TPML Terms & Conditions for 

Kingcard (king and king+) Prepaid Mastercard®

IMPORTANT INFORMATION: Please read this Agreement carefully before activating your Account. This Agreement becomes effective and binding on you upon your activation or use of your Card and for the entire period of validity of your Card. 

1. Definitions & Interpretation: 

Account: The electronic money account associated with your Card.

Agreement: These terms and conditions relating to the use of your Card(s) as amended from time to time.

App: The mobile application provided by Program Manager that allows you to access your Account and carry out certain Account-related functions such as Card activation, viewing Transactions, blocking and unblocking and raising queries with Customer Services in relation to use of the Card.

Applicable Law: any applicable law (including but not limited to, any local law of the jurisdictions into which the Card is provided and the Program is operated), statute, statutory instrument, act, regulation, rule, order, supervisory guidance, policy, instruction or requirement stipulated by an applicable Regulatory Authority, or interpretation promulgated or published by any Regulatory Authority, any order issued by a court having jurisdiction over a party, or any applicable rule or requirement of any Card Scheme related to the issuance, sale, authorisation or usage of the Card and/or services to be provided under this Agreement or such other rule as deemed valid by TPML from time to time. 

Available Balance: The value of unspent funds loaded onto your Account and available to use. 

Business Day: Monday to Friday, 9am to 5pm CET, excluding bank and public holidays in Gibraltar and Malta.

Card: Any prepaid Card issued to you in accordance with this Agreement

Customer Services: The contact centre for dealing with queries about your Card and Account. You can contact Customer Services by: 

i. Calling +49 89 215 299 959 (your network provider may charge a fee for calling this number); 

ii. e-mailing support@cardcompact.com from the email address registered to the App; or 

iii. writing to Card Compact Limited, 483 Green Lanes, London, N13 4BS, United Kingdom.

Expiry Date: For Physical Cards: The expiry date showing on your Card. For Virtual Cards: the expiry date emailed to you following your application for a Virtual Card.

Fee: Any fee payable by you as referenced in the Fees & Limits Schedule.

Fees & Limits Schedule: The schedule contained in this Agreement.

KYC: Means “Know Your Customer” and constitutes our verification of your Personal Details. 

Merchant: A retailer or any other person that accepts e-money.

Personal Details/Personal Data: The registered personal identity details relating to the use of your Card and App including (but not limited to) your: name, date of birth, home address, email address and telephone (landline and/or mobile) number. Full details of the Personal Data which we process are set out in our Privacy Policy.

Physical Card: A physical/plastic Card that can be used to carry out Transactions.

PIN: Personal Identification Number; that is, the security number provided for use with your Card.

Program: Means the issuance, marketing, sale, processing, administration, supervision, maintenance, servicing, authorisation or usage of the Cards and any other payment services established in accordance with this Agreement.

Program Manager: Card Compact Ltd incorporated and registered in England and Wales with company number 07703826 and registered office at 483 Green Lanes, London, N13 4BS. 

Regulatory Authority: As the context requires, any Scheme and/or any regulator or agency having jurisdiction over Issuer or Program Manager related to the issuance, marketing, sale, authorisation or usage of the Cards, Program(s) or services provided under this agreement, including without limitation the Malta Financial Services Authority.

Scheme: Mastercard; Mastercard is a registered trademark of Mastercard International Incorporated.

Transaction: The use of your Card to make (i) a payment, or a purchase of goods or services from a Merchant where payment is made (in whole or in part) by use of your Card including where payment is made over the internet, by phone or mail order or (ii) a cash withdrawal made from an ATM or bank using your Card. 

Username and Password: A set of personal codes selected by you in order to access the App;

Virtual Card: A set of verification procedures used as a non-physical equivalent to a Physical Card and providing some or all of the functionality of a physical card. Any reference to a Physical Card in this Agreement excludes the Virtual Card. 

Website: https://kingplus.eu/en-gb

We, us or our: Transact Payments Malta Limited (“TPML”), a company incorporated in Malta with registered address at Vault 14, Level 2, Valletta Waterfront, Floriana, FRN 1914, company registration number 91879 and which is authorised by the Malta 

Financial Services Authority an electronic money institution. 

You or your You: the person who has entered into this Agreement with us by virtue of your use of the Card and or Account and any other person you have authorised to use any Cards in accordance with this Agreement. 

2. Your Agreement, Card and Account 

2.1. Your Card is issued by us pursuant to a licence from the Scheme and your rights and obligations relating to the use of the Card are subject to this Agreement. 

