or ineligible to receive such payments, or is being monitored for suspected fraudulent or other illegal activity; and (v) the sender's account is being monitored for suspected fraudulent or other illegal activity.
By submitting a request for an Instant Push to Card transaction, you irrevocably and unconditionally authorize us to deduct the amount from your Account and to initiate that payment transaction. We may deduct this amount immediately upon receipt of your submission of the request. You should only use Instant Push to Card transactions to make payments to persons who you know. You are responsible for verifying that the information for the receiver of an Instant Push to Card transaction is accurate and complete. We have no obligation to verify the accuracy or completeness of that information. We may reject a requested Instant Push to Card transaction if you do not have sufficient funds in your Account for that transaction. An Instant Account Funding transaction also may fail or be rejected for the following reasons, without limitation: (i) if the recipient rejects the payment or declines to receive such payments generally; (ii) your Account is closed, invalid, or ineligible to send such payments, or is being monitored for suspected fraudulent or other illegal activity; and (iii) the recipient's account is being monitored for suspected fraudulent or other illegal activity.
Any dispute between you and a sender or receiver of an Instant Account Funding or Instant Push to Card transaction must be resolved directly between you and the sender or receiver. We have no responsibility for, and shall not be liable to you in connection with, any dispute between you and a sender or receiver.
### I. Miscellaneous.
**Assignment; Transfer; Non-Waiver**. The Account and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Platform is an agent of Bank for some purposes and will be responsible for carrying out some of Bank’s responsibilities under this Agreement as Bank’s agent, including receiving notices from you, responding to any notices relating to questions or complaints concerning your Account or Card, and carrying out other responsibilities described in this Agreement. Accordingly, where Bank is responsible for matters under this Agreement, those matters may be handled either by Platform or by Bank directly. Use of the Account and Card is subject to applicable Federal and state laws and all applicable rules and customs of any clearinghouse or other association governing your Account, Card or any transactions. If you or we excuse each other from complying with any part of this Agreement, this will not waive compliance by the excused party on any other occasion, notwithstanding the number of previous excusals or their duration. A party may not rely justifiably upon the other party's past forbearance to vary present or future rights, obligations or performance under this Agreement. If any provision of this Agreement is determined to be invalid, illegal or unenforceable for any reason, that provision shall not invalidate or render unenforceable any other provision of this Agreement.
**Deposit Network Service**. From time to time, we may, but are not obligated to, deposit some or all the funds in your Account with one or more other depository institutions through a deposit network program (a “Deposit Network Service”) administered by us or by a third-party service provider (a “Third-Party Service Provider”). In order for you to participate in a Deposit Network Service, we may ask you to enter into additional agreement(s) with us with respect to the Deposit Network Service. All depository institutions that participate in a Deposit Network Service (each a “Network Bank” and, together, the “Network Banks”) are insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Administration (“NCUA”). Each account at a Network Bank in which any of the funds in your Account are deposited as part of a Deposit Network Service shall be titled in the Bank’s name or Bank’s agent’s name as custodian and beneficially held to provide deposit insurance coverage to Account customers of Bank. Bank may transfer funds from your Account directly to a Network Bank, or your funds may be placed in the custody of a FDIC-insured or NCUA insured custodian bank (a "Custodian Bank") prior to being transferred to a Network Bank. If any of your funds are held at a Custodian Bank, they shall be placed in an account that is titled and beneficially held to provide deposit insurance coverage to Account customers of Bank. Your funds that are held at a Network Bank will be governed by the terms of this Agreement in the same manner and to the same extent as funds held in your Account at Bank, including with respect to interest rates, fee schedules, and the Funds Availability Policy, but you will not have direct access to any account that is established at a Network Bank or Custodian Bank and may not take any direct action with respect to a Deposit Network Service.
You appoint Bank as your limited agent to provide the Deposit Network Service. Bank may at any time and in its sole discretion effect deposits to and withdrawals from your Account(s) at Bank and any accounts established at the Network Banks as part of the Deposit Network Service. You authorize Bank to use one or more Third-Party Service Providers selected solely by Bank to act as your limited agent(s) to provide the Deposit Network Service, including the selection of one or more Network Banks and one or more Custodian Banks as Bank deems suitable for the purpose of providing the Deposit Network Service. Any funds in your Account(s) at Bank that Bank or its agents deposits at a Network Bank as part of the Deposit Network Service, and any funds that you hold or are held for your benefit at the same Network Bank by any other means (i.e., not by Bank or its agents as part of the Deposit Network Service) in the same capacity in which you hold the funds in your Account(s) at Bank, will be eligible for FDIC deposit insurance or NCUA share insurance, as applicable, in the aggregate up to the Standard Maximum Deposit Insurance Amount (“SMDIA”) in effect under FDIC or NCUA regulations, which is currently $250,000. IT IS YOUR RESPONSIBILITY TO MONITOR THE AGGREGATE BALANCE OF FUNDS YOU BENEFICIALLY OWN AT EACH NETWORK BANK TO DETERMINE WHETHER THE AGGREGATE BALANCE EXCEEDS THE SMDIA AND TO TAKE APPROPRIATE ACTION REGARDING THE FUNDS YOU OWN OUTSIDE YOUR ACCOUNT AT A NETWORK BANK. IF THE AGGREGATE AMOUNT OF FUNDS THAT YOU BENEFICIALLY OWN AT A NETWORK BANK EXCEEDS THE SMDIA, AND THAT NETWORK BANK WERE TO FAIL, YOU MAY BE SUBJECT TO A LOSS OF FUNDS IN EXCESS OF THE SMDIA. If you determine the aggregate balance of your funds at a Network Bank may exceed the SMDIA, then upon your request to customer service (see contact information below), Bank will use reasonable efforts to limit or lower the amount of your funds held, or avoid holding your funds, at such Network Bank. In order to help you monitor your deposits, a current list of Network Banks will be available on the Platform App.
Bank and its agents will maintain records of the balance that each depositor of Bank beneficially holds at each Network Bank. The use of the Deposit Network Service will not modify the Funds Availability Policy that is part of this Agreement. Subject to the terms of the Funds Availability Policy, your access to the funds in your Account will not be affected by Bank’s participation in a Deposit Network Service.
**Abandoned or Inactive Accounts**. Applicable state unclaimed property laws govern when accounts are considered abandoned. Your Account is usually considered abandoned if you have not made a deposit or withdrawal, or signed in to your online Account, for a specified period of time. We are required by the unclaimed property laws to turn over accounts considered abandoned to the applicable state. Before we turn over an abandoned account, we may send a notice to you by e-mail or the address we show for the account statement. Unless prohibited by law, we may charge to your Account our costs and expenses of any notice, payment and turnover of the remaining balance of your Account to the applicable state.
**FDIC Insurance**. For any deposit accounts you open, the FDIC requires Bank to disclose, and you hereby acknowledge, that deposits held by Bank are insured up to $250,000 federal deposit insurance limit, per depositor for each ownership category.
**Account Owner Representations and Warranties**. By requesting, activating or using the Account or Card or by retaining, using or authorizing the use of the Account or Card, the owner of the Account represents and warrants to us that: (a) Account owner has received a copy of this Agreement and agrees to be bound by and to comply with this Agreement; (b) the personal information that the Account owner provides to us in connection with the Account is true, correct and complete; and (c) the Account and Card will only be used for personal, family or household purposes.
**Our Relationship with You**. This Agreement and the relationship between you and the Bank is that of debtor and creditor, and the Bank owes no fiduciary duty to you. The products and services offered by Platform are not endorsed or guaranteed by Bank and Bank assumes no liability for the Platform's products and services, except for those services expressly provided for in this Agreement. You understand that Platform and Bank are not partners, affiliates or joint venturers with each other. Nothing in this Agreement is intended to be read or understood as making Platform and Bank partners, affiliates or joint venturers or impose any liability as such on either of them. Unless otherwise expressly stated in this Agreement, Platform has no authority to act or represent Bank in any way. Bank provides the services under this Agreement in part through one or more service providers, including Platform. You agree that Platform and any other such service providers are third-party beneficiaries of this Agreement, which means they can enforce the Agreement against you.
**Standard of Care; Limitation of Liability**. Our liability for losses you incur in connection with your Account is limited to actual damages proved that are proximately caused by our failure to exercise ordinary care or comply with this Agreement.
We will have no liability for acting on instructions from you, or instructions we believe in good faith to be from you. We will have no liability for declining to act on instructions whose authenticity or accuracy cannot be verified to our satisfaction, or for not acting on instructions not actually received. Except as otherwise expressly provided in this Agreement or as otherwise required by applicable law, we, our affiliates, and the parties with whom we and our affiliates contract in order to offer your Account and related services are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to your Account, Card, any products or services purchased using the Account, or this Agreement (as well as any related or prior agreement you may have had with us).
Without limiting the foregoing, we will not be liable for and will be excused from failing to act or delay in acting if such failure or delay is caused by legal constraint, interruption of transmission or communications facilities, equipment failure, war, act of terror, emergency conditions, or other conditions beyond our control. To the extent allowed by law, we not be liable for and will be excused from failing to process or any delay in processing a transfer of funds (i) if, in our sole discretion, processing a transfer would violate or contribute to the violation of any law, regulation or regulatory requirement; or (ii) if processing a transfer, in our sole discretion, would cause it to engage in an unsafe and unsound practice.
Except if another provision of this Agreement requires a shorter time period, any claim, action or proceeding by you to enforce the terms of this Agreement or to recover for any Account-related loss must be commenced within one year from the date that the event giving rise to the claim, action or proceeding first occurs.
You agree to cooperate with us in any loss recovery efforts we undertake to reduce any loss or liability that arises in connection with the Account.
This Section shall survive termination of this Agreement.
**Adjustments**. If we make an error in your favor by excessively crediting or insufficiently debiting your Account for any reason, including, without limitation, the giving of cash or credit in excess of a corresponding account debit, you agree that you immediately owe us the amount in error, whether you relied on the error or not, and that we may debit your Account for the amount in error.
**Indemnification**. You will indemnify and defend us and our officers, directors, employees, agents, and representatives, and hold each of them harmless, against suit, judgment, asserted claim, demand, excise taxes, claims, liabilities or losses, including fees of counsel, interest and other expenses, arising directly or indirectly from your Account, Card, our performance under this Agreement, your breach of your obligations under this Agreement, your instructions, actions or omissions, or the instructions, actions or omissions of third parties whom you have permitted to direct, manage, view or otherwise act or omit to act in connection with your Account, except to the extent the claim, liability or loss arises out of our failure to exercise ordinary care or comply with this Agreement. If we and our officers, directors, employees, agents or representatives are entitled to indemnification under this Agreement, we will give you notice of the claim and any further pleadings, communication or other information connected with it. You shall defend us, and our officers, directors, employees, agents, and representatives, or pay for the cost of our defense, as we or our officers, directors, employees, agents or representatives shall elect. The parties shall cooperate for the cost-effective defense of the claim, and we and our officers, directors, employees, agents and representatives will not settle any claim for which indemnification is demanded without your consent. This provision shall survive termination of this Agreement.
**Right to Set Off**. If your Account balance becomes and remains negative, we can use the funds in any of your accounts with us to repay the negative balance in your Account without any further notice or demand. Moreover, we have the right to set-off against any account you have with us any liability, direct or contingent, past, present or future that you owe us, including, but not limited to, any such liability you owe us under this Agreement. If your Account is held jointly, that is, if there is more than one account owner, we may offset funds for the debt of any one of the joint owners. Similarly, we may also set-off funds from the individual accounts of any one of the joint owners to satisfy obligations or debts in the joint account. Further, you grant us a lien on and security interest in the funds on deposit in each of your accounts as security for all of your liabilities and obligations to us, now or in the future. You may not grant a security interest in your Account to anyone other than us without our written agreement.
**Claims of Loss**. If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your Account, the transaction, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. You agree that you will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them. Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.
**No Warranty of Availability or Uninterrupted Use**. From time to time, services related to the Platform App or the Account may be inoperative. When this happens, you may be unable to access the Platform App, and you may be unable to use the Account or obtain information about the Account. Please notify us if you have any problems using the Account or Platform App. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts. To the fullest extent permitted by law, we do not make any warranties of any kind related to the Platform App, either express or implied, including but not limited to, implied warranties of merchantability or fitness for a particular purpose.
**Amendment**. Except as otherwise required by applicable law, we may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the Platform App, and any such amendment will be effective upon such posting to the website. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, we may implement it without prior notice.
**Customer Service**. For customer service or additional information regarding your Account, please contact Platform at:
Email: [support@grabrfi.com](mailto:support@grabrfi.com)
Hours. Customer Service agents are available to answer your calls:
Eastern Time: Monday through Friday: 24 hours a day, 7 days a week
Central Time: Monday through Friday: 24 hours a day, 7 days a week
Pacific Time: Monday through Friday: 24 hours a day, 7 days a week
**Communications About Your Account**. You agree that we may contact you by phone, text message, email, or mail to service your Account. You agree to provide us accurate contact information. You agree that we may contact you at any phone number, email address, or mailing address that you provide us. When you give us a phone number, you expressly consent that we and our agents may contact you by phone call or text message at that phone number. You agree that we may leave you prerecorded messages and that we may use automated telephone dialing systems when contacting you by phone call or text message at any number you provide us. You agree that we may monitor, record, and retain your communications with us at any time in accordance with applicable law.
**Arbitration**. **PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. IN THIS ARBITRATION PROVISION, "WE," "OUR" AND "US" REFER TO BANK AND PLATFORM. THIS ARBITRATION PROVISION PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR’S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.**
a) Agreement to Arbitrate. Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the Account, Card or our services; iii) your use of the Account, Card or our services; iv) the amount of funds held in the Account; v) advertisements, promotions or oral or written statements related to the Account or our services; vi) the benefits related to the Account, Card or our services; or vii) transactions made using the Account, Card or our services, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16). The arbitration shall occur in the state of California.
b) ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
c) For a copy of the procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335 Madison Avenue, New York, NY 10017, or at [www.adr.org](http://www.adr.org).
d) All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.
e) NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
f) This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Account, or any amounts owed on your Account, to any other person or entity; or iv) closing of the Account. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.
g) IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, YOU MUST NOTIFY PLATFORM WITHIN SIXTY (60) DAYS FROM THE DATE YOU ENTER INTO THIS AGREEMENT AT [support@grabrfi.com](mailto:support@grabrfi.com), TO CLOSE THE ACCOUNT AND REQUEST A REFUND, IF APPLICABLE.
h) Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator and any administrative fees charged by the arbitrator according to the rules and procedures of the arbitrator. We will also pay or reimburse you for all or part of other arbitration fees, if the arbitrator determines there is good reason to do so, and we will pay any fees and costs, which we are required to pay by law or by the rules and procedures of the arbitrator. In addition, in the event that you receive an arbitration award that is greater than our last written settlement offer, the arbitrator shall have the discretion to require us to pay your attorneys’ fees and costs. Otherwise, each party will bear its own attorneys’ fees and costs, regardless of who prevails.
i) The arbitrator’s decision is final and binding on the parties, except for any right of appeal provided by the Federal Arbitration Act. Costs will be allocated in the same way as costs are allocated in arbitration by a single arbitrator. A final and binding award is subject to judicial review only as provided by the Federal Arbitration Act. An arbitration award will be enforceable under the Federal Arbitration Act by any court having jurisdiction.
**Governing Law.** Except to the governed by federal law, this Agreement shall be governed by the laws of the State of California.
**Termination.** We and you each may terminate this relationship unilaterally at any time upon notice. We may suspend your Account, Card or this Agreement at any time. To close your Account and Card and terminate this Agreement, please contact us through Platform at the customer service contact information set forth in this Section L above. For you to close your Account, your Account must not have a negative balance or any holds on funds in the Account. When you close your Account and Card, all outstanding items will be processed and posted to your Account or returned unpaid. Upon termination, Bank will return to you any remaining funds in the Account in a check mailed to your address on file associated with the Account, provided that you may request the balance to be returned to an external account that you have maintained, including any linked bank account, such request to be granted in our discretion. Allow at least fourteen (14) days for processing of any such balance return. You agree that we require a reasonable amount of time to make your cancellation effective after you give us notice of cancellation. We will not be liable for any loss or damage that may result from not honoring any items we receive after your Account is closed. All cards and linked bank accounts will be disconnected and no longer available to use in connection with the Account. Your cancellation of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to the effective date of your cancellation. You understand and acknowledge that even after executing this Agreement and opening an Account, Bank has the right to close your Account and terminate this relationship, and you will have no right to compel Bank to grant access to Bank services, either initially or after an Account is opened. If you terminate your relationship with Platform, the Account will automatically be closed.
Regent Bank, member FDIC, is the issuer of the Card pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.
**Fee Schedule**
Your GrabrFi Consumer USD Account may be subject to certain fees. The table below outlines the current fees that apply. We may update these fees from time to time, and if we do, we’ll notify you as required by law.
| **Fee Description** | **Amount** |
| --- | --- |
| **Account opening fee** | $0.00 |
| **Monthly maintenance fee** | $0.00 |
| **Account closing fee (if balance is $0 or over $20.00 USD)** | Free |
| **Account closing fee (if balance is between $0.01 and $20.00 USD)** | Remaining balance applied as closing fee |
| **Physical check fee** | $20.00 |
| **Same-day incoming ACH** | $0.00 |
| **Standard incoming ACH** | $0.00 |
| **Add money via linked third-party ACH** | $0.00 |
| **Same-day outgoing ACH** | 0.3% of amount sent (min $1, max $5 USD) |
| **Return fee for misdirected ACH** | $1 USD |
| **US domestic incoming wire** | $5 USD |
| **US domestic outgoing wire** | $15 USD |
| **International incoming wire** | $20 USD |
| **ATM withdrawal (International US Debit Card)** | $0.00 |
| **Foreign transaction fee** | 1.5% |
| **QR payments - Argentina** | $0 |
| **QR payments - Brazil** | $0 |
| **QR payments - Bolivia** | $0.10 USD |
| **QR payments - Colombia** | $0.10 USD |
| **QR payments - Peru** | $0.50 USD |
| **Physical card shipping - Argentina** | $21.99 USD |
| **Physical card shipping - Brazil** | $21.99 USD |
| **Physical card shipping - Colombia** | $17.99 USD |
| **Physical card shipping - Mexico** | $17.99 USD |
| **Physical card shipping - Other countries** | $11.99 USD |
| **Withdrawals to local currency - Argentina** | $5 USD |
| **Withdrawals to local currency - Bolivia** | $2 USD |
| **Withdrawals to local currency - Colombia** | $2 USD |
| **Withdrawals to local currency - Mexico** | $2 USD |
| **Withdrawals to local currency - Peru** | $2 USD |
| **Withdrawals to local currency - Nigeria** | $1 USD |
| **Withdrawals to local currency - Brazil** | $0.00 |
| **Withdrawals to local currency - Uruguay** | $2.99 USD |
| **Stablecoin transfers to/from checking account (except USDT)** | 1% of the transfer amount + $1 USD |
| **Stablecoin USDT transfers to/from checking account** | 1.1% of the transfer amount + $1 USD |
| **Incoming USDC to wallet** | Free |
| **Incoming USDT to wallet** | 0.1% conversion fee |
| **Outgoing USDC or PYUSD from wallet** | 1% + $1 |
| **Outgoing USDT from wallet** | 1.1% + $1 |
| **Incoming ACH to wallet** | Free |
| **Incoming wire to wallet** | $15 USD |
| **Transfer from USD checking account to stablecoin wallet** | Free |
| **Transfer from Stablecoin wallet to USD checking account** | 1% + $1 |
| **Transfer from Stablecoin Wallet to Boost Wallet** | Free |
| **Transfer from Boost Wallet to Stablecoin Wallet** | Free |
[EN - Consumer Checking Account Agreement 2026.docx.pdf1.17 MB](https://helpcenter-io.s3.amazonaws.com/attachments/grabrfi/L3dhm4bIahL0OyomZNN0c8xTiQDRn6zyQjZryc0h-EN%20-%20Consumer%20Checking%20Account%20Agreement%202026.docx.pdf)
---
Source: https://help.grabrfi.com/en/content/privacy-notice-en
# Privacy notice
_Category: Legal_
PDF file of the GrabrFi privacy notice.
[GrabrFi (Synctera Privacy Notice - 2026).pdf287.02 KB](https://helpcenter-io.s3.amazonaws.com/attachments/grabrfi/4YOo2MOhVL59xetfCaJabW1m4a5GhqH3wta01Otc-GrabrFi%20%28Synctera%20Privacy%20Notice%20-%202026%29.pdf)
---
Source: https://help.grabrfi.com/en/content/grabrfi-boost-wallet-rewards-terms
# GrabrFi Boost Wallet Rewards Terms
_Category: Legal_
**Last Updated:**March 9th, 2026
# **1. Overview**
These GrabrFi Boost Wallet Rewards Terms (**“Rewards Terms”**) govern your participation in the Boost Rewards program (the “Program”), a promotional incentive offered by Grabr Inc. (“Grabr,” “GrabrFi,” “we,” or “us”) to eligible users who hold USDB in their Boost Wallet.
***The Program is a promotional incentive funded by GrabrFi. Rewards are not interest, yield, investment returns, or any form of guaranteed income. Your Boost Wallet is not a deposit account, savings account, or investment account.***
# **2. Definitions**
**“Boost Wallet”** means a stablecoin wallet within the GrabrFi platform that holds USDB and is eligible for the Boost Rewards program. The Boost Wallet is functionally similar to the standard GrabrFi stablecoin wallet, subject to the same custody, transfer, and infrastructure arrangements described in the GrabrFi Stablecoin Wallet and Transfer Terms. The Boost Wallet is not a bank account, deposit account, or investment account. You do not hold or control private keys associated with the Boost Wallet. The additional feature of the Boost Wallet is eligibility for promotional Rewards on your USDB balance, as described in these Rewards Terms.
**“USDB”** means the USD-backed stablecoin supported by GrabrFi for participation in this Program. USDB is a digital asset, not legal tender, and not a bank deposit.
**“Rewards”** means the promotional amounts of USDB credited to your Boost Wallet by GrabrFi under this Program. Rewards are not interest, yield, dividends, or investment returns.
**“Rewards Rate”** means the annualized rate at which Rewards accrue, as determined by GrabrFi in its sole discretion and displayed in the GrabrFi app.
**“Snapshot”** means the point-in-time balance check used to calculate daily Rewards accrual, taken at approximately 00:00 UTC each day.
**“Payout Date”** means the date on which accrued Rewards for a given calendar month are distributed to eligible users.
# **3. Relationship to Other Terms**
These Rewards Terms supplement and are incorporated into the [GrabrFi Terms of Use](https://help.grabrfi.com/en/content/terms) (the “Terms of Use”), and the [GrabrFi Stablecoin Wallet and Transfer Terms](https://help.grabrfi.com/en/content/grabrfi-stablecoin-transfer-terms) (the “Stablecoin Terms”).
If there is a conflict between these Rewards Terms and the Terms of Use or Stablecoin Terms, these Rewards Terms control solely with respect to the Boost Rewards program. All other provisions of the Terms of Use and Stablecoin Terms remain in full force and effect.
**Clarification regarding the Stablecoin Terms.**Section 5 of the GrabrFi Stablecoin Wallet and Transfer Terms provides that stablecoins held on your behalf “do not accrue interest or yield.” The Boost Rewards program does not constitute interest or yield. Rewards under this Program are a separate promotional incentive funded by GrabrFi at its sole discretion, and the existence of the Program does not modify or contradict the provisions of Section 5 of the Stablecoin Terms. For the avoidance of doubt, the Boost Rewards program is governed exclusively by these Rewards Terms.
By participating in the Program, you acknowledge that you have read, understood, and agree to be bound by these Rewards Terms, the Terms of Use, and the Stablecoin Terms.
# **4. Eligibility**
To participate in the Program, you must:
- Have a fully verified GrabrFi account in good standing, including completion of all required Know Your Customer (KYC) and Anti-Money Laundering (AML) verification steps;
- Hold USDB in your Boost Wallet;
- Not be a resident of, or located in, the United States, Vietnam, any member state of the European Economic Area (EEA), any sanctioned or restricted jurisdiction (as defined by OFAC, the EU, or other applicable laws), or any jurisdiction where USDB is not available through GrabrFi; and
- Not have your account suspended, restricted, or under investigation.
GrabrFi reserves the right to modify eligibility criteria at any time. If you become ineligible, your participation in the Program will be paused. During such period, no new Rewards will accrue.
# **5. Enrollment and Opt-Out**
**Enrollment.**The Program is automatic. If you are eligible and hold USDB in your Boost Wallet, you will begin accruing Rewards without any separate enrollment step.
**Opt-Out.**You may stop participating in the Program at any time by moving your USDB out of your Boost Wallet. No Rewards will accrue on days when your Boost Wallet balance is zero or below the minimum earning threshold at the time of the daily Snapshot.
**Re-enrollment.**If you move USDB back into your Boost Wallet after opting out, Rewards will resume accruing from the next applicable Snapshot.
# **6. Rewards Calculation**
**Daily Accrual.**Rewards accrue on a daily basis. Each day, a Snapshot of your Boost Wallet USDB balance is taken at approximately 00:00 UTC. The exact time may vary. If your balance at the time of the Snapshot meets the minimum earning threshold, Rewards accrue for that day.
**Daily Calculation.**
Daily Reward = Snapshot Balance × (Rewards Rate / 365)
You must hold a qualifying USDB balance in your Boost Wallet at the time of at least one daily Snapshot to accrue Rewards for that day.
**Compounding.**Rewards are paid in USDB to your Boost Wallet. If you keep Rewards in your Boost Wallet, the new balance (including previously distributed Rewards) will be included in future daily Snapshots. This means Rewards effectively compound month-over-month upon distribution.
**Partial Months.**If you begin holding USDB in your Boost Wallet mid-month, you will earn Rewards on a pro-rata basis for each day you hold a qualifying balance at the time of the Snapshot.
**Rounding.**Rewards calculations are rounded down to the nearest $0.01 USD equivalent.
# **7. Rewards Rate**
**Variable Rate.**The Rewards Rate is variable and is determined by GrabrFi in its sole discretion. The Rewards Rate may change at any time, with or without prior notice. Changes take effect immediately upon update.
**Transparency.**The current Rewards Rate is displayed in the GrabrFi app at all times. GrabrFi may, but is not obligated to, notify users of changes to the Rewards Rate via email or in-app notification.
**No Guarantee.**GrabrFi does not guarantee any specific Rewards Rate, minimum rate, or rate methodology. The rate may be reduced to zero or the Program may be suspended or discontinued at any time in accordance with Section 12.
# **8. Payout Schedule**
**Accrual Period.**Rewards accrue daily throughout each calendar month.
**Distribution.**GrabrFi targets distribution of Rewards by the 10th of the month following the accrual period. For example, Rewards accrued during January are targeted for distribution by approximately February 10.
**Delays.**Reward distribution is subject to GrabrFi receiving funds from its service providers and partners. If GrabrFi experiences delays in receiving funds, GrabrFi reserves the right to delay Reward distribution accordingly. In such cases, GrabrFi will use commercially reasonable efforts to distribute Rewards within five (5) business days of receiving the applicable funds, but in no event later than the last business day of the month following the accrual period.
