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Frequently Asked Questions

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Funding/Withdrawal

What is the monetary and fund flow or process like?

How do I fund my account?

Please refer to our client service guide respective to your country of residence for complete instructions on funding.

Singapore

HongKong

India

Worldwide

What is the minimum amount that I can start with?

There is NO prescribed minimum investment amount. We would recommend Retail Investors to begin their wealth management journey with USD 5,000/-.

I have transferred funds for investment. When will it reflect in my account with Kristal.AI?

Your funds, post remittance to our Trustee Bank Account (with DBS, Singapore) shall be reflected in your investment account with within the next 24-48 hours.

Once the amount is credited into your account we shall intimate you via in app notifications. However, you can also track the progress of your transfer via your Kristal. AI application.

If you still have any unresolved concerns please write to us at support@kristal.ai and do mention your Cash Transfer Request ID when you do; we shall be happy to help.

I forgot to include the Fund Request ID in the comments section; Will the bank transfer still go through or are there any other steps I needs to take?

Including the Funds Transfer ID (you would/should create within Kristal.AI) allows us to track your inward efficiently. We also match inwards basis account name, but that could take some time. The missing Funds Transfer ID should not result in a failed transfer but may result in a delay in the funds being applied to your Account.

Please email us on support@kristal.ai and provide your Funds Transfer ID and Bank Transfer details. This will help us in tracking your transfer.

I have transferred USD 1000 from my Bank Account. Why is my Available Cash less than USD 1000 in my account with Kristal.AI?

In any international funds transfer there are a few financial services providers and banks involved. The flow of funds can be simplified as follows:

Sender Bank > Sender Bank Intermediary/Correspondent > Receiver Bank Intermediary / Correspondent > Receiving Bank

Money Sent (USD 1,000) – Money Recd (~USD 970) = Total Fee (~USD 30)

DBS, Singapore (Development Bank of Singapore, Singapore branch) is the Trustee Bank used by Kristal to facilitate Customer deposits and withdrawals i.e. Receiving Bank. We have agreed on a fee of maximum SGD 10 (~USD 8) for all inwards and they do not charge anything more than that.

The balance (~USD 22) is retained by Sender Bank and/or Sender Bank Intermediary.

We recommended you instruct your bank to apply all charges to your own account, as this would provide visibility of the Sender Bank and Sender Bank Intermediary charges. Failure to do so, may result in you seeing only a portion of the ~USD 22 in your account statement and leave you wondering, “Where did the rest go?”

Which currencies can I send to fund my account with Kristal.AI?

You can add funds to your Accounts with Kristal.AI in multiple currencies as follows:

  • Singapore residents (SGD, USD, HKD, AUD, EUR, GBP)
  • Hong Kong residents (HKD, USD, SGD, AUD, EUR, GBP)
  • India residents (USD)
  • Others (USD, AUD, EUR, GBP, SGD, HKD)

Please remember to provide your Kristal ID, Kristal account number or Funds Request ID in the notes to ensure quick processing.

How can I withdraw funds from my account with Kristal.AI?

You can make a withdrawal from your account with Kristal AI by following the instructions below:

  1. If you have multiple accounts then, in the ‘Portfolio’ Section and click on ‘Consolidated’
  2. Chose the respective Kristal account from the drop down menu from which you would like to make a withdrawal
  3. Click on the ‘WITHDRAW’ button visible on your dashboard
  4. Enter the bank account details to which you wish to credit the funds.
  5. Upload the necessary documents to facilitate us in validating the account. Please note that once a bank account is chosen all future withdrawals will be credited to the same account.
  6. Click on ‘Add bank account’ to successfully add the bank account.
  7. You will be displayed with the screen where you can enter the ‘reason’ for withdrawal along with the ‘amount’ you wish to withdraw in USD.
  8. Click on ‘WITHDRAW’

Please Note:

  • The amount though entered in USD, will be credited to your account in the respective local currency. Standard conversion charges may be applicable.
  • If you wish to withdraw funds in USD, please write to us at cashmanagement@kristal.ai . Bank charges may be as applicable.
  • It will take 1-2 business days to process your request, post which you shall be intimidated with the confirmation with an email.

How much time does it take for funds to reach my Bank after a withdrawal request is made?

Once you have sent your withdrawal request, you will receive the funds in your bank account in upto 4 days depending upon the Withdrawal Currency chosen and your bank processing time.

We shall process the request on the same day or the next day (if the request is received after usual bank working hours).

Can I transfer my assets in Kristal.AI to another broker/custodian?

Customers having a Managed Investment Account, can transfer the assets held in such account to a different another Broker/Custody account, subject to the process defined by the Managed Investment Account provider.

Customers with other types of Accounts with Kristal.AI are currently unable to transfer assets and will have to sell the asset and then transfer funds.

