How to verify your OKTO account?
The verification process usually takes a few minutes and helps us protect you against fraud and ensure that you can use
all of the OKTO services and features in a safe and secure way. We’re required to ask all our customers to verify their
accounts for compliance purposes, to provide and improve our services for them.
More
Select
your currency
EUR
RON
Consumer
(Current limits)
Consumer
(New limits from 9/9/24)

According to desired KYC Level, you should submit the equivalent documentation.

1. Log in to your OKTO app
2. Go to Settings and tap on “Raise Limits”
3. Complete the verification process

Verification Levels and Requirements
Level 1 - StandardLevel 2 - PremiumLevel 3 - Platinum
Completion of your OKTO account registrationProof of address document to verify your home addressProof of Wealth and Funds documents
OTP authentication of your registered mobile phone and emailQuestionnaire AQuestionnaire B
Valid government issued ID/Passport
Selfie to verify your ID

Accepted types of documents:
Accepted Valid ID: National ID or Passport
Accepted proof of address documents:
• Utility bill (electricity, water, gas)
• Telecom bill for landline or Satellite TV
• Bank account statement
• Tax assessment
The documents should not be older than 3 months.
Accepted proof of Wealth and Funds documents:
Proof of Wealth and Funds documents to show that your income comes from a legitimate source. These could be Official Letter from the Employer, Recent Payslip, Loan from the bank, Evidence of Earnings, Bank statement and enquiry of the source of wealth and so on.

Discover OKTO Features
Level 1 - StandardLevel 2 - PremiumLevel 3 - Platinum
Fund your OKTO account via debit, prepaid
or credit cards
Fund your OKTO account via debit, prepaid
or credit cards
Fund your OKTO account via debit, prepaid
or credit cards
Receive funds instantly back to your OKTO accountReceive funds instantly back to your OKTO accountReceive funds instantly back to your OKTO account
Send and request money from your friends (OKTO users)Send and request money from your friends (OKTO users)Send and request money from your friends (OKTO users)
Monitor your transactions anywhere, anytime
and real-time
Monitor your transactions anywhere, anytime
and real-time
Monitor your transactions anywhere, anytime
and real-time
Withdraw money from OKTO to your cards
or to your bank account
Withdraw money from OKTO to your cards
or to your bank account
Increased Transactions LimitsIncreased Transactions Limits
Order your OKTO Physical and Virtual cards

 

Check out OKTO Limits
Level 1 - Standard
Level 2 - Premium
Level 3 - Platinum
Transaction LimitsWalletMaximum Balance
200.000,00 €
200.000,00 €
200.000,00 €
Add FundsMoney/CardDayDay1.250,00 €Day50.000,00 €
Month250,00 €Month2.500,00 €Month50.000,00 €
YearYear15.000,00 €Year200.000,00 €
Transfer FundsMoney/Card
n/a
Day1.250,00 €Day50.000,00 €
Month2.500,00 €Month50.000,00 €
Year15.000,00 €Year200.000,00 €
PaymentsP2MDay500,00 €Day1.250,00 €Day50.000,00 €
Month1.000,00 €Month2.500,00 €Month50.000,00 €
Year3.000,00 €Year15.000,00 €Year200.000,00 €
BettingBet DepositDay500,00 €Day1.250,00 €Day50.000,00 €
Month1.000,00 €Month2.500,00 €Month50.000,00 €
Year3.000,00 €Year15.000,00 €Year200.000,00 €
PersonalP2P
(Send, Receive, Split)
Day250,00 €Day1.250,00 €Day50.000,00 €
Month250,00 €Month2.500,00 €Month50.000,00 €
Year3.000,00 €Year15.000,00 €Year200.000,00 €
Card LimitsCash Withdraw
n/a
Day750,00 €Day750,00 €
Month1.000,00 €Month1.000,00 €
Year12.000,00 €Year12.000,00 €
Per transaction300,00 €Per transaction300,00 €
Transactions/
Day
10Transactions/
Day
10
Transactions/
Month
24Transactions/
Month
24
Transactions/
Year
120Transactions/
Year
120
Payment
n/a
Day3.000,00 €Day3.000,00 €
Month3.000,00 €Month3.000,00 €
Year36.000,00 €Year36.000,00 €
Per transaction3.000,00 €Per transaction3.000,00 €
Transactions/
Day
20Transactions/
Day
20
Transactions/
Month
70Transactions/
Month
70
Transactions/
Year
120Transactions/
Year
120

