General FAQs
About Utoppia
What is Utoppia?

Utoppia is a Neobank located in the United States. It offers access to an account in dollars for people who have international financial needs. It is 100% digital and focused on a strategy designed to merge your modern life habits with your work. Like other Neobanks, Utoppia doesn’t have a brick and mortar building; but it nevertheless allows you to access a US account in dollars.

What services does Utoppia offer?

Utoppia gives you access to a US dollar account. All you need to do to open an account is to have a valid identification document and have our app on your mobile device; no travel, no opening deposits, or maintenance fees required. With Utoppia, you can:

  • Make domestic and international transfers in US dollars.
  • Receive payments from anywhere in the world.
  • Make payments for services in your country of residence in the local currency using your Utoppia dollars.*
    *This service is only available to users with declared residence in Argentina, Chile, Colombia, and Mexico.
  • Have access to a preferential plan called Utoppia Plus. The plan will provide you with the following benefits:
    -An investment account with a highly competitive interest rate.
    -All your ACH transactions will be Same Day ACH and free of charge.
    -You will receive priority support from our Customer Service team.
  • Have your own international debit card.*
    *The International Virtual Debit Card will not be available for Utoppians who joined after 03/24/2023. We are integrating with a new card provider to offer a better experience. We will automatically notify you when they are available.
How does Utoppia work?

Utoppia functions as a global mobile app that works together with a US based Banking-as-a-Service provider to provide you access to an account in US dollars.

SYNAPSE BROKERAGE LLC is our Banking-as-a-Service provider that keeps a record of our users, their transactions, accounts and account statements. The funds in your account are insured by the SIPC up to USD 250,000 through SYNAPSE BROKERAGE LLC. At the same time, eventually, these funds may potentially be eligible for coverage given by the FDIC for the total amount of USD 250,000, according to the criteria of our provider Synapse.

What are the fees for the Utoppia account?

Opening your account with Utoppia is totally free and there are no maintenance fees. You can check pricing for other features on our website at utoppia.com/pricing

Customer Service
What are Utoppia’s customer service channels?

You can get in contact with us through our official customer service channels:

Whatsapp: +1 (650) 495-2468 
Instagram: @utoppia.us
LinkedIn: Utoppia
Twitter: @utoppia_us
Facebook: Utoppia.us

Our customer service team will provide you with any help that you may need! Please remember that we will never contact you to ask for your User ID, passwords, or debit card pin number. If you have any questions or concerns, do not hesitate to contact us through our official support channels.

How do I file a complaint?

In order to file a complaint, please contact our customer experience team using our WhatsApp number: +1 (650) 495-2468.

Payments & Card
Transfers
What is a same-day ACH transfer?

An advantage of having an account at Utoppia is that we offer same-day ACH transfers! You can transfer your money in 24 hours or less if the transfer is made before 19:00 UTC Monday - Friday. If the transfer is made after 19:00 UTC or before a weekend, please allow more time for the transfer to settle. Additionally, there is a fee of $2 when using Utoppia’s same-day ACH transfer service.

Same-day ACH transfers also feature the same characteristics as regular ACH transfers: they are electronic, bank-to-bank money transfers processed through the Automated Clearing House Network.

What information do I need to make a SWIFT transfer?

According to the new requirements for international transfers it is necessary to add additional information for certain destinations:

1- Tax Number: If the recipient of the funds is a person or company residing in Argentina, Colombia, Costa Rica, or the Dominican Republic, it is now mandatory to enter the tax number of the beneficiary.

  • Argentina, it should be the CUIT/CUIL as applicable.
  • Colombia, it should be the CE/CE for individuals and the NIT for legal entities.
  • Costa Rica, it should be the NITE.
  • Dominican Republic, it should be the RNC.

The Tax Number is a unique identification number assigned to individuals and entities for tax and administrative purposes. 

2- Bank's Branch Code: If the destination of the funds is any of the countries listed below, you should enter the Bank's Branch Code:

  • Brazil
  • Uruguay
  • Indonesia

The branch code is a 3-digit code that identifies a specific branch of a bank.

