Questions, answered plainly
The things people ask before they open an account - and the answers we would give on the phone.
Frequently asked questions
What is the minimum deposit?
You can open and fund an account from ₱15,000. You are free to add more to your balance whenever you wish as your investment grows.
How do withdrawals work?
Request a withdrawal anytime through your dashboard. Your funds are sent back to your chosen payment method within standard processing timeframes.
Is my money safe?
Your account is protected with industry-standard security and identity verification. Like all investing, your capital is at risk - values can move down as well as up. There are no guarantees of returns.
How fast can I get started?
Most members finish registration within minutes. Once your first deposit settles, you can activate your investment plan straight away.
Are there any hidden charges?
All costs are transparent and shown upfront before you commit. You will see exactly what applies to your plan - no surprises.
What is the minimum age to invest?
You must be at least 18 years old to open an account and start investing. We will verify your age and identity as part of signup.
What payment methods can I use?
We accept major debit and credit cards, bank transfers, e-wallets and selected cryptocurrencies. The full list appears when you deposit.
When can I contact support?
Our team is available Monday to Friday, 9:00 to 18:00 Philippine time, and we aim to respond to every inquiry within one business day.
Who pays tax on my investment earnings?
Tax on any gains is your responsibility and depends on Philippine law. We recommend keeping records and consulting a qualified tax adviser about your situation.
What does KYC mean and why do I need it?
KYC (Know Your Customer) is a standard identity verification. It protects your account security and is a required part of opening any investment account.
Do I need trading experience to join?
No. You get a personal financial analyst who guides you at every stage, so prior market knowledge is not needed.
Who is managing my investments - Bayan Capital?
A dedicated financial analyst supported by AI tools, working to your goals and risk tolerance. It is human decision-making powered by technology, not algorithmic trading alone.
Is Bayan Capital regulated and compliant?
Yes. Bayan Capital meets Philippine financial standards and cybersecurity rules, with account protection and verification in place. We are overseen by the SEC and BSP.
Can I add money to my account anytime?
Yes. Top up your balance whenever you wish and review your strategy with your analyst as your goals and circumstances change.
Money questions
What does it cost to open a Bayan Capital account?
Opening an account is free. There is no registration fee and no subscription, you only put in what you decide to invest.
How quickly can I withdraw my money?
Requests are processed on business days and return to the method you deposited with. Bank transfers take longer than cards or e-wallets.
Is there a minimum deposit?
Yes, the minimum deposit is ₱15,000, kept deliberately low so you can start small and add more later. The exact figure is shown before you confirm anything.
Is Bayan Capital a scam?
No, but you should still be careful, as with any investment service. Bayan Capital publishes its terms and risk disclosure in full, operates under SEC-PH and BSP-aligned standards, and never guarantees returns, anyone who tells you otherwise is not being straight with you. Markets carry genuine risk and you can lose money, so only invest what you can afford to lose.
Account and security
Why does Bayan Capital need my identity documents?
Verification is required before an account can move money. It also stops someone else opening an account in your name.
Do I need any experience to start?
No. Most members start with none. A specialist walks you through the first steps and a demo balance lets you practise.
How do I log in to my Bayan Capital account?
Use the Sign In page with the email and password you registered with. If you forget your password, use the reset link on the sign-in page, or contact support if you still cannot get in.
How do I close my account?
Withdraw your balance and let support know. There is no cancellation fee and no waiting period.
Frequently asked questions
What is the minimum deposit?
You can open and fund an account from ₱15,000. You are free to add more to your balance whenever you wish as your investment grows.
How do withdrawals work?
Request a withdrawal anytime through your dashboard. Your funds are sent back to your chosen payment method within standard processing timeframes.
Is my money safe?
Your account is protected with industry-standard security and identity verification. Like all investing, your capital is at risk - values can move down as well as up. There are no guarantees of returns.
How fast can I get started?
Most members finish registration within minutes. Once your first deposit settles, you can activate your investment plan straight away.
Are there any hidden charges?
All costs are transparent and shown upfront before you commit. You will see exactly what applies to your plan - no surprises.
What is the minimum age to invest?
You must be at least 18 years old to open an account and start investing. We will verify your age and identity as part of signup.
What payment methods can I use?
We accept major debit and credit cards, bank transfers, e-wallets and selected cryptocurrencies. The full list appears when you deposit.
When can I contact support?
Our team is available Monday to Friday, 9:00 to 18:00 Philippine time, and we aim to respond to every inquiry within one business day.
Who pays tax on my investment earnings?
Tax on any gains is your responsibility and depends on Philippine law. We recommend keeping records and consulting a qualified tax adviser about your situation.
What does KYC mean and why do I need it?
KYC (Know Your Customer) is a standard identity verification. It protects your account security and is a required part of opening any investment account.
Do I need trading experience to join?
No. You get a personal financial analyst who guides you at every stage, so prior market knowledge is not needed.
Who is managing my investments - Bayan Capital?
A dedicated financial analyst supported by AI tools, working to your goals and risk tolerance. It is human decision-making powered by technology, not algorithmic trading alone.
Is Bayan Capital regulated and compliant?
Yes. Bayan Capital meets Philippine financial standards and cybersecurity rules, with account protection and verification in place. We are overseen by the SEC and BSP.
Can I add money to my account anytime?
Yes. Top up your balance whenever you wish and review your strategy with your analyst as your goals and circumstances change.