**No Obligation to Pay Early.**GrabrFi is not obligated to distribute Rewards earlier than the timeline described above. Rewards are not considered earned or owed to you until they are distributed to your Boost Wallet.
# **9. Minimum Payout Threshold**
Rewards are distributed only if the total accrued amount for the calendar month equals or exceeds $0.01 (one cent) USD equivalent. If accrued Rewards for a given month fall below this threshold, they are forfeited and are not carried forward to the next month.
To accrue the minimum distributable amount at current rates, you must hold a sufficient USDB balance in your Boost Wallet at the time of the daily Snapshot throughout the month. The approximate minimum balance required will vary based on the current Rewards Rate and is displayed in the GrabrFi app.
# **10. No Lock-Up; Withdrawals**
There is no lock-up period. You may deposit USDB into or withdraw USDB from your Boost Wallet at any time, subject to the terms and conditions of the GrabrFi Stablecoin Wallet and Transfer Terms.
There is no maximum balance eligible for Rewards.
Withdrawals do not retroactively affect Rewards already accrued for prior days. However, a withdrawal that reduces your Boost Wallet balance before the daily Snapshot will reduce or eliminate Rewards accrual for that day and subsequent days.
# **11. Account Closure and Forfeiture**
**Voluntary Closure.**If you voluntarily close your GrabrFi account, any Rewards that have accrued but not yet been distributed will be calculated and paid out in the next scheduled distribution cycle, subject to any applicable fees and the minimum payout threshold.
**Involuntary Closure or Restriction.**If your account is closed, suspended, or permanently restricted by GrabrFi due to fraud, Anti-Money Laundering (AML) violations, breach of the GrabrFi Terms of Use, or other Terms of Service violations, any accrued but unpaid Rewards are forfeited at GrabrFi’s sole discretion.
**Death or Incapacity.**In the event of a user’s death or legal incapacity, accrued but unpaid Rewards will be handled in accordance with the account closure provisions of the GrabrFi Terms of Use and applicable law.
# **12. Program Changes, Suspension, and Termination**
GrabrFi reserves the right to modify, suspend, or discontinue the Boost Rewards program, in whole or in part, at any time and for any reason.
**Notice.**Where required by applicable law, GrabrFi will provide advance notice of material changes to the Program via email or in-app notification. Your continued participation in the Program after such notice constitutes acceptance of the modified terms.
**No Vested Rights.**Participation in the Program does not create any vested right to receive Rewards. Past Rewards are not a guarantee of future Rewards.
# **13. Tax Responsibility**
You are solely responsible for determining and fulfilling any tax obligations arising from Rewards received under the Program, including reporting Rewards as income in your jurisdiction of residence.
GrabrFi does not provide tax advice. You should consult your own tax advisor regarding the tax treatment of Rewards received.
GrabrFi does not withhold taxes on Rewards distributed to non-US users. GrabrFi may provide transaction records to assist with tax reporting but is not obligated to issue tax documents.
# **14. Risks and Disclaimers**
By participating in the Program, you acknowledge and accept the following:
**Not a Deposit or Investment.**Boost Rewards are a promotional incentive funded by GrabrFi. They are not interest, yield, dividends, or investment returns. Your Boost Wallet is not a bank account, deposit account, savings account, or investment account.
**No Insurance.**USDB balances in your Boost Wallet, including any Rewards, are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other government or private deposit insurance program.
**Stablecoin Risks.**USDB is a digital stablecoin, not legal tender. The value of USDB may fluctuate and may not always maintain a 1:1 peg to the US dollar. You bear all risks associated with holding digital assets, including blockchain risks, issuer risks, regulatory risks, and technology risks as described in the GrabrFi Stablecoin Wallet and Transfer Terms.
**Variable Rewards.**The Rewards Rate is variable and may decrease or be set to zero at any time. GrabrFi may reduce, suspend, or discontinue Rewards without prior notice except where required by law.
**No Guarantee.**GrabrFi makes no representations or warranties regarding the availability, continuity, or amount of Rewards. The Program is offered “as is” and “as available.” Past Rewards do not guarantee future Rewards.
**Third-Party Dependency.**The Program relies on GrabrFi receiving payments from third-party service providers. GrabrFi is not liable for delays or failures caused by third parties.
# **15. Limitation of Liability**
To the fullest extent permitted by applicable law:
GrabrFi’s total liability for any claim arising out of or relating to the Program shall not exceed the total amount of Rewards actually distributed to you in the twelve (12) months preceding the claim.
GrabrFi shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from the Program, including loss of expected Rewards, loss of data, or loss of access.
Nothing in this section limits any liability that cannot be excluded or limited under applicable law.
# **16. Prohibited Uses and Anti-Abuse**
You agree not to manipulate, game, or abuse the Program, including but not limited to:
- Artificially inflating your Boost Wallet balance at or around Snapshot time and withdrawing shortly after;
- Using multiple accounts to maximize Rewards accrual;
- Using automated systems, bots, or scripts to time deposits or withdrawals around Snapshots; or
- Any other activity that GrabrFi determines, in its sole discretion, is intended to exploit the Program.
If GrabrFi determines that you have engaged in abusive or manipulative behavior, GrabrFi may, at its sole discretion: (a) forfeit accrued but unpaid Rewards; (b) reclaim previously distributed Rewards by debiting your account; (c) suspend or terminate your participation in the Program; and/or (d) suspend or close your GrabrFi account in accordance with the Terms of Use.
**Calculation Methodology Changes.**GrabrFi reserves the right to modify the Rewards calculation methodology at any time, including switching from a point-in-time Snapshot to a daily average balance method, to mitigate abuse or for any other reason.
# **17. Governing Law and Dispute Resolution**
These Rewards Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Rewards Terms are subject to the same governing law, venue, arbitration, and class action waiver provisions set forth in the GrabrFi Terms of Use.
# **18. Contact Information**
For questions about these Rewards Terms or the Boost Rewards program, contact us at:
[**support@grabrfi.com**](mailto:support@grabrfi.com) or via the in-app support chat.
# **19. Acknowledgment**
By holding USDB in your Boost Wallet and participating in the Boost Rewards program, you acknowledge that you have read, understood, and agree to:
1. These GrabrFi Boost Wallet Rewards Terms;
2. The GrabrFi Terms of Use; and
3. The GrabrFi Stablecoin Wallet and Transfer Terms.
---
Source: https://help.grabrfi.com/en/content/what-can-i-do-we-do-if-my-routing-number-is-not-recognized-by-a-third-party
# What can I do we do if my routing number is not recognized by a third party?
_Category: Transactions and transfers_
If a financial institution or thrid party platform like Remitly fails to acknowledge your routing number, it is most likely due to their validation system not utilizing the most recent edition of the Federal Reserve's bank routing directory. The instituion will need to update their records in such cases.
The best way to get this routing number updated is by contacting the institution directly as their customer.
You cn use the following template to send over to this financial institutions:
*Hi [Institution],*
*I’m attempting to link my bank account through your service, but I’m getting an error message of [insert error message]*.
*It seems like your routing number validation system does not recognize the routing number [insert routing number here]*. *This routing number is valid according to the Federal Reserve's e-payments routing number*[*directory*](https://learn.synctera.com/preview/open/en/6ccdd5cd-a237-48ea-b385-ad332542eeeb/6).
*Could you please help me escalate this to your banking operations team and get this routing number updated?*
*Thank you,*
*[your name here]*
---
Source: https://help.grabrfi.com/en/content/user-transfer-terms
# Instant Transfers Terms of Use
_Category: Legal_
Last updated: July 8th, 2024
Important Notice: Please read this agreement carefully. This Agreement contains important information about Your legal rights, remedies, and obligations. References to “You” or “Your” mean the person(s) who accesses, uses, and/or uses GrabrFi or the Service in any way, and each of their heirs, successors, and assigns. By accessing or using any part of our Service, You are agreeing to this Agreement, and incorporated and referenced documents, including the [GrabrFi Terms of Use](https://help.grabrfi.com/content/terms) and GrabrFi [Privacy Policy](https://help.grabrfi.com/content/grabrfi-privacy-policy-aOrI6).
**Changes to this Agreement.** Subject to applicable law, Grabr reserves the right to modify these Terms at any time. Grabr will provide email notice of any changes to the Terms and we will post the updated version of the Terms on our App. Your continued use of the Services after receiving such notice will evidence your consent to the updated Terms.
**Schedule of Fees.** GrabrFi does not charge fees for using Instant Transfers. Account holders may send and receive Instant Transfers without incurring fees.
To the extent permitted by law, Grabr reserves the right to modify transaction fees at any time via electronic notice. In the event that a change to our transaction fees or terms of service will result in an increase of fees, an increase of liability to our users, fewer types of electronic funds transfers or stricter limitations, you will be notified via email 30 days before the effective date. To view an update-to-date schedule of fees, see GrabrFi Pricing.
Incurred fees will be debited from your account per the terms of your account agreement and will be reflected on your periodic statement.
**Security Procedures**. You will be required to use a Two-Factor Authentication control, in addition to Your login, to authorize sending an Instant Transfer. This control is an appropriate security procedure, designed to verify the authenticity of the order, and not to detect errors in transmission.
**No Cancellation.** All Instant Transfers are final and are unable to be recalled once submitted. Any losses or damages incurred by You due to error or accidental submission may not be recoverable and the Company shall not be held liable for any accidental transactions.
**Sending Funds**
- By authorizing an Instant Transfer, you authorize Grabr to immediately debit your GrabrFi account by the amount specified
- While funds are debited immediately, Your specified receiver may experience a delay in crediting of your funds due to security and anti-money laundering protocols
- Grabr shall incur no liability in the event that an Instant Transfer is unable to be completed due to any reason
- Grabr has the right to request additional information and supporting documentation prior to authorizing Your outgoing Instant Transfer
- If the amount of an Instant Transfer request exceeds Your GrabrFi available balance at the time of submission, the transfer will cancelled
- The receiver of Your Instant Transfer will see Your first name and last initial in the deposit description
- In order to send funds, You must know the username (which starts with $), email address or phone number associated with Your receiver’s GrabrFi account
**Receiving Funds**
- Any Instant Transfer You receive will be deposited to your GrabrFi account
- Any incoming Instant Transfer may be subject to delay and/or reversal at the discretion of Grabr
- Grabr has the right to request additional information and supporting documentation prior to authorizing Your incoming Instant Transfer
- If You receive an Instant Transfer that Grabr determines was invalid for any reason, you hereby authorize Grabr to withdraw the funds from said Instant Transfer
- You have the right to refuse any incoming Instant Transfer. Should You decide to refuse an incoming Instant Transfer, please contact GrabrFi support
**Requesting Funds.**You may request funds via Instant Transfer from any GrabrFi customer. Customers have no obligation to complete any requested funds.
**Limits**
**Sending Limits:**
| Daily | $3,000.00 USD |
| --- | --- |
| Weekly | $10,000.00 USD |
If You wish to increase Your Instant Transfer sending limits, please contact GrabrFi support
Receiving Limits: There are no receiving with Instant Transfer
**Misuse of Instant Transfers**. Grabr reserves the right to close your GrabrFi account should any GrabrFi Terms of Use or GrabrFi Instant Transfers Terms of Use be violated
**Contact Grabr.** If You have any questions, comments, or concerns regarding these terms or the GrabrFi, you may contact us at [support@grabrfi.com](mailto:support@grabrfi.com) or
United States: +1 929-203-5972
Argentina: +54 11 5984-4190
Brazil: +55 11 4673-2043
---
Source: https://help.grabrfi.com/en/content/how-to-make-instant-transfers-between-grabrfi-accounts
# How to make instant transfers between GrabrFi accounts
_Category: Transactions and transfers_
Instant Transfers Are Here! No More Waiting! Our new Instant Transfers feature lets you send money instantly between GrabrFi accounts with zero fees.
Safe, secure, and super fast, here is a step by step tutorial.
#### Step 1: Open the GrabrFi app and go to 'Transfers.'" and click on " “between GrabrFi users”
#### - Step 2: Click on Add recipient, enter the recipient's GrabrFi username and add them as a new recipient
#### -Step 3: Click on “transfer money” after adding them, confirm the amount, hit “Create transfer” and That's it! Your money is transferred instantly 🚀
###
## Here some extra information for you about our instant transfers
Sending limits:
| Daily | $3,000.00 USD |
| --- | --- |
| Weekly | $10,000.00 USD |
There are no receiving limits with instant transfers.
---
Source: https://help.grabrfi.com/en/content/acceptable-use-policy-for-grabrfi-accounts
# Acceptable Use Policy for GrabrFi Accounts
_Category: Legal_
Last update: Oct 22, 2025
## **Introduction**
This Acceptable Use Policy outlines the terms under which users may access and use the services provided by GrabrFi. By accessing or using our Services, you agree to comply with this Policy.
Please check the [Consumer Checking Account Agreement](https://help.grabrfi.com/en/content/consumer-checking-account-agreement) for more information.
**Restricted activities:**
We do not provide support for businesses or transactions associated with the following categories, and such transactions may be rejected. Please note that this list is not exhaustive, and we reserve the right to refuse service to any customers who exceed our risk thresholds.
- **Virtual Currency Activities:** Activities involving or facilitating the purchase, sale, exchange, trade, creation or custody of cryptocurrencies or digital assets are prohibited. You are allowed to use our in-product feature to receive stablecoins from an external crypto wallet and to send stablecoins to an external crypto wallet.
- **Illegal Activities**: Including but not limited to money laundering, terrorism financing, drug trafficking, tax evasion, and other criminal activities, both local and international.
- **Fraudulent Activities:** Using GrabrFi for fraudulent purposes, including phishing, scamming, and misleading practices.
- **Gambling**: Engaging in gambling, particularly in jurisdictions where online gambling is prohibited.
- **Adult Content**: Engaging in payments for, receiving payments from, or distributing adult content.
- **Harm of minors:** Any activity involving the harm or attempted harm of minors in any way.
- **Financial Services**: Any unlicensed financial businesses engaged in activities such as operating money services, including informal currency exchanges, remittance services, and money transmission.
- **High-Risk Activities**: Engaging in activities that GrabrFi deems high-risk, such as high-frequency trading, Ponzi schemes, or pyramid schemes.
- **Trading and Speculative Activities:** Engaging in speculative trading, including margin trading, day trading, high-frequency trading, or trading on behalf of third parties, as well as participating in investment schemes or other high-risk trading activities.
- **Prohibited Goods or Services**: Buying or selling goods or services that are prohibited by GrabrFi, such as weapons, counterfeit items, or drugs.
- **Marijuana-Related Activities:** Using your GrabrFi Account to receive proceeds from, or make payments in connection with, the manufacture, cultivation, distribution, or sale of marijuana or marijuana-related products, including businesses engaged in such activity, regardless of the legal status of marijuana in the applicable state or jurisdiction. This restriction applies even where such activity is legal under state law, as marijuana remains a controlled substance under federal law.
- **Account misuse:** Using your GrabrFi Account in a way that could lead to complaints, disputes, reversals, chargebacks, or other liabilities for GrabrFi, other Customers, third parties, or yourself.
- **Account usage as business:** you may not use your personal GrabrFi account as a business account.
- **Third-party use:** lending or borrowing of the GrabrFi Account by any individual or entity other than the owner.
**Authorized activities**
Activities are considered authorized as long as they do not fall within the scope of the ‘Restricted Activities’ outlined by GrabrFi in this document. It is the responsibility of the customer to ensure that their activities comply with all applicable laws and regulations. GrabrFi reserves the right to review and monitor activities to ensure adherence to these guidelines, and to take necessary actions, including suspension or termination of services, if any activity is found to be in violation of the terms set forth.
- **Payroll and salaries:**Receiving salary or payouts from services provided.
- **Freelancer payments:** Receiving payouts from e-commerce platforms for freelancer work.
- **Transfers to/from Third Parties:**Receiving or sending transfers or deposits to/from friends and family for personal use.
- **Transfers Between Your Own Accounts:**Transferring funds between your own accounts for purposes permitted under the authorized activities outlined in this document.
- **Payments**: Make payments to authorized merchants, service providers, or other users.
- **Direct Debits**: Set up and manage direct debit instructions for regular payments.
- **Investments:** Engaging in investment activities, except for the exchange, trading of cryptocurrencies and high risk trading.
- **In-Product Stablecoin Transfers:** Customers may use our in-product feature to receive stablecoins from an external crypto wallet and to send stablecoins to an external crypto wallet. This is the only supported activity involving cryptocurrency or digital assets when using your GrabrFi account.
## **Monitoring and Compliance**
All activities conducted through GrabrFi will be subject to ongoing monitoring to ensure compliance with our terms and conditions. We may reach out to you to confirm that your activities align with the approved 'use case.' Additionally, we reserve the right to request supporting documents to verify compliance. Failure to provide the requested documentation may result in suspension or termination of services.
## **Enforcement and Consequences**
Violations of this Policy may result in actions including, but not limited to:
- Issue of a warning
- Immediate suspension or termination of your account.
- Reporting of any illegal activities to law enforcement authorities.
- Legal action against you for any damages resulting from your violation of this Policy, including proceedings for reimbursement of all costs on an “all expenses” basis.
## **Reporting Violations**
If you become aware of any violations of this Policy, please report them to us immediately at [support@grabrfi.com](mailto:support@grabrfi.com)
## **Changes to the Policy**
We reserve the right to modify this Policy at any time. Changes will be effective immediately upon posting the updated Policy on our website. Your continued use of the Services after any changes to this Policy constitutes your acceptance of the revised Policy.
## **Contact Information**
If you have any questions or concerns about this Policy, please contact us at:
GrabrFi
201 Spear St, STE: 1100, San Francisco, [CA
support@grabrfi.com](mailto:CAsupport@grabrfi.com)
---
Source: https://help.grabrfi.com/en/content/in-which-countries-can-i-use-grabrfi
# In which countries can I use GrabrFi?
_Category: Security_
GrabrFi is available to residents of [26 countries](https://help.grabrfi.com/en/content/in-what-countries-is-grabrfi-available) and works with most countries worldwide. However, there are some restrictions depending on what you want to do.
**Opening an account** You can open a GrabrFi account if you are a resident of one of our [supported countries](https://help.grabrfi.com/en/content/in-what-countries-is-grabrfi-available).
**Using your debit card** Your global card works in most countries, but there are some regions where card transactions are restricted. See [Where can I use my global card?](https://help.grabrfi.com/en/content/where-can-i-use-my-global-card)
**Sending transfers** You can send transfers to other GrabrFi users regardless of where they are located, as long as neither party is in a [restricted country](https://help.grabrfi.com/en/content/countries-where-grabrfi-is-not-accessible).
**Accessing the website and app** GrabrFi is not accessible from certain countries and networks due to international sanctions and compliance requirements. See the full [list of countries where GrabrFi is not accessible](https://help.grabrfi.com/en/content/countries-where-grabrfi-is-not-accessible).
---
Source: https://help.grabrfi.com/en/content/terms-and-conditions-rappi-coupons-giveaway
# Terms and Conditions "Rappi coupons giveaway"
### Earn Rappi Coupons by Using GrabrFi – Nov 5th to Nov 19th
From November 5 to November 19, we’re giving away exclusive Rappi discount coupons! Complete three qualifying transactions, including withdrawals or deposits of at least $1,000, by November 19th to receive **50% off Rappi Pro for 3 months**. Coupons are limited and will be given to customers who take the qualifying actions listed below on a first-come, first-served basis. Once they're gone, we won’t be able to issue more.
### Promotion Details:
- **What You Get**:
Complete a minimum of three transactions, including at least one withdrawal or deposit of **$1,000 or more**, between November 5 and November 19, 2024 and receive a **50% off Rappi Pro for 3 months**coupon. Qualifying transactions include (any of the following):
1. **Withdrawals from platforms** like Wise, Deel, Payoneer, and more to your GrabrFi account.
2. **Top up your GrabrFi account** using local currency at competitive conversion rates, available in Argentina and Brazil.
3. **Reroute salaries and earnings** in US dollars from platforms like Wise, PayPal, or another service to GrabrFi.
4. **Spend at least $100** on your prepaid virtual debit card or international debit Mastercard.
5. **Withdraw US dollars directly** to Argentine pesos or Brazilian reals.
- **Valid Period**:
Transactions must be completed between November 5 and November 19, 2024. Coupons must be redeemed by November 30, 2024, but the **50% discount is valid for 3 months**once applied.
### Terms and Conditions:
**Eligibility**:
- The campaign is open to all GrabrFi users with active accounts in **Brazil (BR), Argentina (AR), Mexico (MX), and Colombia (CO)**.
- Users must complete at least three qualifying transactions, including one of $1,000 or more, between November 5 and November 19, 2024. to be eligible for the Rappi coupon.
**Qualifying Transactions**:
- **Withdrawals** from platforms like Wise, Deel, and Payoneer to GrabrFi.
- **Top-ups** using local currency (Argentina and Brazil) with competitive conversion rates.
- **Rerouting earnings** in USD from platforms like Wise or PayPal to GrabrFi.
- **Spending at least $100** on your prepaid virtual debit card or international debit Mastercard.
- Make **withdrawals** on GrabrFi from US dollars to Argentine pesos or Brazilian reals.
- *(Any of the above transactions qualify)*
**Coupon Distribution**:
Rappi 50% off for 3 months (Rappi Pro) coupons will be sent via email within five business days after November 19, 2024 to users who meet the criteria.
- Coupons are limited and will be awarded on a first-come, first-served basis to the most active customers. Once they’re gone, we won’t be able to issue more.
**End of Promotion**:
The campaign ends on November 19, 2024. Coupons must be redeemed by November 30, 2024, but the discount is valid for 3 months from the time of redemption.
---
Source: https://help.grabrfi.com/en/content/how-to-collect-your-payments-in-ruul-with-grabrfi-directly-in-usd
# How to collect your payments in Ruul with GrabrFi directly in USD
_Category: Transactions and transfers_
GrabrFi has partnered with Ruul to make invoicing and collecting payments easier than ever for freelancers worldwide!. You get paid in US dollars, your clients can pay with a card or bank transfer in local currency or US dollars
⭐Invoice clients anywhere, get paid worldwide!
⭐Clients can pay in their local currency, You get paid in US dollars.
⭐No more manual invoice and payments, automate your freelancer life
## Here's the tutorial on how to start:
1. First you need to add GrabrFi as a payment method.
Sign up to your account on ruul and click on “payment Accounts” > “add new”
2- Select United stated as “country of the account”, USD as the currency, and “other” as a bank, Lastly type grabrFi as “bank name” and add your account information
Now your account is now ready to automatically receive payments of your clients, directly in USD
3- Now that your payment account has been settled, you can invoice your clients by clicking on “invoices” tab
4- Fill all the information for your client and select your GrabrFi account on “you’ll collect payment in” and make sure the currency of the invoice is in USD.
### **Why use Ruul + GrabrFi?**
| **⭐ Invoice clients anywhere, get paid worldwide!**You can invoice clients in any country and automate the process, saving you valuable time. |
| --- |
| **⭐ Clients pay in their local currency, you get paid in USD.**
Your clients can pay in their local currency, while you receive payments in US dollars, directly to your GrabrFi account. |
| **⭐ Automate your freelance life.**Forget about manual invoices and late payments, Ruul and GrabrFi simplify the process, letting you focus on growing your business. |
---
Source: https://help.grabrfi.com/en/content/file-uploads-supported-formats-and-size-limits
# File uploads: supported formats and size limits
_Category: Account settings and personal information_
To make sure your file upload is successful, please double check your file is in one of the supported formats and does not exceed the file size for your type of upload.
If you cannot proceed to the next step after uploading a file or see an upload error message, please check if your file meets the requirements and try again.
You can use an online service such as [CloudConvert](https://cloudconvert.com/) to convert your file to a supported format or reduce its size by lowering its quality if needed. CloudConvert is based in Germany, subject to the European Union’s data processing laws and gives you the option to delete your file right away after it’s processed. Otherwise, it is automatically deleted from their servers in 24 hours.
💡 iOS devices and some Android devices take photos in the HEIC format. You can convert photos [from HEIC to JPG here](https://cloudconvert.com/heic-to-jpg).
**1. Proof of address:**
Supported formats:
- PNG (.png)
- JPEG (.jpeg or .jpg)
- PDF (.pdf)
Maximum file size: 5 MB
**2. File uploads related to transfers**
You can upload files related to transfers to provide additional details or proof.
Supported formats:
- PNG (.png)
- JPEG (.jpeg or .jpg)
- PDF (.pdf)
Maximum file size: 5 MB
**3. File uploads for customer support**
You can upload files in a variety of formats when reaching out to support so they have all the details to help you faster or to provide information requested by support.
Supported formats:
- Video: MP4 (.mp4), OGG (.ogg), FLV (.x-flv), QuickTime (.mov), WEBM (.webm)
- Image: PNG (.png), JPEG (.jpeg or .jpg)
- Text: Plain Text (.txt)
- Documents: PDF (.pdf)
Maximum file size: 30 MB
---
Source: https://help.grabrfi.com/en/content/ai-assistant-terms-of-use
# AI Assistant Terms of Use
_Category: Legal_
The GrabrFi AI Assistant is designed to provide general information and answer basic questions about our services. While we strive to ensure the accuracy and relevance of the information provided, the Virtual Assistant may occasionally offer incomplete, irrelevant, or incorrect information.
Please note:
1. The AI Assistant’s responses are not legally binding and do not constitute professional advice, financial guidance, or an official statement from GrabrFi.
2. For specific questions about your account, transactions, GrabrFi services, or other important matters, please contact our customer support team directly through our official channels.
3. GrabrFi is not liable for any decisions or actions taken based on information provided by the Virtual Assistant.
By using the AI Assistant, you acknowledge and agree to these terms.
---
Source: https://help.grabrfi.com/en/content/how-to-withdraw-to-local-currency-argentina-colombia-and-brazil
# How to Withdraw to Local Currency (Argentina, Bolivia, Brazil, Colombia, Peru, Mexico, Nigeria and Uruguay)
_Category: How to withdraw to local currency_
Use this guide to understand how to transfer your USD from GrabrFi to local bank accounts across Latin America and Africa. This feature allows you to withdraw funds through secure transfers with high limits across seven key markets.
### **Local Withdrawals: Fees & Limits at a Glance**
| **Country** | **Local Currency** | **Method** | **Fee (USD)** | **Daily Limit** |
| --- | --- | --- | --- | --- |
| **Brazil** | BRL (Real) | Pix | **$0 (Free)** | **$5,000** |
| **Argentina** | ARS (Peso) | CBU/CVU | **$5.00** | **$5,000** |
| **Colombia** | COP (Peso) | Nequi, PSE, Bre-B | **$2.00** | **$5,000** |
| **Mexico** | MXN (Peso) | CLABE | **$2.00** | **$5,000** |
| **Peru** | PEN (Sol) | CCI | **$2.00** | **$5,000** |
| **Bolivia** | BOB (Boliviano) | Local Bank | **$2.00** | **$5,000** |
| **Nigeria** | NGN (Naira) | Local Bank | **$1.00** | **$5,000** |
| **Uruguay** | UYU (Peso) | Local Bank | **$5.00** | **$5,000** |
#### **1. What is the GrabrFi local withdrawal service?**
The local **withdrawal** feature allows you to **withdraw to local currency** by sending funds directly to a bank account in your home country. By using local payment rails (like Pix in Brazil or CLABE in Mexico), we bypass expensive international wire fees, making it the most cost-effective way to access your money.
#### **2. What are the limits to withdraw to local currency?**
As of 2026, we have standardized our [limits](https://help.grabrfi.com/en/content/limits-for-in-app-top-ups-and-withdrawals-to-local-currency?ref=is&_q=limit) to provide better flexibility:
- **Daily Withdrawal Limit:** $5,000 USD
- **Per-Transaction Limit:** $5,000 USD
- *Note: These limits apply to the total amount sent within a 24-hour window.*
#### **3. How do I start a withdrawal to my local bank?**
To **withdraw to local currency**, follow these steps:
1. Open the GrabrFi app and go to the **"Transfers"** tab.
2. Select **"Withdraw to local currency"**
3. Choose your destination country (ARS, BOB, BRL, COP, MXN, NGN, PEN, UYU).
4. Enter the amount (Up to $5,000 USD).
5. Input the recipient's bank details (e.g., CBU/CVU, Pix, CLABE, or CCI).
6. Review the guaranteed exchange rate and click **Confirm**.
#### **4. Can I cancel a withdrawal?**
You can request a cancellation, but it is only possible if the transfer has not been processed yet. Once the status moves to "Processing" or "Sent," the funds have already entered the banking system and can no longer be stopped.
#### **5. What happens if my transaction is rejected?**
If you attempt to **withdraw to local currency** and the transaction is rejected by the receiving bank (due to incorrect info or account limits), you will receive a refund to your GrabrFi balance. Please note that a **$10 USD rejection fee** is deducted from the refund amount by the processing bank.
#### **6. Is the exchange rate for the withdrawals guaranteed?**
Yes. When you initiate a **local transfer,** the app displays a real-time exchange rate. Once you confirm the transaction to **withdraw to local currency**, that rate is "locked in." You will receive the exact amount of local currency shown on the final review screen.
#### **7. How long does a local withdrawal take to arrive?**
- **Brazil:**Usually near-instant or same-day via Pix.
- **Mexico, Colombia, Argentina, Peru, Bolivia, Nigeria, Uruguay:**Often same-day or within 24 hours.
---
Source: https://help.grabrfi.com/en/content/which-documents-do-we-accept-as-proof-of-address
# Which documents do we accept as proof of address?
_Category: Account settings and personal information_
**Tips to verify your proof of address**
- Make sure the document shows **your full legal name and address** and they match the details you provided during signup
- Keep all four corners of your document clearly visible and make sure it is sharp, clear and easy to read
- Avoid blurs, glare or shadows
We may ask you to verify your address during your account application to comply with banking regulations. To make this easy for you, we accept 2 categories of documents as proof of address:
- Standard, universal documents that are accepted across all countries where GrabrFi operates
- Country-specific documents
## Documents accepted in all countries
We accept the following documents as proof of address in all countries where we operate:
- Government-issued ID or official document showing your name and address
- Bank statement or letter (issued within the last 3 months)
- Bill for gas, electricity, water or another utility
- Bill for phone, TV or home internet
- Tax bill (issued within the last 3 months)
- Card statement
- Mortgage statement
- Government benefit letter
- Lease agreement with landlord and tenant signatures
- Rent bill from a real estate rental agency
- Letter from a recognized public authority (issued within the last 3 months)
- Employer's proof of address certificate
## Country-specific documents
- [Argentina](https://help.grabrfi.com/content/poa#argentina)
- [Bolivia](https://help.grabrfi.com/content/poa#bolivia)
- [Brazil](https://help.grabrfi.com/content/poa#brazil)
- [Canada](https://help.grabrfi.com/content/poa#canada)
- [Chile](https://help.grabrfi.com/content/poa#chile)
- [Colombia](https://help.grabrfi.com/content/poa#colombia)
- [Germany](https://help.grabrfi.com/content/poa#germany)
- [Dominican Republic](https://help.grabrfi.com/content/poa#dominican-republic)
- [Ecuador](https://help.grabrfi.com/content/poa#ecuador)
- [Spain](https://help.grabrfi.com/content/poa#spain)
- [France](https://help.grabrfi.com/content/poa#france)
- [United Kingdom](https://help.grabrfi.com/content/poa#united-kingdom)
- [Ghana](https://help.grabrfi.com/content/poa#ghana)
- [Guatemala](https://help.grabrfi.com/content/poa#guatemala)
- [India](https://help.grabrfi.com/content/poa#india)
- [Italy](https://help.grabrfi.com/content/poa#italy)
- [Mexico](https://help.grabrfi.com/content/poa#mexico)
- [Nigeria](https://help.grabrfi.com/content/poa#nigeria)
- [Panama](https://help.grabrfi.com/content/poa#panama)
- [Peru](https://help.grabrfi.com/content/poa#peru)
- [Portugal](https://help.grabrfi.com/content/poa#portugal)
- [Paraguay](https://help.grabrfi.com/content/poa#paraguay)
- [El Salvador](https://help.grabrfi.com/content/poa#el-salvador)
- [United States](https://help.grabrfi.com/content/poa#united-states)
- [Uruguay](https://help.grabrfi.com/content/poa#uruguay)
- [Vietnam](https://help.grabrfi.com/content/poa#vietnam)
### Argentina
- Diplomatic ID
- Documento Nacional de Identidad
- Gobierno de San Luis Cedula de Identidad Provincial Electronica
- Driver license
- Residence permit
- CERTIFICADO DE RESIDENCIA
- Certificado de Domicilio
- Declaracion Jurada De Domicilio
- Documento Provisorio
- Ingresos Brutos Inscripcion
- Tramitación de Ingreso Electrónica TIE24H
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Bolivia
- CẾDULA DE IDENTIDAD
- CÉDULA DE IDENTIDAD DE EXTRANJERO
- Boleta de Luz/Agua/Gas (electricity, water or gas bill)
- Property Tax Receipts (Impuesto a la Propiedad Urbana)
- Certificado de Domicilio (obtained from the police or a local authority)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Brazil
- Consular ID
- Vehicle registration certificate (Certificado de Registro de Veículo)
- Declaration of residence (Declaração de Residência)
- Registration certificate (INSS - INSTITUTO NACIONAL DO SEGURO SOCIAL/CNIS/Dados Cadastrais)
- Unemployment Insurance Application (Requerimento de Seguro Desemprego)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Canada
- ID card with your address on it
- Study permit
- Work permit
- Certificate of vehicle registration (Certificat d'immatriculation)
- Manitoba Registration Card
- Quebec Сarte d’hôpital
- Chile
- Ampliación de solicitud de Residencia Definitiva en trámite
- Carpeta Tributaria Electrónica
- Residence certificate
- A household composition certificate (Cartola Hogar)
- SII Servicio de Impuestos Internos
- Certificado de Residencia (issued by a notary or local municipality)
- Correspondence from AFP or Health Insurers (example: ISAPRE)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Colombia
- Certificado de Empadronamiento
- Residence certificate
- Tax Registry Form (Formulario del Registro Ünico Tributario)
- Predial (property tax statement)
- EPS (health insurance provider correspondence)
[Documents accepted in all countries](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Germany
- Residence permit card
- Personalausweis
- Vorläufer Personalausweis
- Amtliche Meldebestätigung für die Anmeldung
- A letter from the German Retirement Fund
- Criminal record (Führungszeugnis)
- Vehicle regitstration certificate (Zulassungsbescheinigung)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Dominican Republic
- Consul ID
- CÉDULA DE IDENTIDAD
- Driver license
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Ecuador
- Consul ID
- Driver license
- Registration certificate
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Spain
- ID Card
- Residence permit
- Certificado de Inscripción Padronal
- COMUNICACIÓN DE PAGO DE DEVOLUCIÓN (Agencia Tributaria)
- Residence certificate
- Letter from Ayuntamiento De Sonseca
- Carpeta Ciudadana statement
- Vehicle registration certificate
- Certificado de registro de ciudadano de la Union
- Informe de vida laboral (the work life report)
- Servicio navarro de empleo (demand of employment)
- Titulo de Familia Numerosa
- Valdepeñas (Registration certificate)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### France
- Passport
- Service passport
- Carte nationale d'identité
- Refugee travel document
- Residence permit card
- Residence permit renewal receipt
- Temporary residence permit
- Récépissé constatant la reconnaissance d'une protection internationale
- Old-style driver's license
- Driver's license issued in the French part of the island of Saint Martin
- Driver's license issued in the French Polynesia
- Travel document for foreign minors
- Asylum application certificate
- Carte familles nombreuses
- Attestation de décision favorable sur une demande de renouvellement de titre de séjour
- Attestation de recensement
- Avis de contravention
- Ministère de la Justice Bulletin Numero 3
- Vehicle registration certificate
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### United Kingdom
- Shotgun Certificate
- Driver licence
- Basic Certificate (Police records certificate)
- Council Tax Statement
- Letter from Department for Work and Pensions
- Gateshead Council statement
- HM Revenue & Customs statement
- Harrow Council statement
- Land & Property Services statement
- NHS bill
- SFE statement
- Student Loans Company statement
- TDS statement
- The Mortgage Lender offer
- Wirral statement
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Ghana
- Consular Card
- Dual Citizenship ID Card
- Certificate of registration
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Guatemala
- Consular ID Card
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### India
- Passport
- Driver license
- Overseas Citizen of India certificate of registration
- Aadhaar
- Bar Council ID Card
- Indo Tibetan Border Police ID
- Central Industrial Security Force ID
- Central Reserve Police Force ID
- Ex-Servicemen ID
- Indian Armed Forces Civilian ID
- National Disaster Response Force ID
- e-SHRAM Card
- Health Card
- Professional ID
- Ministry of Home Affairs ID
- Government of India ID
- Government of Himachal Pradesh ID
- Government of Manipur ID
- Government of Uttar Pradesh ID
- Government of Arunachal Pradesh ID
- Department of Atomic Energy Employee ID
- Animal Husbandry and Dairying Haryana ID
- Department of Posts ID
- Office of the Custodian ID
- Andaman and Nicobar Islanders ID
- Affidavit
- Vehicle registration certificate
- Bankbooks
- Government of West Bengal Certificate for Other Backward Classes
- Haryana Resident Certificate
- Government of Odisha Resident Certificate
- Government of Andhra Pradesh Certificate
- Household Card
- Vehicle permit issued by the Government of Kerala
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Italy
- CARTA DI IDENTITÀ
- Libretto di Navigazione
- Tessera Elettorale
- Driver license
- Residence card of a family member of a union citizen
- PERMESSO DI SOGGIORNO PER STRANIERI
- Certificato di Residenza
- Comunicazione di ospitalità in favore di cittadino extracomunitario
- Application for a residence permit
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Mexico
- INE card
- Army ID
- Consular ID
- Driver license (Licencia de Conducir, those that contain the holder's address)
- Predial (property tax receipt)
- Correspondence from SAT (tax authority)
- INE (National Electoral Institute correspondence showing the address)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Nigeria
- Passport (Ecowas-Cedeao)
- NIN slip
- Consul ID
- Declaration of Age
- Nigerian Citizens ID
- State ID
- Driver license
- Residence permit (ECOWAS Residence Card)
- Certificate of Taxpayer Identification Number JTB
- Certificate of state of origin
- Land Use Charge receipts (for property owners)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Panama
- Residence permit
- Refugee ID
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Peru
- Documento Nacional de Identidad
- DNI Menores de Edad
- Carne de Identidad - Ministerio de Relaciones Exteriores
- Driver license
- Residence permit: Carne de Extranjeria - Calidad Migratoria: Esp. Especial, Permiso Temporal de Permanencia, Carne Temporal de Permanencia
- Registration Certificate
- Extension of the residence right (Prorroga de Residencia)
- Recibo de Servicios Públicos (electricity, water or gas bill)
- SUNAT (tax authority) correspondence
- Certificado de Domicilio (issued by a notary or local authority)
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Portugal
- Driver license
- Título de residência
- Cartão de residência
- Cartão de residência permanente
- Residence Certificate (Atestado)
- Excerpt of the data from the National ID (Cartao de Cidadao)
- Vehicle registration certificate
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Paraguay
- Driver license
- Vehicle registration card
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### El Salvador
- Documento Único de Identidad
- Driver license
- Vehicle registration certificate
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### United States
- ID Card
- Citizenship ID
- Tribal ID
- City ID
- Veteran ID
- Photo Voter ID
- Firearm ID
- Medical ID
- Military ID
- Interim license
- Driver license
- Motor vehicle statement
- Certificate of Title
- Professional Licensure
- Drivers License update, Pennsylvania
- Federal Aviation Administration certificate
- Fishing Utah Division of Wildlife Resources statement
- MMMP Certification Maine
- NTTA statement
- Orange County Government statement
- Pennymac Mortgage Statement
- Vehicle registration certificate
- Voter ID
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Uruguay
- Passport
- Driver license
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
### Vietnam
- Citizen ID (Căn cước công dân)
- National ID (Giấy chứng minh nhân dân)
- Military ID
- Driver license
- Residence permit
- GIẤY XÁC NHẬN NHÂN SỰ CÔNG AN XÃ TÂN TIẾN XÁC NHẬN
- PHIẾU LÝ LỊCH TƯ PHÁP SỐ 1
- An extract from residence register
- Vehicle registration card
[Documents accepted in all countries.](https://help.grabrfi.com/content/poa#documents-accepted-in-all-countries)
---
Source: https://help.grabrfi.com/en/content/what-products-and-services-am-i-restricted-from-buying-with-my-grabrfi-card-PGKWq
# What products and services am I restricted from buying with my GrabrFi card?
_Category: Global Card_
To comply with US laws and regulations, there are certain restricted products and services you cannot buy with your GrabrFi card.
### Restricted products and services
**Drugs**
- Drugs
- Drug paraphernalia
- Cannabis related products and services
******Some financial services**
- Money orders
- Non-financial institutions that offer foreign currency exchange
- Security brokers or dealers
- Traveler cheques
**Firearms**
**Gambling businesses**
- Betting
- Chips
- Dog or horse racing
- Gambling tickets
- Government-owned lotteries
- Lottery tickets
- Online gambling
- Wagering
**Precious metals and gems**
**Sexual encounter businesses**
- Adult entertainment
- Massage parlors
### Why are these categories restricted?
Buying from these categories is either prohibited by law or considered high risk. To protect customers and GrabrFi, these purchases with your GrabrFi card will not be processed.
---
Source: https://help.grabrfi.com/en/content/how-can-i-make-my-first-card-purchase
# How can I make my first card purchase?
_Category: Global Card_
You can start using your global card instantly, here's how.
### **Pay with your phone or smartwatch in-person and online**
**
Note: Apple and Google Pay are not available in Bolivia or Nigeria.
Add your virtual card to Apple Pay or Google Pay to pay with your phone or smartwatch in-person and online. In-person, this works with most stores, restaurants, services and more that accept tap payments.
- On the GrabrFi app, tap on your card.
- Tap “Add to Apple Pay” or “Add to Google Pay”.
- Follow the steps.
- Done! Open the Wallet app and tap on your card to pay with it. You'll be authenticated with Face ID.
GrabrFi card — Use in Mobile wallet
---
### **Make online purchases**
You can use your virtual card to pay online. It works with stores, services and subscriptions from the US, your country and worldwide.
- On GrabrFi, tap on your card.
- Click on "Show card details".
- Enter your card details on the checkout or subscription page.
GrabrFi card — Purchase online
---
Source: https://help.grabrfi.com/en/content/terms-and-conditions-for-grabrfi-top-up-bonus
# Terms and Conditions for GrabrFi Top-Up Bonus
_Category: Legal_
Last updated: 23 July 2025
#### Promotion Overview
The GrabrFi Top-Up Bonus ("Promotion") rewards eligible users with a bonus for topping up their GrabrFi accounts within a specified period of time. The reward will be granted automatically after the top-up has been successfully processed.
#### Eligibility Criteria
To participate in this Promotion, users must meet the following criteria:
- The user’s profile and associated bank account must be active.
- Accounts must not be suspended or closed at the time of participation.
- The user must reside in one of the following eligible countries: Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Paraguay, Peru, Uruguay, Canada, Dominican Republic, El Salvador, Guatemala, Mexico, Panama, United States, France, Germany, Italy, Portugal, Spain, United Kingdom, India, Vietnam, and Ghana. Residents of any other jurisdiction, including Nigeria, are not eligible for this promotion.
#### Promotion Period
The Promotion Period is individually specified for each eligible user. Eligible users will be notified of their personalized Promotion Period via email, in-app notification, or other communication channels. The Promotion Period will begin and end according to the dates provided in the notification.
#### Bonus Details
**Bonus Amount**: US$5.00.
**Top-Up Threshold**: Deposit at least US$100.00 in one transaction.
**Bonus Limitations**: Each user can receive this bonus only once during the Promotion Period.
**Distribution Timeline**: The bonus will be credited automatically within minutes of a successful top-up or, in some cases, within 48 hours.
#### Acceptable Top-Up Options
The following top-up methods are eligible for the Promotion:
- Local top-ups in Colombia, Mexico, Argentina, and Brazil.
- Incoming ACH credit transfers.
- Incoming Wire transfers (domestic and international).
#### Disqualification Criteria
A user may be disqualified from this Promotion for the following reasons:
- Fraudulent Activity: Engaging in suspicious or fraudulent activities.
- Violation of Terms: Breaching GrabrFi’s general terms of service or these Promotion terms.
- Chargebacks or Cancellations: Forfeiture of the bonus will occur if the qualifying top-up is reversed.
#### Tax Implications
Participants are solely responsible for reporting and paying any applicable taxes on the bonus in accordance with their local laws.
#### Modification and Termination
Right to Modify or Cancel: GrabrFi reserves the right to modify, suspend, or terminate this Promotion at any time without prior notice.
No Guarantee: Participation does not guarantee receipt of the bonus.
#### Limitation of Liability
GrabrFi is not responsible for any delays, errors, or technical failures affecting the Promotion. Participation is at the user’s own risk.
#### Indemnification
By participating in the Promotion, you agree to indemnify and hold harmless GrabrFi and its affiliates, directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the GrabrFi platform, including but not limited to your violation of this Agreement.
#### Governing Law and Jurisdiction
This Promotion is governed by the laws of the State of Delaware, USA, and any disputes arising from or related to the Promotion will fall under the jurisdiction of the courts in Delaware.
#### Acceptance of Terms
By participating in the Promotion, you acknowledge that you have read and agree to be bound by these terms and conditions.
---
Source: https://help.grabrfi.com/en/content/where-can-i-use-my-global-card
# Where can I use my global card?
_Category: Global Card_
You can use your global card anywhere Visa is accepted, online and in stores, subject to applicable sanctions and other Visa network restrictions.
Card usage may not be available in certain sanctioned or restricted countries and territories. In those cases, a transaction may be declined.
---
Source: https://help.grabrfi.com/en/content/referral-bonus-program-terms
# Referral Bonus Program Terms & Conditions
_Category: Legal_
These Referral Program Terms and Conditions ("Terms") govern your participation in the GrabrFi Referral Bonus Program (the "Program"). By participating, you agree to be bound by these Terms, as well as the GrabrFi Terms of Service and Privacy Policy. Effective Date: 9/22/2025
## 1. Eligibility
To participate in the Program as a Referrer ("you"), you must:
● Be an active GrabrFi account holder in good standing.
● Be at least 18 years old and a resident of a jurisdiction where the Program is legally permitted.
● Not have violated any of GrabrFi’s terms, policies, or applicable laws.
● No minimum balance required.
To be considered a Qualified Referral, the referred individual ("Referred Friend") must meet the following criteria:
1. Use the invitation link to open a GrabrFi bank account.
2. Complete the following actions within 30 days of bank account opening:
○ Open at least one virtual card.
○ Add or receive at least $100 USD through one of the following qualifying transactions:
- ACH or Wire transfer (domestic or international) must originate from an external financial institution [not another GrabrFi account].
1. Maintain an open and active account with a positive balance within the first 30 days after bank account opening.
2. Have no prior GrabrFi account history, meaning they must not have previously held or closed a GrabrFi account.
**What qualifies as a valid deposit:**
- A payment from the user’s employer or client from an external bank account.
- A withdrawal of the user’s work earnings from a third-party platform (e.g. freelance marketplace, HR platform, etc.)
**What does not count as a qualifying deposit:**
- Transfers from another GrabrFi user
- Transfers from cash-based or P2P services.
- Refunds of any kind (education, medical, loan disbursements, etc.)
- Stipends, grants, scholarships, or insurance reimbursements not related to employment or contract income.
The Program is available to Referrers and Invitees who are residents of:
- Argentina, Bolivia, Brazil, Canada, Chile, Colombia, Germany, Dominican Republic, Ecuador, Spain, France, United Kingdom, Ghana, Guatemala, India, Italy, Mexico, Panama, Peru, Portugal, Paraguay, El Salvador, United States, Uruguay, and Vietnam.
- No Referral Bonus will be paid to Referrers who reside in, or for Invitees who reside in, Kenya and Nigeria.
- No Referral Bonus will be paid for Invitees who reside in the United States.
GrabrFi reserves the right to determine, at its sole discretion, whether an individual or transaction meets the criteria for a Qualified Referral based on the intent and substance of the referral.
## 2. Referral Bonus
● If all conditions are met, you will receive a $30 USD referral bonus on day 31 following your Referred Friend’s account opening.
● There is no limit to the number of friends you can invite. However, each Referrer may only receive a maximum of five (5) referral bonuses per calendar year.
● Bonuses are credited to your GrabrFi account and may be subject to withdrawal restrictions or other limitations as required by law.
● GrabrFi reserves the right to request additional information or documentation before issuing any referral bonus. Failure to provide the requested information within the timeframe specified may result in the referral bonus being delayed, withheld, or canceled.
## 3. Restrictions & Fraud Prevention
● Self-referrals, duplicate accounts, or referrals made using false or misleading information are strictly prohibited.
● GrabrFi reserves the right to review all referrals and withhold or revoke bonuses in cases of suspected fraud, misuse, or abuse of the Program.
● Referred Friends who close their accounts before day 30 after opening or whose accounts are flagged for suspicious activity will not qualify as a referral.
● Any attempt to manipulate the Program through non-legitimate transactions, artificial funding behavior, or actions intended to simulate eligibility without genuine use of the account may result in disqualification and forfeiture of bonuses.
## 4. Program Modifications & Termination
● Grabr Inc. reserves the right to modify, suspend, or terminate the Program at any time, with or without prior notice.
● GrabrFi may limit or restrict any user’s participation in the Program at its sole discretion, including for reasons related to compliance, fraud prevention, or business considerations.
● If the Program is terminated, any pending bonuses that have not yet been credited will be forfeited.
● If any referral bonus was credited in error or in violation of these Terms, GrabrFi reserves the right to reverse or debit the amount from your GrabrFi account.
## 5. Tax Implications
● Referral bonuses may be subject to tax reporting and withholding. You are responsible for any applicable taxes arising from your participation in the Program.
## 6. Liability & Disputes
● GrabrFi is not responsible for any technical errors, failures, or delays in crediting referral bonuses.
● Any disputes related to the Program shall be governed by the dispute resolution provisions of the GrabrFi Terms of Service.
## 7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law principles.
By participating in the Program, you acknowledge and agree to these Terms. GrabrFi reserves all rights not explicitly granted herein.
---
Source: https://help.grabrfi.com/en/content/direct-deposit-using-grabrfi-account
# How to Set Up Direct Deposit using GrabrFi Account
_Category: Transactions and transfers_
Getting paid should be easy: no paper checks, no bank visits. With direct deposit, your paycheck goes straight into your global account automatically. Here is how to set it up in a few steps.
### **1. Find your GrabrFi account details**
You will need your routing number and account number to set up direct deposit.
- **Where to find them:**Sign in to GrabrFi, go to your global account, then tap [Account Details](https://app.grabrfi.com/home/account-details).
- **What is included:**Your routing number, account number, and account details, plus the address linked to your account.
### **2. Share your details with your employer**
Most employers just need your routing number, account number, and full name (as shown in GrabrFi).
- **If your employer provides a form:**Fill it out using your GrabrFi details.
- **If they do not:**Send them your routing number, account number, and other details.
### **3. Verify your account (if needed)**
Some employers send small test deposits (a few cents) to confirm your details. Check your global account after a few days to see if the test deposits arrived, then report the amounts to your employer to complete the verification.
- **Need proof of account?**You can download it from your global account.
**
**Troubleshooting**
Delayed or missing deposit? First, check with your employer to confirm it was sent. If it was, allow [for processing time](https://help.grabrfi.com/en/content/transfers-settlement-times-cut-off-times-and-how-to-resolve-any-issues) or reach out to GrabrFi Support.
Incorrect details? If you made a mistake with your routing or account number, let your HR or payroll department know as soon as possible.
That is it. Once your employer sets up direct deposit, your paychecks will arrive automatically.
---
Source: https://help.grabrfi.com/en/content/getting-paid-in-usd-as-a-non-u-s-resident-why-you-need-form-w-8ben
# Getting Paid in USD as a Non-U.S. Resident: Why You Need Form W-8BEN?
_Category: Account settings and personal information_
If you’re a **freelancer, content creator, or remote worker** using platforms like **Patreon, YouTube, Twitch, Substack, Indiegogo, or Kickstarter**, you probably know that they offer payouts in **USD to U.S. bank accounts**. But there’s a catch—if you’re **not a U.S. resident**, these platforms require you to fill out **IRS Form W-8BEN** before they can process your payments.
Skipping this step can mean **losing 30% of your earnings** to automatic tax withholding and additional losses from **currency conversion fees** if you’re paid in local currency instead of USD.
The good news? **It’s easy to fill out Form W-8BEN and keep more of your money!**
### **What is Form W-8BEN?**
Form **W-8BEN (Certificate of Foreign Status of Beneficial Owner for U.S. Tax Withholding and Reporting)** is an IRS document that helps **non-U.S. individuals** certify that they are not U.S. tax residents. This form ensures that:
✅ **You avoid unnecessary tax withholding** (default is 30%, but you may qualify for a lower rate based on your country’s tax treaty with the U.S.).
✅ **You receive your earnings**to your global account details, preventing forced conversion into your local currency.
✅ **You stay compliant with IRS tax regulations**, which platforms require before releasing payments.
### **Why This Matters for Creators & Freelancers**
📌 If you don’t submit Form W-8BEN, U.S. platforms will withhold 30% of your earnings—before they even reach you.
📌 If you receive payouts in local currency instead of USD, you may lose money due to poor exchange rates and conversion fees.
📌 Using Form W-8BEN ensures you get the best payout possible and avoid unnecessary losses.
### **How to Fill Out Form W-8BEN (Step-by-Step Guide)**
Ready to fill out your form? We’ve got you covered! **Check out our full guide on Medium:**
👉 [**How to Fill Out IRS Form W-8BEN to Get Paid in USD Without Losing Money**](https://medium.com/@grabrfi/how-to-fill-out-irs-form-w-8ben-to-get-paid-in-usd-and-avoid-extra-fees-c3bf406e9000) 👈
This guide walks you through:
✔️ Each section of the form, explained simply.
✔️ How to check if your country qualifies for lower tax withholding.
✔️ Where to submit the form (hint: not the IRS!).