2.2. You can download or print the latest version of this Agreement at any time from the Website and/or request a paper copy from Customer Services. 

2.3. Your Card is an e-money product; it is not a credit, charge or debit card or connected in any way to your bank account. 

2.4. You are not permitted to resell the Card. 

3. Obtaining and activating your Card 

3.1. To apply for, and use, a Card you must be at least 18 and resident in Austria, Germany or Italy. 

3.2. You may apply for a Card via the Website and the App and we may require you to provide information/documentary evidence to prove your identity and address and/or we may carry out electronic identification verification checks on you. 

3.3. Regardless of the type and number of Cards you have, you will have only one Account where your Available Balance is located. If we discover that you do have more than one Account, we may block your Card and terminate this Agreement. 

3.4 When you receive your Card, you must activate it. You may activate your Virtual Card by making an online transaction or your Physical Card by making a Chip and PIN transaction in-store. 

3.5 Provided we have been able to successfully complete KYC, you shall receive an activation confirmation on the App and you will be able to use the Card. 

4. Personal Details 

4.1. When entering into Transactions over the internet, some websites may require you to enter your Personal Details and, in such instances, you should supply the most recent Personal Details that you have provided the Program Manager with. 

4.2. You must notify the Program Manager of any change in your Personal Details as soon as possible by contacting Customer Services or updating the details in the App. You will be liable for any loss that directly results from any failure to notify us of a change in your Personal Details as a result of undue delay, your gross negligence or fraud. We will need to verify your new Personal Details and may request relevant KYC information/documents from you as applicable. 

4.3. We, or Program Manager, reserve the right at any time to satisfy ourselves as to your Personal Details (for example, by requesting relevant original documents) including for the purposes of preventing fraud and/or money laundering. In addition, at the time of your application or at any time in the future, in connection with your Account, you authorise us and the Program Manager to undertake electronic identity verification checks on you either directly or using relevant third parties. 

5. Adding funds to your Card 

5.1. Funds may be added to your Account by debit card, credit card or bank transfer. TPML is not responsible for any funds that have not been loaded onto the Card and does not provide services for loading funds to the Card. Information regarding loading funds, including loading fees, can be found in the app. 

5.2. We and the Program Manager reserve the right to request KYC documents and verification of your source of funds at any point. 

6. Using your Card 

6.1. Your use of the Card is subject to the Fees detailed in the Fees & Limits Schedule, which shall be deducted from the Available Balance. 

6.2. Unless we inform you otherwise, you can use the Card at any Merchant who accepts the Scheme to carry out Transactions. 

6.3. You must always ensure that you have sufficient Available Balance for each Transaction you authorise (including value added tax and other taxes, duties and applicable fees). If the Available Balance is insufficient to pay for a Transaction, some Merchants may not permit you to combine the use of your Card with other payment methods. 

6.4. If for any reason a Transaction is carried out but its amount exceeds the Available Balance, you must pay us the deficit immediately, and if you fail to do so after receiving a notification from us, we reserve the right to take all necessary steps, including legal action, to recover this deficit. 

6.5. There are certain circumstances where a Merchant may require you to have an Available Balance greater than the value of the Transaction you wish to make and you will only be charged for the actual and final value of the Transaction. Merchants may request this as they may need to access more funds than you initially planned to spend for example, when making hotel or rental car reservations. In the event that a Merchant has prior authorization on your Card, you will not have access to the relevant funds until the Transaction is completed or, if sooner, up to a period of 30 days. We will only block access to the exact amount of funds authorised by you. 

6.6. Your Card cannot be used where such Merchants are unable to obtain online authorisation that you have sufficient Available Balance for the Transaction (for example, Transactions made on trains, ships, some in-flight purchases and toll booths. We accept no liability if a Merchant refuses to accept payment using the Card. 

6.7. We do not recommend using a Virtual Card to purchase an item over the internet that subsequently would require the presentation of a physical reference device in order to obtain that item. Examples include certain theatre ticket purchases, hotel stays, car rentals, and online purchases picked up in person. 

6.8. You must not use the Card for: 

● Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Racetracks and games of chance to win prizes of monetary value;

● Casino hotels, including: 

o Claridge Casino Hotel; 

o Grand Casino Hotels; and 

o Peppermill Hotel Casino; 

● Airlines and air carriers; 

● Freight railroads; 

● dating and escort service; or 

● any illegal purposes. 