* Where applicable

E-money services are provided by Sureswipe E.M.I. PLC. Sureswipe E.M.I. PLC is a company registered in Cyprus and authorized by the Central Bank of Cyprus as an Electronic Money Institution under the Electronic Money Law of 2012 for the issuance of electronic money, with license number 115.1.3.26. OKTOPAY LIMITED is a registered E-Money Distributor of Sureswipe E.M.I. PLC for all EEA countries except for Germany and OKTOPAY Deutschland GmbH is a registered E-Money Distributor of Sureswipe E.M.I. PLC in the territory of Germany. OKTO is a trademark of OKTO Group of Companies lawfully licensed to Sureswipe EMI PLC. All rights reserved (c) OKTOPAY 2024. The Oktopay Mastercard is issued by Paynovate SA pursuant to license by Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard international incorporated. The Oktopay Visa card is issued by Paynovate SA under license from Visa International Incorporated. Paynovate SA is an e-money issuer regulated by the National Bank of Belgium. Paynovate SA is registered with the Banque-Carrefour des Entreprises under number BE0506 763 929. Paynovate SA is a principal member of Visa and Mastercard.

According to desired KYC Level, you should submit the equivalent documentation.

1. Log in to your OKTO app
2. Go to Settings and tap on “Raise Limits”
3. Complete the verification process

Verification Levels and Requirements
Level 1 - StandardLevel 2 - Premium
Completion of your OKTO account registrationProof of address document to verify your home address
OTP authentication of your registered mobile phone and emailQuestionnaire B
Valid government issued ID/Passport
Selfie to verify your ID
Type in your home address and your Tax ID
Questionnaire A

Accepted types of documents:
Accepted Valid ID: National ID or Passport
Accepted proof of address documents:
• Utility bill (electricity, water, gas)
• Telecom bill for landline or Satellite TV
• Bank account statement
• Tax assessment
The documents should not be older than 3 months.

Discover OKTO Features
Level 1 - StandardLevel 2 - Premium
Fund your OKTO account via debit, prepaid or credit cards Fund your OKTO account via debit, prepaid or credit cards
Receive funds instantly back to your OKTO accountReceive funds instantly back to your OKTO account
Send and request money from your friends (OKTO users)Send and request money from your friends (OKTO users)
Monitor your transactions anywhere, anytime and real-timeMonitor your transactions anywhere, anytime and real-time
Withdraw money from OKTO to your cards or to your bank accountWithdraw money from OKTO to your cards or to your bank account
Spend money, using QR code at OKTO merchants*Spend money, using QR code at OKTO merchants*
Order your own OKTO IBAN accountOrder your own OKTO IBAN account
Order your OKTO Physical and Virtual cards
Increased Transactions Limits

 

Check out OKTO Limits
Level 1 - Standard
Level 2 - Premium
Transaction LimitsWalletMaximum Balance
200.000,00 €
300.000,00 €
Add FundsMoney/CardDay1.250,00 €Day50.000,00 €
Month2.500,00 €Month50.000,00 €
Year15.000,00 €Year300.000,00 €
Cash In - Payment ReloadDay1.250,00 €Day10.000,00 €
Month2.500,00 €Month10.000,00 €
Year30.000,00 €Year100.000,00 €
Transfer FundsMoney/CardDay1.250,00 €Day50.000,00 €
Month2.500,00 €Month50.000,00 €
Year15.000,00 €Year300.000,00 €
Cash Out - Payment ReturnDay1.250,00 €Day10.000,00 €
Month2.500,00 €Month10.000,00 €
Year30.000,00 €Year100.000,00 €
PaymentsP2MDay1.250,00 €Day50.000,00 €
Month2.500,00 €Month50.000,00 €
Year15.000,00 €Year300.000,00 €
BettingBet DepositDay1.250,00 €Day50.000,00 €
Month2.500,00 €Month50.000,00 €
Year15.000,00 €Year300.000,00 €
e-Commerce DebitDay1.250,00 €Day10.000,00 €
Month2.500,00 €Month10.000,00 €
Year30.000,00 €Year100.000,00 €
PersonalP2P (Send, Receive, Split)Day1.250,00 €Day10.000,00 €
Month2.500,00 €Month10.000,00 €
Year15.000,00 €Year100.000,00 €
Card LimitsCash Withdraw
n/a
Day750,00 €
Month1.000,00 €
Year12.000,00 €
Per transaction300,00 €
Transactions/Day10
Transactions/Month24
Transactions/Year120
Payment
n/a
Day3.000,00 €
Month3.000,00 €
Year36.000,00 €
Per transaction3.000,00 €
Transactions/Day20
Transactions/Month70
Transactions/Year120

