Cyber-Bank.cc Review

Another article of me investing on another different HYIP. This next one, Cyber-Bank.cc is the 15th HYIP that I currently invest my money on that are still paying.

The idea is to keep diversifying even though I might want to look for other industries. Like others, they offer about 2% weekly profit and have been delivering profits for almost 6 years at this point.

My current stats at this point is 6 of these programs have reached BEP. Maybe there is one more by the time this article get published.

One of them become scam and the rest are still paying. But of course, this one could become scam by the time this get published. I got some red flags from this one.

So, who is Cyber-Bank.cc? Is Cyber-Bank.cc legit or scam? What are the investment plans? How do we get paid?

Those are probably just a few questions that came to mind after hearing about the program. Well, in this article, I’m going to share with you my Cyber-Bank.cc Review based on my experience and what I can find from the internet.

Hope this helps. Is Cyber-Bank.cc going to be the best investment program out there?

Click or tab on any sections from the table of contents to jump right to that part. Use the red arrow button on the bottom right corner of the screen to head back to the top.

Overview

Website: cyber-bank.cc
Type: High Yield Investment Program (HYIP)
Investment Plan: 2% Weekly for 798 days
Minimum Deposit: $30
Maximum Deposit: none
Referral Commission: 0.1 – 0.5%
Payment Method: Perfect Money
Started Since: 18 October 2015
My Status: PAYING (January 2022)

WARNING – Cyber-Bank.cc is one of the HYIP

High Yield Investment Program (HYIP), is a program where anybody can deposit some money as investment and get a high profit in return after a duration of time. How high the profit can be very relative but still, they are not very sustainable for the long term.

They will be out of business, eventually. Not necessarily because they are scams, but sometimes just a single mistake can cause them to lose a lot of money.

Some consider this as PONZI scheme, where the first investor get paid by the next one. Eventually the last member won’t get paid at all.

IF YOU ARE NOT SURE ABOUT THIS PROGRAM JUST CLOSE THIS PAGE OR SKIP TO THE BOTTOM TO LEARN ABOUT ALTERNATIVE WAY TO MAKE MONEY ONLINE.

Why are people still using this kind of program?

For one thing, there are still some legit programs, even though they will be out of business sooner or later. People can still make money out of them.

Another thing is that people sometimes just want some extra income right away. They can no longer afford time and energy to work and build a business in a legit way. Some even already work for two jobs.

Investing some money is their only way. Hopefully to get something in return.

Why do I still use this kind of program?

Some people would say that this is not a legit way to make money online, let alone as a business for passive income. It is a scam and we will lose the money.

I tend to agree and in general will not recommend anybody to use.

But the legit way to make money online and turn them into a business requires time and hard work even money to start that not everybody can afford. What I’m doing here on this website is exactly one of those legit way. We build website like this and fill them with helpful information, get traffic and monetize.

You can learn more about it below. There are other way to make money online that I share here on this website.

I’m here just to share my experience, observation and point of view regarding this program. To help people make decision on whether they should spend their money with this program or not.

So you can just read about my story with them. No need to follow me invest some money or even join the program because I’m not recommending this in general. Do it at your own risk.

And it is all for the sake of making money online in a legit way.

Some tips for using HYIP service

If you are still willing to give this kind of program to try, there are some tips that we can use in general for every HYIP.

First of all, consider this program not as investment but more like gambling. Which means, just think that the chances are we are going to lose the money.

Use only the money we can afford to lose. Not the money you need to pay rent or school or food. Maybe money for cigarettes, or vacation.

Do not to think about making money or even huge profit, consider it just a bonus if we get. And if we do get some profit, try to save it for another program if you want. Think about investing as a whole not just per program.

Get our investment back as soon as we can. Do not try to compound or reinvest before that. Once we get our initial investment back, we can reinvest as we please.

Do our own due diligence. Research first, read from monitor, forum, or other people’s blog or website. Try to understand which user is actually give some time to invest. Anybody can say anything on the internet, even those who doesn’t have anything to do with it.

Test first, by try using every feature from the platform. Send tickets to support, ask them anything. Make sure we understand the rule and terms, how to deposit, or withdraw.

Choose the very low minimum investment plans so we are not going to lose money that much. There are a lot of ways to earn money online for free that I share here. Maybe just a few cents but we can try investment program with very low minimum deposit.

It is very easy to be tempted to reinvest our money once we know that the program is legit or just because we get our first payment. We think that the program will keep paying.

Remember that one of the reason for them to stop paying is because they lose the money, or make a mistake. Not just because they are scam from the beginning.

We have to control ourselves, set rules that we follow.

If you have set up your mind and still want to give this a try, keep reading. If you are not ready just skip to the very end of this post.

About Cyber-Bank.cc

Just by looking at their homepage, we can easily tell that this uses the same script from Gold Coders. We can check GoldCoders.com and there will be license checker.

Cyber-Bank.cc is indeed licensed. If I understand correctly, they need to pay like $166 for the script.

Typical like other similar programs, we can just ignore other part of the pages because most of them don’t even bother to update any page from this script. I think the same goes with Cyber-Bank.cc for the most part.

