Absolutely. Your financial security is our top priority, and we employ multiple layers of protection to safeguard your funds and personal information. All accounts are protected by bank-grade 256-bit SSL encryption, and we use multi-factor authentication (MFA) to prevent unauthorized access. Our platform undergoes regular security audits by independent cybersecurity firms, and we maintain compliance with international financial regulations including PCI DSS standards for payment processing.
To open an account with Capital Refunds, you'll need to complete our KYC (Know Your Customer) verification process, which typically requires three types of documents. First, a valid government-issued photo ID such as a passport, driver's license, or national ID card to verify your identity. Second, proof of address dated within the last 3 months, which can be a utility bill, bank statement, rental agreement, or government-issued document showing your current residential address.
Withdrawing your funds from Capital Refunds is simple, secure, and flexible. You can withdraw money through multiple methods including direct bank transfer (ACH/wire transfer), debit card withdrawal, or transfer to digital wallets, depending on your location and account type. Most withdrawal requests are processed within 24 hours on business days, with bank transfers typically arriving in 1-3 business days depending on your bank.
Our interest rates are competitive and vary based on the product type and deposit tenure. Regular savings accounts currently offer 3-5% annual interest, calculated daily and credited monthly. Fixed Deposit Receipts (FDR) provide higher returns ranging from 6-9% annually depending on the deposit amount and lock-in period (6 months to 5 years), with longer terms earning higher rates. Deposit Pension Schemes (DPS) offer 7-8.5% annual returns with flexible monthly deposit options starting from as low as $50.
Our loan approval process is designed for speed and efficiency. Most loan applications receive an initial decision within 24 hours of submission, with many applicants receiving approval in as little as 2-4 hours during business hours. Once approved, funds are typically disbursed to your account within 1-2 business days.
Your financial security is our highest priority, which is why we employ bank-grade encryption, multi-factor authentication, and advanced fraud detection systems to protect every transaction and safeguard your personal information.
Time is money, and we respect both by offering instant processing for most transactions, quick loan approvals, and same-day refunds whenever possible.
We believe in complete transparency, which is why all our fees, charges, interest rates, and terms are clearly displayed upfront with no surprises or hidden costs
Behind our advanced technology is a team of experienced financial professionals dedicated to your success and ready to assist you whenever you need help.
