Terms & Conditions

By creating an account, you confirm that you have read and accepted these terms and our Privacy Policy. If you do not agree with them, please do not use the service.

You must be at least 18 years old and legally able to enter into a contract. Accounts are personal to you; you may not let anyone else use your account or credentials.

Before your account is activated we ask you to complete identity verification (KYC). This includes providing personal details, an address, and identity documents such as a passport or driver's licence. We may ask for additional information, for example source of funds, at any time. We may refuse, suspend, or close an account where verification is incomplete or where we are required to do so.

Once verified, we may issue you one or more virtual IBANs together with the relevant routing details. Balances shown in your dashboard reflect the transactions recorded on your account. Where a currency conversion is made, the applicable market rate at the time of the conversion is used and shown on the transaction record.

Incoming funds are credited once received and cleared. Withdrawal requests are reviewed before being processed and may be approved or rejected. You are responsible for the accuracy of any beneficiary or wallet details you provide; transfers sent to incorrect details may not be recoverable.

You must not use the service for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, or any purpose prohibited by applicable law. We may block a transaction or account where we reasonably suspect such activity.

Keep your login details confidential, use a strong password, and enable additional security features where offered. Tell us immediately if you believe your account has been accessed without your permission.

We may suspend or close your account where you breach these terms, where verification cannot be completed, or where we are legally required to. You may ask us to close your account at any time; we will return any remaining balance to you, subject to legal checks.

We provide the service with reasonable skill and care. To the extent permitted by law, we are not liable for losses caused by your own breach of these terms, incorrect details you supply, or events outside our reasonable control.

We may update these terms from time to time. Where a change materially affects you, we will notify you through the app or by email before it takes effect.

Questions about these terms can be sent through the in-app support chat, or to our support contact address.