This is the only thing we can find as the company profile from their page.

Cyber Bank is a long term investment program, backed up by cryptocurrency market trading, Forex and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.

Cyber Bank is intended for people willing to achieve their financial freedom but unable to do so because they’re not financial experts.

Not that it is going to make them a legit one. Some people might be concerned without any clear info and this is not a kind of program for them.

According to HYIP.biz, this site has the same IP address as 1 other HYIP which is BestFromTheBets.com. However, it does share the same network with a couple more which some of them are programs that I have tried.

It means, there is a possibility that the owner of these programs are the same. If one goes down because the owner decided to stop offering their service, they other may follow shortly. I guess we should look for other programs if we really want to diversify.

We can use this link to create account with Cyber-Bank.cc. I recommend to use a valid email address and Perfect Money account. We also need to have Perfect Money account right away and it will be difficult to change them later.

We can use this link to create account with Perfect Money.

Investment Plan

Investment is the main and only feature on Cyber-Bank.cc. Anybody can make a deposit, some amount of money and after a period of lock in time, they will get profit.

Depending on the program, we can get the profit payment, daily, weekly, bi-weekly or even monthly or just one time at the end of term. For the daily, usually either based on calendar days or just weekdays.

Some can even offer hourly payment. We can make a deposit and an hour after that, we will get our first payment of profit.

The lock in period or duration of the investment term can also vary. Some can offer a day, some weeks or even years before we can get the principal back.

Regarding the payment, a program can pay the profit first and return the principal at the end of investment term. Some may pay differently like each payment includes both the profit and parts of the deposit.

For the latter, the offered interest rate seems like higher than the former. This probably will matter if we try to consider how soon we can reach the BEP and start making pure profit.

As for the interest rate, usually from any HYIP, we will get a constant rate. So, the profit is not going to fluctuate depending on the program’s performance.

Some HYIP can offer just one investment plan or several different ones. In the case of Cyber-Bank.cc, they actually offer one plan.

2% Weekly for 798 Days

The minimum is currently $30 with no maximum. What it means is, after we make a deposit, a week later, we will get our first profit which is 2%.

If we deposit the minimum, every week we will get $0.6 in our account. When they say 798 days, it means in calendar days or more than 2 years.

That means we will get 114 weeks or 114 weekly profit payment. By the end of the investment, we will earn a total of $68.4 profit or 228% from a $30 investment.

They will also return that $30 principal at the end of the term. So, the 2% weekly is pure profit.

For daily rate, it is about 0.286% profit. With that interest rate, we will reach the BEP or 100% return after 50 weeks or within almost a year.

That is the only plan on Cyber-Bank.cc. There is also no compounding feature.

Comparisons to Other Investment Programs

If we are not familiar with the world of investing, specifically HYIP or online program, it is probably hard to understand the number described above. Are they a good interest rate or is it really too high or even a sign for scammers?

One way to find out is by making comparison to other similar programs. This might not be the best or the perfect way to do it but at least this can give us some perspective.

So, is the 2% weekly from Cyber-Bank.cc a good and reasonable interest rate? Here are some comparisons.

CityBuildTrade.com, one of the longest paying HYIP at this time, has been paying for over 5 years, is offering only one plan with 0.28% daily calendar days or 2% weekly. Compared to that, Cyber-Bank.cc offers about the same weekly rate and with way longer period.

SolidTradeBank.com, also one of the longest paying HYIP at this time, 5 years old as well, is offering 0.14% daily calendar days interest rate as the lowest plan or 0.28% for the higher one. We can actually say that SolidTradeBank.com offers the same or lower than CityBuildTrade.com. That means, the highest plan is also the same as the lowest plan from Cyber-Bank.cc.

Trust-FX.com, offers 2% weekly profit for 10 weeks which is the same as CityBuildTrade.com but with longer terms. That means their interest rate is also about the same as Cyber-Bank.cc but with shorter period.

Crypto7.com, offers like 0.3% daily profit for 555 business days. Or we can say it is about 0.21% calendar day profit. This is lower than the most similar programs that I have tried. So, the interest rate is lower than Cyber-Bank.cc but with shorter term.

SafetyDepositary.net, also offers like 0.2% daily profit but for 555 business days. For a week that is just about half the weekly rate from Cyber-Bank.cc and still take shorter time to complete.

TopTradeCapital.com, also offers 2% weekly payment but only for 364 calendar days. The rate from this is the same as Cyber-Bank.cc but less than half of the investment period.

7-Lion.com, also offers 2% weekly but in bi-weekly payment and also with very long term plan of 798 calendar days. This offers the same rate but paying only once every 2 weeks.

Fine-China.biz offers 2% weekly as well as the lowest investment plan but it will take 777 calendar days with 10% weekly as the highest. So, the lowest plan is about the same as Cyber-Bank.cc. The plan will end about 3 weeks shorter.

DollarBill.biz offers 2.1% weekly profit in 700 days. That is slightly higher weekly rate than Cyber-Bank.cc but shorter investment period.