✔️ Common mistakes to avoid.
### **Final Thoughts**
If you’re earning in USD through **U.S. platforms**, **filling out Form W-8BEN is essential** to keep more of your hard-earned money. It’s a quick process that can save you **thousands of dollars** over time.
💡 **Need an easy way to get paid?** [GrabrFi](https://www.grabrfi.com/en?utm_source=medium&utm_medium=social&utm_campaign=x_articles&utm_content=how_to_fill_W8_form) makes it easy for non-U.S. residents to receive and manage their earnings.
---
Source: https://help.grabrfi.com/en/content/keeping-your-grabrfi-account-secure
# Keeping Your GrabrFi Account Secure
_Category: Security_
At GrabrFi, your security is our priority. We want to help you recognize official communications from us and keep your account safe from potential scams.
**
**Temporary notice: Global Account Upgrade**
During the upgrade process, you may receive WhatsApp messages from us. We will never ask for your password, PIN, CVV, or full card number through any channel. If unsure, verify through the app or email support@grabrfi.com.
In effect from September 1st, 2026 to October 15th, 2026.
### **How to Identify Official GrabrFi Communication**
✅ **We will NEVER ask for:**
- Your full card number, CVV, expiration date, or PIN
- Your account number or login credentials
- Your password or security codes
✅ **We will ONLY share links to our services or Help Center articles through:**
- Official GrabrFi notifications from [**grabrfi@grabrfi.com**](mailto:grabrfi@grabrfi.com) or [**no-reply@notifications.grabrfi.com**](mailto:no-reply@notifications.grabrfi.com)
- Official GrabrFi support from [**support@grabrfi.zendesk.com**](mailto:support@grabrfi.zendesk.com), [**support@grabrfi.com**](mailto:support@grabrfi.com) or in-app messages
- Our official social media accounts (see below)
If you receive a link from an unfamiliar source, avoid clicking on it and verify it with us first.
### **Where to Get Support**
For account-related assistance, please contact us through:
**In-app messaging** or [**support@grabrfi.com**](mailto:support@grabrfi.com)****
We do not provide account-related support via social media, WhatsApp, SMS, or phone calls. However, our social media team can answer general questions about GrabrFi.
### **GrabrFi on Social Media**
We offer **general information and light support** on our official social media pages, but we will **never** ask for personal or account details there. If you need help with your account, please contact us in-app or via email.
**Instagram**
- English — global: [grabrfi](https://www.instagram.com/grabrfi/)
- English — Nigeria: [grabrfi_ng](https://www.instagram.com/grabrfi_ng/)
- Spanish — Argentina: [grabrfi_ar](https://www.instagram.com/grabrfi_ar)
- Spanish — Latin America: [grabrfi_es](https://www.instagram.com/grabrfi_es/)
- Portuguese — Brazil: [grabrfi_br](https://www.instagram.com/grabrfi_br/)
**Facebook**
- English — global: [GrabrFi](https://www.facebook.com/grabrfi)
- English — Nigeria: [GrabrFi Nigeria](https://www.facebook.com/profile.php?id=61564369290194)
- Spanish — Argentina: [GrabrFi Argentina](https://www.facebook.com/grabrfi.ar)
- Spanish — Latin America: [GrabrFi en Español](https://www.facebook.com/profile.php?id=100091311767594)
- Portuguese — Brazil: [GrabrFi Brasil](https://www.facebook.com/grabrfibrasil)
**LinkedIn**
[GrabrFi on LinkedIn](https://www.linkedin.com/company/grabrfi/)
### **Official GrabrFi Notifications**
GrabrFi may send you important updates and notifications via email. Our official email addresses are:
[grabrfi@grabrfi.com](mailto:grabrfi@grabrfi.com)
[no-reply@notifications.grabrfi.com](mailto:no-reply@notifications.grabrfi.com)
[support@grabrfi.zendesk.com](mailto:support@grabrfi.zendesk.com)
[support@grabrfi.com](mailto:support@grabrfi.com)
If you receive an email claiming to be from GrabrFi but from a different address, do not click any links and report it to us.
### **Report Suspicious Activity**
If you come across a suspicious account pretending to be GrabrFi or receive a message that doesn’t seem right, let us know.
**Report fake accounts or suspicious messages to us via:**
- [In-app messaging](https://app.grabrfi.com/)
- **Email:** [support@grabrfi.com](mailto:support@grabrfi.com)
Your security matters to us! Staying informed and cautious helps protect your account and personal information.
---
Source: https://help.grabrfi.com/en/content/how-to-connect-your-grabrfi-us-checking-account-with-an-external-service
# How to connect your global account with an external service
_Category: GrabrFi account_
**
Automatic bank linking through Plaid is not available yet for global accounts after the upgrade. We are working on it and will let you know when it is ready. In the meantime, you can connect an external service manually using your account and routing numbers with micro-deposits, as explained below.
Some apps (payroll, marketplaces, brokerages, and similar) can connect to your GrabrFi account. For now, use the manual method below. Automatic linking through Plaid will be available later.
### **Connect manually: account numbers and micro-deposits**
If the external app offers "Link with account numbers" or "Manual link," you can connect using your GrabrFi routing and account numbers and verify with micro-deposits.
**Where to find your details in GrabrFi**
Open the GrabrFi app, go to your global account, then Account details, and copy your Routing Number and Account Number.
**How to connect manually**
1. In the external app, choose "Link with account numbers" (or similar).
2. Enter your GrabrFi routing and account numbers carefully.
3. Wait for micro-deposits to arrive in your GrabrFi account (typically 1 to 2 business days; some services support same-day or near-instant verification).
4. Return to the external app to verify either the two small deposit amounts, or a short code in the deposit description (often a 6-character code like "SMxxxx").
5. The app confirms your account is linked.
*Some platforms limit verification attempts. If you exceed the limit, you may need to restart or contact that app’s support.*
### **Connect automatically: Plaid (coming soon)**
Automatic linking through Plaid is not available yet for global accounts. Once it is ready, many services will let you connect by searching for GrabrFi in their bank-linking screen. We will let you know when this option is live. Until then, please use the manual method above.
### **How long does linking and the first transfer take?**
- Manual linking with micro-deposits: 1 to 2 business days is common; some providers verify same day or even within minutes using faster rails.
- Transfers after linking: many apps send ACH transfers that clear in around 0 to 3 business days (exact timing depends on the other app).
### **Troubleshooting**
**I never received the micro-deposits.**
Give it 1 to 2 business days; if nothing arrives, confirm your routing and account numbers and restart the manual link in the external app. Some providers time out the verification if you do not complete it within their window.
**My verification failed.**
Small entry mistakes are common. Double check the amounts or descriptor code exactly as shown in your GrabrFi transaction list. If you run out of attempts, contact that app’s support to reset.
### **Safety and privacy**
You control what you share. You can unlink access from within the external app at any time; unlinking there stops new data sharing (the app’s past records remain with them).
### **Quick checklist**
- For now, use Link with account numbers and verify with micro-deposits.
- Keep an eye on your GrabrFi transaction history for two small deposits or a small deposit with a short code.
- Automatic linking through Plaid is coming soon; we will let you know when it is available.
---
Source: https://help.grabrfi.com/en/content/affiliate-program-for-business-partners-invite-only
# Affiliate Program for Business Partners (Invite only)
These Referral Program Terms and Conditions ("Terms") govern your participation in the GrabrFi Affiliate Program for Business Partners (the "Program"). By participating, you agree to be bound by these Terms, as well as the GrabrFi Terms of Service and Privacy Policy. Effective Date: 9/17/2025
## 1. Eligibility
This Affiliate Program is designed exclusively for business partners who collaborate with GrabrFi through our partner network. Please note that this program is separate from GrabrFi’s public referral program and is only available by direct invitation.
To participate in the Program as a Referrer ("you"), you must:
● Be a registered company that pays or wishes to pay its employees in US dollars.
● Not have violated any of GrabrFi’s terms, policies, or applicable laws.
To be considered a Qualified Referral, the referred individual ("Referred Person") must meet the following criteria:
1. Use the invitation link or referral code to open a GrabrFi bank account.
2. Complete the following actions within 60 days of bank account opening:
○ Open at least one virtual card.
○ Add or receive at least $100 USD through one of the following qualifying transactions:
- ACH or Wire transfer (domestic or international) must originate from the business partner or payroll intermediary [not another GrabrFi account].
1. Maintain an open and active account with a positive balance within the first 60 days after bank account opening.
2. Have no prior GrabrFi account history, meaning they must not have previously held or closed a GrabrFi account.
## 2. What are the rewards?
1. **For the Business partner**
| Shared revenue | Period |
| --- | --- |
| 15% - 30% | 18 months |
1. **For the employees or contractors**
| ACH + WIRE:
3 Free transactions | | |
| --- | --- | --- |
| **Reward** | Goal (Deposits) | Period |
| 20 USD | 100 USD | 60 days |
| 25 USD | 1500 USD | 60 days |
| 50 USD | 2500 USD | 60 days |
| 100 USD | 5000 USD | 60 days |
**What qualifies as a valid deposit:**
- A payment from the business partner or another company from an external bank account.
- A withdrawal of the user’s work earnings from a third-party platform (e.g., freelance marketplace, HR platform, etc.)
**What does not count as a qualifying deposit:**
- Transfers from another GrabrFi user
- Transfers from cash-based or P2P services.
- Refunds of any kind (education, medical, loan disbursements, etc.)
- Stipends, grants, scholarships, or insurance reimbursements not related to employment or contract income.
GrabrFi reserves the right to determine, at its sole discretion, whether an individual or transaction meets the criteria for a Qualified Referral based on the intent and substance of the referral (such as an abuse of the program by using the account as merely a passthrough account)
The Program is available to Referrers and Invitees who are residents of:
- Argentina, Bolivia, Brazil, Canada, Chile, Colombia, Germany, Dominican Republic, Ecuador, Spain, France, United Kingdom, Ghana, Guatemala, India, Italy, Mexico, Nigeria, Panama, Peru, Portugal, Paraguay, El Salvador, United States, Uruguay, and Vietnam.
- No Referral Bonus will be paid to Referrers who reside in, or for Invitees who reside in, Kenya.
## 3. Referral Bonus
● If all conditions are met, both you and your referred person will receive the referral bonus within 10 days after the 60-day period following the referred’s qualifying deposit has ended.
● There is no limit to the number of individuals you can invite.
● Bonuses are credited to your GrabrFi account and may be subject to withdrawal restrictions or other limitations as required by law.
● GrabrFi reserves the right to request additional information or documentation before issuing any referral bonus. Failure to provide the requested information within the timeframe specified may result in the referral bonus being delayed, withheld, or canceled.
## 4. Restrictions & Fraud Prevention
● Self-referrals, duplicate accounts, or referrals made using false or misleading information are strictly prohibited.
● GrabrFi reserves the right to review all referrals and withhold or revoke bonuses in cases of suspected fraud, misuse, or abuse of the Program.
● Referred individuals who close their accounts before day 60 after opening or whose accounts are flagged for suspicious activity will not qualify as a referral.
● Any attempt to manipulate the Program through non-legitimate transactions, artificial funding behavior, or actions intended to simulate eligibility without genuine use of the account may result in disqualification and forfeiture of bonuses.
## 5. Program Modifications & Termination
● Grabr Inc. reserves the right to modify, suspend, or terminate the Program at any time, with or without prior notice.
● GrabrFi may limit or restrict any user’s participation in the Program at its sole discretion, including for reasons related to compliance, fraud prevention, or business considerations.
● If the Program is terminated, any pending bonuses that have not yet been credited will be forfeited.
● If any referral bonus was credited in error or in violation of these Terms, GrabrFi reserves the right to reverse or debit the amount from your GrabrFi account.
## 6. Tax Implications
● Referral bonuses may be subject to tax reporting and withholding. You are responsible for any applicable taxes arising from your participation in the Program.
## 7. Liability & Disputes
● GrabrFi is not responsible for any technical errors, failures, or delays in crediting referral bonuses.
● Any disputes related to the Program shall be governed by the dispute resolution provisions of the GrabrFi Terms of Service.
## 8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law principles.
By participating in the Program, you acknowledge and agree to these Terms. GrabrFi reserves all rights not explicitly granted herein.
---
Source: https://help.grabrfi.com/en/content/grabrfi-stablecoin-transfer-terms-bMKgr
# GrabrFi Stablecoin Wallet and Transfer Terms
_Category: Legal_
**Last Updated:** March 3rd, 2026
These GrabrFi Stablecoin Wallet and Transfer Terms ("**Terms**") govern your use of the stablecoin wallet and transfer functionality (the **"Stablecoin Transfer Service"** or "**Service**") made available through the GrabrFi platform operated by **Grabr Inc.** ("**Grabr**," "**we**," or "**us**").
These Terms supplement and are incorporated into the **GrabrFi Terms of Use**, available at [https://help.grabrfi.com/en/content/terms](https://help.grabrfi.com/en/content/terms) (the "**Terms of Use**"). If there is a conflict, these Terms control only for the Stablecoin Transfer Service.
Stablecoins supported by GrabrFi may include USDC, USDT, USDB, PYUSD, or other USD-backed tokens issued by third parties. USDB is a USD-pegged stablecoin issued by Bridge Building Inc (NMLS #2450917), a subsidiary of Stripe, Inc. Each USDB token is backed 1:1 by US dollar reserves held in high-quality, liquid assets including US Treasuries, money market funds, and cash in segregated, bankruptcy-remote accounts. USDB can be redeemed for one US dollar, subject to the Bridge Stablecoin Terms (bridge.xyz/legal). USDB does not convey any direct or indirect property interest in reserve assets. Your Wallet currency (USDB or USDC) is determined by your country of residence and cannot be changed. Users in EEA countries are assigned USDC. Users in all other supported countries are assigned USDB. PYUSD (PayPal USD) is supported for outgoing transfers only, on the Solana network. Incoming PYUSD transfers are not supported. Do not send PYUSD to your Wallet or checking account deposit addresses; unsupported tokens sent to your deposit address may be permanently lost. GrabrFi does not itself provide money transmission and partners with licensed entities, including Bridge, to deliver this functionality.
By initiating or using the Stablecoin Transfer Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, the Terms of Use, and the applicable **Bridge** entity terms based on your region, as detailed below:
- **United States:** Bridge Building, Inc., a Delaware corporation and licensed money transmitter (NMLS ID 2450917);
- **European Economic Area (EEA):**Bridge Building Sp. Z.o.o., if you are a resident of the European Economic Area plus associated principalities and territories;
- **Rest of the World:**Bridge Building Limited, if you reside somewhere not in the EEA or the US.
The full list of Bridge entities and licenses is available at[https://www.bridge.xyz/legal/overview](https://www.bridge.xyz/legal/overview).
**Definitions**
**"Outgoing Stablecoin Transfer"** means sending stablecoins from GrabrFi via Bridge to a supported on-chain address or partner account.
**"Incoming Stablecoin Deposit"** means supported stablecoins received at a deposit address assigned to you. Incoming deposits may be routed to either: (a) your Stablecoin Wallet, where received assets are converted to your Wallet Currency and credited to your Wallet balance; or (b) a Bridge-issued liquidation address linked to your checking account, where Bridge liquidates received assets and settles USD to your GrabrFi checking account via ACH.
**"Liquidation Address"** means a blockchain deposit address issued by Bridge for your use that is controlled by Bridge or its sub-custodians. You do not control the private keys.
**"Same Day ACH"** means ACH credits that are submitted and settled on the same business day, subject to NACHA windows, bank cut-off times, screening, and reviews.
**"Stablecoin Wallet"** or **"Wallet"** means the stablecoin balance account provided to you as part of your GrabrFi Account, custodied by Bridge Building Arx LLC. The Wallet holds Stablecoins in your Wallet Currency and is separate from your GrabrFi USD checking account.
**"Wallet Currency"** means the stablecoin denomination assigned to your Wallet based on your country of residence: USDC for users in EEA countries, USDB for users in all other supported countries. Your Wallet Currency is assigned automatically and cannot be changed.
**"Supported Asset"** means a stablecoin and network combination that we list as supported in-app or on the Supported Networks page at [help.grabrfi.com](http://help.grabrfi.com). Support may change at any time.
## **1. Description of the Service**
The Service enables eligible users to:
**(a) Hold a Stablecoin balance.** Your Stablecoin Wallet holds a balance in your Wallet Currency (USDB or USDC). The Wallet is custodied by Bridge Building Arx LLC ("Bridge Arx"), which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Wallet.
**(b) Send Stablecoins from your Wallet.** Send supported stablecoins to external on-chain addresses. Your Wallet balance is automatically converted to the destination stablecoin you select. No ACH step is required; processing depends on blockchain confirmation.
**(c) Send Stablecoins from your checking account.** Funds are transferred via ACH from your GrabrFi USD checking account, converted to the selected stablecoin, and transmitted on-chain by Bridge.
**(d) Receive Stablecoins to your Wallet.** Receive supported stablecoins at your permanent Wallet deposit addresses. Incoming assets are converted to your Wallet Currency and credited to your Wallet balance.
**(e) Receive Stablecoins to your checking account.** Receive supported stablecoins at your Bridge-issued liquidation address. Bridge liquidates received assets and routes USD to your GrabrFi checking account via Same Day ACH when available.
**(f) Convert between checking account and Wallet.** Move funds between your USD checking account and your Stablecoin Wallet, with conversion between USD and Stablecoins processed via the ACH network.
**(g) Receive ACH or Wire transfers to your Wallet.** Receive USD via ACH or domestic wire to your Wallet bank account details. Incoming USD is automatically converted to Stablecoins and credited to your Wallet.
We may add or remove Supported Assets and networks at any time. Currently supported networks are listed on the Supported Networks page at [help.grabrfi.com](http://help.grabrfi.com). All transfers are processed through Bridge or one of its affiliated legal entities, depending on your jurisdiction, which operate as licensed money transmitters or virtual asset service providers. You may not access or manage your Wallet outside of the GrabrFi interface.
## **2. Relationship Between Parties**
1. Grabr provides the front-end interface and user authorization system for Stablecoin transfers.
2. Stablecoin custody, conversion, and blockchain transmission services are provided by Bridge and its affiliates, including Bridge Building Inc (NMLS #2450917) for money transmission and stablecoin issuance, and Bridge Building Arx LLC for wallet custody. The specific Bridge entity providing services to you may vary based on your country of residence. For full details on Bridge entities and applicable terms, see bridge.xyz/legal/overview.
3. By initiating a Stablecoin transfer, you:
- Authorize Grabr to share your transaction data and identity information with the applicable Bridge entity;
- Authorize Bridge to process and execute the on-chain portion of your transaction;
- Agree to Bridge's applicable terms, and acknowledge that all applicable fees for the Stablecoin Transfer Service are determined solely by Grabr and are detailed in the GrabrFi Fee Schedule.
- Understand that nothing in these Terms creates a joint venture, partnership, or agency relationship between you and Bridge.
- For Incoming Stablecoin Deposits, you authorize Bridge to receive assets sent to your deposit addresses, including your Wallet deposit addresses and your liquidation address. For deposits to your checking account, you authorize Bridge to liquidate received assets and settle USD via ACH. For deposits to your Wallet, you authorize Bridge to convert received assets to your Wallet Currency. You authorize Grabr to receive settlement and deposit information from Bridge in order to credit your account.
## **3. Eligibility and Compliance**
To access the Stablecoin Transfer Service, you must:
- Have a verified GrabrFi account in good standing;
- Complete all required **Know Your Customer (KYC)** and **Anti-Money Laundering (AML)** verification steps;
- Not be a resident of, or located in, a **sanctioned or restricted jurisdiction** (as defined by OFAC, the EU, or other applicable laws); and
- Use the Service solely for lawful purposes.
GrabrFi and Bridge may require ongoing re-verification or additional documentation as regulations evolve. You may not use the Service for high-risk or prohibited activity such as gambling, money laundering, or unlicensed exchange services. We reserve the right to deny, suspend, or terminate your access to the Service if we believe your activity violates law, sanctions, or Grabr’s compliance policies.
## **4. Funding, Receipt, Conversion, and Settlement**
### 4.1 Outgoing Stablecoin Transfers
**Funding.** You may fund a Stablecoin transfer using any of the following methods: (a) your GrabrFi USD checking account balance, via ACH transfer; (b) your Stablecoin Wallet balance; or (c) incoming ACH or domestic wire transfer to your Wallet bank account details, which will be automatically converted to Stablecoins and credited to your Wallet. Each funding method has different processing times and fees as described in the [Fee Schedule](https://help.grabrfi.com/content/full-schedule-of-fees).
**Settlement and Conversion.** Processing times vary by transfer type: (a) Transfers funded from your checking account are processed after the underlying ACH transfer has cleared, typically within the same business day. (b) Transfers funded from your Stablecoin Wallet balance are processed upon blockchain confirmation, typically within minutes. (c) Incoming stablecoin deposits to your Wallet are credited upon blockchain confirmation. (d) Incoming ACH or wire transfers to your Wallet are credited after the funds have cleared, with automatic conversion to Stablecoins. (e) Conversions between your checking account and Stablecoin Wallet are processed via the ACH network, typically within the same business day on business days. If a funding ACH is reversed after stablecoin transmission, Grabr reserves the right to debit your account or recover equivalent value.
**Execution.** Once cleared, Grabr and Bridge jointly initiate conversion and transmission of Stablecoins to the recipient's designated on-chain address or partner account.
**Delayed or Failed Transfers.** Grabr and Bridge may delay or reject transfers if:
- ACH funding fails or is returned;
- Regulatory review is pending;
- Blockchain network congestion or instability occurs; or
- The recipient address is invalid or unsupported.
### 4.2 Incoming Stablecoin Deposits
**Receipt to Wallet.** A sender may transfer Supported Assets to your permanent Wallet deposit addresses. Incoming assets are automatically converted to your Wallet Currency and credited to your Wallet balance. You do not control the private keys for these addresses. Settlement timing depends on blockchain confirmations and compliance screening.
**Receipt to Checking Account.** A sender may transfer Supported Assets to your Bridge-issued liquidation address. Bridge liquidates received assets and settles USD to your GrabrFi checking account via Same Day ACH when available. You do not control this address or its private keys. Settlement timing depends on blockchain confirmations, compliance screening, ACH windows, and bank cut-off times.
**Unsupported or Incorrect Deposits.** Deposits of unsupported assets or on unsupported networks may be delayed, rejected, or permanently lost. We are not liable for deposits sent with incorrect network, memo, or tag information.
**Screening and Holds.** We may place deposits on hold or refuse settlement if required by law, sanctions, or risk policies.
**ACH Returns.** If an ACH settlement to your checking account is returned or reversed, we may place a hold on credited funds or reverse the credit.
### **4.3 Wallet Bank Account Details**
Your Stablecoin Wallet includes dedicated bank account details for receiving ACH and domestic wire transfers. These bank account details are provided through Lead Bank, a banking partner of Bridge, and are separate from your checking account bank details (provided through Regent Bank). USD received via your Wallet bank account details is automatically converted to Stablecoins and credited to your Wallet balance. International wire transfers (SWIFT) are not supported for Wallet deposits. Fees for incoming ACH and wire transfers to your Wallet are detailed in the [Fee Schedule](https://help.grabrfi.com/content/full-schedule-of-fees).
### **4.4 Account Conversions**
You may convert funds between your USD checking account and your Stablecoin Wallet. Converting from your checking account to your Wallet initiates an ACH transfer of USD, which is then converted to Stablecoins (USDB or USDC) and credited to your Wallet. Converting from your Wallet to your checking account converts your Stablecoins to USD, which is then transferred to your checking account via ACH. Conversions are processed via the ACH network and are typically completed within the same business day on business days. Conversions initiated on weekends or US bank holidays are processed on the next business day. Applicable fees are detailed in the [Fee Schedule](https://help.grabrfi.com/content/full-schedule-of-fees).
### **4.5 Automatic Conversions**
Certain transactions involve automatic conversion between currencies or stablecoins. Incoming USDT deposits to your Wallet are automatically converted to your Wallet currency (USDB or USDC). USD received via ACH or wire to your Wallet bank account details is automatically converted to Stablecoins. When sending Stablecoins from your Wallet, your balance is automatically converted to the destination stablecoin selected by you. Conversions between your checking account and Wallet involve conversion between USD and Stablecoins. All conversions between same-peg USD stablecoins are processed at a 1:1 rate. Conversion fees may apply as described in the Fee Schedule.
## **5. Custody and Wallet Terms**
Your Stablecoin Wallet is custodied by Bridge Building Arx LLC ("Bridge Arx"), which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Wallet. You may not access private keys or manage your Wallet outside of the GrabrFi interface. Custody of digital assets is provided in accordance with applicable laws and may be held in omnibus accounts together with other users' funds.
**Liquidation Addresses.** Your Bridge-issued liquidation addresses (used for checking account deposits) are omnibus addresses controlled by Bridge or its sub-custodians. You do not control the private keys for liquidation addresses. Assets sent to a liquidation address may be co-mingled for operational efficiency until liquidation and settlement complete.
**No Insurance.**Stablecoins held in your Wallet or processed through liquidation addresses are not insured by the FDIC or SIPC, are not bank deposits, are not guaranteed by any bank, and do not accrue interest or yield to you. Reserve assets backing Stablecoins may generate returns; any such returns belong to Bridge and/or Grabr, and you have no entitlement to interest, yield, or any portion of reserve returns unless separately agreed in writing under a distinct product offering. For users eligible for the GrabrFi Boost Rewards program, promotional rewards (if any) are governed solely by the Boost Wallet Rewards Terms and do not constitute interest or yield on Stablecoin balances.
## **6. Fees and Exchange Rates**
**General.** You agree to pay all fees and spreads shown in-app before a transaction. Fees may vary by asset, network, or amount and can change at any time.
**Outgoing Stablecoin Transfers.** USD from your GrabrFi account is converted to the selected stablecoin at the **Currency Conversion Rate** displayed in-app at confirmation. The rate includes any spread and is valid only during the rate-lock period.
Our service fee covers Bridge network execution, gas costs, and processing. Third-party wallets or exchanges may apply additional fees outside our control.
**Incoming Stablecoin Deposits to Checking Account.**Stablecoins sent to your liquidation address are liquidated to USD by Bridge at the market rate at the time of conversion. A **Currency Conversion Rate** is **not shown in advance**.
We may deduct a processing fee before crediting your GrabrFi account. Network fees for sending to the liquidation address are paid by the sender.
**Incoming Stablecoin Deposits to Wallet.** Stablecoins sent to your Wallet deposit addresses are converted to your Wallet Currency. USDC deposits are free. USDT deposits are subject to a conversion fee. Fees are displayed in-app.
**Wallet Sends.** Stablecoin transfers sent from your Wallet balance are subject to a service fee that varies by destination stablecoin. Fees are displayed in-app before confirmation.
**Account Conversions.** Conversions between your checking account and Wallet are subject to fees that differ by direction. Fees are displayed in-app before confirmation.
**ACH and Wire to Wallet.** Incoming ACH and wire transfers to your Wallet bank account details are subject to processing fees. Wire transfers include an additional flat fee. Fees are detailed in the Fee Schedule.
**Updates.** Current fees and rate details are shown in-app. Continued use of the Service after updates means you accept any new terms.
