Help Centre

Frequently asked questions

Quick answers about accounts, deposits, transfers, and how we keep your money safe.

Account

Select Open Account and complete registration with your name, email, and password. Verify your email address, then finish identity verification (KYC) from your dashboard. In most cases, personal accounts are approved within minutes once documents are submitted.

Tier 1 typically requires a government-issued photo ID and a selfie for liveness verification. Tier 2 adds proof of address (utility bill or bank statement dated within 90 days). Business accounts may require company registration documents and beneficial-owner information.

Personal accounts have no monthly maintenance fee and no minimum balance requirement. Business accounts may have tiered pricing depending on transaction volume — see our pricing page or contact support for details.

Your account can hold balances in fiat: EUR, GBP, USD; digital assets: BTC. Wallets are created only for active currencies on this platform — additional currencies may be enabled by an administrator over time.

Convert between supported currencies from the Swap page. Fiat balances held at partner banks may be FDIC-insured subject to applicable rules; digital assets are not FDIC-insured.

Deposits may remain pending while we verify your payment. For bank transfers, confirm you included the correct reference code shown on the Deposits page. Manual and crypto deposits are reviewed before crediting — timing depends on proof quality, KYC status, and network confirmations. Check Deposits → History for status updates, or contact support with your deposit reference.

Deposits

Available deposit methods depend on your verification tier and the options enabled for this platform. From the Deposits page you can typically use:

Cryptocurrency

Timing varies by method. Card and enabled gateway deposits typically credit within minutes once confirmed. Bank transfers usually take 1–3 business days depending on your bank and whether the reference code was included. Cryptocurrency deposits require network confirmations and may take from several minutes to an hour or more.

Personal accounts typically have no minimum deposit to open or fund an account. Business accounts may have minimum transaction sizes for certain payment rails — check Profile → Limits in your dashboard for currency-specific details.

Security

Fiat balances held in USD at partner banks are FDIC-insured up to $250,000 per depositor, subject to FDIC rules and eligibility. Cryptocurrency and other digital assets are not FDIC-insured. See our Terms of Service and account statements for full details.

Go to Profile → Security and choose TOTP (authenticator app) or email-based 2FA. For TOTP, scan the QR code with Google Authenticator, Authy, or a similar app, then enter the verification code to confirm. TOTP is recommended for the strongest protection.

Our systems analyse transaction patterns, device signals, geolocation, and account behaviour in real time. Unusual activity may trigger a temporary hold and an in-app or email alert. You can review and respond to flagged activity from your dashboard.

SOC 2 Type II is an independent audit of security, availability, and confidentiality controls over a sustained period. It helps verify that infrastructure and operational practices meet enterprise expectations. Summary reports may be available to business customers on request.

If you notice unfamiliar transactions or suspect your account was compromised, contact support immediately via the Contact page. Change your password, review active sessions under Profile → Security, and enable two-factor authentication if it is not already on. We can help secure your account and investigate suspicious activity.

Transfers

Internal transfers between Horizon World Bank accounts typically settle in seconds, 24/7 including weekends and holidays. They are free regardless of amount or currency. Both sender and recipient receive confirmation in-app and by email.

Outbound transfer limits depend on your verification tier. Daily USD limits for tiers with transfer access include:

Tier 2: $5,000.00 per day (USD)
Tier 3: $20,000.00 per day (USD)

Limits vary by currency and verification tier. For single-transaction and monthly caps, sign in and open Profile → Limits.

A transfer PIN is a 4–6 digit code used to authorise outbound payments — an additional layer beyond your login password. Set it once under Profile → Security. We recommend enabling it, especially for accounts with higher transfer volumes.

Yes. From the Transfers page you can create standing orders or one-time scheduled transfers. Choose frequency (weekly, bi-weekly, monthly), start date, and end date. You will receive a reminder before each execution and a confirmation after it completes.

Currency conversions use platform exchange rates with spreads configured by the administrator — currently 1.5% on fiat pairs and 3.0% on digital-asset pairs. Spreads may change; live rates are shown on the Swap page before you confirm a conversion.

Withdrawals

From the Withdrawals page, eligible accounts can request payouts after completing verification and setting a transfer PIN. Available methods typically include:

Bank transfer (to a linked external account)
Cryptocurrency (to an external wallet address)

Each request is reviewed before funds are released. Minimum amounts and fees depend on currency and method — preview fees on the withdrawal form before submitting.

Withdrawal requests are reviewed before funds are released. Bank payouts typically complete within 1–3 business days after approval. Cryptocurrency withdrawals depend on network congestion and may take additional time once approved. You can track status under Withdrawals → History.

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