FAQ - Frequently Asked Questions

FAQ - Frequently Asked Questions

How do I invest with APImutual?

HIGH RISK!! Before you start with the investment, please read all of the following instructions step by step.

Step 1
Please read the API Mutual's Product Range, identify your investment needs, make your choice and confirm the amount of investment units you would like to have.

Step 2
Proceed with FREE Registration to create an account with API Mutual. API Mutual Customer Service Department will confirm your Registration via e-mail. Referrer is required during registration. If you are not referred by anybody, the randomizer system will provide with a referrer ID for you to register independently.

Step 3
Kindly do your deposit or internet banking telegraphic online transfer into API Mutual's company bank account as mentioned below. Please Make sure that the amount deposited is tallied with the number of units you would like to buy.

Note: You can bank in directly or do Internet Banking telegraph transfer from any bank that provides money wire transfer service. You will also need to make sure that API Mutual receives the exact amount for the units you have ordered. Any service charges incurred during the transfer will be borne by investors. API Mutual's management will credit the API Point into your e-wallet for the amount received only.

IMPORTANT: To make sure the amount is correct, please use the API Mutual's currency converter and deposit the amount as displayed on the screen. Should the company received more than the initial investment amount, the excess will be credited into your e-wallet for withdrawal back to your bank account.

For example :

You buy 3 units = USD300 x 3 units = USD900.00

If you are residing in Canada and would like to bank in using Canadian Dollar from your bank, you need to get the exchange rate of CAD against US Dollar by using the API's Currency Converter before you do your deposit or internet telegraph online transfer.
By using API's Foreign Exchange Converter you will get the result as below (sample):

USD1.00 = CAD1.4376
USD900.00 = CAD1293.84

API Foreign Exchange Rate Converter fluctuates from time to time. All exchange rates have been marked up due to bank charges when we received your money in Hong Kong.

For this scenario, API must receive USD900.00 in our bank account and investors must deposit CAD1,293.84 (not including your bank charges upon depositing the money at your bank. Bank charges imposed by your bank at your place are borne by investors). API Mutual will credit the requested API Point into your e-wallet based on the exact amount received.

Bank account name : Aramco Partnership Inc.
Bank name : Hong Kong & Shanghai Bank (Hong Kong)
Bank account number : 8092 5991 4838
Bank Swift Code : HSBCHKHHHKH
(Please keep the bank in slip for the next action)

We encourage investors to use the Hong Kong and Shanghai Bank when sending OR receiving money in order to minimize bank charges for both parties. API Mutual will not be responsible for the high service charges incurred if you use any other banks instead of HSBC.

Step 4
Please scan your bank in slip OR save your internet telegraph transfer confirmation screen and e-mail it to: support@apimutual.com

Step 5
Log on and click at API Point Order Form. Fill up the online form completely and click “SUBMIT”.

Step 6
Your e-point ordered will be sent into your e-wallet as soon as we have received the payment.

Step 7
Once you have received the API Point into your e-wallet, you may ACTIVATE your investment with us right away after you log into your account.
Account Log In


What about if I don't have a referrer to join?
You need to inform us during filling up the Registration Form online and our randomizer system will provide you with a referrer ID and you may do your registration right away.


Is there any other way to invest with APImutual?

We don't encourage third party to do any transaction in order to avoid illegal transactions and we have never appointed third party to do any transaction. You may seek help from others to do money transfer or registration but the company is not liable for any losses iincurred.


Is there any limit of investment?

Each individual is allowed to have only one investment unit per account but there is no limit as to how many accounts each individual can register. Thus, investors may register as many accounts as they need in order to have multiple investments.


How do we get paid?
All kind of Bonus is paid into your e wallet by early month. API Mutual will announce members' profit sharing on every early of the month and all bonus will be paid into your e-wallet right after we make an announcement.


How do we liquidate the API Point to cash?

You just need to make your withdrawal request from API Mutual to your bank before 3rd day of every month. Should you passed this date, you still have chance to make your withdrawal on the 15th and 21st of month


Any minimum amount for withdrawal request?

Minimum withdrawal request allowed is USD60.00 at any one time.


Is there any charge for bonus withdrawal?

There is no management charges for bonus withdrawal regardless of your bank area or country. The exchange rate will follow the current rate when payment is made by API Mutual. All bank's wire transfer charges are borne by investors.


How long does it takes for the cash to be cleared into our bank account?

All requested withdrawals will be cleared into your bank account anywhere in the world within 5 to 9 days depending on your bank efficiency in processing the money transfer.
Note: Don’t forget to fill up your bank detail accurately including your bank's full address, swift code and bank account number.
REMEMBER! API Mutual encourages investors to use HSBC rather than other banks to avoid high charges for transaction.


Can we make e-wallet transfer among members account?

API Mutual does not encourage members to do e-point internal transfer from one account to another but the system does allows you to do the transfer at anytime if you wish to. API Mutual is not liable or responsible for any losses incurred due to such transactions.


How does the fund being generated?

API Mutual leverage the pool fund and trade at various places including money markets, stock markets, bonds, options etc. The job is done by API Mutual professional traders that have been in the market for years. All bonus payment is paid at the range between 15% to 25% or more depending on the API Mutual's month end profit.


Can we redeem the investment units at anytime?

Each unit purchased is locked and matures after 12 calender month but you may opt to request for early redemption of your units with a different value refunded as scheduled below:




Do we get full monthly return if we invest in the middle of the month?

Each investment unit entry and maturity date is recorded in the system. Should you commenced somewhere in the middle of the month, API Mutual will pay your return based on pro rates calculation.

eg: Should your Investment entry is on 17th June, your monthly return calculation is as below:

Total Investment is USD300
Month of June has got 30 days
30 - 17 = 13 days
Announced Monthly Return for month of June is 20% = USD60

Your Monthly Return is (USD60/30 days) x 13 investment days
=USD26


Is there any fees charged to the investors ?

API Mutual is a genuine fund manager that is diversifying investors' fund in a secured investment thus giving a high return to its investors. We impose USD10.00 Management Fee for each term (12 months) on each unit you buy.
Management Fee will be deducted from your first month profit automatically. You will need to pay the Management Fee again upon renewing your investment term with us.


Does investing with API Mutual is legal for me?
We respect certain country law and internet investment regulations. API Mutual may not accept investors from those countries that prohibit its citizen from involving in e-investment like API Mutual.
API Mutual system will reject any investment that comes from those countries that we have identified and does not encourage our members to breach any country's law and regulations. Investors from those effected countries will not be able to register.


What is API Mutual business hour cut off time?

API Mutual’s business hour cut off period follows Hong Kong Time. Daily transaction is counted from 12:01am and close midnight Hong Kong Time. Any transaction entered into the system after midnight is counted as for the next day business transaction.


Who can help me when I encounter problems?

You may submit your queries to "Contact Us". Your queries will be attended to immediately.