Comfortable amounts for EMIs

[drakeo]

I have multiple EMIs in with semi-real infos: legit ID but with different full name. As well as EMIs and crypto exchanges with real infos.
I'm wondering how much I can transfer to these different be on the safe side. I'm managing a fairly big crypto wallet (I cannot provide SOF). For now all I want is pocket money to spend on regular goods.
My idea being small amounts via unverified or verified Paxful or legit exchange to (for instance) Revolut or Wise. I will then pay for goods online and in person with Apple Pay with VCCs from the aforementioned apps.

Of course there is no definitive answer for this but still: What amounts would you'd be comfortable with transferring to these accounts that I have?
Sure I can do "I sold my PC or iPhone etc" but of course that wont work for any big amounts. Estimating 2k a month MAX would be feasible with that explanation.

Secondly I'm thinking of getting stealth EMI accs but then I feel like I'd probably need a drop address, maybe avoid in store via Apple Pay etc.
Appreciate any thoughts, tips or recommendations for stealth/nominee accounts etc.

 

[bigdaddyleon]

you would have to warm up the account first, get smaller‍ amounts transferred & that can increase accordingly later.
one dark of mine, I had started⁠ with about 800-1000 euros (per month) and am now at 3-4k
no questions / problems⁤ to date.

Apple Pay would be the easist method

 

[Forester]

Quite generally, IMO nothing over 4 figures (or maybe over 5k) will slip under the‌ radar. But it will heavily depend on a particular EMI; especially Revolut (it's a bank‍ now!) and Wise I do not consider to be a safe bet.

 

[Mssquirrel]

I had been using Revolut and wise doing always under 5 k transfers⁠ and both are ok. I would avoid over 5 figures in one transfer tho.

 

[Deepbarrels]

The only issue that I see could be the receiving bank asking a proof of‌ SOF. To be safe, put all real infos in wise and make sure your IDs‍ are 100% legit. Stay under 5 figures. Let us know if you find a better⁠ alternative...

 

[Mike Forman]

As most mentioned, warm up the account for thee months and no transfers over 9k‌ usd if you have solid backup proof (purchase /sales invoice and contract) or if you‍ want to play safe couple 2k usd in a month

After a two - three⁠ months you transfer to amounts of 100k usd if again you have solid backup ready⁤ such as sales/purchase invoice, contract and explanation. Services of large amounts will be probably more⁣ suspicious and we never transfer 10k at a time for services.

Although you want to⁢ avoid them asking proof of some transactions or business it is better to have had︀ to backup at least twice a transaction and got approval. It seems after that they︁ leave you alone.

Gradually build it up and don't exceed 10k usd I would say︂ until you had a verification of a transaction, after three months transfer larger amounts and︃ after 6 months and at least two verifications transfer up to 200-300k usd (which I︄ personally don't recommend over EMI but sometimes you have no choice and we don't experience︅ issues).

If you don't want any verification better to stay probably below 5k usd transactions︆ a month and definitely below 10k usd as this amount is usually reportable.

 

[jafo]

#Bingo! I am going to bookmark this comment as‍ I just experienced this about 2 months ago and after investigating, I have enough evidence⁠ to say this has happened 100% in this particular case. I still have many questions,⁤ but I will pose them on the forum as I think it's important knowledge to⁣ share.