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Incoming, outgoing, and card limits
For compliance reasons, your account limits in Utoppia depending on how long you've been banking with us
Up to 46 days of an active account
Please note that monthly limits are calendar based.
How many dollars can I send?
Domestic daily limit (ACH)
Domestic monthly limit (ACH)
Intl. daily limit (SWIFT)*
Intl. monthly limit (SWIFT)*
*the minimum amount for outgoing SWIFT transfers is USD 1000
$2,000
$8,750
$1,500
$4,375
How many dollars can I receive?
Domestic daily limit (ACH) 
Domestic monthly limit (ACH)
International daily limit (SWIFT) 
International monthly limit (SWIFT)
$15,000
$15,000
$15,000
$15,000
How many dollars can I spend with my card?
Daily limit
Monthly limit
$2,000
$8,750
Utoppian to Utoppian Limits (U2U)*
*transfers between Utoppians
Amount limits
Number of Monthly Incoming Transfers
Number of Monthly Outgoing Transfers
No Limits
10
10
Be aware that your money will always be available for you. If you need to withdraw or transfer above the limit please contact our Support team.
From day 47 to day 91
Please note that monthly limits are calendar based.
How many dollars can I send?
Domestic daily limit (ACH)
Domestic monthly limit (ACH)
Intl. daily limit (SWIFT)*
Intl. monthly limit (SWIFT)*
*the minimum amount for outgoing SWIFT transfers is USD 1000
$4,000
$15,000
$2,500
$6,500
How many dollars can I receive?
Domestic daily limit (ACH)
Domestic monthly limit (ACH)
Intl. daily limit (SWIF)
Intl. monthly limit (SWIFT)
$15,000
$15,000
$15,000
$15,000
How many dollars can I spend with my card?
Daily limit
Monthly limit
$4,000
$17,500
Utoppian to Utoppian Limits (U2U)*
*transfers between Utoppians
Amount limits
Number of Monthly Incoming Transfers
Number of Monthly Outgoing Transfers
No Limits
10
10
Be aware that your money will always be available for you. If you need to withdraw or transfer above the limit please contact our Support team.
From day 92 onwards
Please note that monthly limits are calendar based.
How many dollars can I send?
Domestic daily limit (ACH)
Domestic monthly limit (ACH)
Intl. daily limit (SWIFT)*
Intl. monthly limit (SWIFT)*
*the minimum amount for outgoing SWIFT transfers is USD 1000
$10,000
$15,000
$15,000
$15,000
How many dollars can I receive?
Domestic daily limit (ACH)
Domestic monthly limit (ACH)
Intl. daily limit (SWIF)
Intl. monthly limit (SWIFT)
$15,000
$15,000
$15,000
$15,000
How many dollars can I spend with my card?
Daily limit
Monthly limit
$5,000
$17,500
Utoppian to Utoppian Limits (U2U)*
*transfers between Utoppians
Amount limits
Number of Monthly Incoming Transfers
Number of Monthly Outgoing Transfers
No Limits
10
10
Be aware that your money will always be available for you. If you need to withdraw or transfer above the limit please contact our Support team.
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Founded in California, USA. Reaching the whole world.

Contact Us! +1 (650) 495-2468
Utoppia Inc. 399 Fremont St. 2107 San Francisco, 94105 (CA)
TERMS OF SERVICEPRIVACY POLICYAPPLICATION STATUS
*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 (https://www.finra.org/) and SIPC (https://www.sipc.org/). Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck (https://brokercheck.finra.org/firm/summary/137662). See Synapse Terms of Service (https://synapsefi.com/synapse-enabled-services-tos), Privacy Policy (https://synapsefi.com/privacy), and the applicable disclosures and agreements available in Synapse’s Disclosure Library (https://synapsefi.com/legal) for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks (https://synapsefi.com/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.