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MyPocket Terms of Use

Valid as of 1 November 2023

Introduction

These general Terms of Use (the "ToU") lay down the terms of use under which Fair-eZone, a French Simplified Joint Stock Company ("Société par actions simplifiée") registered in Tours, France under no. 800 845 323; registered address: 27 rue Mansart 37300 Joué-lès-Tours, France, makes the Site and the Mobile Application ("MyPocket") available to the Users, as well as the Parties' mutual obligations as part of the use of the Services.

It should be noted that MyPocket is a digital service provided exclusively online, without any branch or office, and that Fair-eZone does not receive any customers at its head office address or at any other address.

The Users shall therefore be deemed to have accepted these ToU in full, without reservations, prior to any use of the Services.

These Terms of Use are between you (the User) and Fair-eZone.

Please note that these Terms of Use are separate and distinct from Monavate's Terms & Conditions, which regulate the relationship between you (the User) and the issuer of MyPocket cards.

Fair-eZone is the distributor of MyPocket Cards, Manigo is a technical services provider within the meaning of the payment services regulations 2009 and supports the provision of Payment Services by Monavate. By accepting these Terms of Use, the User is deemed to accept Monavate's Terms & Conditions, which are available here.

Should the Users not accept these Terms of Use, they must refrain from using the Site and the Services.

The Users may procure a copy of these contractual documents at any point in time and at no cost by accessing the Mobile Application or the Site.

Any terms beginning with a capital letter in these ToU shall have the meaning that is imparted to them in the "Definitions" Appendix.

Article 1 - Terms of access to the Services

1.1 Terms of access to the Services

The Users must be natural persons who are aged over 18 and reside in one of the countries of the European Economic Area (EEA) or the United Kingdom; they must have full legal capacity and must only use the Services on their own behalf and for personal purposes.

Any Users who do not comply with the abovementioned prerequisites may not use the Services, whether wholly or partly. In case of a false declaration, the Users moreover acknowledge that they run the risk of a unilateral rescission of these ToU by Fair-eZone, notwithstanding the civil remedies or criminal punishments that they may also face as a result.

The Users are hereby informed that the Services are based on the Cardholder Terms & Conditions of Monavate, which implies their prior acceptance of the Monavate T&Cs.

The Users acknowledge and agree that Monavate imposes additional preliminary requirements that are indispensable for the use of the Payment Services, which they familiarise themselves with carefully prior to any use of these Payment Services.

1.2 Registration

In order to register, the Users should enter their profile by providing their first name, family name, title, date of birth, country and place of birth, telephone no., Identifiers, country of residence, full address and default currency.

The default currency must be either the Euro (EUR) or the pound Sterling (GBP).

The Users must then produce an identity document, then a selfie with his identity document in hand as well as proof of address. Then, they will be asked to complete their registration with personal information, like occupation, and financial and banking data, then choose a subscription formula. Once these documents received, Fair-eZone shall perform Customer Due Diligence as indicated in the following chapter.

Once the Users fully approved, they will be asked to deposit money on their Account for the first time.

1.3 Customer Due Diligence

As part of its obligations in terms of preventing fraud and money laundering, Fair-eZone has an obligation to check the identity of its Users and the address where they reside. To that end, the documents provided by the User shall be inspected to ascertain their authenticity and validity. Access to the Payment Services shall only be made available to the Users once they have been fully approved.

The Users undertake to keep their personal data up-to-date. To that end, they undertake to update their personal information as soon as possible in case of a change of address or telephone no.

Any Users who fail to comply with these prerequisites run risk that the following may happen, without any compensation whatsoever being due:

  • They may be barred from using the Payment Services,
  • Instructions may be imposed on their use of the Payment Services,
  • Their Transactions may be rejected or cancelled automatically.

1.4. Subscription

The MyPocket Service is available on a monthly or yearly subscription. The various subscription formulas are presented in the "Fees and Limitations" Appendix and feature specific usage fees and limitations.

