Euro Pacific Bank

User Guide

Valid from October 1, 2018.

Getting Started

Personalize your Home screen

The Home screen presents you with a consolidated summary of your accounts, including:

  • Account Balances
  • Daily Exchange Rates
  • Currency Converter

To return to your Home screen, click the at the top of the screen.

To customize your Home screen, click the in the upper right corner of your screen and select Dashboard Personalization.

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Send us a Secure Message

You can securely communicate with the Bank through the Messages function. Find Messages by clicking the in the upper right corner of your screen.

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Messages are divided into Inbox, Outbox, and New Message sections.

Nickname your Accounts

To create nicknames for your accounts, click the in the upper right corner of your screen and select Account Personalization.

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You can also define the order in which your accounts are listed throughout eBanking using the Priority column.

Manage your Favourites

You can maintain quick access to your favorite functions using the Favourites Links section.

To choose your Favourites, click the in the upper right corner of your screen and select Manage Favourites.

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Security

Enable Two-Factor Authentication (2FA)

Logging into your eBanking and authenticating transactions requires a one-time code, also known as Two-Factor Authentication (2FA). We provide two types of 2FA:

  • SMS Verification
  • Mobile OTP (mOTP)

SMS Verification is enabled by default, and required when you log into eBanking for the first time. mOTP will be available at a later date.

Manage your Devices

You can manage all the devices authorized to log into your eBanking. Click Manage Device in the icon to view your devices.

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Your devices are separated into two types:

  • Saved Devices
  • Blocked Devices

Whenever you log into eBanking from a non-Saved Device, you are presented with the option to save it. If you save the device, it will be listed under Saved Devices, which are whitelisted devices known to you and used routinely to log into eBanking.

Each time you login from an unknown device, you will be notified via email and/or SMS and are presented with the option to block that device. These devices will be listed under Blocked Devices.

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Customize your Alerts

You can manage which actions in eBanking you will receive email and SMS Alerts for. Some Alerts may be set by the Bank administrator as mandatory, and therefore cannot be modified or disabled.

Manage your alerts by clicking the and selecting Manage Alerts.

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Change your Password

You can change the password used to log into eBanking. For your security, the password must meet all of the following criteria:

  • Must be at least 10 characters long.
  • Must contain at least one number (0-9).
  • Must contain at least one upper case letter (A-Z).
  • Must contain at least one lower case letter (a-z).

Change your password by clicking the and selecting Change Password.

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Account Information

View your Accounts

The Accounts Overview lists all of your accounts, balances, and possible actions. It is separated by account type, composed of:

  • Current Accounts
  • Brokerage Accounts
  • Card Accounts

The Accounts Overview can be found in the Accounts menu.

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Clicking the icon next to each account displays several available actions, which vary based on the account type.

Actions available for Currency Accounts:

  • Make a Transfer
  • View Transaction History
  • View Account Details
  • View Electronic Statements

Actions available for Brokerage Accounts:

  • Transfer Out
  • Transfer In
  • View Account Details
  • Open Trading Platform
  • View External Positions

Actions available for Bank Cards:

  • Top-up Card
  • Block/Unblock Card
  • Report Lost or Stolen Card
  • New PIN Request
  • View Transaction History
  • Card Account Details

View your Transaction History

The Transaction History screen presents a list of all transactions made per account.

It can be found in History in the Accounts menu.

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Define your search criteria and then click to retrieve your transaction data.

View your Transaction Status

The Online Transaction Status screen presents all transactions and activities, whether Pending or Completed.

Define your search criteria by account(s) and period. More advanced filtering options are available by clicking Filter Options.

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Electronic Statements

View and download your official account statements by clicking E-statements in the Accounts menu.

Define your search criteria by account and period, and click .

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Transfers

How to receive an International Transfer (SWIFT)

Please use these standard incoming wiring instructions. We recommend you bookmark and reference the link, as opposed to saving it as a PDF, to ensure you have the most up-to-date instructions.

Once the funds arrive in your Euro Pacific Bank account, you may be asked to fulfill standard due diligence requirements, in compliance with international regulations.

Important

How to send an International Transfer (SWIFT)

Send an international SWIFT transfer by clicking International in the Transfer menu.

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A list of Saved Beneficiaries is presented. If you are transferring to a Saved Beneficiary, please proceed to the next empty field.

If you are transferring to a new destination, select New Beneficiary.

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You will be asked to complete the rest of these fields:

  • Beneficiary Name
  • Account Number/IBAN
  • BIC/SWIFT
  • Amount
  • Currency
  • Transaction Date
  • Transaction Description
  • Charges to be paid (OUR, SHA, BEN)
  • Reason for Transfer
  • Supporting Documentation
  • Recurring

Transfer between your Own Accounts

Transfer between your own accounts by clicking Between Own Accounts in the Transfer menu.