## **7. Transaction Limits**
We may impose limits on outgoing transfers and incoming deposits, including per-transaction, daily, monthly, and rolling limits that vary by profile, region, and verification level.
Limits may differ by user profile, region, and verification level, and may change without prior notice for security or compliance reasons.
## **8. Irreversibility and User Responsibility**
**Outgoing transfers.** Once a Stablecoin transfer has been broadcast to a blockchain network, it is **final and irreversible**.
You are solely responsible for:
- Verifying the recipient address or account prior to initiating the transfer;
- Ensuring the recipient platform or wallet supports the chosen Stablecoin and network;
- Bearing any loss arising from incorrect information or unsupported destinations.
If you believe a transaction was unauthorized or incorrect, you must contact GrabrFi Support within ten (10) business days of the transaction. GrabrFi will make commercially reasonable efforts to assist, but cannot guarantee recovery of funds once submitted to the blockchain.
Grabr and Bridge do not guarantee retrieval or reversal of funds for transactions sent to incorrect or incompatible addresses.
**Incoming Deposits.** Incoming deposits are credited only after blockchain confirmations and screening. Credits can be delayed or reversed if the ACH leg is returned or if we later determine that the deposit violated law or policy. You are responsible for sharing only your assigned deposit addresses (Wallet deposit addresses or Bridge-issued liquidation addresses) and for confirming that the sender uses a Supported Asset and network. We cannot guarantee recovery of assets sent to an incorrect, expired, or unsupported address.
**Transfer Risks.**Only supported Stablecoins on supported blockchain networks may be sent to your deposit addresses. If you send unsupported tokens, tokens on unsupported networks, or tokens to an incorrect address, such funds may be permanently lost. Neither GrabrFi nor Bridge has any obligation or ability to recover unsupported or misdirected funds. You are responsible for verifying the correct coin, network, and address before initiating any transfer.
**Risk Disclosures.** Stablecoins and blockchain transactions carry inherent risks, including: cybersecurity risks, including hacking vulnerabilities that could result in substantial, immediate, and irreversible loss of your Stablecoins; blockchain networks may not be immutable and may experience outages, forks, or protocol changes; the regulatory status of Stablecoins may change, potentially affecting their value, availability, or legality; Stablecoin issuers may experience financial difficulties, operational failures, or inability to maintain reserves. Bridge or GrabrFi may freeze, suspend, or restrict access to your Wallet or Stablecoins if required by law, court order, or compliance policies. Bridge may freeze Stablecoins by blacklisting a particular wallet address at its sole discretion. By using the Stablecoin Wallet, you acknowledge that you have read and understand these risks.
## **9. Compliance, Monitoring, and Suspension**
We and Bridge continuously monitor transactions for suspicious, prohibited, or unusual activity.
We may, without prior notice:
- Delay, freeze, or cancel a transfer;
- Request additional verification or documentation; or
- Report activity to competent authorities.
We may share information about suspicious activity with law enforcement, regulators, or partner financial institutions. You acknowledge that compliance checks may introduce processing delays or cancellations.
We may delay or block settlement of incoming deposits pending sanctions, AML, fraud, or other reviews. Where required, we may return or refuse ACH credits or blockchain receipts.
## **10. Risks and Disclaimers**
By using the Service, you acknowledge and accept the following risks:
- **Blockchain Risks:** Network congestion, smart contract failures, and forks may delay or prevent settlement.
- **Regulatory Risks:** Stablecoin use and regulation may change, impacting availability or legality.
- **Market Risks:** Value of stablecoins may deviate temporarily from 1 USD.
- **Technology Risks:** Unauthorized access, system outages, or cyberattacks may impact execution.
- **Issuer and Network Risks:** Grabr and Bridge are not responsible for losses arising from stablecoin issuers, network validators, or blockchain protocol failures.
You should not use the Service unless you understand and accept these risks. Grabr provides the Service **“as is” and “as available”** without warranties of any kind.
## **11. Limitation of Liability**
To the fullest extent permitted by law:
- Grabr’s total liability for any claim arising out of a Stablecoin transfer shall not exceed the total transaction amount (excluding fees);
- Grabr shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or access;
- Grabr and Bridge are not liable for losses arising from issuer insolvency, de-pegging events, or external network failures;
- You assume all risk associated with your use of blockchain networks.
Nothing in this section limits any liability that cannot be excluded under applicable law.
## **12. Service Suspension or Termination**
We may suspend or discontinue the Stablecoin Transfer Service:
- At any time and for any reason;
- If required by law or regulatory authority;
- For maintenance, fraud investigation, or security review.
If the Service is discontinued, Grabr will use reasonable efforts to settle pending transfers or refund undelivered funds. Certain transactions may remain pending until blockchain confirmation is achieved.
## **13. Tax Responsibility**
You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Stablecoin Transfer Service, including reporting income, gains, or losses to applicable authorities.
You acknowledge that stablecoin transactions may have tax implications in your country of residence. Grabr may provide transaction records to assist with reporting but is not obligated to do so.
## **14. Modifications**
Grabr may update these Terms from time to time. Updated versions will be posted at [help.grabrfi.com](http://help.grabrfi.com), and the "Last Updated" date will be revised accordingly.
Material changes will be communicated via email or in-app notification at least thirty (30) days before taking effect, where required by law.
Your continued use of the Service after any update constitutes acceptance of the modified terms.
## **15. Governing Law and Dispute Resolution**
These Terms are governed by the same governing law, venue, and dispute resolution procedures set forth in the GrabrFi Terms of Use.
## **16. Contact Information**
For questions about these Terms or the Stablecoin Transfer Service, contact us at:
[**legal@grabrfi.com**](mailto:legal@grabrfi.com) or via the in-app support chat.
## **17. Prohibited Uses**
You agree not to use the Service for any activity that is illegal, violates sanctions, or is otherwise prohibited by GrabrFi or Bridge policies, including but not limited to: mixing/tumbling services; unlicensed money services or exchanges; terrorist financing; fraud; market manipulation; gambling where prohibited; ransomware; and transactions with addresses identified as high‑risk or sanctioned.
## **18. User Representations and Warranties**
You represent and warrant that: (a) all information you provide is accurate and complete; (b) you are the lawful owner of the funds used to initiate transfers; (c) you are not subject to sanctions or located in a restricted jurisdiction; (d) you will use the Service only for lawful purposes and in compliance with these Terms; and (e) you understand the irreversible nature of blockchain transactions.
## **19. Third‑Party Terms (Issuers and Recipients)**
Stablecoins are issued by third parties under their own terms and disclosures. Your use of any stablecoin is subject to the applicable issuer's terms (e.g., Circle for USDC, Tether for USDT, Bridge Building Inc for USDB). Recipient platforms and wallets are third parties and may have their own terms and fees. Grabr is not responsible for third-party terms or performance.
## **20. Availability; Geographic Restrictions**
The Service may be unavailable in certain countries, regions, or to certain users based on legal, regulatory, or risk considerations. Grabr may restrict or disable the Service for specific jurisdictions, users, assets, or networks without prior notice where required by law or policy.
## **21. Miscellaneous**
**Assignment.** You may not assign or transfer these Terms without Grabr’s prior written consent. Grabr may assign these Terms in connection with a merger, acquisition, or corporate reorganization.
**Severability.** If any provision is found unenforceable, the remaining provisions remain in full force.
**No Waiver.** A failure to enforce any right is not a waiver of future enforcement.
**Force Majeure.** Grabr is not liable for delays or failures caused by events beyond its reasonable control, including acts of God, labor disputes, cyber incidents, network failures, or governmental actions.
**Survival.** Sections 5-13 and 17-21 survive termination of the Service.
## Acknowledgment
By using the Stablecoin Wallet or initiating a Stablecoin transfer, you acknowledge that you have read, understood, and agree to:
1. These GrabrFi Stablecoin Wallet and Transfer Terms;
2. The GrabrFi Terms of Use; and
3. The applicable Bridge entity terms and policies.
---
Source: https://help.grabrfi.com/en/content/what-are-stablecoins
# What are stablecoins and how do they work with GrabrFi?
_Category: Stablecoins_
## What are stablecoins?
Stablecoins are digital assets designed to maintain a stable value, usually pegged 1:1 to the U.S. dollar. Each unit represents one U.S. dollar or an equivalent reserve held by the stablecoin issuer.
GrabrFi supports USDC (USD Coin), USDT (Tether), PYUSD (PayPal USD), and USDB (a USD-pegged stablecoin issued by Bridge, a Stripe company). [Learn more about USDB](https://help.grabrfi.com/en/content/what-is-usdb). These tokens combine the stability of traditional money with the flexibility of blockchain technology, allowing you to move your funds globally without currency fluctuations or high wire fees.
GrabrFi does not issue its own stablecoin. Instead, your stablecoin transactions are processed through Bridge, a regulated partner that operates under financial licenses in different regions.
## How stablecoins work with GrabrFi
Your global account holds your balance as digital dollars (USDB or USDC, depending on your country of residence). USDB and USDC are US dollar stablecoins, so your balance is designed to stay equal to the US dollar.
With your global account, you can:
- Send stablecoins directly to an external address on supported blockchains.
- Receive stablecoins to your account. Incoming stablecoins are automatically converted to your account balance.
- Receive US dollars by ACH or wire, which are automatically converted to digital dollars in your account.
GrabrFi does not issue its own stablecoin. Your stablecoin transactions are processed through Bridge, a regulated partner. Learn more: [What is the global account?](https://help.grabrfi.com/en/content/what-is-the-grabrfi-stablecoin-wallet-sIPp5)
---
Source: https://help.grabrfi.com/en/content/how-do-i-send-stablecoins-from-my-grabrfi
# How do I send stablecoins from my global account?
_Category: Stablecoins_
You can send stablecoins from your global account to an external wallet on a supported blockchain. Most transfers complete within minutes, depending on network confirmation.
### **Before you start**
To send stablecoins, you need to:
- Have a GrabrFi account (created and verified).
- Have enough balance in your global account.
### **Step-by-step guide to sending stablecoins**
#### **1. Start a new transfer**
On the homepage, click "Transfers", then "Send USD stablecoins". Select the type of USD stablecoin you would like to send. We currently support USDC, USDT, and PYUSD.
#### **2. Select the blockchain network**
Select the blockchain (network) of the wallet you would like to send to. You will see the associated transfer fees for each blockchain displayed upfront.
#### **3. Add the recipient’s crypto wallet details**
Carefully copy and paste the recipient’s wallet address for the blockchain you selected. Double-check the address before proceeding: transfers sent to the wrong wallet cannot be reversed.
#### **4. Enter the transfer amount**
Enter the amount you wish to send. You will see the total fees upfront before you confirm the transfer.
#### **5. Review and confirm**
Review all your transfer details (stablecoin, network, amount, and recipient address). Optional: you can save this recipient to speed up future transfers.
#### **6. Create your transfer**
Click "Create transfer" to finalize the request.
For current fees, see the full [schedule of fees](https://help.grabrfi.com/en/content/full-schedule-of-fees).
---
Source: https://help.grabrfi.com/en/content/supported-networks
# What stablecoins and networks does GrabrFi support?
_Category: Stablecoins_
GrabrFi supports multiple USD stablecoins and blockchain networks to give you flexibility when sending and receiving funds.
GrabrFi may add or remove supported assets or networks over time as new integrations are approved.
## **Account currency vs. transfer coins**
Your global account holds one currency: **USDB or USDC**, depending on your country.
When you send stablecoins, your account balance is automatically converted to the coin you select (USDC, USDT, or PYUSD).
When you receive stablecoins, incoming coins are automatically converted to your account currency.
**Holding coins:**USDB (most supported countries) or USDC (EEA countries).
## **Supported stablecoins and networks for transfers**
GrabrFi supports the following stablecoins and blockchain networks. Available networks depend on whether you are sending or receiving.
**USDC (USD Coin)**
Sending: Solana, Base, Ethereum, Optimism, Polygon, Arbitrum, Avalanche C-Chain
Receiving: Solana, Base, Ethereum, Optimism, Polygon, Arbitrum, Avalanche C-Chain
**USDT (Tether)**
Sending: Tron, Ethereum, Solana
Receiving: Tron, Ethereum, Solana
**PYUSD (PayPal USD)**
Sending only: Solana
Receiving: Not supported.
**Important:**
- PYUSD is supported for outgoing transfers only (Solana network). Incoming PYUSD transfers are not supported. Do not send PYUSD to your account deposit addresses.
- Always double-check that you are sending on the correct network. Sending stablecoins on an unsupported network may result in permanent loss of funds.
---
Source: https://help.grabrfi.com/en/content/what-should-i-do-if-a-stablecoin-transfer-fails-or-is-incorrect
# What should I do if a stablecoin transfer fails or is incorrect?
_Category: Stablecoins_
If your stablecoin transfer hasn't arrived or you believe there was a problem with the transfer, we're here to help.
## If your transfer hasn't arrived
Most stablecoin transfers are completed within a few minutes, but in some cases they may take longer depending on the blockchain network.
If your transfer hasn't been credited after 24 hours:
1. Verify that you sent the transfer using a supported stablecoin and supported blockchain network.
2. Confirm that the deposit address matches the one generated in your GrabrFi account.
3. Contact GrabrFi Support within 10 business days and include:
- The transaction hash (TXID)
- The stablecoin sent
- The blockchain network used
- The amount transferred
Our team will review the transaction and coordinate with our stablecoin provider when appropriate.
## If the transfer was sent incorrectly
Stablecoin transfers are irreversible once confirmed on the blockchain.
If a transfer was sent using:
- an unsupported stablecoin,
- an unsupported blockchain network,
- or an unsupported combination of stablecoin and blockchain network,
the deposit may not be processed or credited to your account.
After reviewing the transaction, our provider may determine that the deposit cannot be recovered through its current systems or services. In those cases, GrabrFi is also unable to credit the funds to your account or reverse the transaction.
## Before sending a transfer
Always verify all of the following before confirming a transfer:
- The stablecoin (for example, USDC or USDT)
- The blockchain network
- The deposit address generated by GrabrFi
Sending a transfer with an incorrect stablecoin, blockchain network, or deposit address may result in the permanent loss of funds.
---
Source: https://help.grabrfi.com/en/content/what-are-the-risks-of-using-stablecoins-and-what-are-my-responsibilities
# What are the risks of using stablecoins, and what are my responsibilities?
_Category: Stablecoins_
Using stablecoins involves certain risks, including USDB (a USD-pegged stablecoin issued by Bridge). Learn more: [What is USDB?](https://help.grabrfi.com/en/content/what-is-usdb)
## General Risks of Using Stablecoins
Using stablecoins involves certain risks:
- **Blockchain risks:** Network congestion, smart contract bugs, or forks may delay transfers.
- **Regulatory risks:** Local laws or policies may change and affect service availability.
- **Market risks:** A stablecoin’s price could temporarily deviate from 1 USD.
- **Technology risks:** Outages or cyberattacks could impact processing.
You are responsible for providing accurate account and address information and complying with local regulations when using the service.
## Risks of Holding Stablecoins in your global account
When you hold a stablecoin balance in your account, you are exposed to additional risks beyond those of a single transfer:
- **Not FDIC insured:** As a financial technology company, not a bank, GrabrFi is not FDIC insured. Stablecoins held or sent via GrabrFi are not bank deposits and are not covered by FDIC insurance. See: [Is My Stablecoin Balance FDIC Insured?](https://help.grabrfi.com/en/content/is-my-stablecoin-balance-fdic-insured?ref=is&_q=fdic)
- **Issuer risk:** The value of your stablecoins depends on the issuer (Bridge for USDB, Circle for USDC) maintaining sufficient reserves and operational integrity. In the unlikely event of issuer insolvency, your balance could be affected.
- **De-peg risk:** While stablecoins are designed to maintain a 1:1 peg to USD, temporary or permanent de-pegging events can occur due to market conditions, regulatory actions, or issuer issues.
- **Custody risk:** Your account is custodied by Bridge Building Arx LLC. While you own the stablecoins, Bridge holds the private keys. Your access depends on GrabrFi and Bridge remaining operational.
## Clarification on Transfer vs Holding Risks
Note: The risks described in the “Holding Stablecoins” section apply when maintaining a stablecoin balance over time.
For individual send or receive transactions, the primary risks remain:
- Blockchain irreversibility
- Sending to an incorrect deposit address, sending an unsupported stablecoin, or using an incompatible network can result in permanent loss of funds.
- Network congestion or technical issues
Cryptocurrency transactions are irreversible once confirmed on-chain.
---
Source: https://help.grabrfi.com/en/content/tax-obligations
# Do I have tax obligations when using stablecoins on GrabrFi?
_Category: Stablecoins_
You are solely responsible for determining and reporting any tax obligations related to your stablecoin transfers. This may include gains, income, or other taxable events depending on your country’s laws.
Your global account holds stablecoins (USDB or USDC). When USD enters your account (for example, by ACH or wire), it is automatically converted to stablecoins. When you send a payment or withdraw, your stablecoin balance is converted back to USD or another currency. These conversions may be considered a taxable event in some jurisdictions, even though stablecoins are designed to maintain a 1:1 peg to USD.
Holding stablecoins in your global account may also have tax reporting implications in your country of residence.
GrabrFi may provide transaction records to help with reporting, but it is your responsibility to file and comply with local tax requirements.
GrabrFi does not provide tax advice. Always consult a qualified tax advisor if you’re unsure about your specific situation.
---
Source: https://help.grabrfi.com/en/content/how-to-receive-stablecoin-transfers-to-your-grabrfi-account
# How to Receive Stablecoin Transfers to Your Global Account
_Category: Stablecoins_
Your global account has permanent deposit addresses for each supported coin and network. Incoming stablecoins are credited to your global account and automatically converted to your account’s currency (USDB or USDC).
### **How to get your deposit address**
1. Open your global account in the GrabrFi app.
2. Tap "Add money", then select "External crypto wallet".
3. Choose the stablecoin (USDC or USDT) and the blockchain network.
4. Copy your deposit address and share it with the sender.
Your deposit address is permanent for each coin and network combination. You can reuse it for future deposits.
### **Supported coins and networks**
| **Stablecoin** | **Supported networks** |
| --- | --- |
| USDC | Solana, Base, Ethereum, Optimism, Polygon, Arbitrum, Avalanche C-Chain |
| USDT | Tron, Ethereum, Solana |
*PYUSD and DAI deposits are not supported.*
### **What happens when you receive stablecoins**
Incoming stablecoins are automatically converted to your account’s currency. For example, if you receive USDT and your account holds USDB, the USDT is converted to USDB and credited to your balance.
### **Processing time**
Deposits are processed after blockchain confirmation. This typically takes a few minutes, depending on network congestion.
### **Receiving ACH or Wire transfers to your global account**
You can also receive dollars directly to your global account via ACH or domestic wire transfer. Incoming dollars are automatically converted to your account’s currency (USDB or USDC). Your account details are provided by Lead Bank through Bridge, and you can find them in the app under your global account.
### **Minimum deposit amounts**
| **Stablecoin / Network** | **Minimum to send** | **Minimum to receive** |
| --- | --- | --- |
| USDC (all networks) | $1 | $1 |
| USDT on Ethereum | $20 | $2 |
| USDT on Tron | $5 | $5 |
| USDT on Solana | $20 | $2 |
For current fees, see the full [schedule of fees](https://help.grabrfi.com/en/content/full-schedule-of-fees).
### **Important**
Always double-check that the sender is using the correct network. Deposits of unsupported assets, or on unsupported networks, may be delayed, rejected, or permanently lost. GrabrFi is not liable for deposits sent with incorrect network, memo, or tag information.
---
Source: https://help.grabrfi.com/en/content/what-does-a-valid-wallet-address-look-like-for-each-supported-network
# What does a valid wallet address look like for each supported network?
_Category: Stablecoins_
When withdrawing to a crypto wallet, you'll need to enter your wallet address correctly. Each blockchain network has its own address format. Here's what you need to know to make sure your funds arrive safely.
## **EVM Networks**
**Supported networks:** Ethereum, Arbitrum, Avalanche C-Chain, Base, Optimism, Polygon.
All these networks use the same address format, which means one address works across all of them.
**What to look for:**
- Starts with **0x**
- Followed by exactly 40 characters
- Uses letters A-F (uppercase or lowercase) and numbers 0-9
- Total length: **42 characters**
*Example: 0x1a2B3c4D5e6F7a8B9c0D1e2F3a4B5c6D7e8F9a0B*
## **Solana**
Solana addresses look a bit different from EVM addresses.
**What to look for:**
- Between **32 and 44 characters** long
- Uses letters and numbers only
- Does **not** include the characters: 0 (zero), O (capital o), I (capital i), or l (lowercase L) — this helps avoid confusion between similar-looking characters
*Example: 7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU*
## **Stellar**
Stellar addresses are easy to recognize because they always start with the letter G.
**What to look for:**
- Starts with **G**
- Followed by 55 characters
- Uses uppercase letters A-Z and numbers 2-7 only
- Total length: **56 characters**
*Example: GCDNJUBQSX7AJWLJACMJ7I4BC3Z47BQUTMHEICZLE6MU4KQBRYG5JY6B*
## **Tron**
Tron addresses are similar in style to Solana but always start with T.
**What to look for:**
- Starts with **T**
- Followed by 33 characters
- Uses letters and numbers
- Does **not** include: 0 (zero), O (capital o), I (capital i), or l (lowercase L)
- Total length: **34 characters**
*Example: TJYrWbM3Qx5sS7vqkT9aT7J2FnPqde4qLR*
## **Tips for a successful withdrawal**
- **Double-check the network**. Make sure you're sending to the correct blockchain. Sending to the wrong network can result in lost funds.
- **Copy and paste**. Always copy your wallet address directly from your wallet app instead of typing it manually.
- **Verify before confirming**: Check the first and last few characters of your address to make sure it's correct.
---
Source: https://help.grabrfi.com/en/content/why-am-i-not-receiving-push-notifications-from-grabrfi
# Why am I not receiving push notifications from GrabrFi?
_Category: Account settings and personal information_
Push notifications are used to help you complete important account actions, such as two-factor authentication (2FA), security confirmations, and account related alerts. If you’re not receiving them, the issue is usually related to device or app settings. Below are the most common reasons and how to fix them.
### 1) Check that notifications are enabled for the GrabrFi app
Make sure notifications are turned on at the device level.
On iOS:
- Go to Settings
- Tap Notifications
- Select GrabrFi
- Make sure “Allow Notifications” is enabled
On Android:
- Go to Settings
- Tap Apps or Notifications
- Select GrabrFi
- Make sure notifications are enabled
### 2) Verify notification permissions inside the app
If you denied notification permissions when installing the app, notifications may be blocked.
Open the GrabrFi app and make sure notifications are allowed, go to:
- More
- Settings
- Notifications, and turn on both options named "Push notifications".
### 3) Check battery and background settings
Some devices restrict notifications to save battery.
Please check that:
- Battery optimization or low power mode is not restricting GrabrFi
- Background app refresh is enabled
- Data saver modes are not blocking background activity
These settings vary by device and operating system.
### 4) Confirm your internet connection
Push notifications require an active internet connection.
Make sure your device has a stable WiFi or mobile data connection. Unstable connectivity or frequent network switching can delay notifications.
### 5) Update the app and your device
Using an outdated version of the app or operating system can affect notification delivery.
Please ensure:
- The GrabrFi app is updated to the latest version
- Your device operating system is up to date
### Still not receiving notifications?
If you’ve checked all the steps above and are still not receiving push notifications, please contact our support team. Let us know:
- Your device type (iOS or Android)
- Whether notifications were previously working
- The approximate date you noticed the issue
---
Source: https://help.grabrfi.com/en/content/why-am-i-not-receiving-verification-codes-from-grabrfi
# Why am I not receiving verification codes from GrabrFi?
_Category: Account settings and personal information_
Verification codes or one-time passwords (OTPs) are used to help you complete important actions on your GrabrFi account, such as logging in or confirming sensitive changes. If you're not receiving your code, follow the steps below.
### **How GrabrFi sends verification codes**
GrabrFi delivers verification codes through three channels, depending on your device and settings:
- **Push notification**. The default if you're logged in on a mobile device with notifications enabled.
- **WhatsApp**. The default when logging in on a new device. WhatsApp delivery is enabled for all users by default.
- **SMS**. Available as an alternative if push or WhatsApp is unavailable, or if you've turned off WhatsApp delivery in your settings.
### **Try an alternative delivery method**
If your code doesn't arrive through the default method, tap the option on the verification screen to receive it through a different channel. For example, if you didn't receive a WhatsApp message, you can choose SMS instead.
### **Troubleshooting WhatsApp delivery**
If you're not receiving codes via WhatsApp:
- Make sure WhatsApp is installed and up to date on your device.
- Make sure the phone number linked to your WhatsApp account matches the number on your GrabrFi profile.
- Check that your device has an active internet connection (Wi-Fi or mobile data).
- Check that WhatsApp notifications are enabled in your device settings.
- Look in your WhatsApp chat list for a message from GrabrFi.
If you prefer not to receive codes via WhatsApp, you can disable it in your [two-factor authentication settings](https://app.grabrfi.com/more/profile/mfa-methods). Go to **More → Settings → Two-factor authentication → WhatsApp** and tap to disable. You'll then receive codes via SMS when push is not available.
### **Troubleshooting SMS delivery**
If you're not receiving codes via SMS:
**1) Confirm your phone number**
Make sure the phone number you entered during sign-up is correct and active. If you recently changed mobile carriers but kept the same number, SMS delivery may be temporarily affected.
**2) Check spam or blocked messages on Android devices**
On some Android devices, SMS messages may be automatically filtered as spam.
To check this:
- Open the Messages app
- Tap the three-dot icon in the top right corner
- Select "Spam & blocked messages"
- Check if your access code appears there
If you find the message, mark it as not spam to prevent this from happening again.
**3) Check your mobile carrier and network**
SMS delivery depends on your mobile carrier. Temporary network issues or restrictions from your provider may prevent messages from being delivered. If possible, check with your carrier to confirm there are no known issues.
**4) Verify your device can receive SMS**
Make sure your device is able to receive SMS messages and is not blocking messages from unknown senders. Restarting your device can also help resolve temporary issues.
**5) Avoid roaming or unstable connectivity**
SMS messages may not be delivered properly while roaming or when your device is moving between networks. For best results, retry when connected to a stable cellular connection.
### **Wait and try again**
If you recently attempted verification multiple times, please wait 24 hours before trying again. Then retry the process using a stable connection.
### **Still not receiving codes?**
If the issue continues after 24 hours, please contact our support team and include:
- The date of your last verification attempt
- Which delivery method you tried (push, WhatsApp, or SMS)
- Whether you recently changed mobile carriers
- Whether your account is in sign-up or already fully opened
Our team will be happy to help.
---
Source: https://help.grabrfi.com/en/content/transfer-to-anyone-terms-and-conditions
# Transfer to Anyone Terms and Conditions
_Category: Legal_
**Effective Date:** September 1st, 2025
These Transfer to Anyone Terms and Conditions (“Terms”) govern the use of the Transfer to Anyone feature provided by GrabrFi (“we,” “us,” or “our”). By using this feature, you (“you,” “Sender,” or “Recipient”) agree to these Terms, along with GrabrFi’s Terms of Service, Privacy Policy, and any other applicable policies governing your GrabrFi account.
GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank. Banking services are provided by Regent Bank, Member FDIC. FDIC insurance only covers the failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
## 1. Overview of Transfer to Anyone
The Transfer to Anyone feature allows GrabrFi users (“Senders”) to send funds to both existing and non-existing GrabrFi users (“Recipients”) via a shareable link.
- If the Recipient has an active GrabrFi account, they may claim the funds immediately.
- If the Recipient does not have a GrabrFi account, they must register for a GrabrFi account and complete the Know Your Customer (KYC) verification process to claim the funds.
- Funds are held in a transit account until claimed.
- If the Recipient fails to claim the transfer within **20 days**, or if their GrabrFi account application is denied, the funds will be returned to the Sender’s account.
## 2. Eligibility & Account Requirements
### 2.1 Sender Eligibility
To use Transfer to Anyone, you must:
- Be an active GrabrFi account holder in good standing;
- Have sufficient funds available in your GrabrFi account to cover the transfer amount;
- Not be subject to any restrictions, account holds, or fraud investigations by GrabrFi.
### 2.2 Recipient Eligibility
A Recipient must:
- Have or create a GrabrFi account;
- Successfully complete KYC verification before receiving the funds;
- Meet all eligibility requirements set by GrabrFi (e.g., country of residence, age, regulatory compliance).
If the Recipient does not meet these requirements, they will not be able to claim the funds, and the transfer will be canceled and the funds will automatically return to the sender.
## 3. How Transfers Work
### 3.1 Initiating a Transfer
- The Sender enters the transfer amount and an optional message.
- The Sender confirms the transaction using 2FA authentication.
- Funds are debited from the Sender’s account and placed in a GrabrFi transit account.
- A unique, time-limited claim link is generated and must be shared with the Recipient.
### 3.2 Claiming a Transfer
- If the Recipient is an existing GrabrFi user, they can claim the funds immediately.
- If the Recipient is new to GrabrFi, they must:
- Register for a GrabrFi account;
- Complete KYC verification before receiving the funds.
Once the Recipient begins the claim process, the transfer is locked to their account, preventing anyone else from claiming it.
### 3.3 Transfer Expiration & Return of Funds
- The Recipient has **20 days** to claim the transfer.
- If the transfer is not claimed within this period, it will expire, and funds will be automatically returned to the Sender’s account.
- If the Recipient fails KYC verification or their account is denied, the funds will be returned to the Sender.
### 3.4 Sender-Initiated Cancellation
- The Sender may cancel the transfer anytime before the funds are credited to the Recipient’s account.
- Once the Recipient has successfully claimed the funds, the transfer cannot be reversed.
## 4. Fees & Transfer Limits
- The same [fees and transfer limits](https://help.grabrfi.com/en/content/user-transfer-terms?ref=is&_q=instant%20transfers%20terms) that apply to internal transfers on GrabrFi apply to Transfer to Anyone transactions.
- GrabrFi reserves the right to impose or adjust transaction limits and fees as needed for security, regulatory compliance, or fraud prevention.
## 5. Fraud Prevention, Security & Compliance
### 5.1 KYC & AML Compliance
GrabrFi is required to comply with U.S. financial regulations, including the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules. As such:
- All transfers are subject to fraud monitoring and compliance checks.
- GrabrFi may delay, hold, cancel, or reject transfers if fraud, illegal activity, or regulatory violations are suspected.
- GrabrFi reserves the right to deny a Recipient’s ability to claim funds if they fail KYC verification or present compliance risks.
### 5.2 Unauthorized Transactions & Reversals
- **Once the Recipient claims the transfer, the transaction is final.**
- GrabrFi **is not responsible** for incorrect transfers resulting from user error (e.g., sharing the link with the wrong person).
- If GrabrFi detects unauthorized activity, we may **reverse a transaction**, return funds to the Sender, or freeze the account in question.
## 6. Disclaimer of Liability
- GrabrFi does not guarantee that a Recipient will successfully register or claim funds.
- GrabrFi is not liable for transfers sent to unintended Recipients due to user error.
- GrabrFi is not responsible for third-party access to claim links if a Sender shares the link with unauthorized persons.
- Transfers may be delayed, canceled, or rejected due to fraud, compliance issues, or technical reasons beyond GrabrFi’s control.
## 7. Changes to These Terms
GrabrFi reserves the right to modify these Transfer to Anyone Terms at any time. Changes will become effective upon posting. Continued use of the feature constitutes acceptance of the revised terms.
## 8. Contact Information
For questions about these terms or issues with a transfer, please contact **GrabrFi Customer Support** at:
📧 [support@grabrfi.com](mailto:support@grabrfi.com) or 📱[inside the app](https://app.grabrfi.com/support)**.**
---
Source: https://help.grabrfi.com/en/content/transfer-to-anyone-frequently-asked-questions
# Transfer to Anyone – Frequently Asked Questions
_Category: Transactions and transfers_
**What is Transfer to Anyone?**
Transfer to Anyone lets you send money to someone even if they don’t yet have a GrabrFi account. The funds are held securely until the recipient claims them.
**How does the recipient receive the money?**
If the recipient already has a GrabrFi account, they can claim the funds immediately.
If they don’t have an account, they’ll need to sign up and complete identity verification (KYC) before receiving the funds.
**How long does the recipient have to claim the transfer?**
The recipient has **20 days** to claim the transfer. If it’s not claimed within this period, the funds are automatically returned to the sender.
**What happens if the recipient doesn’t complete sign up or fails verification?**
If the recipient doesn’t finish onboarding or does not pass KYC verification within the claim period, the transfer is canceled and the funds are returned to the sender.
**Can I cancel a transfer?**
Yes. You can cancel a transfer at any time before the funds are credited to the recipient’s account. Once the recipient claims the funds, the transfer can’t be reversed.
**Can someone else claim the transfer?**
No. Once a recipient starts the claim process, the transfer is locked to their account to prevent anyone else from claiming it.
**Are there fees or limits?**
Yes. The same fees and transfer limits that apply to internal transfers on GrabrFi also apply to Transfer to Anyone.
**Will I be notified about the transfer status?**
Yes. Both the sender and the recipient receive notifications when the transfer is claimed, canceled, or expires.
**P**lease review the **Transfer to Anyone Terms and Conditions** available [here](https://help.grabrfi.com/en/content/transfer-to-anyone-terms-and-conditions?ref=is&_q=transfer%20to%20any).
---
Source: https://help.grabrfi.com/en/content/incoming-usdt-transfer-pending
# Incoming USDT transfer pending
_Category: Stablecoins_
If your incoming USDT transfer still shows as **Pending** the next business day, it means the conversion to your global account has not been completed yet. This can happen when USDT is trading outside the execution limit used by our partner for USDT-to-USD exchanges.
#### **What's happening?**
Incoming USDT to your global account goes through these steps:
- USDT is received for conversion.
- USDT is exchanged and credited to your global account balance (USDB or USDC).
Although USDT is a stablecoin designed to maintain a 1:1 parity with USD, its price may fluctuate depending on market conditions. When this happens and USDT drops below $0.9990 (a 0.1% deviation from $1.00), our partner temporarily pauses exchanges to prevent executing trades at a worse rate without your approval. The USDT is held at the conversion step and will be exchanged once it returns within the limit.
#### **What you'll see in GrabrFi**
- The transfer status remains **Pending**.
- Your balance does not update until the exchange completes.
#### **When will it be completed?**
Your transfer will process automatically once USDT returns within the exchange limit, usually within 24-48 hours during normal market conditions.
Note: USDT received to your wallet is subject to a 0.1% conversion fee. For example, 100 USDT sent to your wallet will be credited as approximately 99.9 USDB or USDC.
#### **How often does this happen?**
The chart below shows the USDT/USD conversion rate over the last 60 days. The red shaded areas indicate periods when USDT traded below the $0.9990 threshold, temporarily pausing automatic conversions.
USDT/USD conversion rate, last 60 days (Jan 29th, 2026)
These dips are infrequent and typically short-lived, usually resolving within a few hours to a couple of days.
#### **If you need it processed now**
If you do not want to wait, contact our support team and request execution at the **current market rate**. For large transfers (over **$100,000**), processing may require 1-2 additional business days.
#### **Track the USDT price**
View USDT price on CoinMarketCap
#### **FAQ**
**Is my transfer lost?** No. It is waiting at the conversion step and will continue once the exchange is available again.
**Does this affect all stablecoins?** This applies to **USDT** transfers only. Other assets may have different limits and behavior.
---
Source: https://help.grabrfi.com/en/content/what-is-usdb
# What is USDB?
_Category: Stablecoins_
USDB is a USD-pegged stablecoin issued by **Bridge Building Inc** (NMLS #2450917), a subsidiary of **Stripe, Inc**. Each USDB token is designed to maintain a stable value of one U.S. dollar.
## **How USDB works**
- **1:1 USD peg.**Each USDB token is backed by US dollar reserves held in high-quality, liquid assets including US Treasuries, money market funds, and cash.
- **Segregated reserves.**Reserves are held in segregated, bankruptcy-remote accounts, meaning they are legally separated from Bridge’s own operating funds.
- **Redeemable.**USDB can be redeemed for one US dollar, subject to Bridge’s Stablecoin Terms.
## **Why does GrabrFi use USDB?**
GrabrFi partners with Bridge (a Stripe company) to provide stablecoin transfer and wallet services. USDB is the default wallet currency for users in most supported countries because it offers lower transaction costs and tight integration with Bridge's infrastructure.
USDB is also one of the most transparent and trustworthy stablecoins available. It is issued by Bridge Building Inc, a regulated entity (NMLS #2450917) and a subsidiary of Stripe, a globally trusted financial technology company. Reserves backing USDB are held in segregated, bankruptcy-remote accounts, meaning your funds are legally protected from Bridge's operating risks.
Users in European Economic Area (EEA) countries are assigned USDC instead of USDB as their wallet currency.
## **How is USDB different from USDC or USDT?**
USDB, USDC, and USDT are all USD-pegged stablecoins. They work the same way conceptually: each token represents one US dollar. The difference is the issuer:
| **Stablecoin** | **Issuer** | **Backed by** |
| --- | --- | --- |
| USDB | Bridge (Stripe) | US Treasuries, money market funds, cash |
| USDC | Circle | US dollars and US Treasuries |
| USDT | Tether | Reserves including US Treasuries, cash equivalents |
When you send stablecoins from your GrabrFi wallet, your USDB balance is automatically converted to the destination stablecoin you select (USDC, USDT, or PYUSD). When you receive stablecoins, incoming tokens are automatically converted to USDB in your wallet.
## **Important information**
- USDB is backed 1:1 by cash and money market funds. It is a digital asset, not a bank deposit.
- USDB does not convey any direct or indirect property interest in reserve assets.
- Reserve assets backing USDB may generate returns; any such returns belong to Bridge and/or GrabrFi. You have no entitlement to interest or yield on your USDB balance.
## **Learn more**
For more details about USDB, visit the [Bridge USDB overview](https://www.bridge.xyz/news/usdb)
Bridge FAQ and legal terms: [bridge.xyz/legal](https://www.bridge.xyz/legal)
---
Source: https://help.grabrfi.com/en/content/is-my-stablecoin-balance-fdic-insured
# Is My Stablecoin Balance FDIC Insured?
_Category: Stablecoins_
**No. Your global account is not FDIC insured.**
### **How this is different from a bank account**
In a bank account, your money is held at a bank as a deposit. If that bank fails, FDIC insurance covers your balance up to $250,000 per depositor, per ownership category. FDIC insurance covers the failure of insured banks. It does not cover other losses.
Your global account works differently. Your balance is held as a US dollar stablecoin. You are a creditor of the issuer, not a depositor of a bank. If the issuer fails or becomes insolvent, you may lose some or all of your funds, and you may have to wait to recover any funds.
### **How your funds are held**
#### **If you are outside the EEA**
- Your balance is represented by USDB, a US dollar stablecoin. Services are provided by [Bridge](https://apidocs.bridge.xyz/platform/issuance/faq) Ventures LLC.
- USDB is backed one to one by cash and short-duration US Treasuries.
- Those reserves are held in segregated, bankruptcy-remote accounts at regulated financial institutions. This segregation is designed to keep the reserve assets separate from Bridge’s operating funds, including in an insolvency.
- USDB is redeemable for one US dollar, subject to the Bridge stablecoin terms. USDB does not convey any property interest in the reserve assets.
#### **If you are in the EEA**
- Your balance is represented by USDC, a US dollar stablecoin issued by [Circle](https://www.circle.com/transparency)’s EU-authorized entity.
- You have a legal right to redeem USDC at par value, one US dollar per USDC, under Circle’s redemption policy.
- Your USDC is held through Bridge’s EEA entity. Under EU regulation, your assets are segregated from Bridge’s own assets and are protected in the event of Bridge’s insolvency.
- USDC does not convey any property interest in Circle’s reserve assets.
### **These safeguards are not insurance**
Reserve backing, segregation, and redeemability reduce certain risks. They do not remove them, and they are not FDIC or SIPC insurance.
Your stablecoin is intended to track the value of the US dollar. It may not always do so. The value can move away from one US dollar, temporarily or permanently, and you could receive less than the amount you put in.
For the full list of risks, including de-peg, custody, and availability risk, see: [What are the risks of using stablecoins](https://help.grabrfi.com/content/what-are-the-risks-of-using-stablecoins-and-what-are-my-responsibilities)?
---
Source: https://help.grabrfi.com/en/content/what-is-the-global-account
# What is the global account?
Your global account holds your money as a US dollar stablecoin (USDB or USDC, depending on your country). You can send and receive stablecoins directly, receive dollars by ACH or wire, and spend with your card.
### **What can you do with your global account?**
- **Hold stablecoins.**Keep a stablecoin balance in your global account.
- **Send stablecoins.**Send USDC, USDT, or PYUSD to any supported external address directly from your balance.
- **Receive stablecoins.**Receive supported stablecoins to your permanent deposit addresses. Incoming tokens are automatically converted to your account currency.
- **Receive ACH and wire transfers.**Use your account details to receive dollars by ACH or domestic wire. Incoming dollars are automatically converted to your account currency.
- **Pay with your card.**Your global card spends from your global account balance.
### **USDB or USDC: Which account currency do I get?**
Your account currency is assigned automatically based on your country of residence and cannot be changed:
- **EEA countries:**USDC, issued by [Circle](https://www.circle.com/transparency).
- **All other supported countries:**USDB. Services are provided by [Bridge](https://apidocs.bridge.xyz/platform/issuance/faq) Ventures LLC.
*See the full list of supported countries at*[*grabrfi.com/about*](http://grabrfi.com/about).
### **What about my existing stablecoin receive addresses?**
**Important: Your old receive addresses will stop working. After your Regent account closes, the addresses linked to your checking account will no longer be valid, and stablecoins sent to them will fail.**
Before you upgrade, update your saved addresses anywhere you receive stablecoins: exchanges, wallets, employers, or anyone who sends to you on a recurring basis. Use the receive addresses found in your global account in the app.
For current fees, see the [full schedule of fees](https://help.grabrfi.com/en/content/full-schedule-of-fees).
---
Source: https://help.grabrfi.com/en/content/more-ways-to-receive-your-verification-codes
# More ways to receive your verification codes
We've improved how GrabrFi delivers verification codes to make sign-in faster and more reliable, especially for users outside the United States.
### **What's new**
- **WhatsApp delivery is now available.** When you need to verify your identity, GrabrFi can send your one-time code directly to your WhatsApp account. This is enabled by default for all users.
- **You can now choose how you receive codes.** If your code doesn't arrive through the default method, you'll see an option on the verification screen to try a different delivery channel.
### **How it works**
GrabrFi now delivers verification codes through three channels:
- **Push notification**. Your default when you're logged in on a mobile device with notifications enabled.
- **WhatsApp**. The default when logging in on a new device or when push is not available.
- **SMS**. Available as an alternative if WhatsApp or push doesn't work for you.
2FA with GrabrFi: Additional delivery options
### **Why WhatsApp?**
Many of our users are based in regions where SMS delivery can be slow or unreliable. WhatsApp works over any internet connection and doesn't depend on your mobile carrier, so codes arrive faster and more consistently.
### **Prefer not to use WhatsApp?**
You can disable WhatsApp delivery anytime in your [two-factor authentication settings](https://app.grabrfi.com/more/profile/mfa-methods). Go to **Profile → Two-factor authentication → WhatsApp** and tap to disable. When WhatsApp is disabled, you'll receive codes via SMS when push isn't available. [Learn how to manage your verification methods.](https://help.grabrfi.com/en/content/how-to-turn-off-whatsapp-verification-codes)
2FA with GrabrFi: Optoin to disable WA
---
Source: https://help.grabrfi.com/en/content/how-to-turn-off-whatsapp-verification-codes
# How to turn off WhatsApp verification codes
_Category: Security_
By default, GrabrFi can send verification codes or one-time passwords (OTPs) to your WhatsApp account. If you prefer to receive codes only via push notification or SMS, you can turn off WhatsApp delivery in your settings.
### **How to turn off WhatsApp delivery**
- Open the GrabrFi app.
- Go to **More**.
- Select **Settings**
- Tap **Two-factor authentication**.
- Tap **WhatsApp**.
- Confirm that you want to disable it.
The status will change from **Active** to **Disabled**.
You can also go directly to your [two-factor authentication settings](https://app.grabrfi.com/more/profile/mfa-methods).
2FA at GrabrFi: How to turn off WhatsApp
### **What happens when WhatsApp is disabled**
Once WhatsApp delivery is disabled:
- If you're logged in on a mobile device with push notifications enabled, you'll continue to receive codes via push notification.
- When push is not available (for example, when logging in on a new device), you'll receive codes via SMS instead of WhatsApp.
### **Can I turn WhatsApp back on?**
Yes. Go to **More → Settings → Two-factor authentication → WhatsApp** and re-enable it. The status will change back to **Active**.
### **Why does GrabrFi use WhatsApp?**
WhatsApp delivery is more reliable than SMS in many regions, especially for users outside the United States. It does not depend on mobile carrier availability and works over any internet connection (Wi-Fi or mobile data), which makes it a good fit for international users.
---
Source: https://help.grabrfi.com/en/content/countries-where-grabrfi-is-not-accessible
# Countries where GrabrFi is not accessible
_Category: Security_
Due to international sanctions and compliance requirements, the GrabrFi website and app are not accessible from the following countries and networks:
- Afghanistan
- Belarus
- Burundi
- Central African Republic
- Chad
- Congo (Brazzaville)
- Congo (Kinshasa)
- Cuba
- Eritrea
- Iran
- Iraq
- Libya
- Myanmar
- North Korea
- Pakistan
- Russia
- Somalia
- South Sudan
- Sudan
- Syria
- Venezuela
- Yemen
- Zimbabwe
Access is also blocked when using the Tor network.
If you are a GrabrFi user traveling to one of these regions, you will not be able to access your account while there. Please plan accordingly before your trip.
If you believe your access has been restricted in error, please contact our support team.
---
Source: https://help.grabrfi.com/en/content/grabrfi-qr-payment-terms-dVehm
# GrabrFi QR Payment Terms
_Category: Legal_
**Last Updated:**August 23, 2026
These GrabrFi QR Payment Terms (**"Terms"**) govern your use of the QR payment functionality (the **"QR Payment Service"** or **"Service"**) made available through the GrabrFi platform operated by **Grabr, Inc.** (**"Grabr,"** **"we,"** or **"us"**).
These Terms supplement and are incorporated into the **GrabrFi Terms of Use**, available at [https://help.grabrfi.com/content/terms](https://help.grabrfi.com/content/terms) (the **"Terms of Use"**). If there is a conflict, these Terms control only for the QR Payment Service.
The QR Payment Service allows eligible users to make payments in supported countries by scanning QR codes within the GrabrFi app. Payments are debited from your Funding Source, which is your global account, debited in digital dollars (USDB or USDC, depending on your country of residence), and delivered to the recipient in local currency through third-party payment infrastructure.
By initiating or using the QR Payment Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and the Terms of Use.
## **Definitions**
- **"Service"** or "QR Payment Service" means the QR scanning and payment functionality made available through GrabrFi as described in these Terms.
- **"QR Code"** means a quick-response code used to initiate a payment from a user to a merchant, service provider, or individual in a Supported Country.
- **"Closed QR"** means a QR Code that contains a pre-defined payment amount set by the merchant or recipient, which the user cannot modify.
- **"Open QR"** means a QR Code that does not contain a pre-defined payment amount. The amount is either entered by the user in-app or defined by the recipient after the QR Code is scanned.
- **"Payment Preview"** means the screen displayed to the user before confirmation, showing the local currency amount, exchange rate, amount to be debited from the Funding Source, applicable fees, and total cost.
- **"Funding Source"**means your global account, from which QR payments are debited in digital dollars (USDB or USDC, determined by your country of residence and pegged 1:1 to USD), as further described in the GrabrFi Stablecoin Transfer Terms.
- **"DePay"** means the third-party payment processor (operating at [depay.us](http://depay.us)) that receives QR Code content from Grabr, determines QR characteristics, calculates currency conversion, and routes payment instructions to local financial actors.
- **"Local PSP"** means a local payment service provider or bank that executes the payment within the local financial system of the destination country.
- **"Supported Country"** means a country in which the QR Payment Service is available. The current list of Supported Countries and QR networks is available in the GrabrFi app and on the GrabrFi help center.
## **1. Description of the Service**
The Service enables eligible users to:
- **(a) Scan a QR Code** at a merchant, service provider, or individual in a Supported Country using the GrabrFi app.
- **(b) Review a Payment Preview** showing the local currency amount, exchange rate, amount to be debited from the Funding Source, applicable fees, and total cost.
- **(c) Confirm the payment** to authorize a debit from the Funding Source and delivery of funds to the recipient in local currency.
- **(d) View transaction history** and receipts for completed QR payments.
Grabr provides the app interface, including QR scanning, Payment Preview, confirmation flow, transaction history, and receipts. Payment processing, currency conversion, and interaction with local financial infrastructure are handled by third-party providers as described in Section 2. We may add, remove, or modify features of the Service at any time.
## **2. Relationship Between Parties**
1. **Grabr (app layer).**Grabr provides the front-end interface for QR payments, including QR scanning, Payment Preview, user authorization, confirmation flow, transaction history, receipts, and customer support. Grabr is a financial technology company, not a bank, and does not operate or participate in the local banking or payment infrastructure used to complete QR payments.
2. **DePay (payment processor).**Payment processing services are provided by DePay, a third-party payment processor. DePay receives the QR Code content from Grabr, determines QR characteristics (including whether the QR is Open or Closed and the recipient’s information), calculates currency conversion, and routes payment instructions to Local PSPs. DePay does not interact directly with GrabrFi users, and Grabr is not responsible for DePay’s systems, uptime, processing decisions, or compliance actions.
3. **Local PSPs and banks (execution).**Payments are executed within the local financial system by Local PSPs or banks in the destination country. Local PSPs return the final payment status (success, rejected, or failed) to DePay, which in turn reports it to Grabr.
By initiating a QR payment, you:
- Authorize Grabr to share your transaction data and relevant identity information with DePay and, as needed, Local PSPs, for the purpose of processing the payment, compliance, and fraud prevention;
- Authorize Grabr to debit your Funding Source for the amount and applicable fees shown on the Payment Preview;
- Authorize DePay to process and route your payment instruction to the Local PSP; and
- Understand that nothing in these Terms creates a joint venture, partnership, or agency relationship between you and DePay or any Local PSP.
## **3. Eligibility**
To access the QR Payment Service, you must:
- Have a verified GrabrFi account in good standing;
- Have completed all required Know Your Customer (KYC) and Anti-Money Laundering (AML) verification steps;
- Not be a resident of, or located in, a sanctioned or restricted jurisdiction (as defined by OFAC, the EU, or other applicable laws); and
- Use the Service solely for lawful purposes.
Grabr, its payment partners, and sponsor banks may require ongoing re-verification or additional documentation as regulations evolve. Grabr may restrict, suspend, or terminate your access to the Service if we believe your activity violates law, sanctions, or Grabr’s compliance policies.
## **4. Supported Countries**
The QR Payment Service is available in select countries. The current list of Supported Countries and QR networks is available in the GrabrFi app and on the GrabrFi help center. Grabr may add or remove Supported Countries or QR networks at any time, without prior notice where required by regulatory, security, or third-party provider considerations. Availability may vary by user location, account status, and regulatory requirements.
## **5. How QR Payments Work**
### **5.1 Payment Flow**
1. You open the QR scanner in the GrabrFi app and scan a QR Code at a merchant, service provider, or individual.
2. Grabr transmits the QR Code content to DePay.
3. DePay determines the QR Code characteristics and returns payment details to Grabr.
4. Grabr displays the Payment Preview to you, showing the fields set out in Section 6 (Exchange Rates and Currency Conversion).
5. You review the Payment Preview and confirm the payment. Your confirmation constitutes express authorization to debit your Funding Source.
6. Upon confirmation, Grabr debits your Funding Source for the amount plus any applicable flat fee shown on the Payment Preview, in the denomination of your Funding Source (USDB, or USDC).
7. DePay routes the payment instruction to the Local PSP for execution.
8. The Local PSP processes the payment and returns a final status.
9. Grabr displays the result in-app and stores a receipt in your transaction history.
During processing, the app may display statuses such as "Processing," "Confirming," or similar. Processing time depends on the availability of the local financial system and is outside Grabr’s control.
### **5.2 QR Types**
**Closed QR (amount pre-set).** The QR Code contains a pre-defined amount in local currency. You cannot modify the amount. The Payment Preview will display the fixed local currency amount and the corresponding amount to be debited from your Funding Source.
**Open QR (amount not set).** The QR Code does not contain a pre-defined amount. Depending on the type of QR Code generated by the recipient, either:
- **(a) User-entered amount.**The app will prompt you to enter the amount in local currency, after which you proceed to the standard Payment Preview and confirmation screen; or
- **(b) Recipient-defined amount.**The recipient will define the amount on their side, and the app will update with the amount once received, after which you proceed to the standard Payment Preview and confirmation screen.
### **5.3 Session Expiry**
A QR payment session is valid for a limited period after the QR Code is scanned, as determined by Grabr and its payment partners. If the session expires before you confirm the payment, you must scan a new QR Code to start again.
## **6. Exchange Rates and Currency Conversion**
The exchange rate applied to your QR payment is provided by our payment processing partners and is displayed to you on the Payment Preview before confirmation. The rate is live and refreshed with every payment initiation.
At the moment you confirm the payment, Grabr performs a final rate check. If the exchange rate has changed, you will see a notification that the rate has expired and the updated rate will be displayed. You must re-confirm the payment at the updated rate to proceed.
The rate shown at confirmation is the rate applied to the transaction. No retroactive adjustments will be made after confirmation. Grabr does not guarantee any specific exchange rate and disclaims liability for any losses arising from currency fluctuations or differences between quoted and actual exchange rates.
The Payment Preview will display, before confirmation:
- the amount in local currency;
- the exchange rate applied;
- the amount to be debited from your Funding Source, shown in the denomination of your Funding Source (USD, USDB, or USDC);
- any applicable fees; and
- the total cost of the payment.
If any additional fees apply from the local payment infrastructure, they will be displayed on the Payment Preview before confirmation.