* Where applicable

E-money services are provided by Sureswipe E.M.I. PLC. Sureswipe E.M.I. PLC is a company registered in Cyprus and authorized by the Central Bank of Cyprus as an Electronic Money Institution under the Electronic Money Law of 2012 for the issuance of electronic money, with license number 115.1.3.26. OKTOPAY LIMITED is a registered E-Money Distributor of Sureswipe E.M.I. PLC for all EEA countries except for Germany and OKTOPAY Deutschland GmbH is a registered E-Money Distributor of Sureswipe E.M.I. PLC in the territory of Germany. OKTO is a trademark of OKTO Group of Companies lawfully licensed to Sureswipe EMI PLC. All rights reserved (c) OKTOPAY 2024. The Oktopay Mastercard is issued by Paynovate SA pursuant to license by Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard international incorporated. The Oktopay Visa card is issued by Paynovate SA under license from Visa International Incorporated. Paynovate SA is an e-money issuer regulated by the National Bank of Belgium. Paynovate SA is registered with the Banque-Carrefour des Entreprises under number BE0506 763 929. Paynovate SA is a principal member of Visa and Mastercard.

Consumer
(Current limits)
Consumer
(New limits from 9/9/24)

According to desired KYC Level, you should submit the equivalent documentation.

1. Log in to your OKTO app
2. Go to Settings and tap the “Raise Limits”
3. Complete the verification process

Verification Levels and Requirements
Level 1 - StandardLevel 2 - PremiumLevel 3 - Platinum
Valid government issued ID/PassportProof of address document to verify your home addressProof of Wealth and Funds documents
Selfie to verify your IDQuestionnaire AQuestionnaire B

Accepted types of documents:
Accepted Valid ID: National ID or Passport
Accepted proof of address documents:
• Utility bill (electricity, water, gas)
• Telecom bill for landline or Satellite TV
• Bank account statement
• Tax assessment
The documents should not be older than 3 months.
Accepted proof of Wealth and Funds documents:
Proof of Wealth and Funds documents to show that your income comes from a legitimate source. These could be Official Letter from the Employer, Recent Payslip, Loan from the bank, Evidence of Earnings, Bank statement and enquiry of the source of wealth and so on.

Discover OKTO Features
Level 1 - StandardLevel 2 - PremiumLevel 3 - Platinum
Fund your OKTO account via debit/credit card Fund your OKTO account via debit/credit card Fund your OKTO account via debit/credit card
Spend money, using QR code at OKTO merchantsWithdraw money from OKTO to your cards
or to your bank account
Withdraw money from OKTO to your cards
or to your bank account
Receive funds instantly back to your OKTO accountSpend money, using QR code at OKTO merchantsSpend money, using QR code at OKTO merchants
Send and request money from your friends (OKTO Users)Receive funds instantly back to your OKTO accountReceive funds instantly back to your OKTO account
Monitor your transactions anywhere, anytime and real-timeSend and request money from your friends (OKTO Users)Send and request money from your friends (OKTO Users)
Store ReceiptsMonitor your transactions anywhere, anytime and real-timeMonitor your transactions anywhere, anytime and real-time
Increased Transactions LimitsStore ReceiptsStore Receipts
Increased Transactions LimitsIncreased Transactions Limits

 