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Tip

This transfer method includes transferring to/from your Brokerage Account. We no longer require you to submit a secure message to transfer into or out of your Brokerage Account.

You will be required to input:

  • The currency of the transfer, displayed next to the Amount field.
  • The Transaction Date. The current date is set by default. A future date can be set up to 90 days after the current date.
  • You have the option of setting up your transfer as Recurring. If enabled, additional fields are loaded for your input.

Click Submit to request the transaction. You can check the status of your transaction in the Online Transaction Status under the Activities menu.

Note: Transferring funds between two Current Accounts denominated in different currencies is effectively a “currency conversion”, as previously known.

Transfer to Other User at Euro Pacific Bank

Transfer funds to another user’s Euro Pacific Bank account by clicking Euro Pacific Accounts in the Transfer menu.

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A list of Saved Beneficiaries is presented. If you are transferring to a Saved Beneficiary, please proceed to the next empty field.

If you are transferring to a new destination, select New Beneficiary.

You will be asked to complete the rest of these fields:

  • Beneficiary Name
  • Beneficiary’s Euro Pacific Bank account number
  • Amount
  • Transaction Date
  • Description
  • Reason for Transfer
  • Supporting Documentation

Create a Recurring Transaction

Create new recurring transactions, view a list of existing ones, and amend them from the Recurring Transactions screen in the Transfers menu.

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The Recurring Transactions Maintenance page presents you with a list of your Recurring Transactions and the option to create, update, or cancel them.

Only active Recurring Transactions are displayed. Expired records are not displayed.

Create and maintain a Beneficiary template

When transferring funds to a third party, eBanking allows you to save and maintain the Beneficiary information for future payments. Beneficiaries can be created in advance or when the transfer is requested.

When the third party transfer is requested, you’ll be able to select the Beneficiary from a list of Saved Beneficiaries.

View the Beneficiaries screen by clicking Beneficiaries in the Transfer menu.

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Note: Wire transfer Beneficiaries was previously known as a “Saved Wire Template”.

Bank Card

Order a Bank Card

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View our full Bank Card fees and conditions here.

In the Apply For menu on the right side of your screen, click New Card Request and complete the form.

The Courier Shipping is optional, but encouraged if you would like faster shipping, do not have reliable local post, and/or require a tracking number. Couriered bank cards will be delivered within 2-3 weeks.

Bank Cards delivered via Regular Mail does not provide tracking, therefore we cannot provide an estimated delivery time. Regular Mail ships from the UK.

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Note: For individual accounts, the name imprinted on your card will be your first and last name. For corporate accounts, the names imprinted on your card will be the company name, first name, and last name. The address listed on your bank profile will be your Shipping Address.

Activate your Bank Card

Find your Bank Card in the Accounts Overview in the Accounts menu.

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Clicking the icon next to your Bank Card displays Activate Card, which requires you to input your card details for validation.

Request your PIN

Note: Your Bank Card must be activated to request a PIN.

Find your Bank Card in the Accounts Overview in the Accounts menu.

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Clicking the icon next to your Bank Card displays New PIN Request.

Load your Bank Card

Load your Bank Card by clicking Card Top Up in the Transfer menu. Funding occurs immediately, ready for use.

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Block/Unblock your Bank Card

Find your Bank Card in the Accounts Overview in the Accounts menu.

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Clicking the icon next to your Bank Card displays Block Card, which requires you to input your card details for validation.

Report your Bank Card Lost or Stolen

Find your Bank Card in the Accounts Overview in the Accounts menu.

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Clicking the icon next to your Bank Card displays Report Lost or Stolen Card, which requires you to input your card details and reason for validation.

Once the request is submitted, your Bank Card will be set to Inactive status so that further transactions will be blocked.

Trading & Investing

Open a Brokerage Account

Global TradeStation (GTS) is Euro Pacific Bank’s multi-asset trading platform that provides you access to stocks on 20+ exchanges, stock options, futures, ETFs, CFDs, FX, and FX options.

Tips

For commissions, see Trading Conditions. For more advanced traders, see Global TradeStation Pro.

Before you activate

Do you need Sub-Accounts in other currencies?

If you trade on foreign stock exchanges, you may want additional currency Sub-Accounts for buying those securities in their local currencies, like so:

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Example: I trade stocks on the NYSE, TSX, AMS, and LSE and want to view my portfolio in USD. I request one USD Main Account, one CAD Sub-Account, one EUR Sub-Account, and one GBP Sub-Account.

There are two reasons for opening additional currency Sub-Accounts for foreign securities:

1. You would like the net proceeds of each sale to remain in that local currency, in order to reinvest in future securities in that foreign securities’ local currency, or to simply hold onto that currency.