3- Bank's Branch State Number: If the destination of the funds is Australia, you should enter the Bank's Branch State Number. A BSB number, otherwise known as a Bank State Branch number, is a 6-digit number that distinguishes banks and branches across Australia.

4- Bank's Branch Name: If the destination of the funds is China, you should enter the Bank's Branch Name. The Bank Branch Name is used to identify the branch where the funds are being sent.

5- CLABE number: If the destination of the funds is Mexico, you should enter the CLABE Number. A CLABE is a standardized, 18 digit number used by Mexican banks and financial institutions. It identifies both the part of their organization or branch where a bank account is held and the number of the bank account itself

6- Bank's Routing Number: If the destination of the funds is the Philippines or Canada, you should enter the Bank's Routing Number. The bank routing number is a 9-digit code that identifies your bank and your bank branch. The first 5 digits identify your bank, while the other 4 digits identify your branch location.

7- Bank Code: If the destination of the funds is India or Singapore, you should enter the Bank Code. The Bnk Code is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters (usually numeric, but can be alphabetic) representing the branch.

8- IBAN code: If the destination of the funds is to any of the countries listed below, you will need to enter the IBAN code. IBAN stands for International Bank Account Number and is used to identify bank accounts in international transfers made through SWIFT: AE (Austria), BE (Belgium), BG (Bulgaria), BR (Brazil), CH, CR (Costa Rica), CZ (Czech Republic), DE (Germany), DK (Denmark), DO (Dominican Republic), EE (Estonia), EG (Egypt), ES, FI (Finland), FR (France), GB, GE (Georgia), GR (Greece), GT (Guatemala), HR (Croatia), HU (Hungary), IE (Ireland), IL (Israel), IS (Iceland), IT (Italy), JO (Jordan), KW (Kuwait), LI (Liechtenstein), LT (Lithuania), LU (Luxembourg), LV (Latvia), MC (Monaco), MD, MT (Malta), NL (Netherlands), NO (Norway), PL (Poland), PT (Portugal), QA (Qatar), RO (Romania), SA, SE, SI, SK.

How do I send money with Utoppia?

With Utoppia, you can send money inside and outside the USA. 
ACH transfers allow you to send money inside the USA. You only need the full name, account number, account type, and routing number of the recipient.
International Wire (SWIFT) transfers allow you to send money outside the USA. You only need the full name, SWIFT code, and account number of the recipient.

How long does an outgoing transfer take?

A standard ACH transfer will take about 3-5 business days in order for the transfer to be completed and international wire transfers can take about 1-5 business days to complete. While Utoppia does not offer domestic wire transfers, they usually take less than 24 hours to complete.

Please note that same-day ACH transfers made before 19:00 UTC will take 24 hours to complete while transfers made after 19:00 UTC or before a weekend could take longer.

How do I dispute a transfer that's already completed?

To dispute a transfer, please remember that disputes can only be made regarding ACH transfers. Additionally, before you contact us with a dispute, you will need to have a valid reason (e.g. you didn’t make the transfer, potential fraud, etc). If you have a valid reason for your dispute regarding an ACH transfer, please contact our customer experience team using our WhatsApp number: +1 (650) 495-2468.

What is a SWIFT transfer?

A SWIFT transfer, also called an international wire transfer, is a secure and standardized method of sending or receiving money anywhere in the world. SWIFT is a messaging system for banks that works by linking up banks using standardized codes to complete payments.

What is an ACH transfer?

ACH transfers are electronic, bank-to-bank money transfers processed through the Automated Clearing House Network.

How can I receive money using Utoppia?

You can receive money from inside and outside the USA.

Inside the USA, you can receive money through ACH and Domestic Wire transfers.

Outside the USA, you can receive money through international SWIFT transfers from entities which have the ability to transfer money via SWIFT to an account in USD. Other platforms not restricted by SWIFT which you can receive money from are Wise, PayPal, Deel, Payoneer, etc.

For transfers equal to or greater than USD 3,000, it is mandatory to include the full name and residential address of the beneficiary. This is required by regulations of the US banking system.

What are domestic wire transfers?

A domestic wire transfer can be described as any type of wire payment that takes place between two different banks or institutions within the same country. These transfers can be either inter-bank or intra-bank. Senders may require a code or the recipient's branch number if they want to complete this type of transfer.

