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Credit/Debit Card Deposit

The Card must be in your name, third party cards will not be accepted.

Follow the step by step below:

  • Open your Passfolio App, click on transfer and then click on deposit;
  • Select your Stock account*;
  • Select the credit/debit card option;
  • Fill out the fields with your card information as it appears on the screen and click continue;
  • Send a front and back photo of the card showing only the last 4 digits and your full name (make sure to cover the CCV) and click continue;
  • Wait up to 2 business days for approval.

We will send you an email when finished!

Once your credit/debit card is approved, please follow the instructions:

  • Open your Passfolio App, click on transfer and then click on deposit;
  • Select your Stock account*;
  • Select the credit/debit card option;
  • Insert the dollar amount
  • Review the information and click on “Deposit”

*Brazilians are able to deposit to their crypto account as well.


  • Deposits in USD (international Cards): 5%
  • Deposits in NGN (Nigeria): 2% + 1.4% (max ₦ 2,000)
  • Deposits in BRL (Brazil): 5% + IOF

Credit/debit card deposits may create additional interest, fees and risk.


Your first deposit must be at least US$100. After the first deposit, there is no minimum amount required.


  • Monthly limit: US$ 10,000
  • Weekly limit: US$ 2,000
  • Daily limit: US$ 1,000

You can link up to 5 credit/debit cards per account.

Time to reach your account

  • Deposits in USD, typically 30 min if done between 3am and 10:30am PST
  • Deposits in NGN (Nigeria), typically 30 min if done between 3am and 10:30am PST
  • Deposits in BRL (Brazil), typically 30 min if done between 9am and 2:30pm BRT

If the deposit is made after the cut off time, the money will be credited in the morning of the following business day.

Holding Period

When you fund your account by credit/debit card, there is a holding period of 91 days before you can withdraw the funds or transfer them between your stock and cryptocurrency wallets. You can use the money for stock trading as you please, but you will not be able to move the amount out of your stock account for 91 days.

Credit/debit cards that are accepted

  • Visa
  • Mastercard
  • Amex
  • Elo
  • Aura
  • JCB
  • Diners
  • Discover
  • Hipercard
  • Hiper


What risks are associated with using a debit or credit/debit card to deposit to my brokerage account? Here are five things to consider before using a card to invest.

Credit/debit card interest rates and fees

The interest you pay on credit card purchases might significantly erode any return on your investment. Depending on how high your rate is, you might actually end up in the red even if your investment makes money.

The SEC provides an example: say your investment provides a 10 percent return, but you pay a 15 percent interest rate on your credit card purchases. In this scenario, you will owe more money than you made on your investment, assuming you don't pay off your credit card balance before any interest accrues. Isn't the point of investing to help build assets, not add to our debt? Credit/debit  card companies also generally charge a processing fee (often ranging from 1.5 to 3 percent) for each credit/debit  card transaction, which can also impact your investment return if you are charged with that fee.

You add more risk to your investment

All investment products carry some form of risk. When you invest with a credit card, you add credit risk to the mix. If you cannot make your credit card's minimum payments, you might have to take on more debt by racking up additional fees and charges. You also might damage your credit score, which could impact your ability to secure a loan, such as a mortgage, or lead to higher rates on your debt in the future.

Transaction Fees

Card companies generally charge a processing fee (often ranging from 1.5% to 3%) for each credit/debit card transaction. If you use a credit/debit  card to buy an investment, you generally have to pay this processing fee with each investment purchase which would have a major impact on the investment’s return.

Third-Party Payment Processors

If you make an investment using your card through a third-party wallet service or payment processor, you may have limited recovery options because these entities may be unregulated or operating unlawfully.

For more information, please refer to the SEC’s Investor Alert and FINRA’s Alert.

Holding Period

Will there be a hold placed on my deposit?

Yes, there is generally a 91-day withdrawal hold on card deposits from the date the deposit is received. This is to ensure the deposit is authorized and/or for anti-money laundering review. Other restrictions may apply if fraud or other potential anti-money laundering concerns are raised.


Are there any restrictions on withdrawals?

You cannot withdraw funds to a card - only to a supported bank account. Keep in mind that there is the 91 day holding period on the deposit.

Margin Accounts

Can I use my credit/debit card to deposit if I have a margin balance(leverage) on my account?

You cannot make a card deposit if you have leverage enabled. You will be prevented from enabling margin trading for 30 days after a card deposit.


TED Deposit

When you deposit via TED, our payments partner, Facilita Pagamentos S/A, is the party responsible for receiving and converting your money.

SEPA Deposit

Deposit information‍SEPA is available in Austria, Belgium, France, Germany, Ireland, Italy, the Netherlands, Spain.

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