Stock Account Fiat Deposit and Withdrawal FAQ

1. Must fiat deposit users register with an email address?

Yes. It is recommended and required for fiat deposit users to register their BBX account using an email address.

To ensure smooth communication regarding deposit applications, withdrawal requests, supplementary documents, and account reconciliation, please use your BBX registered email to communicate with the official BBX email address.

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2. Do I need to complete KYC before depositing fiat into the stock account?

Yes.

Before using BBX fiat deposits, please complete your email registration and KYC verification. Accounts that have not completed KYC may not be able to process fiat deposits or withdrawals.

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3. Can fiat deposits and stablecoin deposits be mixed?

No.

Fiat deposits and stablecoin deposits utilize different funding paths and cannot be mixed.

Users who have already transferred stablecoins from their Funding Account to their Futures/Stock Account are temporarily ineligible for bank transfer fiat deposits. Conversely, once bank transfer fiat deposits are enabled, stablecoin deposits into the stock account will no longer be supported (i.e., stablecoin transfers between the stock account and the funding account will be disabled).

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4. What currencies should I use to deposit for trading US and HK stocks?

• Trading US Stocks: Please deposit in USD.
• Trading HK Stocks: Please deposit in HKD.

BBX does not currently support fiat currency conversion between USD and HKD. Please select the corresponding deposit currency based on the market you intend to trade in.

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5. Does BBX support fiat conversion between USD and HKD?

Not currently supported.

BBX does not offer fiat conversion services between USD and HKD at this time. Your withdrawal currency must strictly match your corresponding fiat deposit currency. Balances generated from USD deposits can only be withdrawn in USD, and balances generated from HKD deposits can only be withdrawn in HKD.

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6. What is the minimum fiat deposit amount?

The current minimum deposit amounts are:

• USD: Minimum 100 USD
• HKD: Minimum 1,000 HKD

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7. How long does a fiat deposit take to arrive?

Deposits are currently estimated to arrive within 1 to 3 business days.

Actual arrival times may vary depending on bank processing times, cross-border remittance clearing, intermediary banks, public holidays, whether the UID was correctly entered, and the completeness of email information.

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8. Are there any fees for deposits and withdrawals?

• BBX charges zero fees for fiat deposits.
• BBX charges a 0.5% service fee for fiat withdrawals.

Note: Sending banks, intermediary banks, receiving banks, or other third-party institutions may charge associated fees. For deposits, if bank fees occur, the actual credited amount on BBX will be based on the exact amount received by the BBX bank account. For withdrawals, any related banking or third-party fees are borne by the user, meaning the actual received amount may be lower than the requested withdrawal amount.

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9. What is the minimum fiat withdrawal amount?

The current minimum amount per single withdrawal is:

• USD: Minimum 100 USD per transaction
• HKD: Minimum 1,000 HKD per transaction

Withdrawal requests below these minimum amounts may not be processed.

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10. What is the daily maximum limit for fiat withdrawals?

Each user can request fiat withdrawals up to a daily maximum equivalent of 1,000,000 USD.

Withdrawal requests exceeding this limit may require batch processing or further compliance review.

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11. How long does it take for a fiat withdrawal to be sent out?

Once the withdrawal request is approved:

• Under 300,000 USD equivalent: Expected to be remitted within 3–5 business days.
• Over 300,000 USD equivalent: Expected to be remitted within 5–7 business days.

The exact arrival time depends on the processing speed of the sending bank, intermediary banks, and the receiving bank.

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12. Can I withdraw fiat to a different bank account?

No.

Fiat withdrawals can only be returned to the verified, same-name personal bank account that was previously used for the corresponding fiat currency deposit.

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13. Can I use a friend's or a company's bank account to deposit into my BBX account?

No.

BBX currently only accepts deposits from personal bank accounts under the exact same name as the verified user. Deposits from third-party accounts will fail the compliance review, and the funds will be rejected and returned.

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14. What should I do if I forget to include my UID in the transfer memo?

Please immediately send a deposit notification email to the official BBX email address using your BBX registered email, clearly stating that you forgot to include your UID in the transfer memo/reference.

Please include the following details in your email:

• BBX UID
• Registered Email Address
• Deposit Currency
• Deposit Amount
• Sending Bank Name
• Bank Account Holder Name
• Bank Account Number
• Time of Transfer
• Bank Transfer Reference Number
• Transfer Receipt or Screenshot

BBX will make every effort to conduct a manual reconciliation, but processing times may be significantly delayed.

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15. Will BBX ask me for my bank password, verification code, or private key?

Never.

BBX will never ask users for bank passwords, SMS verification codes, online banking login credentials, private keys, or seed phrases. Please do not disclose this sensitive information to anyone.