Where the Users choose a fee-paying subscription formula, the corresponding costs shall be debited from their Available Balance on the first day of their subscription to the new formula they chose, and shall be valid for the chosen duration. The Users shall be billed automatically on the anniversary date of each subscription period (monthly or yearly) for the fees applicable to the next period. In order to avoid these fees being billed to them at that point, Users may switch from a fee-paying subscription to the free subscription formula prior to the renewal date.

Users who switch from a fee-paying subscription formula to a free subscription formula at a time when the current subscription period has not yet ended shall continue to benefit from the services of the fee-paying formula until the end of the period for which they paid their subscription.

Should any Users fail to pay the fees associated with a fee-paying subscription, their fee-paying subscription formula shall be rescinded and they shall be switched onto the free subscription formula, in keeping with the terms that are set out below.

When the time comes to debit the fee that is due for a User's fee-paying subscription, should the Available Balance be insufficient to cover the corresponding fee, the User shall be summoned to credit their Account as soon as possible. Users who have not credited their Accounts on the date on which the fee is due to be debited shall be automatically switched from their fee-paying subscription to the free subscription formula. Users shall have to credit their Accounts with sufficient funds in order to be able to once again subscribe to a fee-paying subscription formula.

Article 2 - The Services

The Payment Services mentioned below can only be activated if the Users have transmitted the information required for the Customer Due Diligence and if Fair-eZone has approved the Users.
Fair-eZone and KYC provider will store all these documents and information provided by the Users, in line with data retention rules.

2.1. The MyPocket Account and Card

2.1.1. The MyPocket Account

Once a User is fully approved, Fair-eZone shall open an Account for them on the books of Monavate and a bank account number shall be allocated to that account.

The format of this account number shall depend on the default currency chosen by the User upon registration:

  • Should the User have chosen EUR as their default currency, the account number shall take the form of an IBAN number
  • Should the User have chosen GBP, as their default currency, the account number shall consist of a British account number combined with a "sort code" identifying the financial institution

 

In both cases, the account number that is allocated shall enable Users to receive incoming transfers (credit the Account) and to perform outgoing transfers (debit the Account) from/to a bank account that is external to MyPocket.

2.1.2. The MyPocket Cards

Once their Account has been opened, the Users may make an initial deposit of funds into it (see Article 2.3).

The User has the possibility to ask for a virtual Card, which can be used for online payments.

Customers will also be able to order a physical Card if they wish. The MyPocket Card is an international card, with the contactless payment option enabled by default, usable throughout the Mastercard network until the last day of the month indicated on the Card.

Both Cards can be used until the last day of the month indicated on the Card.

The MyPocket Card is not a credit card and is not issued by a bank. There is only one Account into which the Available Balance is deposited. The reference to the EUR or GBP currency shows the Available Balance in this currency or its equivalent in the currency of the country in which the Card is denominated. The Available Balance of the MyPocket Card and/or the Account shall not bear interest.

Any Transaction using the MyPocket Card in a currency other than that in which the Card is denominated shall require a foreign exchange Transaction to be performed at the Applicable Exchange Rate.

a. Ordering a MyPocket Card

Users should order their MyPocket Card via the Mobile Application.

The virtual Card is available in the MyPocket app as soon as it is ordered.

The physical Card shall be sent out to the address declared by the User. It must be activated before its first use as mentioned in the section b.

The MyPocket Cards may be offered free of charge or at the rate indicated in the "Fees and Limitations" Appendix, depending on the conditions displayed on the Site.

b. Activating the MyPocket physical Card

Activation of the physical MyPocket Card is required before its first use.

  • Upon receipt of the MyPocket physical Card, the User must activate it by entering the "CH-ID/ # token" code printed on the back of the Card into the Mobile Application. The Card is accompanied by a letter describing the activation procedure in detail.

