BandeiraCorp is a British company that incorporated in the UK in 2015.  It has been online since early in 2016 — over a year ago.  So, as a HYIP, it has a very good record of survival; very few programs survive this long.  The company is involved with many aspects of the real estate business in the UK.  Unfortunately, the website narrative isn’t always as clear as it should be.  Although the company is supposedly based in the UK, the writer clearly isn’t a native English speaker.  We have written an article in HYIP Insights about this situation and how it can give the visitor to a website a negative impression of a program — even though it might be a great one.  You can read the article here.  The admin of the program might want to hire an editor to clean up second language errors.

With this thought in my head, I discovered that there is a brochure on the website — where I expected to see a polished presentation of the company’s background and business.  So, I jumped at the opportunity to get this clarification.  On the plus side the brochure IS very attractive.  On the minus, I am sad to say that probably very little of what you read in the brochure is true!  When describing “why investing in UK is a great opportunity,” it goes on to say that “The pleasant climate, palm trees, year round blooming flowers, endless white sandy beaches, continues to attract tourists, retirees, and new residents to the England.”  Almost every photo in the brochure is taken in this type of warm idyllic tropical environment.  Unless global warming has secretly occurred in the UK and raised its average annual temperature 10 degrees C, those photos were taken somewhere else — probably where every resident of the UK wishes he was in their uncomfortable winter weather where the temperature is usually in the neighborhood of 5 degrees for three months or so.

So, we have a situation where, on one hand, the company has proven itself to be very successful as a HYIP, but, on the other hand, its background is highly questionable.  With this in mind, the potential investor has a tough decision to make.  With most HYIPs, the investor clings to the hope that the company’s legend (click here to read an article on HYIP “legends”) might be true — even though, deep down, he knows that 95% of all HYIPs will ultimately close their doors.  With this program, the company has pretty much dashed this hope.  So, those of you who are true gamblers might still want to try your luck with BandeiraCorp in hopes that it will be around long enough for you to make a profit.  Those of you who would like to think that the company you will invest your money with is the “real thing” had better steer clear.  With this as an introduction, let’s take a look at the BandeiraCorp investment plans…

BandeiraCorp has two groups of investment plans.  The less expensive one is referred to as “Rent.”  The more expensive one — which is probably out of the range of most HYIP investors — is referred to as “Buy.”  All of these plans have a number of features in common:

They pay an interest rate that varies day by day.  The minimum is always 1%.  The maximum depends on the plan you invest in.
Your deposit is returned to you as part of your interest earnings.
The term of the plan ends when your gross interest earnings reach 150%.  Since you principal is included in that, your net interest earnings or “pure” profit is always 50%.
You can withdraw your daily interest at any time.  The minimum withdrawal amount is only $0.10 — ten cents.

Let’s take a look at the Rent investment plans first.  The first one has a minimum deposit of $10 and a maximum of $500.  I suspect that this might be the most popular program for the typical HYIP investor.  The daily interest paid can vary from 1.00% to 1.80%.  Let’s see how this would work out for a deposit of $100.  To get an idea of the possibilities, we’ll do a few calculations: first for the minimum interest rate, next for the maximum interest rate, and finally, for the mean rate that, in this plan, would be 1.4%.  Here are the results:

Rent Plan #1 (minimum interest)
1.00%
Gross interest earnings: $150  (100 x 1.5)
Net interest earnings: $50  (150-100)
Days in plan: 150  (150/1)
Days to break even: 100 (100/1)

Rent Plan #1 (maximum interest)
1.80%
Gross interest earnings: $150  (100 x 1.5)
Net interest earnings: $50  (150-100)
Days in plan: 84  (150/1.8)
Days to break even: 56  (100/1.8)

Rent Plan #1 (mean interest)
1.40%
Gross interest earnings: $150  (100 x 1.5)
Net interest earnings: $50  (150-100)
Days in plan: 108  (150/1.4)
Days to break even: 72  (100/1.4)

Looking at the numbers, there are no surprises.  Of course, your earnings are the same for every scenario.  What changes is the number of days (the length of the investment plan) to reach this earning level.  Similarly, the number of days to break even (to get your deposit back in your interest earnings) changes.  With a plan length that might be in excess of three months, this can probably be classed as a medium to long term investment plan.  I have to emphasize that, since you have no idea what daily interest rate will be paid, this is all guess work.  If I were trying to estimate earnings from this plan I would probably take the interest earnings for the mean interest rate as a HIGH estimate.