Funds-Broker.com offers also 2.1% weekly profit in 798 days. That is a slightly higher weekly rate than Cyber-Bank.cc but with the same period.

Seven-Stream.com offers 4.1% profit per 2 weeks in 994 days. That is slightly higher than Cyber-Bank.cc and longer time to complete.

White-Wolf.biz, offers 2.1% weekly profit for 2 years. That is higher weekly rate than Cyber-Bank.cc and shorter period.

Billion-Stars.com offers 4% profit per 2 weeks for 798 days. This is the same rate as Cyber-Bank.cc but paying once every 2 weeks.

Cyber-9.com also offer 4% per 2 weeks for 994 days. This is basically the same rate as Cyber-Bank.cc but with longer investment term.

Those 14 are the only HYIP programs that I’ve tried and still paying right now. I really can’t try too many of them, considering how risky the nature of HYIP and again, I wouldn’t recommend anybody to try as well.

But there are other online programs that also offers to pay some interest. Some people might think these programs are better than HYIP because the interest feature is just a secondary feature.

They have other ways as income source. Here are some of those programs.

Freebitco.in, probably one of the longest paying faucet program, offers like 4.08% annual interest. That is just like 0.01% daily calendar day profit, which is already far lower than any HYIP.

Free-Litecoin.com and their group, similar program to Freebitco.in, also offers to give up to 6% annual interest. It is like 0.016% daily profit, just slightly higher than Freebitco.in and obviously still way lower than any HYIP.

Cointiply.com, also another faucet program that offers interest which will be compounded weekly. The interest is 5% annual or about 0.014% daily, also lower than any HYIP.

StakeCube.net also offers 0.02% fixed daily interest rate for investing in Bitcoin and several altcoins. There are also another offer with fluctuate interest rate from the Staking feature which could be up to 0.08%.

SimpleBits.io is another faucet program that offers some kind of investment from their rent hardware simulation. The plan with the highest rate is about 35% for 120 days or about 106% annually.

ExpressCrypto.io is a micro wallet service where we can also make an investment on via their saving or staking feature. The highest plan so far is to stake Tron or TRX and get an annual rate of 6%.

CryptoWin.io is another one where we can invest Bitcoin. They offer 0.7% daily rate but include the principal for 180 days. That means the interest rate is about 0.144% profit per day. This is just half of the rate from most HYIP.

There are still other forms of online investment programs that are not HYIP and I haven’t got the chance to try it. We could invest on cryptocurrency mining, with hardware, or some stocks.

Comment and Suggestion

As we can see from the comparisons above, I think 2% weekly profit is quite reasonable. All of the programs that I have tried so far are offering that rate or slightly higher or lower.

What we need to understand is that all of them have been around for years, 6 for this particular one at the time of this writing. Usually that means that they have proven that they can manage the finance.

If they are scams and offering something that is too high and too good to be true, they would have been gone within a month or so. Of course, it’s still not a guarantee but at least, we have a better picture of what’s a good interest rate would be.

If another program is offering higher than that, we have to be cautious then. The question is now, why do we need multiple programs offering the same rate? Why not just invest on one HYIP.

I think diversify is a must. They might be a legit, but they are still just people behind a website. They can still make mistakes and sometimes, with just  one mistake can make them out of business.

If we invest on a single program that suddenly become scam, we will lose everything. By diversifying, we probably only lose part of it. Ideally, we also need to invest on other sectors, not just with similar programs from the same industry.

The point is about reducing the risk. It is still like a gamble as we don’t know what will happen.

Of course, anybody would want to get higher profit. Maybe there are other programs that can deliver that higher rate. The question is how long can they maintain that reward?

Do we want a higher profit but they will be out of business within a month or just lower profit but they can deliver it year after year? I personally choose the latter.

Even some of the programs above have decreased their rate from the initial. I mean, these programs are run by people and they are not just making money out of nowhere.

Most of the time they use the money for trading in forex or cryptocurrency. Then, they share the profit to us as the investors. Obviously, they make more than what they are offering but it doesn’t mean they can just give back everything to the investors.

They still need to pay any business expense and other things. It is possible that they make mistakes and lose money during trading. But with a good financial management, they can still make profit overall.

By offering lower interest rate, they can make some buffer. Also, that will give them more time to cover their lost.

Other programs may offer hourly payment. That will only give extra load and tension for the people behind it which is possibly increasing the risk.

For me, a weekly payment is good. That gives enough time for them to make estimation and achieve it. If a program choose to pay once every 2 weeks, we should be able to expect more.

That is how we can lower the risk of our investment. We choose a program with enough buffer for or control over their finance. There are other ways a program can handle it.

I think the best practice of this is CityBuildTrade.com. They only allow us to have one active deposit per investor. There is also a limit to the maximum amount so they know exactly how much money they need to handle from the number of investors.

They also only offer one plan. With more plans and different interest rate, combined with possible multiple deposits,  it will be harder to predict and maintain.

CityBuildTrade.com also offer a week only term which is good. The investor will then occasionally forget to reinvest immediately and that give the program some room to breathe.

I guess that means Cyber-Bank.cc and others that require years to complete is actually the opposite. Maybe long term plan can make the investors less active and tend to wait.

So, the easier the investors can send them money, the higher the work load for the program. They will make more mistakes which will deplete their income ratio or barrier.

Of course, one can argue that there is not that much investors growth for this kind of program. Still, they are opening the risk for that and this could be a bad sign for investors. Yet, almost 6 years in the business, may be they know what they are doing but the risk is still there.

The minimum, $30, is also very high compared to CityBuildTrade.com where we can start with just $1. Again, the more money they have to handle, the higher the risk.

They may offer almost the same rate but 2% for $30 is still 30x more than 2% for $1.  That is just from one investor and just one of their deposit.

I don’t necessarily mind the minimum because at least we can get a lot per payment. Instead of $0.02 per week we can get like $0.6 per week and that feels a lot more when we have to withdraw frequently, as soon as possible.

Still, it doesn’t really matter since we will get a full fund from the request. Thanks to the payment processor.

Nevertheless, Cyber-Bank.cc is still one of the HYIP, highly risky program where they can suddenly turn into scam. For whatever reason, maybe the owner doesn’t want to offer their service any longer and they can just run away.

That can happen while we barely reach BEP or even the next day after we make a deposit. We will never know, except when it is already happened and all we can do is let it go.

Which is why, in general, I will not recommend just anyone to invest in here or any HYIP programs. Please do it at your own risk and only spend the money that we can afford to lose.

Referral / Affiliate Program

So, there is actually a way to earn money from Cyber-Bank.cc without starting any investment or even making a deposit to them. It is by using the affiliate or referral feature to earn some commission.

What we need to do is we invite other people to join the program and let them use the service. In this case, the program is Cyber-Bank.cc and the service is to invest, deposit some money to start the investment.

As the referrer, we will get some commission based on some percentage of the referral’s deposit amount. We can then withdraw the money or, if we can reach the minimum amount, we can use to start investing.

The more referrals we have, assuming they are all making a deposit will increase the commission we can get. If we focus on promoting and keep getting more referrals, then we may have a passive income source without investing.

That is the basic idea. Unfortunately, there is no further explanation on Cyber-Bank.cc other than the one on homepage. So, I can’t say for sure how it works.

How does it work?

Like any other online program offering a referral or affiliate commission, each of their member will get a unique link with their ID attached to it. It is called a referral link or ref link and this one below is mine for Cyber-Bank.cc.

https://cyber-bank.cc/?ref=homeofmark

If anybody click on that link and join the program, they will become my referral. And if they use the service, make a deposit to start their investment, I will get 0.1% based on their deposit amount.

With more referrals, we are eligible to earn higher commission rate. Here is the detail that we can find from their homepage.

2 referrals or less: 0.1%
3 referrals or more: 0.5%

Also, we will only get the commission if the referral made a deposit from external source or in this case from Perfect Money. We will not get any commission if they only reinvest their earnings or previous deposit. This is typical for any HYIP.

What we need to do is just share the link to anybody on any online platform that we regularly use. The platforms can be our social media accounts, forums, emails, group messengers for family or friends or even blog and website that we own.

Anywhere we can post the link and the public can access it will do. Even Google Docs can work.

We can find the link from the ACCOUNT menu. The link will be similar as mine above where we just need to replace the username at the end.

The REFERRAL LINKS page itself only contains code for some promotional banners. They are just templates from the script that we need to modify a bit. Another typical thing for those who use the same script.

Aside from those tools, there is also a dedicated page for our referrals. We can click on YOUR REFERRALS menu to find a tracking system. It is not a comprehensive one but it will tell us how many people are visiting our links each day.

We can also check the total number of referrals that we have and how many of them are active, or making a deposit.

How to get (more) referrals?

Well, sharing the link is a must but how exactly? Sharing to the wrong people is like a salesman approaching stranger. People hate that.

If we try to share on our social media, people might get annoyed if they are not interested. Especially if we are spamming, sharing over and over again like multiple times within a day.

We could lose our followers, risking any network we have built. Maybe it’s better to have alternate account specifically just to share this kind of program.

We look for community or other users that we know are interested. Then we can share with them the link.

A better way might be to share on forums. Not just any forum of course, but related to online money making program and maybe investment.

The problem with using any free platform like this is that we are probably not the only one who promote the same program. We have to offer something more than just the referral link like anybody else.

Another thing is that these free platforms have rules that they can suddenly change about promotion and not to mention, shutting down their service entirely. We have to start over our campaign if they delete them.

A better way would be to have our own website. We can share anything not just one program but others with the same, similar or related topics.

Having a website is like having a shop in real life. People can always come back to and find out more programs to use.

Then we can use those free platforms, forum or social media accounts  just for promotion. A good way to get backlink or generate traffic.

Since it’s an online shop, it will stay open 24/7, no need to wait for us to wake up and can be accessed from everywhere around the world. The best part of having our own place or website is that any search engine like Google will do the promotion work non stop.