 

For the physical Card, The PIN code of the Card is accessible in the MyPocket Application. Activation of the physical Card via the Mobile Application is free of charge.

c. To deactivate the contactless payment option

After activating their physical Card, the Users should make a payment or a withdrawal by entering their PIN code in order to activate the contactless payment option. The Users may deactivate the contactless payment option of their Card directly via the Mobile Application.

d. Locking/unlocking the MyPocket Cards

The Users may lock or unlock their MyPocket Cards when needed. This can be done directly in the Mobile Application.

e. Reporting the MyPocket Card as lost or stolen

In case of loss or theft of their MyPocket Card, or should Users believe that someone who they have not registered as an authorised person is using their Card, their PIN code and/or their Identifiers, or in case of damage to or malfunction of their Card, the Users:

  • Should initially lock their Card as mentioned in the section d, and then unlock it if they find it or if their concerns about an unauthorised use thereof are allayed
  • Should this not be the case, they should then declare their Card as lost or stolen:
    • Either via the Mobile Application
    • Or by emailing at support@mypocket.io

 

The Card will then be deactivated by the MyPocket customer service, and a new MyPocket Card shall then be sent to the address declared by the User in the Mobile Application.

The procedure for managing the loss or theft of Cards and their replacement with a new MyPocket Card is subject to the payment of the fees mentioned in the "Fees and Limitations" Appendix.

Should Users subsequently find or recover a Card that they reported as lost, stolen or misused, they must destroy it immediately by cutting it in two through the magnetic strip and the chip and should inform Fair-eZone.

If the User's Card has been used by an unauthorised person, the User has the possibility to make a dispute request by completing a form provided by customer service on request. No refunds will be made until Fair-eZone has completed its investigation.

Fair-eZone reserves the right not to reimburse the User if it deems that the User had not acted in accordance with the present Terms of Use.

f. Changing the PIN code

It is possible to change the PIN code in any ATM cash machine with this functionality.

A change of PIN code may be subject to fees, as set out in the "Fees and Limitations" Appendix.

g. Retrieving a PIN code via the Mobile Application

Users who forget their PIN code may retrieve it via the Mobile Application.

h. Renewal of the MyPocket Card

Any expiring MyPocket Card may be renewed. Users with an expiring Card will be notified by email. Users must then confirm or change their mailing address for the shipment of the new card, if they decide to order a new Card, and pay the renewal fee set forth in the "Fees and Limitations" Appendix.

In the absence of a response from the User, Fair-eZone considers that the User does not wish to renew the Card and takes no further action.

2.2. Viewing the Available Balance

The Users may view their Available Balance free of charge in real time via the Mobile Application.

The real-time balance may not take into account pending debits. Despite this, MyPocket will provide you with information on pending debits as soon as it becomes available.

2.3 Reloading the Account

The Users may deposit Electronic Money into their Account by making a bank transfer from another bank account to their MyPocket account no.:

  • a SEPA Transfer if they chose EUR as their default currency,
  • a GBP Transfer if they chose GBP as their default currency.

The User's Account shall be credited in keeping with the terms laid down in the Monavate T&Cs, minus any fees that may be due.

The reloading of their Accounts may cause the Users to incur fees, and is subject to limits as set out in the "Fees and Limitations" Appendix.

Fair-eZone shall not be liable for the payment process or the costs charged by the bank(s) and/or the intermediary bank(s) to make the payments that you made to Fair-eZone.

Fair-eZone deducts the costs charged by third parties to receive, process or credit payments to the Users before crediting the balance of the Users' Accounts. Users should check and confirm the payment references and the costs and fees charged before making a payment into their Account.

Fair-eZone may request that Users provide evidence of the source of the funds to comply with its regulatory obligations; should this be the case, the Users undertake to immediately provide the evidence that is requested. The Users represent and warrant that the evidence that they provide shall be up-to-date, complete and accurate.

2.4. Direct Debits

The Direct Debit function is not available with a MyPocket account.

2.5. Withdrawing cash

The Users may use their MyPocket physical Card in any ATM to withdraw cash. The amount that may be withdrawn shall be subject to the Available Balance, which shall be checked there and then; if the sum sought is greater than the Available Balance, the withdrawal shall be rejected.

