Frequently asked questions

To open a B.A.I.F account, you need: a valid form of ID (passport or driving licence), proof of address dated within the last 3 months, proof of income (last 3 payslips or financial statements for entrepreneurs), and bank details for the initial deposit transfer.

There is no minimum deposit for the Standard or Youth accounts. For the Prestige account, an initial deposit of 5,000 is required. For the Investor account, the initial deposit is 50,000. For wealth management, a minimum of 200,000 in entrusted assets is recommended.

Yes, the entire account opening process is done online in under 10 minutes. You will be guided step by step and your account will be activated within 24 business hours after document validation.

Yes. As an authorised institution, B.A.I.F participates in the Financial Services Compensation Scheme (FSCS). Your deposits are guaranteed up to 85,000 per depositor. For managed assets (securities), the guarantee is 70,000.

Our infrastructure is ISO 27001 and PCI-DSS certified. All communications are encrypted using TLS 1.3. Access to your client area requires two-factor authentication (2FA). Our cybersecurity teams provide permanent monitoring 24/7.

Report any suspicious transaction immediately via our security hotline (available 24/7) or from the mobile app. We block your card or account within 5 minutes. Fraudulent transactions are refunded within 5 business days after investigation.

Internal SEPA transfers (between B.A.I.F accounts) are instant. External SEPA transfers are processed on D+1 business day. International transfers (SWIFT) are processed within 2 to 5 business days depending on the destination country.

SEPA transfers in pounds are free for Prestige and Investor accounts. For the Standard account, the first 20 monthly transfers are free, then 0.30 per transfer. International transfers are charged at 5 per transaction (correspondent fees may apply).

Private Equity opportunities are accessible from 85,000 investment. They are reserved for clients with minimum financial wealth of 500,000 and a confirmed investor profile. Contact your dedicated advisor for the latest available opportunities.

We use the MWR (Money Weighted Return) calculation method, compliant with GIPS (Global Investment Performance Standards). Your net-of-fees performance is communicated in your monthly report, compared against your personalised benchmark.