Now, let’s look at the second Rent plan.  This one has a minimum investment of $501 and a maximum of $2,500.  The daily interest rate can vary from the minimum of 1.00% to a maximum of 2.50%.  The mean interest rate is 1.75%.  Let’s do the same set of three calculations for this plan as we did for the first one, this time for a deposit of $1,000.

Rent Plan #2 (minimum interest)
1.00%
Gross interest earnings: $1,500  (1,000 x 1.5)
Net interest earnings: $500  (1,500-1,000)
Days in plan: 150  (150/1)
Days to break even: 100 (100/1)

Rent Plan #2 (maximum interest)
2.50%
Gross interest earnings: $1,500  (1,000 x 1.5)
Net interest earnings: $500  (1,500-1,000)
Days in plan: 60  (150/2.5)
Days to break even: 40  (100/2.5)

Rent Plan #2 (mean interest)
1.75%
Gross interest earnings: $1,500  (1,000 x 1.5)
Net interest earnings: $500  (1,500-1,000)
Days in plan: 86  (150/1.75)
Days to break even: 58  (100/1.75)

Plan 2 provides the opportunity for greater earnings than Plan #1 because of the higher deposit limit.  Because of the higher interest rates, except at the minimum interest rate of 1%, the plan length has the potential to be much shorter along with the corresponding possibility of breaking even much more quickly.  These possibilities might move this plan into the medium range rather than long.  However, again, since this is all guess work, you have no way to predict what your earnings might be.  It is even possible that Plan #1 might pay higher daily interest rates than Plan #2 — even though Plan #2 has the potential to pay more.  This gets complicated quickly if you try to work through all the earning possibilities…

The Buy investment plans are a whole new ball game — a very expensive one.  There are seven plans, each with its own set price and maximum interest rate.  However, they all have the same minimum interest rate of 1% just like the Rent plans.  The two cheapest plans have prices of $3,190 and $8,500 with maximum interest rates of 1.80% and 2.00% respectively.  The most expensive of the seven plans has a price tag of $89,000 with a maximum interest rate of 4%!  Clearly, these plans are for the big spenders.  Since there will be few, if any, takers for these plans, I’m not going to bother discussing them further.  It is worth noting, however, that the maximum interest rate for Plan #2 in the Rent category is higher than that of the first three plans in the Buy category.  If a person would like to invest, say, $10,000, it would seem to be wiser to invest two or more times in Plan #2 rather than in the first few Buy plans.

BandeiraCorp has a wonderful selection of payment processors to choose from.  Right now they are: Bitcoin, Perfect Money, Payeer, SolidTrustPay, Payza, Neteller, OKPAY, and Advanced Cash.  For deposits, “typically, funds are credited to your account balance instantly.  In some cases it takes up to 24 hours.  Withdrawal can take from 12 to 48 working hours from the date of registration of the application. Usually it takes less time than mentioned.”

BandieraCorp has an affiliate program that works on two levels.  The first level applies to any registered member of the program.  He does not have to have an active deposit in order to earn affiliate commissions.  The second level is the representative program.  This level earns higher commissions but must have a minimum deposit of $500.  He also must have an application approved by the company administration.  Both levels pay commissions on funds invested by people in your downline as well as on the profits they earn.  Whereas, commissions on investments can be quite large, they are a one-shot thing.  On the other hand, while commissions on profits are quite small, they can be ongoing.  This double barreled approach to affiliate commissions is potentially very lucrative.  I am not going to try to nail down the percents paid on either investments or profits as there appears to be inconsistent information on this depending on what part of the website you refer to.

Support from BandieraCorp seems like it should be pretty good.  There is the standard contact form as wells as an email address.  There is also live chat although, as I write this, no one was online.  Finally, a Skype address is given.

In summary, BandieraCorp has a good track record of survival, having been online for well over a year now.  This is an accomplishment in the HYIP industry and the implication is that a great many investors have already made some money from this company.  Unfortunately, there is a shadow of deception over this company as pointed out earlier.  Coincidentally, Emily News recently published an HYIP Insights article entitled “Honesty is the Best Policy” that is directly related to honesty both of HYIP admins as well as operators of HYIP monitors.  You can read the article here.

For those of you who might be considering investing in BandieraCorp, we advise you to be cautious, not only for this particular program, but for any HYIP that might interest you.  And, always diversity your investments among a number of programs.  Good Luck!

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To the Admin: We always welcome comments on our reviews — pro or con — and we will be happy to publish them in the Emily News blog.

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Please don’t forget that you can post your screenshots of payment, scam, or other proofs related to a program by clicking on the “Details” button in the Emily News monitor.  Also, don’t forget that you can add your referral link when you post your proofs — another way to build your downline.

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