## **7. Fees**
Certain QR payment transactions are subject to a flat fee that varies by Supported Country. Where applicable, the flat fee is displayed on the Payment Preview before you confirm the payment.
The authoritative reference for QR payment fees is the GrabrFi **Schedule of Fees**, available at [https://help.grabrfi.com/en/content/full-schedule-of-fees](https://help.grabrfi.com/en/content/full-schedule-of-fees). Fees may vary by Supported Country and may be updated from time to time; any changes will be reflected in the Schedule of Fees and communicated in accordance with Section 18 (Modifications).
By initiating a QR payment, you agree to review and accept any fees that apply.
## **8. Transaction Limits**
QR payments are subject to per-transaction, daily, and monthly limits. The current limits are available at [https://help.grabrfi.com/en/content/account-transfer-limits](https://help.grabrfi.com/en/content/account-transfer-limits). Grabr reserves the right to change these limits or impose new limits at any time for security, regulatory, or compliance reasons, without prior notice where such notice is not required by law.
Limits may differ by user profile, Supported Country, and verification level. Grabr may apply additional velocity or amount controls as part of fraud prevention and AML monitoring.
## **9. Payment Statuses and Processing Times**
Processing time for a QR payment depends on the availability of the local financial system and the responsiveness of third-party providers. Grabr is not responsible for delays caused by DePay, Local PSPs, network issues, or other factors outside its reasonable control.
A QR payment can result in one of the following outcomes:
**Success.** The Local PSP confirms the payment was executed. The amount and fee shown on the Payment Preview are debited from your Funding Source, and a receipt is stored in your transaction history.
**Failed or rejected.** The payment is not executed by the Local PSP. If your Funding Source was already debited, the full amount debited (including any applicable flat fee) will be returned to the Funding Source from which the payment was initiated, immediately upon receipt of failure confirmation from the provider.
**Processing.** The payment is in progress. The app will update the status once the Local PSP returns a final result.
## **10. Refunds and Disputes**
QR payments are irrevocable once confirmed. The only path to recover funds after a confirmed QR payment is a merchant-initiated refund. There is no chargeback or dispute mechanism comparable to card networks.
**No chargebacks.** Grabr and its payment partners do not process user-initiated disputes or chargebacks for QR payments. If you believe a payment was unauthorized (for example, due to account compromise or fraud), this is handled under the Terms of Use, not through the QR payment network.
For any dispute about goods or services received (including quality, delivery, or the merchant’s refund policy), you must contact the merchant directly. Grabr cannot force a refund or reverse a QR payment on your behalf.
**Refund mechanics.** Only the merchant or payment recipient can initiate a refund, whether total or partial, subject to the timeframes and rules of the local payment network and the merchant’s own refund policy. The merchant returns the funds in local currency to the payment processor. Once the payment processor confirms receipt of the refunded funds, Grabr credits the refunded amount to your account. Grabr does not initiate refunds on behalf of merchants and does not control whether or when a merchant returns funds.
**Refund timing.** Refund timing has two stages:
- **Stage 1 (merchant to payment processor).**Timing depends entirely on the merchant and local payment network rules and may range from minutes to several weeks. Grabr has no visibility or control over this stage.
- **Stage 2 (Grabr to user).**Once Grabr receives confirmation from the payment processor that the refund has been received, Grabr will credit your account within fourteen (14) business days, and in most cases within minutes.
**Refund amount and FX.** The refund amount returned to you is the local currency amount refunded by the merchant, converted to the denomination of your original Funding Source (USDB, or USDC) at the QR payment exchange rate in effect at the time Grabr credits the refund to your account. Because exchange rates fluctuate, the rate applied to the refund will likely differ from the rate applied to the original payment, and the refunded amount may be higher or lower than the amount originally debited from your Funding Source. You bear the FX risk on refunds. For partial refunds, the amount returned is calculated on the refunded local currency portion, converted at the same refund time rate.
**Fees on refunds.** For merchant-initiated refunds, the flat transaction fee (where applicable) is non-refundable. If a payment fails due to a system error and does not reach the merchant, the flat fee is refunded in full along with the principal.
**Refund destination.** Refunds are credited to the same Funding Source from which the original payment was initiated.
**Country-specific refund rules.** Refund availability and timeframes vary by Supported Country and local payment network. In some countries, refunds are not supported once a payment is confirmed. See the GrabrFi help center for current country-specific rules.
## **11. Irrevocability and User Responsibility**
Once you confirm a QR payment, the payment instruction is final and cannot be canceled or reversed by you. Merchant-initiated refunds are a separate process, as described in Section 10.
You are solely responsible for:
- Verifying the recipient, amount, exchange rate, and total cost on the Payment Preview before confirming the payment;
- Ensuring the QR Code you scan was provided by a legitimate recipient;
- Ensuring sufficient funds are available in your Funding Source before confirming the payment; and
- Reporting unauthorized transactions to Grabr and, where applicable, to the merchant promptly.
Grabr will make commercially reasonable efforts to assist users who report incorrect or unauthorized payments, but cannot guarantee recovery of funds once a QR payment has been confirmed.
## **12. Your Obligations**
By using the Service, you agree to:
- Comply with all applicable laws and regulations, including AML and CTF laws;
- Use the Service only for lawful purposes and only with QR Codes you have the right to pay;
- Provide accurate and up-to-date personal information, and promptly update it if it changes;
- Ensure sufficient funds in your Funding Source to cover the amount plus applicable fees shown on the Payment Preview;
- Review each Payment Preview before confirmation; and
- Refrain from using the Service to circumvent AML controls, structure transactions to avoid limits, or for any of the Prohibited Uses listed in Section 16.
## **13. Compliance, Monitoring, and Suspension**
Grabr and its payment partners continuously monitor QR payments for suspicious, prohibited, or unusual activity. Grabr, its payment partners, or sponsor banks may, without prior notice:
- Delay, freeze, or cancel a QR payment;
- Request additional information or documentation about a specific QR payment for compliance, AML, or fraud prevention purposes;
- Hold, delay, or cancel the specific transaction pending receipt of the requested information; or
- Report activity to competent authorities.
Failure to provide requested information within the communicated timeframe may result in cancellation of the transaction and return of funds (minus any fees permitted by law) to the Funding Source from which the payment was initiated.
You acknowledge that compliance checks may introduce processing delays or cancellations.
## **14. Service Availability and Discontinuation**
The QR Payment Service depends on third-party providers and local financial infrastructure. Grabr may suspend or discontinue the Service in any Supported Country, or the Service as a whole, at any time. Where practical, Grabr will provide advance notice via in-app notification or email. In the case of regulatory, security, or third-party provider issues, the Service may be suspended without prior notice.
## **15. Risks and Disclaimers**
By using the Service, you acknowledge and accept the following risks:
- **QR Code risks.**Malicious or incorrect QR Codes may direct payments to unintended recipients. You are responsible for verifying the recipient and amount on the Payment Preview before confirming.
- **Third-party infrastructure risks.**The Service depends on DePay, Local PSPs, and local financial networks. Outages, maintenance, or operational failures of these providers may delay or prevent settlement.
- **FX risks.** Exchange rates may change between the time you scan a QR Code and the time you confirm the payment. A final rate check is performed at confirmation (see Section 6). Refunds are converted at the QR payment exchange rate in effect at the time the refund is credited to your account, which will likely differ from the rate applied to the original payment. You bear the FX risk on refunds (see Section 10).
- **Irrevocability.**Once confirmed, a QR payment cannot be canceled or reversed by you.
- **Merchant dispute risks.**Grabr cannot force refunds or reverse payments on your behalf. Disputes over goods or services are between you and the merchant.
Grabr provides the Service **"as is"** and **"as available,"** without warranties of any kind.
## **16. Prohibited Uses**
You agree not to use the Service for any activity that is illegal, violates sanctions, or is otherwise prohibited. The prohibited business sectors listed in the Terms for In-App Top-Ups and Withdrawals to Local Currency apply equally to QR payments. In addition, the following QR-specific activities are prohibited:
- Using QR payments to facilitate person-to-person transfers that circumvent AML controls;
- Structuring transactions to avoid per-transaction, daily, or monthly limits; and
- Using QR payments for any purpose you know or should know to be unlawful in either the country of origin or the Supported Country.
## **17. Limitation of Liability**
To the fullest extent permitted by law:
- Grabr’s total liability for any claim arising out of a QR payment shall not exceed the total transaction amount (excluding fees);
- Grabr shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or access;
- Grabr is not responsible for failures, delays, or errors caused by DePay, Local PSPs, banks, or network issues;
- Grabr is not responsible for the quality, legality, or delivery of goods or services purchased via QR payment; and
- Grabr is not liable for delays or failures caused by events beyond its reasonable control, including system outages, natural disasters, governmental actions, or other force majeure events.
Nothing in this section limits any liability that cannot be excluded under applicable law.
## **18. Modifications**
Grabr may update these Terms from time to time. Updated versions will be posted at [help.grabrfi.com](http://help.grabrfi.com), with the "Last Updated" date revised accordingly. Material changes will be communicated via email or in-app notification at least thirty (30) days before taking effect, where required by law. Your continued use of the Service after any update constitutes acceptance of the modified terms.
## **19. Tax Responsibility**
You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Service. Grabr may provide transaction records to assist with reporting but is not obligated to do so.
## **20. Governing Law and Dispute Resolution**
These Terms are governed by the same governing law, venue, and dispute resolution procedures set forth in the GrabrFi Terms of Use.
## **21. Contact Information**
For questions about these Terms or the QR Payment Service, contact us at [support@grabrfi.com](mailto:support@grabrfi.com) or via the in-app support chat.
## **22. Miscellaneous**
**Assignment.** You may not assign or transfer these Terms without Grabr’s prior written consent. Grabr may assign these Terms in connection with a merger, acquisition, or corporate reorganization.
**Severability.** If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
**No Waiver.** A failure by Grabr to enforce any right is not a waiver of future enforcement.
**Force Majeure.** Grabr is not liable for delays or failures caused by events beyond its reasonable control, including acts of God, labor disputes, cyber incidents, network failures, or governmental actions.
**Survival.** Sections 10 through 20 survive termination of the Service.
## **23. Acknowledgment**
By using the QR Payment Service, you acknowledge that you have read, understood, and agree to:
- These GrabrFi QR Payment Terms;
- [The GrabrFi Terms of Use](https://help.grabrfi.com/en/content/terms); and
- The applicable terms of DePay and any Local PSPs.
---
Source: https://help.grabrfi.com/en/content/marketing-and-product-disclosure
# Marketing and Product Disclosure
_Category: Legal_
GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank.
Global account services are provided by Bridge Ventures LLC or one of its regulated affiliates (together, "Bridge"). The assets in your global account are not FDIC insured, are not bank deposits, and are subject to issuer and de-pegging risks that might affect its value. Its value is backed 1:1 by US dollars and short-term US Treasuries through Bridge or Circle.
The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A., Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and GrabrFi website for more details.
Bridge is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Grabr, Inc. is the Platform Provider responsible for the application, access, and management of/for the services and card.
Boost earnings are a promotional incentive funded by GrabrFi, not interest, yield or investment returns. The rate used in content reflects the current rate at the time it was sent or published. Refer to the in-app rate for the current rate, it is subject to change. It is available to all GrabrFi customers excluding the U.S. and E.U.
---
Source: https://help.grabrfi.com/en/content/pay-by-qr-on-iphone-scan-and-pay-in-one-tap
# Pay by QR on iPhone: scan and pay in one tap
Pay by QR in GrabrFi is now available as an iOS Action. You can launch the QR scanner from the GrabrFi app icon on your Home Screen, from the iPhone Action Button, or from the Shortcuts app.
QR payment initiation with Action Button
## **Before you start**
- Update the GrabrFi app to the latest version from the App Store.
- Make sure your GrabrFi account is approved, and your KYC is complete.
- Pay by QR is currently supported in Argentina, Brazil and Peru. Availability in other countries will be announced separately.
## **Option 1. Assign Pay by QR to the Action Button**
The Action Button is available on iPhone 15 Pro, iPhone 15 Pro Max, and iPhone 16 and newer.
You do not need to create or install a shortcut. The action is available natively.
1. Open the **Settings** app on your iPhone.
2. Search for **Action Button**, then swipe right to **Shortcut**.
3. Tap **Choose a Shortcut**.
4. Scroll to the **Apps** section, find and select **GrabrFi**.
5. Tap **Pay by QR**.
**Tip.**You can assign Pay by QR to a specific Focus mode, so it only triggers when you choose.
## **Option 2. Long press the GrabrFi app icon**
This is the fastest way. No setup needed.
1. Find the **GrabrFi** app on your Home Screen.
2. Press and hold the icon until a menu appears.
3. Tap **Pay by QR**.
The QR scanner opens right away.
## **Option 3. Add Pay by QR to the Shortcuts app**
Use this if you want to combine Pay by QR with other actions or pin a shortcut to your Home Screen.
The simplest path is to install our ready-made shortcut from this link: [Add Pay by QR shortcut](https://www.icloud.com/shortcuts/5f0a6cdd916a4c53a73d5343ca0aaabc).
Or build your own:
1. Open the **Shortcuts** app.
2. Tap **+** to create a new shortcut.
3. Tap **Add Action**.
4. Search for **GrabrFi** and select **Pay by QR**.
5. Tap **Done**.
Optional: open the shortcut, tap the share icon, and choose Add to Home Screen to pin it as a dedicated icon.
## **Troubleshooting**
- **I cannot find GrabrFi in the list of apps.**Update the GrabrFi app, then sign in. Open the app at least once before assigning the action.
- **The Action Button option is missing in Settings.** Your iPhone model does not include an Action Button. Use Option 2 or Option 3 instead.
- **The shortcut link will not open.**Make sure you open the link on an iPhone running a recent version of iOS, and tap Add Shortcut when prompted.
- **The scanner opens but does not recognize the QR code.**Pay by QR currently supports merchant QR codes in Argentina, Brazil and Peru. Check the country and make sure the QR code is clear and well lit.
- **The action asks me to sign in every time.**Enable Face ID for GrabrFi in Settings, Face ID and Passcode.
---
Source: https://help.grabrfi.com/en/content/lead-bank-prepaid-visa-cardholder-agreement
# Lead Bank Prepaid Visa Cardholder Agreement
_Category: Legal_
The GrabrFi Card is a Lead Bank Prepaid Visa issued by Lead Bank, a Missouri state-chartered bank. Bridge Ventures LLC is the program manager for the Card.
The current Lead Bank Prepaid Visa Cardholder Agreement, including all fee disclosures, is maintained by Bridge and is available at:
[**https://www.bridge.xyz/card-agreements/grabrfi-card**](https://www.bridge.xyz/card-agreements/grabrfi-card)
The version published at the link above is the official, most current version of the Agreement, as amended from time to time. By applying for or using the Card, you agree to the terms of the Agreement.
You can view, print, or save a copy of the Agreement from that page at any time. If you need a copy of the Agreement or help accessing it, contact us at [support@grabrfi.com](mailto:support@grabrfi.com).
---
Source: https://help.grabrfi.com/en/content/grabrfi-global-card-e-sign-consent-disclosure
# GrabrFi Global Card E-Sign Consent Disclosure
_Category: Legal_
## Statement of Electronic Disclosure
This E-Sign Consent Disclosure ("Consent") applies to the GrabrFi Global Card and to any card issued to you under the GrabrFi Global Card program, whether virtual or physical (each, a "Card"). Your Card is a Lead Bank Prepaid Visa issued by Lead Bank, a Missouri state-chartered bank ("Bank"). Bridge Ventures LLC is the Program Manager ("Bridge"), and Grabr Inc., which operates GrabrFi ("GrabrFi," "we," "us," "our"), is the Platform Provider for the Card.
This Consent is specific to your Card and the documents related to it. It is in addition to any consent you previously provided when you opened your GrabrFi account.
## Documents covered by this Consent
To review and retrieve the documents related to your Card electronically, you must first review and accept this Consent. The "Documents" include, without limitation, the Lead Bank Prepaid Visa Cardholder Agreement, the card fee disclosures, and the privacy policies, e-sign terms, terms of service, and other disclosures, agreements, notices, statements, and records provided to you by or on behalf of Lead Bank, Bridge, or GrabrFi in connection with your Card, including any amendments or updates.
With your consent, Lead Bank, Bridge, and GrabrFi can deliver the Documents to you by displaying or delivering them electronically, and may ask you to print or download and retain them for your records.
**Please read this Consent carefully and print or download a copy for your records before you agree to receive electronic records and use electronic signatures in connection with your Card.**
## Your consent
If you agree to receive the Documents electronically and to use electronic records and electronic signatures in connection with your Card, check the box to confirm your consent before you continue. By checking the box, you provide your affirmative consent to use electronic communications for your Card, you confirm that you meet the system requirements below, that you can receive, retain, and view electronic documents on your device, and that you have a current email address.
## No paper-only option
We do not offer paper-only delivery of the Documents for your Card. If you do not consent to electronic delivery, you will not be able to open or use a Card.
## Withdrawing your consent
You may withdraw your consent to electronic delivery at any time by contacting us at [support@grabrfi.com](mailto:support@grabrfi.com). If you withdraw your consent, we may close your Card and you may no longer be able to use it. The treatment of any funds and your remaining obligations are governed by the Lead Bank Prepaid Visa Cardholder Agreement.
## Updating your email address
Keep your email address current so we can deliver the Documents to you. To update it, log in to the GrabrFi app or website, go to the "More" section, select "Profile & Settings," add a new address, and confirm the change. For help, email [support@grabrfi.com](mailto:support@grabrfi.com).
## System requirements
To access and retain the Documents electronically, you must have:
- A computer or mobile device with an internet connection and a current browser version. We support personal computers and current Android and iOS devices (phone and tablet), and the current versions of Safari, Chrome, and Firefox.
- The ability to view and retain Portable Document Format (PDF) files.
- A valid email address.
- A printer, hard drive, or other storage device to print or save the Documents.
You represent that you have the hardware, software, email address, and capabilities described above. Your ability to read this Consent demonstrates that you can receive communications electronically. If these requirements change in a way that creates a material risk that you cannot access or retain the Documents, we will notify you.
## Electronic delivery is not required for every document
Your consent does not require Lead Bank, Bridge, or GrabrFi to provide all Documents electronically. Any of them may, at their option, deliver a document or communicate with you on paper, and may require that certain communications from you be delivered on paper to a specified address.
## Affirmative consent
I have read this E-Sign Consent Disclosure. I consent to the use of electronic records and electronic signatures for the delivery of the Documents, including disclosures, agreements, and other notices, in connection with my Card. I am able to view this information using my device and software, I have a valid email address, and I can send and receive emails with hyperlinks and attachments. I agree that electronic records and electronic signatures have the same force and effect as written documents and handwritten signatures in connection with my Card.
**IMPORTANT: PLEASE PRINT OR DOWNLOAD AND RETAIN THIS CONSENT.**
[GrabrFi Global Card E-Sign Consent Disclosure.pdf75.34 KB](https://helpcenter-io.s3.amazonaws.com/attachments/grabrfi/CUSjFT7SPC5smNJER7Opkbx7ituHuf9zbDhfuwqH-GrabrFi%20Global%20Card%20E-Sign%20Consent%20Disclosure.pdf)
---
Source: https://help.grabrfi.com/en/content/what-is-the-global-account-upgrade
# What is the global account upgrade?
_Category: Global account upgrade_
We are upgrading your GrabrFi account to a global account, and moving to a new bank partner, Lead Bank, through our partner Bridge, a Stripe company.
Your app, your login, and your GrabrFi account stay the same. What changes is your account number, your routing number, and your card.
## **What you get**
- Your own account and routing details. In your name, for receiving ACH and wire transfers.
- A new global card. Issued by Lead Bank on the Visa network, and available in more countries than the card it replaces.
- Faster transfers. Digital dollar transfers arrive in minutes, around the clock, including weekends and holidays.
- Earn on your balance. Activate Boost and your dollars earn 2.57% a year while they sit, with no lock-ups and no minimums.
- Higher incoming limits. Incoming ACH and wire transfers have much higher per-transfer limits than before.
## **What you should know**
Your global account is a different kind of account from your current checking account, and it is not a bank account. This means it is not FDIC insured and is not SIPC insured. It is not a bank deposit, it is not guaranteed by any bank, and it may lose value.
Your balance is backed one to one by US dollar reserves, held in high-quality, liquid assets including short-dated US Treasuries, money market funds, and cash, in segregated accounts kept separate from the issuer’s own funds. These safeguards are not insurance.
For the full explanation, see: [Is my money still insured?](https://help.grabrfi.com/en/content/is-my-money-still-insured)
## **Why we are doing this**
Changing bank partners is standard practice in our industry. Other companies, including Mercury, Revolut, and Wise, have done the same as their needs changed.
The move lets us offer faster transfers, a card that works for everyone, and features we could not offer before.
## **What happens next**
You can upgrade now. Open GrabrFi and tap "Start upgrade" to move to your global account. We recommend upgrading as soon as you can, so you do not lose access to your money when your USD account closes.
---
Source: https://help.grabrfi.com/en/content/when-will-i-be-upgraded-and-what-do-i-need-to-do
# When will I be upgraded, and what do I need to do?
_Category: Global account upgrade_
## **What you need to do right now**
You can upgrade now. Open GrabrFi and tap "Start upgrade" to move to your global account. We recommend upgrading as soon as you can, so you do not lose access to your money when your USD account closes.
## **What the upgrade involves**
It takes a few minutes.
1. Confirm your information. We check that your details are up to date. In some cases you may be asked a few standard financial questions, which are required by US regulations.
2. Review and accept the terms. These cover your new global account and the transfer of your balance.
3. Get your new details and card. You receive your new account and routing details, and you can open your new global card straight away.
4. Your balance transfers automatically. You do not need to move it yourself.
## **How long your balance takes to arrive**
Your balance usually appears in your global account within minutes. If it takes longer, it should arrive by the next business day.
## **Dates that apply to everyone**
**September 24, 2026**. Try to upgrade before this date. If you have not, your current checking account is frozen: you will not be able to add money, spend, or send money out, and your current card stops working. You can still upgrade in the app after this date, and your balance transfers when you do.
**October 1, 2026**. Your current checking account closes. If you have not upgraded by then, we send your remaining balance as a paper check to the address we have on file, so keep it up to date in Profile and Settings.
## **Will this change how I get paid?**
Your account number and routing number change, so anyone who pays you needs your new details. Everything about how you get paid works the same way once they have them.
This is the one thing worth doing early rather than late. See: [Your new account and routing details.](https://help.grabrfi.com/en/content/your-new-account-and-routing-details)
## **If you do not act**
If you have not upgraded or withdrawn your money by September 24, 2026, your account is frozen on that date. You can still upgrade in the app until October 1, 2026.
If money is still in your checking account when it closes, we return it to you by paper check, mailed to the address we have on file. Keep your mailing address up to date in Profile and Settings.
See: [What if I do not want to upgrade?](https://help.grabrfi.com/en/content/what-if-i-do-not-want-to-upgrade)
---
Source: https://help.grabrfi.com/en/content/your-new-account-and-routing-details
# Your new account and routing details
_Category: Global account upgrade_
When you upgrade, you get new account details and a new card.
Share your new account number and routing number with anyone who pays you, and update them before September 24, 2026. On that date your current account is frozen, so payments sent to your old details will no longer arrive. Your new card also replaces your current one, and your old card stops working on the same date.
Your current account closes for good on October 1, 2026.
## **Update your account details everywhere you get paid**
Before your current account closes, give your new details to anyone who sends you money:
- Your employer or payroll provider.
- Platforms that pay you, such as Upwork, Deel, or marketplaces.
- Clients who pay you by ACH or wire.
- Any other service where you saved your GrabrFi account details.
If a payment is sent to your old account details after September 24, it will be returned to the sender. Your money is not lost, but it is delayed, and you will need to ask the sender to send it again.
## **Payments that come out of your account**
Anything that charges your card or your account automatically will stop working. This includes subscriptions, monthly bills, and any scheduled payment you have set up.
Your current card stops working on September 24, 2026, so move these to your new card or another payment method before then.
Some examples:
- Streaming and music services
- Phone and internet bills
- Insurance
- Cloud storage and app subscriptions
- Gym or club memberships
- Anything you signed up for once and have not thought about since
## **If you receive stablecoins**
You may have saved two kinds of receive address:
- Addresses that deposit into your checking account. These stop working when your checking account closes. Stablecoins sent to them will fail.
- Addresses that deposit into your stablecoin balance. These keep working, and become part of your global account.
If you are not sure which one someone is using to pay you, check in the app before your account closes.
Update the checking account addresses everywhere you have them saved: exchanges, wallets, employers, or anyone who pays you in stablecoins on a regular basis. You will find your current addresses in your global account in the app.
## **Where to find your new account details**
Open the app, go to your global account, then Account details. You will find your routing number and account number there.
You can also download a proof of account from the same screen if a platform or employer asks for confirmation of your account.
## **Direct deposit**
If your salary arrives by direct deposit, update your details with your employer as early as you can. Payroll systems often need a full pay cycle to process a change, so leaving it until the last week can mean delaying a payment.
---
Source: https://help.grabrfi.com/en/content/what-if-i-do-not-want-to-upgrade
# What if I do not want to upgrade?
_Category: Global account upgrade_
You do not have to upgrade. You can withdraw your money and stop using GrabrFi instead.
What is not possible is keeping your current checking account. Regent Bank is ending the checking account program, so the account closes on October 1, 2026 either way.
## **How to withdraw your money**
Withdraw your balance to an external account before September 24, 2026. To do this, do not accept the upgrade terms, and follow the withdrawal steps in the app. If you need help, contact [support@grabrfi.com](mailto:support@grabrfi.com)
## **If you do nothing**
If you have not upgraded or withdrawn by September 24, 2026, your account is frozen on that date. You can still upgrade in the app until October 1, 2026.
If money is still in your checking account when it closes, we return it to you by check, mailed to the address we have on file:
- If your remaining balance is $20.00 or more, a $20.00 account closure fee applies and we send you the rest.
- If your remaining balance is less than $20.00, the whole balance is applied as the closure fee and nothing is returned.
Because the check is posted, make sure your mailing address is correct in Profile and Settings before your account closes.
### **Can I come back later?**
Yes. You can open a global account at any time in the app.
---
Source: https://help.grabrfi.com/en/content/is-my-money-still-insured
# Is my money still insured?
_Category: Global account upgrade_
How your money is protected changes with the upgrade. Here is what stays the same and what is different.
### **Your current checking account**
Your checking account is provided by Regent Bank, Member FDIC. Your balance stays eligible for pass-through FDIC insurance until you move it, withdraw it, or the account closes. FDIC insurance only covers the failure of insured depository institutions. Certain conditions must be satisfied for pass-through FDIC deposit insurance to apply.
### **Your global account**
Your global account is not FDIC and SIPC insured. Assets are not bank deposits and may lose its value. Your balance is held as digital dollars. For customers outside of the European Economic Area, it is backed 1:1 by cash and short-duration US Treasuries through [Bridge](https://apidocs.bridge.xyz/platform/issuance/faq), a Stripe company. For customers in the European Economic Area, it is backed by [Circle](https://www.circle.com/transparency), the issuer of USDC. GrabrFi does not hold or touch your balance.