How do I make a transfer to another Utoppian?

Transfers between two Utoppians (U2U) are instant and free! Before you make a transfer, please make sure you and the person you wish to transfer money both have enabled the option “Allow Utoppians to find me“ found under “Receive funds using my email“ which is under the “Profile” section of the app. To make your transfer, select the “Transfers“ section of the app, click “Send“, click “New USD recipient“, and then select the option to transfer to a “Utoppian User”. Then type in the email of the Utoppia user you’d like to send your USD to, enter the amount and transfer reference, and then confirm!
Remember your monthy transaction limit for U2U is up to 2 for sending, and 2 for receiving.

Transfer Fees
Are there fees for ACH transfers?

An advantage of using Utoppia is that we don’t charge any fees for sending or receiving money in the US via ACH transfers from your Utoppia account.

However, to send same-day ACH transfers, there is a fee of 2 USD.

Are there fees for international wire transfers?

There is a fixed fee of $32 when sending money from your Utoppia account via international wire transfers. Since this fee is fixed, it will not change based on the different amounts of money you might want to transfer internationally. Additionally, there is a fee of $30 for receiving money in your Utoppia account via international wire transfers.

Are there fees for receiving domestic wire transfers?

An advantage of using Utoppia is that there are no fees for receiving money via a domestic wire transfer in your account. Please note that sending money from your Utoppia account can only be done via ACH or international wire transfers.

Transfer Limits
What are the transfer limits?

The limits for ACH, international wire, and domestic wire transfers can all be found by clicking this link: Transaction limits

Card Setup
What is a virtual card?

A virtual debit card is exactly like a physical card without tangibility. Just like a traditional debit card, a virtual card contains a card number, a verification number, and an expiration date. Additionally, the virtual debit card is attached to your account. When shopping online, you'd simply enter the card number and other details to purchase your goods or services. You are free to use your virtual card where international cards are accepted!

How do I activate my Utoppia card?

You can activate your card by following these steps in our app:

Select the “Card” option → then click the “Manage” tab  → then click “Card Activated”. There you have the options to both activate and disable your card.

How do I create or change my PIN number?

To change your virtual card PIN number, simply follow these steps on our app:

Select the “Card” option --> then tap on “Manage” --> then select “Security PIN” and set your 4 digit PIN number.

Cards & Online Payments
Why is the virtual debit card not available in the app?

The International Virtual Debit card is not available for Utoppians who joined after 03-24-2023. We are integrating a new card provider so we can offer a better experience. We will let you know as soon as it's available.

How is the conversion of a purchase that is not in USD calculated?

Every purchase made in a currency other than the dollar is subject to the exchange rate set by Mastercard International. It’s important for you to know that from the moment you initiate the purchase until it is successfully processed by the merchant, this exchange rate may vary.Please note that purchases made in currencies other than USD are subject to a fee of 1.99% of the total purchase amount.

What should I do if a purchase at the store is canceled but I still see it as paid?

This can happen due to communication errors between the store and the payment processor it uses. However, usually, the money will be returned to your account within 7 business days after the purchase is made. In case this doesn’t happen, we recommend that you initiate a claim with the store.

Can I make a payment when I'm not logged into the app?

Yes, you do not have to be logged into the Utoppia app to make a purchase using your debit card. In some cases, it depends on the merchant or merchant processor where the transaction is attempted. If you are unsure whether the transaction was completed, make sure to check your account balance once you have logged in again!

How do I deactivate my virtual card?

To deactivate your Utoppia card, please follow these steps in our app: Select the “Card” option → then click the “Manage” tab → then click “Card Activated”. There you will have the option to deactivate your card.

If you don’t have access to your personal smartphone and cannot log into your Utoppia account, please contact our customer experience team if you you have concerns about your account security using our WhatsApp number: +1 (650) 495-2468.

Is my Utoppia account compatible with PayPal?

Yes, however in order for us to make sure we can validate your transaction, please make sure to send us the receipt within 24-48 hours of receiving it.

Account & Personal Details
Opening an Account
Where do I have to live and which valid identity documents and phone numbers does Utoppia support?

