Can I deposit to Maclear from multiple or third-party bank accounts?

03/06/2026

2 min

Yes. You can use multiple bank accounts to deposit funds to Maclear — there is no limit on the number of accounts. The key requirement is that all accounts must be registered under the same name as your Maclear investor account, as required under AML regulations (Maclear General Terms and Conditions, section 3.4). Each account from which you make a deposit is automatically verified and added to your SEPA withdrawal options.

Can I deposit from a bank account registered to someone else?

No. Deposits are only accepted from bank accounts registered in the same name as your Maclear investor account (Maclear General Terms and Conditions, section 3.4). Transfers from accounts under a different name will be rejected and returned to the sender.

Can I deposit from a joint bank account?

Yes. Deposits from joint bank accounts are accepted, but an additional verification step is required for the first transfer. After making the deposit, send the following to support@maclear.ch:

  • Transaction document confirming the transfer

  • Joint bank account statement showing the names of all account holders and the IBAN

Once the support team verifies the details and confirms the transaction, the IBAN will be approved for future deposits — no additional confirmation will be required for subsequent transfers from the same account.

Can I use Wise, Revolut, or a neobank to deposit on Maclear?

Yes. Deposits from Wise, Revolut, and other neobank accounts are accepted on the same terms as regular bank transfers — provided the account is registered under the same name as your Maclear investor account. For a detailed breakdown of neobank-specific considerations, see Article.

Does depositing from a new bank account automatically register it for withdrawals?

Yes. Once a deposit from a new bank account is successfully credited to your Maclear balance, the IBAN is automatically verified and becomes available in your withdrawal options. No manual setup is require

Can a company account deposit from a personal bank account?

No. If you are investing through a Maclear company account, deposits must be made from a corporate bank account registered under the same company name. Transfers from personal bank accounts to a company investor account are not accepted.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.


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How to use SEPA Instant deposits on Maclear: setup, virtual IBAN, and processing time

Maclear SEPA Instant is a deposit method that gives each investor a personal virtual IBAN — a dedicated EUR account permanently linked to their Maclear profile. Transfers sent to this IBAN arrive within minutes of leaving your bank, with no deposit fee. Activate it once in the Deposit / Withdraw section, then reuse the same IBAN for every future deposit.

What to do if you made a Maclear deposit without a reference number

If you sent a SEPA transfer to Maclear without the deposit reference, funds cannot be matched automatically and go through manual processing — typically up to 4 business days. If your deposit still isn't credited after that, download a Transaction Statement (PDF) from your bank and email it to support@maclear.ch so the team can trace the transfer.

How long does a SEPA deposit to Maclear take to appear?

SEPA transfers reach Maclear's banking partner in 1–3 business days, then funds credit to your account the next business morning via an automated crediting cycle. All incoming transfers also go through mandatory AML compliance checks — sanctions screening, name match verification, and source-of-funds review — under Swiss AMLA, PolyReg SRO rules, and FINMA Circular 2016/7.

How to deposit funds on Maclear: payment methods, fees, and processing time

To deposit on Maclear, complete KYC and POA, then send a SEPA transfer to the bank details in your dashboard. Include your personal deposit reference (for example, "Deposit to account No. MC10007") and set the beneficiary to Maclear AG. The minimum is €50, deposits are fee-free, and funds typically arrive within 1–3 business days.