And they will show the website as a result to exactly people who are interested in it. The people that use the search engine to look for it and get the website we build as the result. No need to worry about being annoying salesman.

Those people will access the website, see what we have to offer. Maybe a review like this, other or similar program we use, sharing experience, opinion, views to let people know that we understand this kind of program.

If they are interested, they will become our referrals for any program we promote. Once we have enough referrals for Cyber-Bank.cc or every programs we promote, we can have passive income even full time income.

That is exactly how people can build their business online. They own a website, fill the website with contents that can help promote a program, and let it work automatically.

If you are interested to know more about how to build a website and turn it into an online business, keep reading. I will share with you later about a training program that anybody can use.

In the meantime, let’s head back to Cyber-Bank.cc for a little bit.

Comment and Suggestion

Again, in general, I would not recommend anybody to use or invest on any HYIP, including Cyber-Bank.cc. Since we have to make a deposit while we can earn money for free from other programs.

What I’m doing here is just sharing my experience and what I know about any online money making program. So, if anybody is willing to join this program and invest their money here, please do it at you own risk.

Read again the warning section above.

For some forums, HYIP is considered as total scam but they still accept other money making program. Just make sure if we want to share our links, they do accept this kind of programs, like by providing a dedicated thread or sub forum.

Maybe give rating on HYIP monitoring program and use the comment section to share the link is the way to do it, not sure though. Try to do it more passively, like wait until somebody ask for it and reply with the link and review, after we do get paid.

As I said before, we can only get commission if our referral make a deposit from outside. So, redepositing from the account balance after the previous one get expired will not get the referrer anything.

If somehow the referral is planning to make deposit and withdraw the funds completely then deposit again, not really sure but this should give some commission to the referrer. So, with my suggestion above on how to lower the risk for investing here, I can earn more commission but I still stand with my reasoning.

Again, I don’t recommend anybody to invest here or any HYIP program.

The commission rate is even lower than other similar programs. Most programs can offer like 0.5% right from the start.

Just to reach the higher commission rate on Cyber-Bank.cc, we need at least 3 referrals. Well, I guess, 3 is still possible while other programs can require like 500 or so.

Another concern about this is whether the referrals have to be active or not. If we do get some referrals, some of them will just join and do not use it at all.

So, if they also require the referrals to be active, it will take a long time before we can even increase the rate. I suggest just forget about the extra and consider the just the lowest possible rate.

If we do expect to start the investment from the commission, it will take like 200 active referrals, each make a deposit of $30 just so we can start our own. I would suggest just try to reach like $5.

Then, we can withdraw the money and start with other programs. CityBuildTrade.com for example where we can just start with $1. We might need extra because of the fee from payment processor.

If we do earn something from this commission, we should just withdraw them immediately. This is the good thing about Perfect Money as the sole payment processor. We don’t have to pay any fee for accepting money.

I have not tried this but I think we do can accept as low as $0.01. If we use several other programs, maybe eventually we can accumulate enough money by earning from those programs to start the investment with Cyber-Bank.cc. Not that I would recommend it in general.

The reputation about a HYIP is already bad. We could jeopardize our relationship with other people by promoting this very risky program where they could lose the money.

For those who don’t really like promoting, especially directly, we can earn more free money faster using other online earning program. That way we can start the investment sooner.

Check this article for other earning programs.

Inviting other people doesn’t always mean they will make a deposit right away, if ever. Since this is already an investment program, we can already have a passive income.

There is no need to focus on promoting this program just to build long term passive income. You can find other programs on this website with no risk, we can earn right away for free.

I suggest look for programs where they offer investment as their secondary feature. Usually from the main feature, we can earn free money. This way, people can decide later whether they want to invest or just withdraw the earnings.

Check out the COMPARISONS section of this article for programs where we can earn free money with invest. There might be more. Check out the previous link to find out the latest update.

Deposit and Withdraw

Now that we have learned about the investment and how to earn commission from Cyber-Bank.cc, how do they handle payment? How do we make a deposit to start the investment and how do we get paid after that?

Currently, Cyber-Bank.cc is supported by only one payment processor and that is Perfect Money. They will send the payment from our account to our Perfect Money account from which we send the deposit from.

We can use this link to create account with Perfect Money. 

Perfect Money supports multiple currencies but Cyber-Bank.cc only accepts payment in USD. Other similar programs may offer differently.

It is very typical for this kind of program that we can’t exchange the money across different payment processor. Even though both of them use the same currency, not that there is an alternative for this one.

Back then, CityBuildTrade.com added an exchange feature where we can transfer between Payeer payment into Perfect Money. But that is a rare case because they want to stop using Payeer.

As far as I know, we can’t change the payment account on Cyber-Bank.cc.  We probably could but it will involve contacting the admin directly.

Also, we can’t change our email address which will be used to identify our account when contacting them. We will probably also get the reply via email. So, we have to make sure that we can access our Perfect Money account and email or we could be losing an income source.

There is no minimum, other than it has to be at least $0.01. Cyber-Bank.cc will not charge anything so we will get the same amount as we requested.