7. Authorising Transactions 

7.1. You will need to give your consent to each Transaction by, where applicable, a) using your PIN or other security code personal to you; b) signing a sales voucher; c) providing the Card details and/or providing any other details personal to you and/or your Card. Once you have given such consent to the Transaction, it will be deemed to be authorised. 

7.2. The time of receipt of a Transaction order is when it is received by our processing partner. If a Transaction order is received after 4pm on a Business Day then it will be deemed to have been received on the next Business day. 

7.3. Certain Merchants may not accept payments made through the Card and we accept no liability for this: it is your responsibility to check the restrictions of each Merchant. 

7.4. Your ability to use or access the Card may occasionally be interrupted, for example if Program Manager or any third-party service providers need to carry out maintenance on their systems or websites. Please contact Customer Services should you experience any problems using your Card or Account and these will be resolved as soon as possible. 

8. Managing & Protecting Your Account and Card 

8.1 You will need a Personal Identification Number (PIN) in order to make payments at a Merchant with the Card. Your PIN will be available to you in the app. 

8.2 If you forget your PIN, you may retrieve it from the app. For further assistance with any PIN-related queries, please contact Customer Services. 

8.3 You must not give your Card to any other person or allow any other person to use it. 

8.4 You are responsible for your Account, Card, PIN, App and any related security details (“Security Details”) and must take all possible measures to keep them safe and entirely confidential. Such measures include (but are not limited to): 

i. never letting any other person use your Security Details; 

ii. never writing your Security Details on your Card or on anything you usually keep with your Card; 

iii. keeping your Security Details secret at all times for example, by not using your PIN if anyone else is watching. 

8.5 Failure to comply with this condition 8 may affect your ability to claim any losses in the event that we can show that you have intentionally failed to keep the information safe or you have acted fraudulently, with undue delay or with gross negligence. In all other circumstances, your maximum liability shall be as set out below at condition 12. 

8.6 If you believe that someone else knows any of your Security Details, you must notify Customer Services immediately. 

8.7 In the event that we suspect or believe that your Card may be subject to any fraud or security threats, the Program Manager will notify you securely via email, SMS, push notification or phone call. Once your Card has expired or if it is found after you have reported it as lost or stolen you must destroy it by cutting it in two through the magnetic strip. 

9 Cancellation 

9.1 You may cancel this Agreement within 14 days of agreeing to it, without providing any reason, by notifying Customer Services. Customer Services must receive your notification to cancel within the 14 day “cooling off” period. A notification must be in writing: via letter or email. Please note that you will be entitled to a pro-rata refund of fees for any Card services that you have not used during the 14-day “cooling off” period, and any funds already loaded onto the Card will be refunded to you. Please notify Customer Services using these contact details: 

● Address: Card Compact Limited, 483 Green Lanes, London N13 4BS, United Kingdom 

● e-mail: support(at)cardcompact.com 

or simply cancel using this link: https://cardbro.cardcompact.com/order-cancellation 

We have provided some suggested wording to us in your notification below, to ensure you provide Customer Services with the right information: 

I hereby revoke my Prepaid Credit Card Agreement, ordering date [XXXXX]. Your name and address 

Date 

Your signature (for paper-based notifications only) 

9.2 If the Agreement is successfully cancelled, in order to receive a pro-rata refund identified at clause 9.1, the Physical card (if issued) must be returned unused and without a signature during the cooling-off period. Please send the card to Card Compact Limited, 483 Green Lanes, London N13 4BS, United Kingdom. 

9.3 If you cancel within the cooling off period, you agree that you must pay any transaction-related fees. 

9.4 If you cancel the Agreement, Card Compact will cancel your card and your funds shall be refunded to you. Please note that you have no right to a refund of any money that has already been spent on goods or services. 

9.5 Once we have received all necessary information from you (including KYC) and all Transactions and applicable fees and charges have been processed and deducted, we will refund any Available Balance to you provided that: 

i. you have not acted fraudulently or with gross negligence or in such a way as to give rise to reasonable suspicion of fraud or gross negligence; and 

ii. we are not required to withhold your Available Balance by law or regulation, or at the request of the police, a court or any regulatory authority. 

9.6 Once your Card and Account have been cancelled, it will be your responsibility to destroy your Physical Card(s). If you wish to cancel after purchasing the Card but have not yet activated the Card and have not used the Card for any payment transactions or any purchases, you must return the Card without activating it to Card Compact Limited, 483 Green Lanes, London, N13 4BS, United Kingdom. Once Card Compact receives the Card, it will refund you the purchase amount you paid for the Card by crediting the payment instrument you used for the purchase. 