These safeguards are not insurance. They reduce certain risks, they do not remove them.
#### ***In short***
Your current checking account is FDIC insured. Your global account is not, and it is protected in a different way: by reserves held one to one and kept separate, rather than by government insurance. Both are real forms of protection, and they work differently.
---
Source: https://help.grabrfi.com/en/content/what-is-changing-with-your-account-features
# What is changing with your account features
_Category: Global account upgrade_
Most of what you use today works the same way after the upgrade. A few things change, and a few are coming later.
# **Better after the upgrade**
- Faster transfers. Digital dollar transfers arrive in minutes, around the clock, including weekends and holidays.
- Earn on your balance. You can activate Boost and earn 2.57% a year on your balance, with no lock-ups and no minimums.
- A card for more countries. The global card is available in more countries than the card it replaces.
- Higher incoming limits. Incoming ACH and wire transfers have higher per-transfer limits.
## **Changing**
- Card spending limit. Your daily card spending limit is $2,000.
- Card network. Your new card is a Visa, issued by Lead Bank, instead of a Mastercard.
- ATM withdrawals. Cash withdrawals at ATMs are not available with the global card.
## **Coming later**
- Physical card. A physical global card is coming. We are improving how it is delivered, and we will share the details when it is available.
- Apple Pay and Google Pay. You will be able to pay with your phone in most countries, though not in Bolivia or Nigeria.
- International (SWIFT) transfers. Not available at launch. We will let you know when they return.
- Transfer to Anyone. Sending money by a shareable link to someone who does not have GrabrFi yet is paused during the upgrade. We will turn it back on afterwards.
## **Unchanged**
- Your app and login. Same app, same login, same GrabrFi account.
- Local currency withdrawals and top-ups. Same countries, same limits.
- QR payments. Pay by QR code in the countries where it is available, the same as today.
- Receiving ACH and wire transfers. Same as today, with your new account details.
- Sending and receiving transfers between GrabrFi users.
- Monthly statements and proof of account. You will be able to download them from your global account screen.
---
Source: https://help.grabrfi.com/en/content/grabrfi-global-account-balance-transfer-and-account-upgrade-consent-terms
# GrabrFi Global Account Balance Transfer and Account Upgrade Consent Terms
Version 1.0. Effective August 26, 2026.
### Section 1. Overview
**What is changing.** On October 1, 2026, GrabrFi is fully moving to Lead Bank through our partner Bridge and your USD account held at Regent Bank will be closed. Since you will no longer have access to your USD account, you will need to choose how to move any balance in your USD account.
**Your two options.**
1. **Move your money to a GrabrFi Global Account.**You can choose to have Grabr, Inc. (hereinafter, “Grabr”, “we,” or “us”) move your balance to a GrabrFi Global Account held through Bridge Building Inc. or Bridge Building S.A., Luxembourg (collectively, “Bridge”). There is no fee to move your money to a Global Account. A GrabrFi Global Account is a different kind of account than your USD account. The most important difference is that your balance will be held in US dollar stablecoins and not at a bank. It is not a bank account or brokerage account and it is not insured by the Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC). Please read Section 6 about changes in deposit insurance coverage and Section 7 about the risks with the Global Account carefully.
2. **Withdraw your money and stop using GrabrFi banking services.**You can withdraw your balance to an external bank account and close your GrabrFi USD Account without moving to a Global Account. There is no fee to move your money to an external bank account; but, normal wire and ACH fees may apply. If you prefer this option, do not tap “Start upgrade.” See Section 8 for how to withdraw money from your USD Account.****
**This is a required change.**Keeping your USD Account is not an option after October 1, 2026. If you do nothing, Grabr will close your USD Account and mail a paper check to you in the amount of your balance less an account closing fee.
**What is a GrabrFi Global Account.**
- **A balance held as a US dollar stablecoin.**Your Global Account balance will be represented by USDB, a US dollar stablecoin issued by Bridge Building Inc., a subsidiary of Stripe. If you are in the European Economic Area (“EEA”), your balance will instead be represented by USDC, a US dollar stablecoin issued by Circle. Each unit of stablecoin is designed to hold the value of one US dollar and is redeemable for one US dollar, subject to the applicable issuer terms.
- **Backed 1:1 by reserves.**The stablecoin is backed one-to-one by US dollar reserves held in high-quality, liquid assets, including short-dated US Treasuries and cash, in accounts separate from the issuer's own operating funds.
- **Send and receive dollars globally.**You can send and receive stablecoin transfers around the clock, including on weekends, and receive ACH and wire transfers using US account details provided through Lead Bank (member FDIC).
- **A new Visa card.**Once approved, you will receive a new GrabrFi debit card issued by Lead Bank (member FDIC), usable wherever Visa is accepted. While Lead Bank (member FDIC) will provide your new GrabrFi debit card, funds are not held in an FDIC-insured account at Lead Bank (member FDIC).
- **Same app, no GrabrFi fee to move.**Your USD account balance will move within the GrabrFi app, and there is no GrabrFi fee for this one-time transfer. See Section 3 for more details.
**GrabrFi Global Account is neither a bank account nor brokerage account and it is not insured by the Federal Deposit Insurance Corporation (“FDIC”) or Securities Investor Protection Corporation (“SIPC”).**The benefits of a GrabrFi Global Account do not change the insurance status of your funds and the risks. Your GrabrFi global account does not have the same protections as a bank account or brokerage account. Section 6 explains the change in insurance status, and Section 7 explains the risks. Please read both before you decide which option to select.
**Legal effect.**The GrabrFi Global Account Balance Transfer and Account Transition Consent Terms (“Terms”) are an agreement between you and Grabr. They are supplement to your existing GrabrFi USD Account Agreement (including that Agreement’s dispute resolution provisions), and where they conflict on this one-time transfer and account transition, the Terms control. Your ongoing use of a GrabrFi Global Account is governed by the Bridge User Terms and Stablecoin Terms and by the [GrabrFi Terms of Use](https://help.grabrfi.com/en/content/terms). The Terms are effective upon posting to the GrabrFi website and sending notice to you.
### Section 2. Authorization to Move Funds to Global Account
By tapping “Start upgrade,” you authorize Grabr and its service providers to do all of the following as part of this one-time account transition:
1. **Debit your USD account.**Initiate an ACH debit from your GrabrFi USD Account for the full available balance, or for the amount shown on the confirmation screen, consistent with the terms of the [Consumer ACH Authorization and Agreement](https://help.grabrfi.com/en/content/consumer-ach-authorization-and-agreement), which are incorporated herein by reference.
2. **Open a Global Account.** Generate a Global Account application on your behalf, if you do not yet have an active GrabrFi Global Account.
3. **Credit your Global Account.**Credit the corresponding amount to a GrabrFi Global Account, including crediting you in advance from a prefunded account as described in Section 4.
4. **Recover funds if the transfer fails.**Debit your GrabrFi Global Account or otherwise recover funds if the underlying transfer is later returned or reversed, as described in Section 5.
5. **Exchange information.**Share the information needed to complete these steps among Grabr, Regent Bank (member FDIC), Bridge, Lead Bank (member FDIC), and their service providers, consistent with the applicable privacy policies.
This authorization is specific to this account transition. It does not authorize recurring or future debits from your USD account beyond what is needed to complete and, if necessary, correct this transfer. You will not be able to cancel the transfer once it has started, as funds may be made available to you before settlement (see Sections 4 and 5).
### Section 3. GrabrFi Global Account Opening
**Plain language.**If you already have an open and active GrabrFi Global Account, your transferred balance will typically be available as soon as you accept these Terms. If you do not yet have an active GrabrFi Global Account, your balance transfer may be delayed while we verify your identity information and your account application is reviewed. Once your identity information is verified and your account is approved, your transfer will start and your funds will typically be available right away. See Section 4 for more information on the timing of the balance transfer.
**Details.**Opening and activating a GrabrFi Global Account is subject to identity verification and approval by Bridge and its service providers. Until your Global Account is open and active, we cannot credit it. If identity verification is not completed, or if your account application is not approved, the transfer will not occur and your GrabrFi USD Account will remain open and unchanged until closure, subject to Section 8. We will tell you if verification fails, your account application is not approved, or if more information is needed.
### Section 4. Transfer of Funds to GrabrFi Global Account
**Plain language.**In most cases your money will show up in your GrabrFi Global Account right away. Behind the scenes, the transfer from your GrabrFi USD Account will take a little longer to complete.
**How it works.**We use a prefunded GrabrFi Global Account. When your transfer starts, we will initiate an ACH debit from your GrabrFi USD Account. Once that debit is initiated, we will credit your GrabrFi Global Account instantly from the prefunded account, so you can use your funds without waiting for the ACH to settle. The ACH debit from your USD account will then settle in the background, typically within a few banking days.
**What this means for you.**Because you are credited before the ACH settles, the credit is provisional until the ACH from your USD account settles. If that ACH is later returned or reversed, we may recover the funds as described in Section 5.
**Timing is not guaranteed.**Funds availability depends on your identity verification status, your USD account status, banking hours, and network conditions. We do not control the ACH network and cannot guarantee an exact time.
### Section 5. Instant Credit Clawback and ACH Return Rights
**Plain language.**Because we provisionally credit you before the transfer from your GrabrFi USD Account to your GrabrFi Global Account settles, if that transfer later fails or is reversed, we can take back the matching amount. If your GrabrFi Global Account balance is too low, you still owe us the difference.
**Authorization to recover.**We may make funds available in your GrabrFi Global Account before the underlying transfer from your GrabrFi USD Account has settled. If that transfer is later returned, reversed, or fails for any reason, you authorize us to debit your GrabrFi Global Account or otherwise recover the corresponding amount. If your Global Account balance is insufficient, you remain responsible for the shortfall, and you authorize us to recover it, including by debiting other funds you hold with us or by other lawful means. If a debit is returned for insufficient or uncollected funds, we may reinitiate the debit up to two additional times within 180 days of the original debit.
**No waiver.**Our decision to make funds available early, or to delay a recovery, does not waive our right to recover later.
### Section 6. Change in Deposit Insurance Status
IMPORTANT. YOUR DEPOSIT INSURANCE IS CHANGING.
**Your GrabrFi Global Account is NOT FDIC-insured and is NOT SIPC-insured. It is not a bank deposit, a bank account, or a brokerage account. It is not guaranteed by any bank. You could lose money.**
**Before and after.**
- **Before (your GrabrFi USD Account).**Your GrabrFi USD Account is provided by Regent Bank (member FDIC). Your balance is held in an account eligible for pass-through FDIC insurance, up to the standard maximum deposit insurance amount of $250,000 per depositor, per ownership category. Pass-through insurance applies only if certain conditions are met, including proper account records and the funds actually being held at an insured bank. FDIC insurance covers the failure of insured banks. It does not cover other losses.
- **After (your GrabrFi Global Account).**Your GrabrFi Global Account is different. Funds in your GrabrFi Global Account are not FDIC-insured, are not SIPC-insured, are not a bank deposit, and are not guaranteed by any bank. Your balance is represented by a US dollar stablecoin, USDB issued by Bridge Building Inc. or USDC issued by Circle, if you are in the EEA, held through Bridge. You are a creditor of the issuer, not a depositor of a bank. If the issuer fails or becomes insolvent, you may lose some or all of your Global Account balance, and you may have to wait to recover any funds.
**Regulatory treatment.**The GrabrFi Global Account is not insured by the FDIC or SIPC. It is not a bank account or brokerage account. It may lose value.
**What this changes.**Moving your balance from your GrabrFi USD Account to a GrabrFi Global Account converts an insured deposit into an uninsured obligation. FDIC pass-through insurance applies to the USD account side only. It does not apply to the GrabrFi Global Account.
### Section 7. How GrabrFi Global Account Funds Are Held, Safeguards, and Risk Disclosures
**How GrabrFi Global Account funds are held.**Global Account funds are held through Bridge as a US dollar stablecoin. The issuer of your stablecoin depends on where you live.
**If you are outside the EEA.**Your balance is represented by USDB, issued and held by Bridge Building Inc., a Delaware corporation and licensed money transmitter (NMLS #2450917). USDB is backed one-to-one by US dollar reserves held in short-dated US Treasuries, money market funds, and cash, in segregated, bankruptcy-remote accounts at regulated financial institutions. Segregation is designed to keep reserve assets separate from Bridge's operating funds, including in an insolvency. USDB is redeemable for one US dollar, subject to the Bridge Stablecoin Terms (bridge.xyz/legal). USDB does not convey any property interest in the reserve assets.
**If you are in the EEA.**Your balance is represented by USDC, an electronic money token authorised under the EU Markets in Crypto-Assets Regulation (MiCA) and issued by Circle. You have a legal right to redeem USDC at par value, one US dollar per USDC, under MiCA and Circle's redemption policy. Your USDC is held through Bridge Building S.A., Luxembourg, which is authorised in the EU as a crypto-asset service provider under MiCA and as an electronic money institution. Under MiCA, your assets are segregated from Bridge's own assets and are protected in the event of Bridge's insolvency. USDC does not convey any property interest in Circle's reserve assets.
**These safeguards are not insurance.**Reserve backing, segregation, and redeemability reduce certain risks. They do not eliminate them, and they are not FDIC or SIPC insurance. By accepting these Terms, you acknowledge to the following risks:
1. **Value and de-peg risk.**Your balance is represented by your stablecoin, which is intended to track the value of the US dollar. It may not always do so. The value can move away from one US dollar, temporarily or permanently. You could receive less than the amount you transferred.
1. **Irreversibility of blockchain transfers.**Transfers of your stablecoin on a blockchain cannot be reversed once broadcast. If funds are sent to the wrong address, used an incompatible stablecoin, or used the wrong network, they may be lost permanently. This is different from a bank transfer, which can sometimes be recalled or disputed.
2. **Custody and access risk.**Your stablecoin is held by Bridge or its sub-custodians and may be held in omnibus accounts. You do not hold the private keys. Access to your funds depends on the issuer and its providers remaining operational and solvent.
3. **Availability risk.**Access to the GrabrFi Global Account and to related services may be interrupted, delayed, or limited by network conditions, maintenance, legal requirements, or actions of providers.
These risks are in addition to the change in insurance status described in Section 6.
### Section 8. GrabrFi USD Account Closure
**Plain language.**Your GrabrFi USD Account will close and your GrabrFi Mastercard Debit Card will stop working on October 1, 2026. Move your balance to a GrabrFi Global Account or withdraw your balance to an external bank account before then to avoid any disruption in accessing your money. If you move your balance to a GrabrFi Global Account, a new Visa Debit Card issued by Lead Bank (member FDIC) will be issued to you.
**Act before September 24, 2026.**You have until September 24, 2026 to choose to move your money to a GrabrFi Global Account or withdraw your USD Account balance to an external bank account. On September 24, 2026, we will freeze your GrabrFi USD Account. While it is frozen, you cannot add money, spend, or send money out, and your GrabrFi Mastercard Debit Card will not work. You can still move your balance to a GrabrFi Global Account in the GrabrFi app until October 1, 2026, but you will need to contact [support@grabrfi.com](mailto:support@grabrfi.com) to withdraw your balance to an external bank account once the account is frozen. There is no fee to move your balance to a GrabrFi Global Account or withdraw it to an external bank account.
**Closure.**Your GrabrFi USD Account, and your GrabrFi Mastercard Debit Card issued by Regent Bank (member FDIC), will be closed on October 1, 2026. After closure, the USD account cannot receive or send money, and its account and routing numbers and your GrabrFi Mastercard Debit Card will stop working.
**Your card is changing.**If you move your USD account balance to a GrabrFi Global Account, a new Visa Debit Card issued by Lead Bank (member FDIC) will be issued for your GrabrFi Global Account once you are approved. Your new card is a separate card with a new number. Activate your new card when it arrives. Your new card can be used wherever Visa is accepted.
**If you choose to withdraw instead of moving.**You may withdraw your USD Account balance to an external bank account and close your USD account without opening a GrabrFi Global Account. Allow a reasonable processing period. Withdrawal from your USD account is governed by applicable terms of your GrabrFi USD Account Agreement. To choose this option, do not tap “Start upgrade,” and follow the withdrawal steps in the app or contact [support@grabrfi.com](mailto:support@grabrfi.com).
Fees may apply on if you do not withdraw the entire balance before account closure; see "Fees if your account is closed with a balance left in it" below.
**If you take no action.**If you still have a balance in your GrabrFi USD Account when it closes on October 1, 2026, we will return the balance to you as described in "Fees if your account is closed with a balance left in it" below. If your remaining balance is $20.00 or more, Regent Bank will mail a paper check to the last mailing address we have on file at the time the check is prepared. Keep your mailing address current in Profile and Settings, or by contacting [support@grabrfi.com](mailto:support@grabrfi.com). GrabrFi is not responsible for a check sent to an address that is no longer current.
**Fees if your account is closed with a balance left in it.**If your GrabrFi USD Account still has a balance on October 1, 2026, we will apply a single account closing fee of up to $20.00 to the balance immediately before closing your account. Act by October 1, 2026 to avoid the account closing fee.
*Legal clause.*The account closing fee is set out in the Fee Schedule in your GrabrFi USD Account Agreement. The fee equals the lesser of $20.00 and the remaining balance at closure, and is deducted before any balance is returned.
*If you open a Global Account later.*If your GrabrFi USD Account is closed with a balance under $20.00, that balance will be applied as your account closing fee. If you open a GrabrFi Global Account after closure of your USD account, we may credit the amount of that fee to your new GrabrFi Global Account. This is a one-time courtesy credit, it is not required, and it does not change the fee that applied at closure of your GrabrFi USD Account.
**Funds that arrive after closure.**After your GrabrFi USD Account is closed, funds sent to this account will generally be returned to the sender. Where possible, we will instead move such funds to your GrabrFi Global Account. Direct deposits received in a name that does not match the account holder will be returned to the originator.
**Disputes and refunds after your USD account closes.**Your right to dispute a transaction or receive a refund does not end when your GrabrFi USD Account closes. Note that a dispute on a transaction that occurred shortly before account closure may not be fully resolved until several months after the account closes. If a dispute is resolved in your favor, or if a merchant sends a refund to your USD account after closure, Regent Bank (member FDIC), coordinated through Synctera, will issue a paper check for the applicable amount. The paper check will be mailed to the last mailing address we have on file at the time the check is prepared. Keep your mailing address current in Profile and Settings, or by contacting [support@grabrfi.com](mailto:support@grabrfi.com). GrabrFi is not responsible for a check sent to an address that is no longer current.
### Section 9. E-SIGN Electronic Consent
You have already accepted the GrabrFi E-Sign Consent Disclosure, which is your consent to receive account documents electronically and to use electronic signatures. These Terms and the related disclosures are delivered to you under that existing consent.
1. **Electronic delivery.**These Terms and related notices are provided electronically in the GrabrFi app or by email, as described in your E-Sign Consent Disclosure.
2. **No paper delivery.**Consistent with your E-Sign Consent Disclosure, GrabrFi does not offer non-electronic delivery of statements and documents. If you withdraw your consent to electronic delivery, your accounts will be closed and your balance returned to you.
3. **Withdrawing consent.**You may withdraw your consent to electronic delivery as described in your E-Sign Consent Disclosure, by contacting [support@grabrfi.com](mailto:support@grabrfi.com). Withdrawal does not affect the validity of documents provided electronically before the withdrawal takes effect. Because this account transition is completed electronically, withdrawing consent before you complete it may prevent you from proceeding with the transfer.
4. **Keep your contact details current.**Keep your email address up to date in Profile and Settings, or by contacting [support@grabrfi.com](mailto:support@grabrfi.com).
5. **Hardware and software.**The requirements are those in your E-Sign Consent Disclosure: a device with internet access, a current supported browser (Safari, Chrome, or Firefox) or a current iOS or Android version, an email account, the ability to view and retain PDF files, and a printer or storage device.
6. **Affirmative acceptance.**By tapping “Start upgrade," you affirmatively accept that you have read these Terms, that you understand them, and that you authorize the actions in Section 2. This is an affirmative action and is not bundled into acceptance of unrelated terms.
**Record of your consent.**We keep an immutable record of your acceptance, including who consented (your account identifier), when you consented (date and time), the version of these Terms you accepted (Version 1.0), and the affirmative actions you took. We retain these consent records and prior versions of the Terms so the record of what you agreed to, and when, can be reproduced.
### Section 10. Governance
These Terms are supplement to your existing GrabrFi USD Account Agreement. They are governed by the laws of the State of California, except as governed by federal law. Any dispute arising out of or relating to these Terms or this account transition is subject to the binding individual arbitration provision and the class-action waiver in your GrabrFi USD Account Agreement, which survive closure of your account. Your ongoing use of the GrabrFi Global Account is separately governed by the Bridge User Terms and Stablecoin Terms applicable to your region.
---
Source: https://help.grabrfi.com/en/content/global-account-giveaway-terms-and-conditions
# Global Account Giveaway Terms and Conditions
_Category: General_
**1.****Promotion Period**
The Global account giveaway (the “Giveaway”) opens on 22/09/2026 and closes on September 30, 2026 at 11:59 PM (UTC). The winner will be drawn on October 1, 2026. GrabrFi reserves the right to end this Giveaway at any time before the scheduled end date.
Entries are retroactive: eligible customers who completed their global account upgrade before October 1st are automatically entered, no additional action is required.
**2.****Eligibility**
To be entered in the Giveaway, you must:
- Be a GrabrFi customer with a verified account in good standing.
- Complete the upgrade of your GrabrFi account to the Global Account, including the transfer of your balance, on or before September 30, 2026 at 11:59 PM (UTC time). Customers who already completed their upgrade are automatically entered.
- Be 18 years of age or older.
- Be a resident of any of the 27 markets GrabrFi has operations in. This Giveaway is void where prohibited by law.
- Agree to these Terms and Conditions.
*Employees of Grabr, Inc. and their immediate family members are not eligible. One entry per customer, regardless of the number of accounts or balances held.*
**3.****Prize**
- Three (3) AirPods Pro 3, approximate retail value $399 USD.
- The prize is not transferable and cannot be exchanged for cash, except where a cash equivalent is required by applicable law.
- Where direct delivery of the device is not possible in the winner's country, GrabrFi may fulfill the prize through an authorized local retailer or an equivalent alternative of the same value.
- Apple Inc. is not a sponsor of, and is not affiliated with, this Giveaway in any way.
**4.****How to Enter**
Entry is automatic and free. No purchase is necessary and no payment is required to enter or win:
- Open the GrabrFi app and complete the upgrade to your Global Account, moving your balance. The upgrade is free.
- Once your upgrade is complete, your entry is confirmed, you will see it in your confirmation screen.
- Customers who completed their upgrade before the Giveaway opened are automatically entered and will be counted in the draw.
**5.****Winner Selection and Notification**
- The winners will be selected by random draw on October 1, 2026 from all eligible entries.
- The winner will be notified through the email address registered to their GrabrFi account within 5 business days of the draw.
- If the winner does not respond within 3 business days of notification, GrabrFi reserves the right to draw an alternate winner.
- By accepting the prize, the winner consents to the publication of their first name and country in GrabrFi communications announcing the result.
**6.****Limitations**
- This Giveaway is limited to one entry per customer.
- This Giveaway does not affect, replace or combine with any other GrabrFi promotion; customers may receive other migration benefits independently of the Giveaway.
- GrabrFi reserves the right to disqualify any participant found to be abusing the Giveaway rules, including but not limited to creating duplicate accounts.
- GrabrFi reserves the right to modify or terminate this Giveaway at any time. If the Giveaway ends early, entries already confirmed remain valid for the draw.
**7.****Important Disclosures**
GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank.
Services are provided by Bridge Ventures LLC or one of its regulated affiliates (together, “Bridge”). The assets in your global account are not FDIC insured, are not bank deposits, and are subject to issuer and de-pegging risks that might affect its value. Its value is backed 1:1 by US dollars and short-term US Treasuries through Bridge or Circle.
The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A., Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and GrabrFi website for more details.
Bridge is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Grabr, Inc. is the Platform Provider responsible for the application, access, and management of/for the services and card.
The iPhone 17 Giveaway is a promotional incentive funded by GrabrFi. It is not interest, yield or investment returns, and it is independent of the assets held in your Global Account.
---
Source: https://help.grabrfi.com/en/content/card-fee-cashback-terms-and-conditions
# Card Fee Cashback Terms and Conditions
_Category: General_
**1.****The Offer**
Selected GrabrFi customers who complete the upgrade to their global account can get back the card purchase fees they pay during October 2026, up to $50 USD in total on non-US purchases, credited directly to their global account.
This is a targeted promotion: it is available only to customers who received this offer directly from GrabrFi (by email, push or in-app message). It is not transferable.
**2.****Eligibility**
To receive the cashback, you must:
- Have received this offer directly from GrabrFi.
- Be a GrabrFi customer with a verified account in good standing.
- Complete the upgrade of your GrabrFi account to the global account, on or before September 30, 2026 at 11:59 PM (UTC).
- Be 18 years of age or older.
- Be a resident of the eligible markets. This offer is void where prohibited by law.
*Employees of Grabr, Inc. and their immediate family members are not eligible. One cashback per customer, regardless of the number of cards or accounts held.*
**3.****How It Works**
- Card purchase fees for non-US transactions are charged normally at the time of each purchase, nothing changes when you pay.
- The benefit window runs from October 1 to October 31, 2026 (inclusive), and covers non-US card purchases, settled within that window.
- At the end of the window, GrabrFi adds up the card purchase fees of non-US transactions you actually paid on eligible purchases during October.
- The total, up to a maximum of $50 USD, is credited to your global account on or before November 30, 2026. The credit is made in dollars.
- Purchases that are refunded, reversed or disputed are excluded from the calculation, along with their fees.
- Purchases processed by merchants in the US do not generate cashback.
**4.****Limitations**
- The cashback is capped at $50 USD per customer, in total, for the whole window.
- The cashback has no cash value beyond the credit to your global account and cannot be transferred or exchanged.
- This offer is independent of any other GrabrFi promotion, including the global account Giveaway, receiving one does not affect the other.
- GrabrFi reserves the right to disqualify any customer found to be abusing this offer, including but not limited to creating duplicate accounts or artificial transactions.
- GrabrFi reserves the right to modify or terminate this offer at any time. Cashback already earned on eligible purchases will be honored.
**5.****Important Disclosures**
GrabrFi is a product of Grabr, Inc. Grabr, Inc. is a financial technology company, not a bank.
Services are provided by Bridge Ventures LLC or one of its regulated affiliates (together, “Bridge”). The assets in your global account are not FDIC insured, are not bank deposits, and are subject to issuer and de-pegging risks that might affect its value. Its value is backed 1:1 by US dollars and short-term US Treasuries through Bridge or Circle.
The Prepaid Debit Visa Card (the “Card”) is issued by Lead Bank pursuant to licensing by Visa U.S.A., Inc. and may be used everywhere Visa is accepted. Must be 18 or older to apply. Fees may apply. See Cardholder Agreement and GrabrFi website for more details.
Bridge is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank. Grabr, Inc. is the Platform Provider responsible for the application, access, and management of/for the services and card.
The Card Fee Cashback is a promotional incentive funded by GrabrFi. It is not interest, yield or investment returns, and it is independent of the assets held in your global account.