However, if we send the payment to any account, Perfect Money will charge a fee. Depending on whether our account is verified or not, the fee can be different.

If we do not have a verified account, the fee is 1.99%. So, if we want to send a $30 payment for deposit, we probably need an extra $0.59 in our Perfect Money account for the fee.

How to Invest

If this is the first time, the investment can only be done from outside the platform via the Perfect Money payment processor. Make sure we do have enough funds to pay the minimum deposit amount plus the payment fee for the processor.

After we log in to our Cyber-Bank.cc account, we can click on the MAKE DEPOSIT menu from the left navigation widget. The page we see will be similar as the previous picture.

As we can see, there is only one plan. If this is our first time making deposit or if we have no money in our account, then SPEND FUNDS FROM PERFECT MONEY is the only way. We click the circle below that word and we will see a dot filling that circle.

At the bottom there is a field to enter the amount to spend which is by default is set to $30 as the minimum. We can click the SPEND button at the bottom to proceed. This will bring us to a confirmation page as shown by the next picture.

We can still cancel it like if we want to change the amount. The page doesn’t tell us the extra fee that will be taken by the payment processor but we still can cancel later.

To proceed, we just need to click on that PROCESS button. This will bring us to the Perfect Money page as shown by the second picture below.

As we can see, there is the account info for CYBER BANK, which is U9000438 with 91.3 Trust Score points at this moment.

We can either pay using the money that we have in Perfect Money account balance or use their prepaid card or e-voucher. I will be using the first one for this example as I have no experience using the second one.

We can click the MAKE PAYMENT button at the bottom to proceed. Then, we will see the next page where we have to sign in to the Perfect Money account as shown by the third picture below.

We simply need to enter our Member ID, password and the right turing number, and then the PREVIEW PAYMENT button to proceed. After we sign in, sometimes Perfect Money will ask some confirmation if we use a different IP address when accessing our account.

The confirmation page is next as shown by the fourth picture below. In this case, we need to access our email account that we used to sign up with Perfect Money to copy the PIN CODE.

The PIN CODE usually has 7 digits that we need to enter on that confirmation page. We can then click on CONTINUE to proceed with the payment preview as shown by the fifth picture below.

We can see that Perfect Money will charge an extra fee of 1.99% because I’m not a verified member. The fee will be lower for verified one. With that fee, the minimum amount of money that we need to have probably will be $30.59, for investing the minimum in Cyber-Bank.cc.

Up to this point, we can still cancel the payment without losing any money. However, once we have clicked the CONFIRM PAYMENT button, as the page suggests, it is a non reversal one.

Once we have clicked the confirm button, the next page we will see is the payment ID as shown by the next picture. At this point, we can no longer undo the payment.

We can click on the CONTINUE button at the bottom to return to Cyber-Bank.cc as shown by the second picture below. The page will say that they have received our deposit.

That should be it, at least based on my experience with other similar programs. Apparently from my one time deposit to Cyber-Bank.cc, my account wasn’t updated immediately after the deposit.

It’s like I haven’t made one but my funds was already gone. Because of that I have to contact Cyber-Bank.cc.

Even though they didn’t reply and handled it right away, they got it fixed. The problem is that my investment didn’t start right after the deposit. As we can see from the third picture below, the YOUR DEPOSIT menu already shows the active investment.

THIS COULD BE JUST ME BEING UNLUCKY BUT IT COULD HAPPEN TO ANYBODY AS WELL. AGAIN, DO IT AT YOUR OWN RISK.

They did give me $2.00 as compensation. It is not much compared to my $30.

This is the risk when dealing with HYIP even though this is my first time. I never had a problem like this with other previous programs.

More about withdrawing later.

How to Withdraw

We first need to access the withdraw page by clicking on WITHDRAW from the left navigation widget on Cyber-Bank.cc. The previous picture displays that page.

On that page, we just need to enter the amount we want to withdraw and click on the REQUEST button at the bottom. Then, the next page we see is a confirmation page as displayed by the next picture.

If we are sure, we can click on the CONFIRM button to have it processed. After that, we will go back to the WITHDRAW page again but at the top, the page says “WITHDRAWAL REQUEST HAS BEEN SUCCESSFULLY SAVED”.

So, unfortunately, the withdraw from Cyber-Bank.cc is not an instant payment but it will be done manually. The homepage actually states that it will be processed WITHIN 7 CALENDAR DAYS after the request.

After we have submitted the request, we will get a notification email from cyber@cyber-bank.cc about the withdraw. Once they have processed the payment, we will also get another notification from the same email address.

It is possible that these emails will end up in our Spam Folder. Do check them.

Unlike other similar programs to Cyber-Bank.cc, there is no cancel button on the WITHDRAW page.

I already requested several withdraws and got paid. Most of the time they processed it within 3 days but there have been 2 times where it took more than 7 days to get paid. One of them was even almost 2 weeks.

Check the next subsection for details as when I got the payment for the other request.

The last picture displays the payment report on Perfect Money. The payment account they use is U9000438 (CYBER BANK), the same account as the one we made a deposit to.