9.7 If, following reimbursement of your Available Balance, any further Transactions are found to have been made or charges or Fees incurred using the Card(s) or we receive a reversal of any prior funding Transaction, we will notify you of the amount and you must immediately repay to us such amount on demand. 

10 Expiry & Redemption 

10.1 This contract and Card has a term of 2 years after you agree to these terms and conditions and is automatically extended if you do not cancel under clause 9. 

10.2 You will not be able to use your Card following its Expiry Date. This Agreement shall terminate on the Expiry Date unless you are issued with a replacement card. 

10.3 You may redeem your Available Balance by contacting Customer Services at any time while your Account is open. Once your Account is closed, and subject to any legal obligations with which we must comply, you will be able to redeem your Available Balance at any time within six years from the date this Agreement was terminated. Card Compact will, with our approval, arrange for a transfer to be made to the bank account from which you initiated the depositing of funds, or which you have designated as the account owner for this purpose. When we process your redemption request, we may require you to provide us with KYC information and/or documents in order to verify your Personal Details in accordance with legal requirements. We may charge a redemption Fee if you request redemption of your Available Balance before, or 12 months after, expiry of this Agreement. Any such Redemption/Close Account Fee is set out in the Fees & Limits Schedule. 

10.4 We shall have the absolute right to set-off, transfer, or apply sums held in your Account or Cards in or towards satisfaction of all or any liabilities and fees owed to us that have not been paid or satisfied when due 

11 Termination or Suspension of your Card and Account 

11.1 After the end of the cooling off period detailed at clause 9, if you wish to end this Agreement you may terminate it under this clause 11. 

11.2 You may terminate this Agreement by contacting Customer Services and notifying them of your request. To terminate, use the following link: https://cardbro.cardcompact.com/order-cancellation 

11.3 When this Agreement is terminated, your Account is closed. We, or Program Manager for us, may terminate this agreement at any time by giving you two months’ advance notice (which will be sent to the email address that you have provided to us); 

11.4 We, or Program Manager for us, can suspend your Card/Account, restrict its functionality or terminate this Agreement at any time with immediate effect if: 

i. you haven’t given us the information we need or we believe that any of the information that you have provided to us was incorrect or false; or 

ii. a Transaction has been declined because of a lack of Available Balance or you do not repay money that you owe to us; or 

iii. you fail to provide the Personal Data necessary for us to comply with our legal obligations and to fulfil this Agreement; or 

iv. we reasonably suspect that the security of the Card has been compromised or that you, or any third party, have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes;

v. we believe that your use of the Card may result in harm to us or our systems; or vi. we believe that your continued use of the Card may damage our reputation; or 

vii. you become bankrupt; or 

viii. we are required to do so under Applicable Law or where we believe that continued operation of the Program may be in breach of Applicable Law; or

ix. you do not access your Account for 3 years; or 

x. we cannot process some or all of your Transactions due to the actions of third parties; or 

xi. you have breached this Agreement. 

11.5 If you wish to terminate the Agreement but have not activated the Physical Card or used the Physical Card for any payment transaction or purchase, you must return the Physical Card (if issued) in this condition to Card Compact Limited, 483 Green Lanes, London N13 4BS, United Kingdom unless you can prove to Card Compact that you have rendered the Physical Card unusable. If you wish to terminate the Agreement and have already activated the Physical Card or used it for payment transactions or purchases, you must prove to Card Compact that you have rendered the Physical Card unusable. 

11.6 In the event that we do suspend or terminate your Card then, where lawfully permitted, we or Program Manager shall notify you in advance or as soon as possible afterwards. We may advise anyone involved in the Transaction if a suspension has taken place. 

12 Loss or Theft of your Card. 

12.1 You are responsible for protecting your Card as if it were cash in your wallet – if it is lost or stolen, you may lose some or all of the money on your Card unless you contact us as specified in this condition. 

12.2 You must contact us without delay by blocking your card in the app, if you know or suspect that a Card is lost, stolen, misappropriated or subject to unauthorised use or that the PIN or any of the Security Details is known to an unauthorised person or you think that a Transaction has been incorrectly executed. 

12.3 You shall be liable for up to a maximum of €50 of losses due to unauthorised Transactions made before you informed us about the theft, loss or misappropriation of the Card. If our investigations reveal that you authorised a disputed Transaction or that you acted fraudulently or that you negligently or with intent breached the terms of this Agreement (for example, by not keeping your Card or PIN safe), you may be liable for any loss we suffer due to use of the Card. 

