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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
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
$17,500
$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
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
$17,500
$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
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.
Banking services for the U.S. Dollar Account provided by Lineage Bank.
Contact Us! +1 (650) 495-2468
Utoppia Inc. 2700 W El Camino Real Mountain View, CA 94040
TERMS OF SERVICECardholder agreementPRIVACY POLICYAPPLICATION STATUS
*All the images are for illustration purposes only.

Utoppia is not a bank. Utoppia Inc. is a technology services provider. Utoppia provides services through its Software Provider and Bank Partners, as set forth in the Terms of Service.
Cash Management services are provided by Synapse Brokerage LLC, a registered broker dealer and member SIPC. Synapse Brokerage LLC provides cash management accounts and related services that allow customers to sweep uninvested cash balances into certain FDIC-insured bank accounts at Synapse Program Banks. Please visit the Deposit Sweep Program Disclosure Statement for important legal disclosures. Review the background of Synapse Brokerage LLC or its professionals on FINRA’s BrokerCheck website. Synapse Brokerage LLC is not a bank. Use of the cash management services are subject to Synapse Brokerage LLC’s terms of service, found at synapsefi.com/legal.

Banking services for the U.S. Dollar Account are provided by Lineage Bank, Member FDIC. Utoppia is not an insured bank. Deposit insurance does not apply to non-deposit products, such as stocks, bonds, money market mutual funds, securities or commodities.
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.