Legal
Terms of service
Last updated · 20 September 2026 — placeholder copy, replace with your own
Contents
1. The agreement
2. Eligibility
3. Fees and interest
4. Your responsibilities
5. Closing the account
6. Liability and disputes
These terms are the agreement between you and [Company] for the account, cards and services described on this website. Placeholder text — have your own terms reviewed by counsel before publishing.
1. The agreement
By opening an account you accept these terms, the fee schedule and the privacy policy. We may update them; material changes are announced in the app at least 60 days in advance, and you may close the account free of charge before they take effect.
2. Eligibility
You must be at least 18 and resident in a supported country, and you must pass identity verification. Business accounts require a registered legal entity and an authorised representative.
3. Fees and interest
Fees are those listed on the pricing page at the time of the transaction. Interest is variable, accrues daily and is paid monthly; the current rate and its calculation are shown in the app.
4. Your responsibilities
Keep your devices and credentials secure, tell us promptly about lost cards or suspicious activity, and use the account only for lawful purposes. You are responsible for authorised transactions; we are responsible for unauthorised ones you report in time.
5. Closing the account
You may close the account at any time from the app. We may close it with two months' notice, or immediately where the law requires. Any balance is returned to an account in your name.
6. Liability and disputes
Our liability is limited as set out in the full terms and by applicable law. Complaints are handled by our team first and may be escalated to the relevant financial ombudsman. These terms are governed by the laws of [Country].