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Accredited Investor Declaration

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial Institutions, large corporates, high net worth individuals and sophisticated investors.

An Accredited Investor is an individual
  • Whose net personal assets exceed in value SGD 2 million (or it’s equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or
  • Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it’s equivalent in a foreign currency), or
  • Whose income in the preceding 12 months is not less than SGD 300,000 (or it’s equivalent in a foreign currency)

I agree to opt-in as Accredited Investor and will submit required documentation to confirm the same.

< Back Proceed as Private Wealth

Wealth Management Solutions
Accredited Investor Declaration

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial Institutions, large corporates, high net worth individuals and sophisticated investors.

An Accredited Investor is an individual
  • Whose net personal assets exceed in value SGD 2 million (or it’s equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or
  • Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it’s equivalent in a foreign currency), or
  • Whose income in the preceding 12 months is not less than SGD 300,000 (or it’s equivalent in a foreign currency)

I agree to opt-in as Accredited Investor and will submit required documentation to confirm the same.

Proceed as Private Wealth

THEMATIC STRATEGIES

Enabling clients to invest in trending themes like FAMANGThe FAMANG Kristal invests in Facebook, Apple, Amazon, Netflix and Alphabet’s Google stocks. Assets are carefully chosen by an algorithm in order to deliver a superior returns based on past performance. The strategy is rebalanced every quarter., TECHGlobal Technology ETFs is a genetic algorithmic strategy focussed specifically on the Technology sector., ESGProvides exposure to higher rated environmental, social, and governance (ESG) companies while accessing large- and mid-cap stocks in Europe, Australia, Asia and the Far East., etc. with a single click or just create your own thematic basket.

Future-proof your portfolio and capture emerging investment themes.

OVERVIEW

Explore and Identify

Select from a range of expertly designed trending and diverse themes

Efficient Execution

Enabling easy exposure to your preferred themes without the hassle and costs of individual security selection and execution

Only the Best

A ready-made collection of Kristals that derive the best of the specific asset class or theme

Unique Mix

An optimised blend of ETFs and individual counters, enhancing efficiency and profitability

Contact our Relationship Manager
ALTERNATIVE INVESTMENTS

Diversify your portfolio with exclusive Private Equity, Pre-IPO deals, VC Funds & other investments like Bitcoin, Gold, Hedge Funds and many more.

Kristal fractionalizes difficult-to-access deals and opportunities.

OVERVIEW

Instant Access

A wide range of alternative asset classes such as Gold, Bitcoins, Hedge Funds and many more; readily made available

Risk Management

Enables investments in diversified assets hence spreading the risk

Easy Tracking

Enables you to get a consolidated view of investments in all assets at one place, hence facilitating easy monitoring and tracking

Exclusive Deals

Access to exclusive Venture Capitalist, Startup as well as pre-IPO investment opportunities

Low Investment Tickets

Facilitates fractionalization of investments in deals

Contact our Relationship Manager
FUNDS PLATFORM

Professionally managed funds with active investment strategies, screened for you by our investment committee to diversify your portfolio.

Enabling clients to access exclusive investment strategies. View Funds

OVERVIEW

Access

Provides Access to Professional Fund Managers

Low Investment Tickets

Facilitates fractionalization of investments in funds

Diversity

A wide spectrum of investment strategies ranging from Arbitrage to Credit to Hedge Funds and many more

Fees

No additional costs are charged by Kristal.AI

Exceptional Performance

Funds with an impressive track record and potential for high profitability

Leverage

Benefits from insights of the expert selection and advisory team

Easy Management

No time consuming management of portfolios

Contact our Relationship Manager
TAILOR-MADE PRODUCTS

Customize products based on your market outlook and specific needs across equities, bonds, gold and more.

For investors looking to enhance portfolio yield based on market views.

OVERVIEW

Enhanced Earnings

Structures with potential to enhance portfolio yield based on market movements

Customization

Product features can be designed to articulate investor views

Fees

A flat and transparent fee structure like nowhere else

One-Click Access

A single feature ‘Ideas’ enables you to access recently launched and trending market opportunities

Contact our Relationship Manager
BUILD YOUR OWN KRISTAL

Can’t find what you are looking for? Create your own exclusive investment strategy with risk management & periodic reporting.

For seasoned investors who prefer to design their own portfolio.

OVERVIEW

Empowered Investing

Enables clients to create their own custom portfolio based on their unique needs

Unlimited Choice

Access to all possible exchange traded assets

Flexible Management

Flexibility in delegating the portfolio management role to us or actively taking up the day to day investment decisions, in your custom Kristal

Custom Fee Structure

A simple, transparent and a customized fee structure

Access to Expertise

Custom performance reporting as well as advisory support

Contact our Relationship Manager