P2P transfers allow you to send money instantly and for free to other Utoppia users. It's the fastest and most economical way to transfer funds between Utoppia accounts.
It's very simple: when you select "Send" on the home screen, you have two options: "Utoppian to Utoppian" or "Inside the USA". Transfers between Utoppians are processed instantly at no cost.
You can configure how you want to be found by other Utoppians in the "Utoppian Contacts" section within your Profile. You have two options:
Yes, you can search for other Utoppians by syncing your phone contacts to see who else uses Utoppia.
If you can't find another user, it may be because:
Transfers between Utoppians are instant. The money reaches the recipient immediately after confirming the transaction.
P2P transfers are completely free. We don't charge any fees for sending or receiving money between Utoppia users.
Yes, for your security, we limit the total amount you can send or receive via P2P transfers each month.
Total Amount in USD (both incoming and outgoing) $3,000 per month.
Total Amount in quantity 6 transactions per month.
If you reach your monthly transaction limit, you'll see the following message: "For your security, we limit the total amount you can send or receive via P2P transfers each month. You've reached your monthly transaction amount limit." In this case, you can choose to make a traditional ACH transfer (which takes 3-5 business days) or a Same Day ACH transfer (which completes in less than 24 hours) to continue sending money.
Go to your Profile and look for the "Utoppian Contacts" section. There you can choose:
Yes, you can modify your privacy settings whenever you want from your Profile in "Utoppian Contacts".
If you have problems with P2P transfers, contact our customer service team:
