BankMyCapital review: €1,500 to get an adult site banked

What BankMyCapital costs and how long it takes

A BankMyCapital engagement costs at least €1,500, plus whatever the receiving bank or EMI charges to onboard you. The exact scope is quoted in writing after the free check, which comes back within 48 hours under NDA, even when the answer is no. Fees already paid are not refunded unless the contract says so, and either side can end the engagement with 14 days’ written notice.

For an adult file, the stated timeline is one to two weeks of preparation, then two to three weeks to place an account when age verification is documented and chargebacks stay under 1%. Prior account closures or high chargebacks push that to four to six weeks, and a MATCH-listed merchant should expect two to three months or more. No outcome is guaranteed.

What a bank checks on an adult file

BankMyCapital discloses the adult business as it is from the first application. The file covers the ownership chart and beneficial owners, an age-verification policy with proof it runs, content-moderation and record-keeping procedures, the payout structure for creators, models or affiliates, and the chargeback and refund history of a site already trading.

Since Visa and Mastercard tightened their adult-content rules in 2021, banks weigh that evidence before holding the account, not only processors. BankMyCapital also recommends keeping model payouts on a separate account from incoming revenue, so a problem on the payout side does not freeze settlement.

EU, UK or offshore accounts

EU and EEA banks and EMIs give an IBAN in the company’s own name, with SEPA settlement in two to four business days. The UK pool is narrow, with Faster Payments or SWIFT in one to three days where the institution supports it. Offshore banks in the Caribbean and Asia-Pacific accept adult more readily, settle by SWIFT in three to five days and charge higher account fees. The consultancy usually pairs a primary account with a backup at a second institution.

Card processing goes through a partner PSP

BankMyCapital does not arrange card acquiring. When a site needs a processor, it introduces a partner PSP that accepts the category. For adult, it cites rolling reserves of 10 to 30% of volume held for 90 to 180 days, depending on region and history, and those terms belong to the PSP.

Who runs BankMyCapital

BankMyCapital is run by BMC Strategic Inc., company number 248107, at Victoria House in Victoria, Seychelles, and it describes itself as an unregulated consultancy that never holds client funds. It claims work since 2018, more than 300 businesses placed and over 50 bank and EMI partners, none of which can be checked from outside. The bankmycapital.com domain was registered on 13 July 2024. The principals do not publish their names, the blog uses a pen name, no client is named, and urgent contact runs through Telegram. The free check costs nothing, and the paid engagement is best signed once the consultancy has named the institutions it plans to approach.

BankMyCapital strengths and limitations