To open an account with Utoppia, you must have a valid identity document (passport) from one of the following countries: Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, Colombia, Czech Republic, Denmark, Finland, France, Germany, India, Ireland, Italy, Luxembourg, Malaysia, Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, Slovakia, South Africa, Spain, Sweden, Switzerland, United Kingdom, and Vietnam. Also, you have to have an address in any one of these countries.

Additionally, to open your account with us, your phone number has to match your country of residence. For example, if you live in Argentina, your phone number must be an Argentinian number.

How do I open my Utoppia account?

You can open an account using the app on your smartphone if you:

  • Are 18 years or older
  • Have a valid identity document (passport) from a supported country
  • Do not already have an account at Utoppia
  • Have an address in one of our supported countries
  • Have a mobile number that matches your country of residence
  • And you own a compatible smartphone

Additionally, after you sign up, we’ll ask you to take a picture of your identity document and a video selfie to prove your identity. Once your identity is verified, you’ll be able to deposit funds and use your Utoppia account!

Why am I unable to sign up?

Utoppia is growing very fast 🚀, and that's why we want to inform you that we have reached our cap of users 🙏 and we are working so that more people can be part of Utoppia 🙌. If you have already started the registration process, don't worry! You are already in our waiting list and we will be notifying you automatically so you can finish the registration 🚀. We are working hard on it! 💪🏻

In case you have not done it, we invite you to start in the App the first steps of registration to be in our waiting list 😀.

Do I have to travel to open my account with Utoppia?

No, to open your account with Utoppia you don’t need to travel; all you have to do is download our app and register with a valid identity document from a supported country.

Identity Verification
How do I prove my identity?

In order to provide a secure experience, it’s important for us to know our customers. A identity document picture (passport) and video selfie work as proof of identity which is required to open an account at Utoppia. Also, if necessary, we may ask for additional information to help verify your identity in the future.

Why isn’t my identity verification working?

Most identity verifications fail due to poor picture or video quality.

Here are a few tips that will help you take a useable video selfie:

  • Complete the process in a bright environment and use a phone with a good camera.
  • If you're using an Android, ensure the camera is in focus.
  • Enable or disable your flash depending on the lighting in the room.
  • Make sure you’re the only person in the video.

Check your identity document:

  • We only accept photos of your physical identity document (passport).
  • Keep your identity document
  • (passport) on a flat surface and make sure it is fully visible and the information is readable.
  • Try to avoid any glare that may appear in the photo as it obscures the information on the document.
  • Make sure your identity document (passport) isn't damaged in any way.
  • Make sure to type in your full name as it appears on your identity document, no nicknames please!
  • Double check that your personal information is correctly filled in before you submit for verification.
  • If the picture of your identity document and/or your video selfie doesn’t work on the first try, we recommend that you start the process over again with these tips in mind.
Why do I need to send additional documents?

In certain scenarios, we may require additional information from our customers to continue with the sign-up process. This is a standard request that aligns with our legal and regulatory requirements.

Personal Information & Data
Can Utoppia close my account?

Yes, Utoppia may be able to close your account. For further information on this, please visit our website at Utoppia  where you will find our terms of service.

Where can I find my account details?

You can find your account details written on your account statement or under the “Profile” → “Account Details” section in the app. In the same section, you’ll be able to share your account details with your contacts.

How do I close my account?

Closing your account at Utoppia is completely free and you can do it whenever you want. Simply follow these steps in our app: “Profile” → “Close Account”.

How do I change my personal information?

To change your personal information, like your name, nickname, and your address (as long as it is within the same country where you registered), please contact our customer experience team using our WhatsApp number: +1 (650) 495-2468.

How do I download my account statements?

Your monthly account statements are updated on the 15th of each month and are available to be downloaded from the app following these steps: “Profile” → “Monthly Statements.”

How can I provide proof of origin for funds in my account?

We might request proof of origin or your flow of funds to make sure your money is safe, to help in the fight against terrorism, and/or to avoid money laundering activities.

Based on your account profile that was set by you during the onboarding process and depending how you generate your money, we may require, upon certain events, that you provide documentation in order to verify your source of funds via:

  • Account statements
  • Invoices issued to your most relevant customers that validate the source of funds
  • And/or signed contracts

Note: we may contact you in order to clarify any other activity.