Check out OKTO Limits
Level 1 - Standard
Level 2 - Premium
Level 3 - Platinum
Transaction LimitsWalletMaximum Balance
1.000.000,00 RON
1.000.000,00 RON
1.000.000,00 RON
Add FundsMoney/CardDayDay6.250,00 RONDay250.000,00 RON
Month1.250,00 RONMonth12.500,00 RONMonth250.000,00 RON
YearYear75.000,00 RONYear1.000.000,00 RON
Transfer FundsMoney/Card
n/a
Day6.250,00 RONDay250.000,00 RON
Month12.500,00 RONMonth250.000,00 RON
Year75.000,00 RONYear1.000.000,00 RON
PaymentsP2MDay2.500,00 RONDay6.250,00 RONDay250.000,00 RON
Month5.000,00 RONMonth12.500,00 RONMonth250.000,00 RON
Year15.000,00 RONYear75.000,00 RONYear1.000.000,00 RON
BettingBet DepositDay2.500,00 RONDay6.250,00 RONDay250.000,00 RON
Month5.000,00 RONMonth12.500,00 RONMonth250.000,00 RON
Year15.000,00 RONYear75.000,00 RONYear1.000.000,00 RON
e-Commerce DebitDay2.500,00 RONDay6.250,00 RONDay50.000,00 RON
Month5.000,00 RONMonth12.500,00 RONMonth50.000,00 RON
Year15.000,00 RONYear150.000,00 RONYear500.000,00 RON
PersonalP2P
(Send, Receive, Split)
Day1.250,00 RONDay6.250,00 RONDay250.000,00 RON
Month1.250,00 RONMonth12.500,00 RONMonth250.000,00 RON
Year15.000,00 RONYear75.000,00 RONYear1.000.000,00 RON
Card LimitsCash Withdraw
n/a
Day4.000,00 RONDay4.000,00 RON
Month6.000,00 RONMonth6.000,00 RON
Year65.000,00 RONYear65.000,00 RON
Per transaction1.600,00 RONPer transaction1.600,00 RON
Transactions/
Day
10Transactions/
Day
10
Transactions/
Month
24Transactions/
Month
24
Transactions/
Year
120Transactions/
Year
120
Payment
n/a
Day16.000,00 RONDay16.000,00 RON
Month16.000,00 RONMonth16.000,00 RON
Year185.000,00 RONYear185.000,00 RON
Per transaction16.000,00 RONPer transaction16.000,00 RON
Transactions/
Day
20Transactions/
Day
20
Transactions/
Month
70Transactions/
Month
70
Transactions/
Year
120Transactions/
Year
120

 

E-money services are provided by Sureswipe E.M.I. PLC. Sureswipe E.M.I. PLC is a company registered in Cyprus and authorized by the Central Bank of Cyprus as an Electronic Money Institution under the Electronic Money Law of 2012 for the issuance of electronic money, with license number 115.1.3.26. OKTOPAY Ltd (Cyprus) is registered E-Money Distributor of Sureswipe E.M.I. PLC and holds a Class II License for the activity of payment processor in Romania (Decision No.2112/29-09-2020 National Gambling Office Supervisory Committee, Ministry of Public Finance, Government of Romania). OKTO is a trademark of OKTO Group of Companies lawfully licensed to Sureswipe EMI PLC. All rights reserved (c) OKTOPAY 2023. The Oktopay Mastercard is issued by Paynovate SA pursuant to license by Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard international incorporated. The Oktopay Visa card is issued by Paynovate SA under license from Visa International Incorporated. Paynovate SA is an e-money issuer regulated by the National Bank of Belgium. Paynovate SA is registered with the Banque-Carrefour des Entreprises under number BE0506 763 929. Paynovate SA is a principal member of Visa and Mastercard.

According to desired KYC Level, you should submit the equivalent documentation.

1. Log in to your OKTO app
2. Go to Settings and tap the “Raise Limits”
3. Complete the verification process

Verification Levels and Requirements
Level 1 - StandardLevel 2 - Premium
Completion of your OKTO account registrationProof of address document to verify your home address
OTP authentication of your registered mobile phone and emailQuestionnaire B
Valid government issued ID/Passport
Selfie to verify your ID
Type in your home address and your CNP number
Questionnaire A

Accepted types of documents:
Accepted Valid ID: National ID or Passport
Accepted proof of address documents:
• Utility bill (electricity, water, gas)
• Telecom bill for landline or Satellite TV
• Bank account statement
• Tax assessment
The documents should not be older than 3 months.