My Withdraw

Here are the reports for every withdraw that I have requested and the time I got paid from Cyber-Bank.cc. As I said before each payment is processed manually.  It can take more than 7 calendar days before we can see the funds on our Perfect Money account.

For this kind of program, we should expect some delay once in a while.

1st payment. Paid at 2:05, 9 August 2021 (GMT+7), about 2 days since the request. Status paying with 6.67% ROI. This was the $2 compensation.

2nd payment. Paid at 19:25, 15 August 2021 (GMT+7), about 33 hours since the request. Status paying with 8.67% ROI.

3rd payment. Paid at 20:33, 23 August 2021 (GMT+7), about 2 days since the request. Status paying with 10.67% ROI.

4th payment. Paid at 4:16, 3 September 2021 (GMT+7), about 6 days since the request. Status paying with 12.67% ROI.

5th payment. Paid at 16:53, 9 September 2021 (GMT+7), about 2 days since the request. Status paying with 14.67% ROI.

6th and 7th payments. Paid at 3:19, 19 September 2021 (GMT+7), about 8 days since the 6th request and a day since the 7th. Status paying with 18.67% ROI.

8th payment. Paid at 17:47, 25 September 2021 (GMT+7), about 7 hours since the request. Status paying with 20.67% ROI.

9th and 10th payments. Paid at 17:56, 13 October 2021 (GMT+7), about 11 days since the 9th and 4 days since the 10th request. Status paying with 24.67% ROI.

11th payment. Paid at 1:22, 20 October 2021 (GT+7), about 4 days since the request. Status paying with 26.67% ROI.

12th payment. Paid at 16:11, 29 October 2021 (GMT+7), about 6 days since the request. Status paying with 28.67% ROI.

13th and 14th payments. Paid at 23:41, 9 November 2021 (GMT+7), which was about 10 days since the 13th request and 3 days since the 14th. Status paying with 32.67% ROI.

15th withdraw. Paid at 4:18, 20 November 2021 (GMT+7), which was about 6 days since the request. Status paying with 34.67% ROI.

16th withdraw. Paid at 22:!2, 25 November 2021 (GMT+7), which was about 5 days since the request. Status paying with 36.67% ROI.

17th withdraw. Paid at 2:59, 1 December 2021 (GMT+7), which was about 4 days since the request. Status paying with 38.67% ROI.

18th withdraw. Paid at 16:19, 6 December 2021 (GMT+7), which was about 2 days since the request. Status paying with 40.67% ROI.

19th withdraw. Paid at 4:23, 13 December 2021 (GMT+7), which was about 2 days since the request. Status paying with 42.67% ROI.

20th and 21st withdraws. Paid at 00:03, 29 December 2021 (GMT+7), which was about 11 days since the 20th request and 4 days since the 21st. Status paying with 46.67% ROI.

22nd withdraw. Paid at 3:48, 4 January 2022 (GMT+7), which was about 3 days since the request. Status paying with 48.67% ROI.

23rd withdraw. Paid at 3:37, 13 January 2022 (GMT+7), which was about 5 days since the request. Status paying with 50.67% ROI.

24th withdraw. Paid at 00:32, 16 January 2022 (GMT+7), which was about 14 hours since the request. Status paying with 52.67% ROI.

The current plan will end after the 114th payment. I will try to update this section once a week if they pay.

Comment and Suggestion

There is actually not much to say further here because there is no optional payment method. I will be just repeating myself then. Always try to withdraw as soon as possible. Perfect Money allow us not to pay the fee from multiple receiving.

This is a good way to cut the loss. Again, this HYIP program can turn into scam anytime. Before we get our money back, reach BEP, we should not try to compound. The key of investing is to diversify so it is recommended to withdraw and probably invest the earnings on something else.

That way we could still increase our investment but lowering the risk. As for the Cyber-Bank.cc, they are not the only one to process the payment manually. Most of HYIP that I tried are manual payment.

However, from the shortest one we only need like 24 hours before we see the payments on our Perfect Money account. This is not the longest so far, but some people might prefer those with instant payment like Crypto7.com. Even sometimes the instant payment doesn’t work or they no longer process it instantly.

That s also another reason why I can’t really recommend using this kind of programs. We will always wonder whether we are going to get paid or get scammed. Before we make a hasty judgement, it is recommended to check every monitoring programs, and see when was the last time they got paid.

If we are not ready to deal with that, we should look for other investment programs.

On the other hand, this is also a good way for Cyber-Bank.cc. They will have time and better estimation of how much money they need to generate.

Since Perfect Money is a third party program, there will be times when we won’t be able to access it. They get attacked a lot by hackers and when that happens, we might have to wait longer.

Ideally, it is better if they have other payment options. So far, both the HYIP and the payment method can prove that they can deliver their service for a long time. It is just that, in the past, other payment method can be taken down even by government,

When the same thing happens, these HYIP will not have a back up saving account. They probably put their money on that one payment method. At that point, becoming a scam is inevitable. So, that is another risk we have to be prepared for when investing in this kind of program.