A cash withdrawal is a Transaction that may be subject to fees depending on the subscription formula taken out by the User, as mentioned in the "Fees and Limitations" Appendix.

Fees shall be billed to the Users for any withdrawal that is rejected owing to an insufficient Available Balance, as set out under the "ATM withdrawal decline fee" section of the "Fees and Limitations" Appendix.

2.6. Payments

Payments for goods or services may be made using the MyPocket Card or via outgoing bank transfers (SEPA Transfers or GBP Transfers).

The MyPocket Card may be used to make online payments within the limits mentioned in the "Fees and Limitations" Appendix on any site that accepts Mastercard payments or at any physical point of sale that accepts Mastercard cards:

  • For all online payments, the 3D Secure option must be activated. Please note that for some sites, the CVV is sufficient to authorise a transaction.
  • For payments at a physical point of sale:
    • Contactless payment without using a PIN code may be made to the extent of the caps imposed by the prevailing regulations, provided that the contactless payment option is activated and the merchant accepts contactless payments.
    • In all other cases, the Users must enter their PIN code to confirm a payment.

 

Prior to making any Payment, the Users must check that they have a sufficient Available Balance to pay for the Transaction and for the related fees and costs. If for any particular reason a Transaction is processed but its amount exceeds the Available Balance, the User involved must immediately pay the excess; in the meantime, Fair-eZone shall be entitled to stop the processing of any pending or subsequent Transactions.

Fees shall be billed to the Users for any attempted payment that is rejected owing to an insufficient Available Balance, as set out under the "Payment decline fee" section in the "Fees and Limitations" Appendix.

2.7. The Money Sending Services

For each of the Money Sending Services mentioned below, the Users must state the purpose of the transfer and the amount to be sent; this information may be analysed for the purpose of the prevention of fraud and money laundering.

2.7.1. The Pocket to bank service

This is a service for sending Electronic Money to a bank account.

SEPA or GBP Transfers are Electronic Money Sending Services in EUR or in GBP issued by a User to the bank account of a Beneficiary that is a natural or legal person, in the SEPA zone.

Users may use SEPA or GBP Transfers to withdraw money from their Account and transfer it to their own bank account held on the books of another financial institution.

a. SEPA Transfers

This is the transfer mode that is used when the currency of the source Account is in euros (EUR). The sending of Electronic Money to a Beneficiary's account also takes place in euros.

To identify the Beneficiary (or themselves if withdrawing money from their Account to their personal bank account), Users who issue a SEPA Transfer must state the account holder's name, the BIC/SWIFT code of the Beneficiary's bank and the IBAN code of the Beneficiary's account.

Then, the Users must key in the amount to be sent, and the purpose of the transfer.

SEPA Transfers may be subject to fees as set out in the "Fees and Limitations" Appendix.

b. GBP Transfers

This is the transfer mode that is used when the currency of the source Account is in pounds Sterling (GBP). The sending of Electronic Money to a Beneficiary's account also takes place in pounds Sterling.

To identify the Beneficiary (or themselves if withdrawing money from their Account to their personal bank account), Users who issue a GBP Transfer must state the account holder's name, the sort code of the Beneficiary's bank and the number of the Beneficiary's GBP account.

Then, the Users must key in the amount to be sent, and the purpose of the transfer.

GBP Transfers are subject to fees as set out in the "Fees and Limitations" Appendix.

2.7.2. The Pocket to Pocket Service

This is a service for sending Electronic Money between MyPocket Users.

Both the Users who send Electronic Money and the Beneficiaries of the transfers must be MyPocket Users and must be fully approved by Fair-eZone. The Beneficiaries must moreover be natural persons.

To identify a Beneficiary among the list of existing MyPocket Users, Users who issue a Pocket to Pocket transfer must state the telephone no. or e-mail address of the Beneficiary involved. Should the Beneficiary not yet be listed as a MyPocket User, the issuing User may ask the Beneficiary to register for MyPocket (see Article 2.7.4).