Discover OKTO Features
Level 1 - StandardLevel 2 - Premium
Fund your OKTO account via debit, prepaid or credit cards Fund your OKTO account via debit, prepaid or credit cards
Receive funds instantly back to your OKTO accountReceive funds instantly back to your OKTO account
Send and request money from your friends (OKTO users)Send and request money from your friends (OKTO users)
Monitor your transactions anywhere, anytime and real-timeMonitor your transactions anywhere, anytime and real-time
Withdraw money from OKTO to your cards or to your bank accountWithdraw money from OKTO to your cards or to your bank account
Spend money, using QR code at OKTO merchantsSpend money, using QR code at OKTO merchants
Store receiptsStore receipts
Order your own OKTO IBAN accountOrder your own OKTO IBAN account
Order your OKTO Physical and Virtual cards
Increased Transactions Limits

 

Check out OKTO Limits
Level 1 - Standard
Level 2 - Premium
Transaction LimitsWalletMaximum Balance
1.000.000,00 €
1.500.000,00 €
Add FundsMoney/CardDay6.250,00 RONDay250.000,00 RON
Month12.500,00 RONMonth250.000,00 RON
Year75.000,00 RONYear1.500.000,00 RON
Cash In - Payment ReloadDay6.250,00 RONDay50.000,00 RON
Month12.500,00 RONMonth50.000,00 RON
Year150.000,00 RONYear500.000,00 RON
Transfer FundsMoney/CardDay6.250,00 RONDay250.000,00 RON
Month12.500,00 RONMonth250.000,00 RON
Year75.000,00 RONYear1.500.000,00 RON
Cash Out - Payment ReturnDay6.250,00 RONDay50.000,00 RON
Month12.500,00 RONMonth50.000,00 RON
Year150.000,00 RONYear500.000,00 RON
PaymentsP2MDay6.250,00 RONDay250.000,00 RON
Month12.500,00 RONMonth250.000,00 RON
Year75.000,00 RONYear1.500.000,00 RON
BettingBet DepositDay6.250,00 RONDay250.000,00 RON
Month12.500,00 RONMonth250.000,00 RON
Year75.000,00 RONYear1.500.000,00 RON
e-Commerce DebitDay6.250,00 RONDay50.000,00 RON
Month12.500,00 RONMonth50.000,00 RON
Year150.000,00 RONYear500.000,00 RON
PersonalP2P (Send, Receive, Split)Day6.250,00 RONDay50.000,00 RON
Month12.500,00 RONMonth50.000,00 RON
Year75.000,00 RONYear500.000,00 RON
Card LimitsCash Withdraw
n/a
Day4.000,00 RON
Month6.000,00 RON
Year65.000,00 RON
Per transaction1.600,00 RON
Transactions/Day10
Transactions/Month24
Transactions/Year120
Payment
n/a
Day16.000,00 RON
Month16.000,00 RON
Year185.000,00 RON
Per transaction16.000,00 RON
Transactions/Day20
Transactions/Month70
Transactions/Year120

 

E-money services are provided by Sureswipe E.M.I. PLC. Sureswipe E.M.I. PLC is a company registered in Cyprus and authorized by the Central Bank of Cyprus as an Electronic Money Institution under the Electronic Money Law of 2012 for the issuance of electronic money, with license number 115.1.3.26. OKTOPAY Ltd (Cyprus) is registered E-Money Distributor of Sureswipe E.M.I. PLC and holds a Class II License for the activity of payment processor in Romania (Decision No.2112/29-09-2020 National Gambling Office Supervisory Committee, Ministry of Public Finance, Government of Romania). OKTO is a trademark of OKTO Group of Companies lawfully licensed to Sureswipe EMI PLC. All rights reserved (c) OKTOPAY 2023. The Oktopay Mastercard is issued by Paynovate SA pursuant to license by Mastercard. Mastercard is a registered trademark and the circles design is a trademark of Mastercard international incorporated. The Oktopay Visa card is issued by Paynovate SA under license from Visa International Incorporated. Paynovate SA is an e-money issuer regulated by the National Bank of Belgium. Paynovate SA is registered with the Banque-Carrefour des Entreprises under number BE0506 763 929. Paynovate SA is a principal member of Visa and Mastercard.

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