Perfect Money Banking

Perfect Money is a Hong Kong based company that allows online users to make payments and money transfers in a secure fashion. It’s also a platform where members can give and apply for loans, buy commodities and exchange currency to make profit. They aim to offer the lowest fees on the market and have been in business since 2007. Here’s a summary of Perfect Money’s products and services. T&C's apply to all bonus offers on this site. Must be 18+. Click for a list of all banking methods.


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Perfect Money

How It Works?

Perfect Money is more than just an e-wallet. First, one has to open an account by signing up on the official site, be it for personal use or business related. They encourage everyone to verify their account afterwards, which can then be used to transfer funds between Perfect Money accounts, receive online payments, set up recurring payments or even earn monthly interest of up to 4% simply by storing your funds in your account.

Perfect Money can also be used to make regular online payments, at certified merchants. Before doing so, members can top-up their account using one of the many options. This includes bank wire (300 USD or equivalent in other currency), e-currency transfers, the Exchange Partners service, e-Voucher and Bitcoin.

The account can also be used to buy Bitcoin, commodities like gold, as well as currency. What’s more, Perfect Money members can also become lenders and borrowers, using a Credit Exchange service. Simply click Get a loan or Give a loan to proceed with the form.

Finally, Perfect Money also offers an e-Voucher service, which can be used as a regular payment method that’s both secure and anonymous, with over 200 certified merchants worldwide.


To provide for peace of mind, the company carries out identity checks and CodeCard protection practices, both of which are linked with the registration email, as well as SMS authentication, which is also optional.

On top of that and antifraud monitoring systems, each Perfect Money member has a Trust Score, which determines their loyalty level and aids the Credit Exchange system.

Perfect Money security precautions aside, users are advised to do their due diligence before signing up due to suspicious rhetoric and jargon that permeates the entire business.


While the company aims to offer the lowest fees on the market, there’s a payment charge that varies between 0.5% and 1.99% of the transfer amount. The same applies to the e-Voucher. For any additional fees, check with each merchant or operator individually.

Other than that, withdrawals to a bank account cost $50, plus 3% of the total amount (no more than $1,000).


Perfect Money is a Hong Kong based payment system that allows members to pay for goods and services online using services like e-wallet and e-Voucher, as well as trade commodities, exchange currencies and become lenders or borrowers using a Credit Exchange program.

Click to visit Perfect Money website.

Posted by CCJ Team