For people who collect some free cryptocurrency and they want to invest in any program that only accept Perfect Money, we can trade those coins via Crex24.com to Perfect Money balance.

Read more from my Crex24.com Review.

Alternatively, we can try to earn free money from PTCShare.com first. They will pay in USD to our Perfect Money account. It will take a while before we can reach the minimum to start the investment but it is one way to go if we don’t want to spend the money from our pocket.

Learn more from my PTCShare.com Review.

Status from Monitors and Forums

Once again, I don’t recommend anybody to invest in here considering how risky this type of program can be. But some people might be willing and ready to take the risk and still want to try it. Please do it at your own risk.

I might post and report the payment I got from Cyber-Bank.cc here. But I could be in the middle of depositing terms and need a week or several to know if they suddenly stop paying.

Or I could be just lucky while they fail to pay other users. It is best to double check other HYIP monitoring program or group discussion on any forum we can find.

I suggest doing it even right before we hit the DEPOSIT button. Below is the list of some links to forum and monitoring program that we can check about Cyber-Bank.cc.

We don’t have to trust every single website or every review on those website. For me, Goldpoll is probably the one that I can trust.

I did send Goldpoll a report of problematic program once using the form from their left navigation widget. Not long after that, they changed their status for the program and I got paid right after. Or, it could be just a coincidence.

I encourage anybody who are investing in any HYIP to do the same.

All HYIP Monitors.com – cyber-bank.cc

sqmonitor.com – Cyber-Bank.cc HYIP Details – cyber-bank.cc

HYIP.biz – Cyber-Bank.cc

HYIPfactory.com – cyber-bank.cc

HYIPLogs – cyber-bank.cc

Investors Protect – Cyber-Bank.cc

Conclusion

Cyber-Bank.cc is another HYIP with Gold Coders standard script that has been around since 2015. They are offering just one plan, which is 2% weekly profit for 798 days.

The minimum is $30 to start and they will lock that principal for more than 2 years. We will get 114 payments for the profit and they will return the principal at the end of the term.

With that interest rate, we can reach 100% return or BEP in less than a year. Because of that long term, the program hasn’t even reached the end of their 3rd cycle at this point. Most of their investors may not even complete their first plan.

Considering that this is about the same rate as other HYIP that have been around that long, we can say that the rate is reasonable.

For the payment, they are only supported by Perfect Money, like other similar programs and there is no signs that they will accept cryptocurrencies. With this payment processor, we can get multiple withdraws without paying any fee.

The payment will be processed manually and they say it can take up to 7 calendar days or within a week. Based on my experience, we can get the payment as soon as within hours since the request or up to 11 days.

That means if we withdraw like once a week, they send the payment for the 2 requests at the same time. I also had an issue with them where after I made the deposit, the account didn’t update immediately.

They eventually fix it but it was a while since I contacted them. I also got $2 as compensation, which is not much compared to the deposit itself. I guess, there have been some red flags with this more than typical with other similar programs.

Cyber-Bank.cc also offers a referral commission so in theory, we can get paid without making any investment. The rate is actually very low, which is 0.1% if we have 3 or less referrals. More than that, we can get 0.5%. from the referral’s deposit.

It will take 200 active referrals if we want to start the investment from the commission only. However, with just 1 active referral, we already can withdraw the commission.

In general, I don’t recommend anybody to invest in Cyber-Bank.cc or any HYIP program. If anybody still want to do it, they should do it at their own risk. Please read the WARNING section of this article before making that first deposit.

You can use this link to create account with Cyber-Bank.cc and start the investment. Just make sure we have enough funds in our Perfect Money account balance in USD, for the minimum deposit amount and the transaction fees.

Final Words

HYIP is not the best way to use our money. Even if we use the free money we get from other online program that you can find here on my website.

Here is my list of all online earning programs that I have used.

HYIP is like gambling. There is a big chance that we will lose the money and people would not consider this as a legit way to make money.

Instead, we can invest on our own online business.

If you want to know more about how to start online business, there are a lot of training out there like this one. We can learn about how to set up a website and build content and how to make money online. You can read my review here about them.

Spend and invest our time and money to build a website that can generate an income for ourselves. Unlike investment on HYIP, where if we lose the money we lose everything and need to start over.

If we invest on our website, our hard work can eventually pays off. The only way to lose our investment is if we give up on it or abandon it. We just need to spend some little time everyday and it will grow.

Building a business requires time and hard work. Even Jeff Bezos need two years before Amazon reach return of investment.

The same thing can happen for us on building online business. The sooner we do it the sooner we become successful.

I realize that not everybody still have the time to do this but at least use the money to pay outsource to help you build the website. We just need to learn and understand how the it works and we can pay somebody else to do it for us.

You can learn everything there in the training. Try it, it’s for FREE.

Anybody can use it. Even for a guy without a college degree.

That’s all I can share with you regarding Cyber-Bank.cc. Maybe I missed something and if you have something to add, please use the comment section below, I would be happy to learn.

Hope this helps. Thanks for reading.

 

Mark M.

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