Then, the Users must key in the amount to be sent, and the purpose of the transfer.

Pocket to Pocket Transfers are subject to fees charged to the Users who issue such transfers, depending on the subscription formula that they shall have taken out, as set out in the "Fees and Limitations" Appendix.

2.8. Sponsorship scheme

MyPocket operates a sponsorship scheme under which existing Users (the "Sponsors") may invite one or more persons who are not yet Users (the "Sponsored"). The principle of the sponsorship arrangement is to offer the Sponsor and Sponsored promotional benefits as part of their use of the MyPocket Services.

The details of the benefits offered shall be defined prior to the launch of a sponsorship campaign published on the Site and disclosed to existing Users.

2.9. Account statements

Users may view their account statements in PDF format directly within the Mobile Application and have them sent to them by e-mail if they wish.

2.10. Limitations of the Services

Limitations may be imposed on the Users' Transactions depending on the subscription formula that is chosen and the ways in which the Users use their Accounts. MyPocket Cards are issued in accordance with all applicable regulations and limitations. The limitations that apply to the use of the MyPocket Cards are set out in the "Fees and Limitations" Appendix and on the Web Site. For the purpose of the prevention of fraud and money laundering, Fair-eZone shall be entitled to modify certain payment restrictions (including those that are published or mentioned here) without notice, to the extent that is required to comply with its regulatory obligations.

2.11. Security and confidentiality

Fair-eZone undertakes to protect its services in keeping with the applicable rules and regulations and the highest standards of the profession. For instance, Fair-eZone shall do everything in its power to ensure the security and the confidentiality of the Users' data, in accordance with the prevailing rules and regulations.

Fair-eZone shall be entitled to temporarily suspend access to the Site or to the Services for technical reasons, or for reasons of security or maintenance, without these suspensions giving rise to any compensation. Fair-eZone undertakes to limit these interruptions to what is strictly necessary.

The Users are fully aware of the risks linked to the loss or theft of their Identifiers, the piracy of their equipment or any other fraudulent activities that might enable an unauthorised use of their Account. Fair-eZone therefore disclaims liability towards the Users for any errors, omissions, interruptions or delays of transactions performed via the Site or via the Mobile Application as a result of anauthorised access. Neither may Fair-eZone be held liable for the theft, destruction or unauthorised disclosure of data resulting from an unauthorised access to the Site or the Mobile Application.

The User agrees to notify Fair-eZone immediately of any unauthorized use of his/her login credentials or any other breach of security, either through the mobile Application or by contacting customer service at the following address: support@mypocket.io

All transactions are processed by automated methods, and anyone who obtains a User's login credentials may use them to transfer money without the User's permission.

If the User provides his/her cell phone or access credentials to the MyPocket services to a third party, if a third party uses the User's login credentials, or if the User negligently makes his/her cell phone or access credentials available to a third party who then uses them, the User will be liable for the transactions made and for any other use or misuse of his/her account until Fair-eZone and Monavate have been notified otherwise. Fair-eZone may ask the User to close his account and open a new one, and/or to change his MyPocket Services access credentials.

Article 3 - Protection of the funds

The funds corresponding to the Users' Available Balance are kept separate from the funds belonging to Fair-eZone and Monavate, in an account opened with a bank, and are segregated by the latter in accordance with the applicable regulations ("Electronic Money Regulations 2011"). Should Fair-eZone and/or Monavate become insolvent, these funds would be protected from the claims of their creditors.

Article 4 - Right to withdraw

The Users shall have a timescale of 14 (fourteen) days to exercise their right to withdraw, in keeping with the terms that are set out in the Monavate T&Cs, bearing in mind that this timescale shall begin to run on the date of the creation of the User's Account. Should a User opt to withdraw, their Available Balance shall be returned to them and any costs incurred by the User in subscribing to a fee-paying subscription formula shall be refunded, minus any costs that the User shall have incurred come the effective date of the withdrawal.

Article 5 - Liability

Fair-eZone shall only be liable to the Users for any direct tangible and foreseeable damage linked to the provision of the Site and the Mobile Application, in accordance with the standard rules of law.