2. You would like the dividends or interest to be paid and remain in that local currency.

For example:

If I buy CAD-denominated stocks on the Toronto Stock Exchange using my USD currency account, GTS will automatically convert the USD into CAD to buy the stocks (with a conversion cost), and when I sell GTS will automatically convert the CAD proceeds into USD, the original currency to purchase the stocks (with another conversion cost). If I prefer to maintain my CAD, I can buy the stocks using the available CAD in my CAD Sub-Account instead.

This also prevents a conversion cost during the sale.

Learn more about Sub-Accounts here.

Choose your Main Account currency

If you requested additional Sub-Accounts in other currencies, please state which account will be your Main Account. The Main Account determines the currency in which your entire portfolio will be denominated in on your Account Summary screen.

Request for brokerage account activation

Complete the application form

In the Apply For menu on the right side of your screen, click Open a New Brokerage Account and complete the form.

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Do you trade options or CFDs?

CFD trading and option selling is disabled by default, so if you wish to enable these products please let us know in your request.

Before you trade

Place some test trades

And practice using the free demo for 30 days, although you are welcome to re-register as many times as you’d like. Given that GTS is a self-directed platform, you are responsible for all trading and investment education, while your Private Banker is your resource for navigation and technology-related questions.

Try it Free Today!

Open a demo account instantly.
Get instant access to Forex, CFDs, Stocks and more.

Do you need Real-Time Market Data?

You must Subscribe to individual exchanges before trading. This will incur monthly subscription fees for each exchange. Delayed Market Data (15 minutes delayed) is enabled for all clients by default.

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You can subscribe to real-time data with the Subscription Tool, located under the Account menu on your GTS and GTS Pro trading platforms.

Do you trade US securities?

In order to avoid a $200.00 block, you must specifically request to have trading disabled for all US equities (stocks, bonds and ETFs) and single stock CFDs.

Otherwise, $200.00 will be blocked from your available balance in order to cover our US Sourced Income Reporting costs. If you do not earn US-sourced interest or dividends by the end of the calendar year, we will hold the $200.00 block for the next year. Upon eventual closure of your brokerage account, we will refund the $200.00 if you did not earn any US-sourced interest or dividends.

Select correct Sub-Account on your Order Ticket

If you have Sub-Accounts, always select the correct currency account from your Order Ticket’s drop-down menu when you are trading.

If you do not have enough funds in that Sub-Account, you can manually request a Brokerage Account Currency Conversion.

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Example: You are buying a stock on the LSE from your GBP Sub-Account, not your USD Main Account.

Request a currency conversion inside your Brokerage Account

Converting funds between currency sub-accounts inside your Global TradeStation (GTS) brokerage platform is processed manually at this time.

Submit a conversion request by sending an eBanking Secure Message stating your brokerage account number and how much you’d like to convert, and our Operations team will process the conversion during bank business hours.

Purchase gold and silver for storage

offshore gold storage
Euro Pacific Bank is an approved dealer of the Perth Mint in Australia.

The Precious Metals Storage Account is composed of Euro Pacific Bank’s government guaranteed, physical gold and silver accounts, giving you the security of physical precious metals while providing the convenience and access of a private bank.

Easily convert cash in your bank account into physical gold and/or silver following the steps below.

1. In the Trading menu, click Buy/Sell and Precious Metals Trading.

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2. Select the type of metal you would like to own (XAU or XAG) and enter the weight or cash amount.

3. You will receive a confirmation of your purchase and your precious metals holdings will be immediately visible in your Accounts Overview.

At any time, you may liquidate a portion or all of your precious metals holdings using the same process outlined above, and your cash proceeds will be deposited back into your bank account immediately.

Purchase a mutual fund

In the Trading menu, click Buy/Sell and Mutual Funds Trading.

We offer four unique, professionally-managed Mutual Funds. To discuss if mutual funds are suitable for diversifying, protecting, and growing your wealth, contact us to schedule a call with one of our Sales & Trading associates.

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Service Requests

Change your address

In the Apply For menu on the right side of your screen, click Request for change of address and complete the form.

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We will attempt Electronic Verification of your address. If we are unable to complete Electronic Verification, please provide a Certified Proof of Address.

How to close your Account

In the Apply For menu on the right side of your screen, click Account Closure Request and complete the form.

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Add a new Account Signatory

In the Apply For menu on the right side of your screen, click Add a Signatory and complete the form.

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Open additional Current Accounts

You can open additional Current Accounts in various currencies. In the Apply For menu on the right side of your screen, click Open a New Account and complete the form.

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How to close your Account

In the Apply For menu on the right side of your screen, click Account Closure Request and complete the form.

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Add a new Account Signatory

In the Apply For menu on the right side of your screen, click Add a Signatory and complete the form.

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Remove an Account Signatory

In the Apply For menu on the right side of your screen, click Remove a Signatory and complete the form.

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