Help centre
Short, direct answers about how your account behaves. If something here does not match what you are seeing, get in touch and we will take a look.
The basics
What the account gives you
Accounts
Signing up and managing details
Transfers
Requests, statuses and balances
Security
Sign-in, privacy and protection
The basics
What does a Bayprime account give me?
A current account with a clear balance, six months of categorised history, instant transfers and withdrawals to any bank, and a spending breakdown that updates as you go — all on one screen.
What does it cost?
There is no monthly account fee and no charge to send a transfer. Any fee that ever applied would be shown on the transfer summary before you confirm, never after.
Can I use it on my phone?
Yes. The whole interface is responsive — the dashboard, transfer flow, transaction table and admin console all adapt from a 360px phone up to a wide desktop display.
Accounts
How long does it take to open an account?
About a minute. You choose a name, an email and a password, and your account is ready with a balance and a starter transaction immediately.
Can I have more than one account?
Yes. Alongside your primary current account you can hold a savings account, and both appear on the dashboard with their own balances.
How do I update my details?
Open Settings from the sidebar or the account menu. You can change your name and phone number there; your email address is fixed to the one you signed up with.
Transfers
How long does a transfer take?
It settles immediately. Once you confirm on the review screen the money leaves your account, the receipt is issued with a reference, and the transaction appears in your history straight away.
When does my balance actually change?
The moment you confirm a transfer. The amount and the service fee are both debited together, and the running balance recorded against each line reflects the account immediately after it settled.
Can I cancel a transfer after sending it?
No. Transfers and withdrawals both settle instantly, so there is no pending window to cancel within. That is why the review screen asks you to check the recipient and the amount before you confirm.
Security
How is my sign-in protected?
Authentication uses email and password, sessions are held in secure server-side cookies, and every database table is protected by row level security so one customer can never read another’s records.
Can anyone change my balance without me knowing?
No. Balance corrections can only be made through an audited action that records who made it, the previous value, the new value and a written reason — and you receive a notification whenever one happens.
Should I use a unique password?
Always, on any account. Use a password manager if you can, and never reuse a password across services.
About this prototype
Prototype — no real funds. Bayprime Premier Bank is an academic prototype. Balances, transfers and fees are simulated records. It is not a licensed financial institution and is not connected to any payment network.
Still stuck?
Signed-in customers can raise a request from inside the dashboard, where we can already see the account. Everyone else can use the contact page.