Reference · Payments
Deposits & Withdrawals
A practical guide to moving money in and out of your Bright Vaultmere account: which payment methods are accepted, how quickly funds appear, the amounts that apply, how currency conversion works, who pays provider charges, and how refunds are handled.
The rules governing payout requests are set out in the Withdrawal Policy
Accepted payment methods for funding
Accounts are funded electronically. The routes commonly available, subject to your country of residence, are:
- Debit and credit cards issued in the account holder's own name.
- Bank transfer, including local and international transfer schemes.
- Electronic wallets and online banking gateways supported in your region.
- Digital-asset transfers, where this option is enabled for your account.
The exact list, with the currencies each route supports, is displayed in the deposit section of your account. Payments must come from an instrument held in your own name — third-party payments are not accepted and will be returned to the sender.
Crediting times
How quickly a deposit shows in your balance depends on the route you choose:
Cards and wallets
Usually credited within minutes of authorisation; occasionally up to a few hours if the provider runs an additional check.
Bank transfers
Typically one to five business days, depending on the sending bank, the corridor and any intermediary institutions.
Digital assets
Credited once the required number of network confirmations has been reached, which can range from minutes to several hours.
Non-business days
Weekends, public holidays and provider cut-off times are not counted and may push crediting to the next business day.
If a deposit has not appeared after the indicated period, keep the confirmation or transaction reference from your bank or provider and send it to support so the payment can be traced.
Minimum and maximum amounts
Every funding route has a minimum amount, below which the payment cannot be processed, and may have a maximum per transaction, per day or per month. These figures differ by method, currency and country, so the authoritative values are the ones published in the deposit section of your account at the moment you pay.
Your card issuer, bank or wallet operator may also apply its own separate limits, which can be lower than ours. Where a single payment would exceed a maximum, the amount can be sent as several smaller payments.
Currency and conversion
Each account is held in a base currency, chosen when the account is opened. If you pay in a different currency, the amount is converted into the base currency at the exchange rate applied at the time of processing, and the converted figure is what appears in your balance.
Conversion may be performed by us, by the payment provider or by your own bank, and a conversion margin may be included in the rate. Because rates move, the amount finally credited — or later returned — can differ slightly from the amount you originally sent. Digital-asset deposits are valued at the rate applied when the transfer is confirmed.
Who bears payment-provider fees
Any charge applied by us to a deposit is displayed before you confirm the payment; if none is shown, none is applied by us.
Charges raised by third parties are a separate matter and are borne by the account holder. These can include card issuer or cash-advance fees, sending, receiving and correspondent bank charges, wallet transaction fees, blockchain network fees, and currency-conversion margins applied by your own bank. Because such deductions are taken before the money reaches us, the amount credited to your balance may be lower than the amount you instructed.
Funds return to the method they came from
Money leaves the account by the same route it entered it. Card deposits are returned to the same card, bank deposits to the same bank account, wallet deposits to the same wallet, and digital-asset deposits to a wallet under your control — always in the name of the account holder.
Where several methods were used to fund the account, amounts are normally returned proportionally across those methods, starting with the most recent deposits. If the original method is closed, expired or no longer supported, an alternative route in your own name can be arranged once you have provided evidence that the original instrument is unavailable.
Refunds
A deposit that cannot be applied to your account — for example a duplicate payment, an amount received from a third party, or a transfer that fails our checks — is returned to the source of payment. Refunds follow the crediting times of the method used and are subject to the same conversion and third-party fee rules described above, so the returned amount may differ from the amount originally sent.
If you believe a payment was taken in error, contact support with the transaction reference rather than raising a dispute with your provider: a chargeback freezes the account balance and takes considerably longer to resolve than a direct refund.
Need the exact figures?
The methods, limits, timeframes and any applicable charges that apply to you are always shown in your account before a payment is confirmed. For a copy of the payment documents or an explanation of a specific transaction, contact our support team through the contact section of this website or from within your account.