How do I reset my password?

If you forgot your password or you need to reset it, please click the “I forgot my password” link which can be found on the log in page. If you continue having more difficulties with this, please contact our customer experience team though our WhatsApp channel: +1 (650) 495-2468.

Requirements for creating or modifying a password

  • It must have at least 8 characters.
  • It must contain at least one number.
  • It must contain at least one uppercaseand one lowercase letter.
  • It must contain at least one special character.
  • It must be different from the 3 previous ones.

Crypto
Understanding Crypto
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Crypto Access
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Crypto Transactions
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Taxes
International Tax Regulations
Do I have to pay taxes in the USA for using Utoppia?

No, having a Utoppia account doesn’t mean you have to pay taxes in the USA. However, we suggest you contact a tax professional from the country where you should pay taxes.

Mobile App
Our App
How do I give feedback or suggest a new product?

Users can submit their feedback or suggest a new product by sending an email to research@utoppia.com

How do I download the Utoppia app on my smartphone?

Our app is available on the Google Play store and in the App Store in the following countries: Argentina, Australia, Austria, Belgium, Brazil, Canada, Chile, Colombia, Czech Republic, Denmark, Finland, France, Germany, India, Ireland, Italy, Luxembourg, Malaysia, Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, Slovakia, South Africa, Spain, Sweden, Switzerland, United Kingdom, United States, and Vietnam.

Security
Account Protection
What do I do if my account may be compromised?

If you think your account could be compromised, please contact our customer experience team right away using our WhatsApp number: +1 (650) 495-2468. Also, please reset your password immediately by clicking the “I forgot my password link” on the login page.

What do I do if my debit card is compromised?

If you think your debit card could be compromised, please contact our customer experience team right away using our WhatsApp number: +1 (650) 495-2468. Additionally, you can freeze your card by following these steps in the app: select the “Card” tab → then click the “Manage” tab → then “Card Activated”. There you have the option to disable or “freeze” your card.

What is phishing?

Phishing is a social engineering attack that uses fraudulent messages in order to trick users to reveal sensitive information or install some kind of malware. To prevent phishing, always double check that the emails you receive are recognizable and valid along with the websites that you browse.

  • For emails, look for typos in the messages and validate that the source email address is from the correct domain of the expected sender. Suspicious emails usually contain urgent, call-to-action messages or threats that have links or attachments.
  • For websites, validate that the site features a secure connection (check for the lock icon on the left of the site URL), this will ensure that your information is encrypted and secure and that the site belongs to the correct owner instead of a malicious hacker.

Remember that Utoppia will never ask for your personal login or account security information.

What do I do if I received a suspicious message?

If you receive a suspicious message and you are not sure if it is a legitimate message from Utoppia, please contact our customer experience team to validate it with us using our WhatsApp number: +1 (650) 495-2468. Please note that our analysts will never ask for your login or account information.

How do I protect my account?

Here are the top two ways you can protect your account with Utoppia:

  1. Do not share your password with anyone
  2. Change your password periodically

If you think your account could be compromised, please contact our customer experience team right away using our WhatsApp number: +1 (650) 495-2468.

Bill payments
What is the Bill Payments feature?

The Bill Payments feature allows you to use USD from your Utoppia account to pay for local services in your country of residence at a competitive exchange rate.

How does it work?

You can use the Bill Payments feature to pay services like utilities (gas, electricity), phone bills and more, all in the local currency. The USD amount will be debited from your Utoppia account, simplifying the process of handling your daily expenses.

Do I need to convert USD to local currency?

No, you don't need to convert USD to the local currency. The Bill Payments provider handles the conversion at a competitive exchange rate, saving you the trouble of acquiring local currency. You will see the conversion rate before completing the payment.

Are there any limitations to what bills I can pay?

You can pay a variety of bills, including utilities, phone recharges, and more. However, specific bill types such as gambling are not included in the list.

What are the daily and monthly limits?

The Bill Payments feature comes with a USD 2,000 daily limit and USD 8,750 monthly limit to help you manage your expenses effectively.

How do I access the Bill Payments feature?

The Bill Payments feature can be accessed through your Utoppia account. Look for the "Bill Payments'' section to get started.

Is this feature available in all countries?

No, this feature is only available for users with declared residence in Argentina, Colombia, Mexico, and Chile.

Is my transaction secure?

Yes, transactions made through the Bill Payments feature are secured using the standard security measures of your Utoppia account, ensuring your financial information remains protected.

How quickly are the payments processed?

The processing time for bill payments can vary based on the service provider. In general, payments are processed promptly to ensure your bills are settled on time. Although our payment confirmation is issued instantly, it may take up to 72 business hours for the payment to reflect with the service providers of the paid services.

How many invoices can I pay in a day?

There is no limit to the number of invoices you can pay. The limit only applies to the total daily and monthly amount you can allocate to this feature.

Can I pay for services with a flexible amount, meaning I can manually enter the payment amount?

Yes, but only if the company allows it.

Is there any cost for paying services?

No, there is no cost. The local currency amount will be converted to USD, which will be debited from your Utoppia account.

Can I pay for services from a different country than my residence?

No, currently you can only pay for services within the country where you declared residency.

Who is the payment processor that will appear on the transaction receipt?

In all countries, the information related to the payment processor corresponds to "Official Agent Tapi".

What happens if I need to start a claim because I have a problem?

If you need to dispute a payment please contact our customer experience team using our WhatsApp number: +1 (650) 495-2468.

Utoppia Plus
How can I upgrade to Utoppia Plus Plan?

Through the app, you will be able to upgrade to Utoppia Plus in a simple process of a few steps that will grant you access to the benefits. Keep in mind that until your investment account is enabled, you won't be able to access the other benefits included in the plan. The account opening process takes no more than 24 hours.

What does the Utoppia Plus Plan include?

The plan will give you access to:

  • An investment account with an annual yield.
  • Free Same Day ACH transactions.
  • Customer Support priority support.

What is the cost of the Utoppia Plus Plan?

The first month is free! After that, the cost is only $4.99 USD a month.

How is the charge made?

The cost of the plan, which grants you access to the benefits for 30 consecutive days, will be debited from your USD balance.

What happens if I don't have enough balance in my account?

We will attempt to debit the cost for 7 consecutive days starting from the end of the current period. If we are unable to collect the payment after 7 days, your plan will be canceled, and you will no longer enjoy the benefits. We'll downgrade your account to the basic plan

How are the returns calculated?

The income is calculated daily and credited monthly within the first 5 business days of each month.

Where is my money invested?

Your funds are invested in the Cash Management Program - Bank Sweep provided by Drivewealth LLC. For more information, you can refer to these Disclosures.

Can I withdraw my money at any time?

Yes, you can withdraw your money at any time without penalties. The processing time for withdrawals occurs within 2 business days or less.

Is it possible to add additional funds to the account once it's opened?

Yes, you can add funds at any time to maximize your returns. Funds can only be deposited into the investment account from the Utoppia account.

How long does it take for a deposit to reflect in the investment account?

Funds take 3 business days or less to be reflected in the investment account.

Is there a minimum amount to open the account?

No, you can open the account with any amount you prefer.

What types of risks are associated with this account?

Depositing in the investment account involves investing in the financial market. This means that such an investment implies inherent risks for which Utoppia cannot be held responsible for any variations in the interest rates or returns provided.

How can I monitor the performance of my investment?

Through the app, you can access the details and returns for your investments account.

How long does it take to open the investment account and start generating returns?

Typically, approval takes only a few hours. But it can take up to 24 hs.

How are taxes on the generated interests handled?

Your interests are not subject to US tax withholding. It is the responsibility of each client to declare taxes in their country.
Tax obligations vary by jurisdiction, and it is advisable to consult a tax advisor to understand the tax implications.

What is the commission charged for deposits and withdrawals?

Processing deposits and withdrawals are free of charge.

When Is the monthly fee debited?

The monthly debit is made in advance and grants you access to the benefits for 30 consecutive days. Remember that the first 30 days are free!

How do I cancel my plan?