12.4 Once a loss, theft or unauthorised use of your Card is reported, use of the Card shall be blocked to avoid further losses. 

12.5 Replacement Cards will be sent to the most recent address you have provided and [will be subject to a Fee, as set out in the Fees & Limits Schedule]. 

12.6 You agree to cooperate with our agents, any Regulatory Authority, the police and us if your Card is lost, stolen or if we suspect fraudulent use of the Card. 

12.7 In the event that you inform us of any unauthorised or incorrectly executed Transaction without undue delay, or in any event no later than 13 months after the debit date, we will refund the amount immediately unless we have any reason to believe that the incident may have been caused by a breach of this Agreement, through gross negligence or we have reasonable grounds to suspect fraud. 

12.8 In the event of a non-executed or defectively executed Transaction, we will make immediate efforts to trace the Transaction and will notify you of the outcome. We will not charge you for such efforts. In the event that we are liable for such Transaction, we will refund the amount, together with the amount of any resulting charges to which you may be subject, without undue delay. 

12.9 In the event that a Transaction that was executed within European Economic Area arrived later than it should have according to the terms of this Agreement, you may request that we contact the receiving payment institution to ask them to treat it as if it was made on time. 

12.10 In the event that a Transaction is made which is initiated by a Payee, we will provide a refund of that amount, subject to clause 12.11, only in circumstances where you can prove that: 

12.10.1 the exact Transaction amount was not specified when you authorised the payment; and 

12.10.2 the amount of the Transaction exceeds the amount that you could have reasonably expected, taking into account your previous spending pattern, the terms of this Agreement and the relevant circumstances of the case. 

12.11 The refund referred to in 12.10 will not be provided if: 

12.11.1 the amount relates to currency exchange fluctuations; or 

12.11.2 you have given your consent to execute the Transaction directly to us; or 

12.11.3 information on the Transaction was provided or made available in an agreed manner to you at least 4 weeks prior to the due date of the Transaction; or 

12.11.4 you request the refund from us later than 8 weeks from the date on which it was debited. 

13 Payment Disputes 

13.1 If you dispute a Transaction that you have authorised, and which has been processed on your Card, you should settle this with the person you bought the goods or services from; we are not responsible for the quality, safety, legality or any other aspect of goods or services purchased with your Card. 

13.2 If your dispute with a Merchant relating to a Transaction cannot be resolved you should contact us at Customer Services, and we will attempt to assist you as far as is reasonably practicable. 

13.3 If you have reason to believe that a Transaction was carried out without your consent or in error, you may ask the Program Manager to investigate the Transaction. If an investigation occurs, the disputed amount will be unavailable to spend until our investigation is complete and if we receive information that proves the Transaction was genuine, this will be deducted from your Available Balance and we may charge you an investigation fee, subject to the Fees & Limits Schedule. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand. 

14 Foreign Exchange 

14.1 If you use your Card in a currency other than the currency in which your Card is denominated (“Foreign Currency Transaction”), the amount deducted from your Available Balance will be the amount of the Foreign Currency Transaction converted to your Account currency using a rate set by the Scheme. 

14.2 You may also be charged a foreign exchange Fee as set out in the Fees & Limits Schedule. In order to allow you to compare charges for currency conversion, you can view the real-time percentage difference between the amount that will be charged on your Card for a Foreign Currency Transaction (consisting of the mark-up applied by the Scheme as well as any other charges) and the latest available euro foreign exchange rates issued by the European Central Bank. You can view this information on the App/Website prior to making a Foreign Currency Transaction. This information will also be sent to you by push notification, email or SMS after making a relevant Foreign Currency Transaction, where required by applicable law. You are able to opt out of receiving this notification by changing your settings in the app.

15 Our Liability 

15.1 We shall not be liable for: 

i. any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds and/or failure of network services at ATMs, maximum withdrawal limits set by ATM operators and failure of data processing systems; 

ii. any loss of profits, loss of business, or any indirect, consequential, special or punitive losses; 

iii. any use of this Card that is contrary to this Agreement; 

iv. any goods or services that are purchased with the Card; and 

v. any damages due to loss, fraud or theft that you have reported to us later than 13 months after the event. 

15.2 We will not be liable to you if your contact details have changed and you have not told us. 

15.3 Where the Card is faulty due to our default, our liability shall be limited to replacement of the Card; 

15.4 Where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount. 

15.5 Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud. 

15.6 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded. 