The Users acknowledge that Fair-eZone shall not be liable in any way in case of:

  • Losses or damage resulting from the Users' non-compliance with these ToU or the Monavate T&Cs,
  • Inaccuracy of the identification data of the Users or of the Beneficiaries as disclosed to Fair-eZone by the Users,
  • Losses or damage resulting from the acts of a User and/or of a third party and/or from force majeure,
  • Losses or damage resulting from any other event beyond Fair-eZone's control,
  • Any unilateral rescission of the Services by Fair-eZone.

 

Fair-eZone shall not be involved in any way in the legal and/or commercial relationships and the disputes between the Beneficiary and the User.

The Users are reminded that access to the Site and to the Services shall be conditional upon their providing to Fair-eZone identification data about them that is accurate and up-to-date. In case of a false declaration, the Users hereby acknowledge that they run the risk of a unilateral rescission of these ToU by Fair-eZone, notwithstanding the civil remedies or criminal punishments that they may face as a result.

Article 6 - Intellectual property

All the elements of the Site and the Mobile Application belong to Fair-eZone or are operated under license by Fair-eZone.

Fair-eZone and its partners respectively own all the rights, such as all the intellectual property rights, over all the elements that they provide to the Users as part of the Site and the Services.

The Users are hereby informed that any full or partial showing or reproduction of the Site by any process without the express authorisation of Fair-eZone is strictly prohibited. Only the temporary reproduction and showing of the Site for private and personal use, to the extent of the strict requirements of the Services or of browsing the Site, shall be permitted.

"MyPocket" is a registered trademark of Fair-eZone.

"Mastercard" is a registered trademark of Mastercard International Incorporated.

Article 7 - Personal data

"Personal data" shall mean any information concerning a User that is obtained directly via the Site, the Mobile Application or through Monavate/Manigo, including identification information and personal financial data concerning the Transactions.

Fair-eZone, in its capacity as data controller, may gather and process the Users' personal data for the purposes of providing the Services.

In accordance with France's data protection law no. 78-17 of 6 January 1978, as modified subsequently, and the European GDPR Regulation no. 2016/679/EU of 27 April 2016, the Users have the following rights over their personal data, in keeping with the terms laid down by the applicable regulations: a right to access the data, a right to rectify the data, a right to oppose the processing of the data, a right to request the erasure of the data, a right to limit the processing of the data and a right to request the portability of the data.

The Users may exercise their rights at any point in time by sending:

  • Either an e-mail to the following address: legal@fair-ezone.com,
  • Or a letter by registered post with acknowledgement of receipt to the following address:
    Fair-eZone, 27 rue Mansart 37300 Joué-lès-Tours, France.

 

Additional information about the processing of personal data as part of these ToU and about the Users' rights is available in the privacy policy of Fair-eZone (accessible on the Site).

Article 8 - Prevention of money laundering and the financing of terrorism

In the course of providing its Services, Fair-eZone has a duty of vigilance for the purpose of the prevention of money laundering and the financing of terrorism. Fair-eZone may therefore have to ask the Users for additional information, at any point in time, in the course of the provision of the Services.

No claims and no civil liability lawsuit may be brought against Fair-eZone, its senior officers or its servants or agents for filing the declarations stipulated by the regulations in good faith with the relevant Authorities.

The Users are hereby informed that any Transaction performed under these ToU may be disclosed to the competent Financial Information Unit. The Users may, in accordance with the applicable regulations, request access to all the information that is thus disclosed, provided that this right of access does not jeopardise the aim of combating money laundering and the financing of terrorism where the data involved concerns the requesting party.

Article 9 - Force majeure

The Parties shall not be held liable, or deemed to have violated these ToU, in case of a delay or non-performance of their obligations, if the cause is due to circumstances of force majeure defined, according to article 1218 of the French Civil Code, as an unforeseeable, unavoidable event beyond the debtor's control, suspending or terminating the contract depending on the nature of the impediment.