If you want to cancel the Utoppia Plus plan, you must do it through the App. You need to go to Profile - Utoppia Plus - Cancel Utoppia Plus. Remember that the plan will be terminated once the period for which we have already debited USD 4.99 has elapsed. Once the downgrade is completed, you will no longer have access to the benefits provided by the plan.

What happens if I cancel the plan and have funds in the investment account?

After the 30-day period you have paid for has elapsed, we will debit the balance from your investment account and credit it to your Utoppia balance.

Is there any cost or penalty for cancelling the plan?

No, there is no cost to cancel the plan.

What happens if I have pending interest payments when I cancel the plan?

Once the interest is credited to your investment account, we will proceed to debit from your Investment Account and credit it to your Utoppia balance, and then close the investment account. The benefits of the Plus Plan will remain in effect until the date that you have covered with the prepaid payment for the respective period.

Can I cancel the plan at any time?

Yes, you can cancel the plan at any time. If you have already paid for the current period, you will continue to have access to the benefits until the prepaid 30-day period is completed.

Founded in California, USA. Reaching the whole world.

*All the images are for illustration purposes only.

Utoppia is not a bank. Utoppia Inc. is a technology services provider.

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks.

Account opening and other banking services provided by Utoppia are subject to applicable United States law and the Terms of Service. Utoppia may refuse to open or maintain accounts that violate applicable United States law and the Terms of Service. By creating an account using Utoppia’s mobile phone application, otherwise using Utoppia’s services or signing an electronic signature card, you agree to Utoppia’s Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any and all applicable local laws.
Utoppia is only an intermediary of TAPI (as such term is defined in the bill payment terms of services found at link) whereby TAPI offers the TAPI services (as such term is defined in the bill payment terms of services) and UTOPPIA integrates such TAPI services into the mobile app, as such, neither UTOPPIA or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the TAPI services; (II) the functionality of the TAPI services; and/or (III) any delays or other acts under the control of TAPI as they relate to the TAPI services UTOPPIA'S liability for losses you or any third party may incurunder any circumstance, in connection with your account or the TAPI services is limited only to actual damages proved that are proximately caused by UTOPPIA'S gross negligence or willful misconduct. by using the mobile app in connection with the TAPI services, you also acknowledge and agree to be subject, in all respects, to any and all disclamers, limitations of liability and other terms and conditions set forth in the bill payments terms of service, UTOPPIA'S general Terms of Service (found at link), and UTOPPIA'S privacy Policy (found at link).Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, "Synapse"). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC ("Synapse Brokerage"), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA's BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse's Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks List of Program Banks.
Utoppia is only an intermediary of Quiena Wealth Management Inc., a corporation organized under the laws of the State of Delaware ("Quiena"), whereby Quiena offers the Quiena Services (as such term is defined in Utoppia's Investment Account Terms of Services and Utoppia integrates such Quiena Services into the Mobile App. As such, neither Utoppia or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the Quiena Services; (II) the functionality of the Quiena Services; and/or (III) any delays or other acts under the control of Quiena or DriveWealth (as such term is defined below) as they relate to the Quiena Services. Utoppia's liability for losses you or any third party may incur under any circumstance, in connection with your account or the Quiena Services is limited only to actual damages proved that are proximately caused by Utoppia's gross negligence or willful misconduct. By using the Mobile App in connection with the Quiena Services, you also acknowledge and agree to be subject, in all respects, to any and all disclaimers, limitations of liability and other terms and conditions set forth in the Investment Account Terms of Services, Utoppia's PLUS Terms of Service , Utoppia's General Terms of Service), and Utoppia's Privacy Policy.Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Quiena, which is duly licensed by the United States Securities and Exchange Commission as a Registered Investment Advisor. Quiena is not a bank and is not affiliated with Utoppia Inc. The Quiena Services whereby funds in your account at Utoppia may be, upon your instruction, be deposited into one or more interest-bearing deposit accounts held at one or more participating banks are provided through DriveWealth, LLC, a New Jersey limited liability company, registered with the United States Securities and Exchange Commission as a custodian of investment accounts and which has the registration number 8-69161 ("DriveWealth"). You may view DriveWealth's website which includes its Terms of Service and Quiena's Terms of Service.