15.7 The above exclusions and limitations set out in this paragraph shall apply to any liability of our affiliates such as the Schemes, and other suppliers, contractors, representatives and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement. For all intents and purposes of law, we are appearing hereon also as agents for our affiliates such as the Schemes, and other suppliers, contractors, representatives and any of their respective affiliates (if any), limitedly for the purpose of this clause. 

16 Complaints 

16.1 Should you wish to make a complaint about your Card and/or Account, you may contact Customer Services by email at support@cardcompact.com to submit details of any such complaint. 

16.2 Upon our receipt of your emailed complaint, we shall endeavour to respond to you as quickly as possible but in any event we shall reply to you by email and (where applicable) by phone call within 15 Business Days. 

16.3 If, having received a response from our Customer Services team, you are unhappy with the outcome you can escalate your complaint to TPML’s Complaints Department by writing to complaints@transactpaymentslimited.com. 

16.4 If TPML’s Complaints Department is unable to respond to your complaint immediately, you will receive confirmation that your complaint has been received and a formal investigation will be conducted. You will receive a formal response of their findings within 35 Business Days of your complaint. 

16.5 We will make every effort to reach a resolution to your complaint and will fully explain the reasoning behind our decision. 

16.6 In the unlikely event that we are unable to resolve your issue to your satisfaction you have the right to refer your complaint to the Arbiter for Financial Services at the following address: Office of the Arbiter for Financial Services, 1st Floor, St Calcedonius Square, Floriana FRN 1530, Malta (Telephone+ 356 21249245, Website: https://financialarbiter.org.mt) 

17 General Communication 

17.1 Any communication from us or from Program Manager to you will be given by notification on your app or by email (using the latest contact details with which you have provided us). 

17.2 You may contact Customer Services via the details which are set out in clause 1. 

18 Personal Data 

18.1 TPML will collect certain information about the purchaser and the users of the Card in order to operate the Card program. Your provision of your Personal Data and our processing of that data is necessary for each of us to carry out our obligations under this Agreement. At times, the processing may be necessary so that we can take certain steps, at your request, prior to entering into this Agreement. If you fail to provide the Personal Data which we request, we will take steps to terminate this Agreement in accordance with clause 11.1(iii) above. 

18.2 We will manage and protect your personal data in accordance with all applicable data protection laws. For full and comprehensive information about when and why we collect personal information about you, how we use it and the conditions under which we may disclose it, please refer to our Privacy Policy which is provided to you at the time we collect your Personal Data. 

19 Changes to the Terms and Conditions 

19.1 We may update or amend this Agreement at any time on at least 2 months’ advance notice, which we shall instruct the Program Manager to give you by email (using the latest contact details you have provided us with). 

19.2 If you do not agree with the changes to the Agreement, you may at any time within the 2-month notice period terminate your Agreement in accordance with condition 10 and can redeem any unused Available Balance at that time without incurring a Fee. You will be deemed to have accepted any change to this Agreement unless you notify us before the proposed date of the change. 

19.3 If any part of this Agreement is inconsistent with any regulatory requirements, then we will not rely on that part but treat it as if it did actually reflect the relevant regulatory requirement. If we need to make operational changes before we can fully comply with the new regulatory requirement, we will make those changes as soon as reasonably practicable. 

20 Language 

The English language version of this Agreement and of any communications and Website content will prevail over any other language version which we may issue from time to time. 

21 Governing Law 

21.1 This Agreement is governed by Maltese law. 

22 Jurisdiction 

22.1 You agree to the non-exclusive jurisdiction of the courts of Malta.

23 Miscellaneous 

23.1 Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time. 

23.2 The Card is a payment service product and not a deposit or credit or banking product and, as such, is not governed by the Deposit Security Scheme of Malta. However, we will safeguard your funds so that they are protected in accordance with Applicable Law if we become insolvent. 

23.3 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect. 

23.4 You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until all Cards issued to you are cancelled, terminated or have expired and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits under this Agreement to a third party and may subcontract any of our obligations under this Agreement 

FEES

LOAD OPTIONS

The following load channels are available.

• Bank and SEPA transfer 
• e-wallet Money transfer if offered
• Payments by third parties, e. g. for salary, commission, rental receipts, 

Please note that, for security reasons, some inward payments must be retained and may not be made available to the cardholder for up to 14 days. Refer to the “How can I upload Funds” FAQ section of the web site for full details.

The following limits apply in €

Load limits/FDD/EDD 

POS AND ATM LIMITS