Banki Points

10 tiers, real perks, lifetime points.

Earn 1 point per $10 in completed BankiPay transfers (× tier multiplier). Climb VIP1 to VVIP. Lower fees, Priority Pass, concierge at the top.

See all VIP tiers Open account

What you get

10-tier VIP ladder

VIP1 (0 pts) → VIP9 → VVIP (1M pts). Each tier has its own multiplier (1× → 5×), fee discounts, and services.

Earn multiplier

Tier multiplier stacks on the base 0.1 pts/$1 earn rate. VVIP earns 5× the points of VIP1.

Lower fees

Transfer, topup, and FX fees all drop as you climb. VVIP pays 0.5% on FX + $0 on transfers (vs. 0.25% base).

11+ redemption categories

Cash, gift cards, dining, hotels, wellness, events, transport, travel, charity, lucky draw, statement credit.

Priority Pass (VIP6+)

VIP6: 2 airport lounge visits/year. VVIP: unlimited + guest passes. Built into your card.

Concierge (VIP4+)

Tier 1: 24/5 chat. VVIP: 24/7 dedicated concierge + travel desk + event booking.

In practice

Personal · Sara · climbing from VIP1 to VIP4

Sara hit 5,000 lifetime points last month. Banki auto-promoted her to VIP4. Her transfer fee dropped from 0.25% to 0.21% (15% off), her FX from 1.2% to 1.0%, and she now has 24/7 chat support.

5,000 pts

VIP4 threshold

At a glance

VIP tiers

5×

Top multiplier

11+

Redemption cats

0.5%

VVIP FX rate