Article 10 - Duration, suspension, closing of the Account and rescission

The contract framed by these ToU is hereby formed for an open-ended term.

10.1. Closing of the Account

10.1.1. At the Users' initiative

Any Users wishing to close their account before they have been fully approved pursuant to the Customer Due Diligence should contact Customer Service by sending an e-mail to support@mypocket.io.

Any Users who have been fully approved but have not yet taken out a subscription or paid any money into their account should also contact Customer Service.

In both these cases, the Users shall be dispensed from paying any account closure fees.

After that, Users may request the closure of their Account directly within the Mobile Application. Their Account shall be closed within 30 days following their request. The Available Balance shall be sent to their personal bank account, after deduction of the Account closure fees as set out in the "Fees and Limitations" Appendix.

The Users shall not be entitled to the reimbursement of any subscription costs that they may already have used up.

In all cases of account closure requests, an identity check may be requested to verify the authenticity of the request with respect to the account holder. For security reasons, proof of destruction of the Card may also be requested.

10.1.2. At Fair-eZone's initiative

Fair-eZone shall be entitled to suspend or to rescind the Payment Services in keeping with the terms that are set out in these ToU. A rescission at the initiative of Fair-eZone or Manigo or Monavate shall not give rise to any right to compensation.

In the event of serious breaches, fraud, or payment defaults on the part of the Users, Fair-eZone shall be entitled to suspend or to rescind these ToU without notice. The rescission of these ToU shall lead to the rescission of the Monavate T&Cs (and vice-versa) and therefore to the closure of the Account.

If the Available balance of a User Account is null or below the fee due for monthly management fees or inactivity fees mentioned in the "Fees and Limitations" Appendix, Fair-eZone may suspend or rescind the Account of said User without notice.

10.1.3. Account closure restrictions

The User may not close his Account to evade an investigation. If the User attempts to close their Account while Fair-eZone or the Monavate are conducting an investigation, Fair-eZone or Monavate may freeze the Account in order to protect themselves.

The User will also remain responsible for all obligations associated with his account, even after it has been closed.

Article 11 - Miscellaneous provisions

11.1. Modification of the Services and of the ToU

The Users expressly acknowledge and accept the fact that Fair-eZone may have to modify the Services and these ToU unilaterally. The Users shall be informed about any such modification by any means chosen by Fair-eZone. The Users may reject these modifications by opting to stop using the Services and/or by closing their Account in keeping with Article 10 -.

11.2. Severability

Should any of the provisions of these ToU be deemed to be null and void, it shall be deemed to have been struck out and this shall not lead to the annulment of the other provisions.

Should one or more provisions of these ToU become null and void or be declared as such in application of a law, or a regulation or pursuant to a final ruling of a court or authority that has jurisdiction, the other provisions shall continue to be fully binding upon the Parties. The provisions that are declared null and void shall then be replaced by provisions that are as close as possible to the essence and purpose of the provisions initially agreed upon by the Parties.

11.3. Lack of waiver

Should either Party fail to avail itself of any violation of these ToU, this shall not be tantamount to a waiver of the right to avail themselves of any other subsequent identical or different violation. Should any of the provisions of these ToU be declared null and void by the application of a law, a regulation or pursuant to a final ruling by a court or authority that has jurisdiction, it shall be struck out and the other provisions shall retain their scope and ambit, unless the law provides otherwise.

11.4. Seizure on MyPocket account

A seizure on User's MyPocket account can be carried out in the following cases:

  • In the event of unpaid bills (taxes, fines, canteen fees) to the administration (State, municipality, hospital, etc.), you may be subject to a French "Saisie Administrative à Tiers Détenteur (SATD)" (Administrative Seizure by Third Party).
  • If the User owes money, he is a debtor. A French "Saisie Attribution" (Seizure of assets) can be made on User's account to repay the sum (in full or in part).

 

If Fair-eZone receives a "Saisie Administrative à Tiers Détenteur (SATD)" notice from the Public Treasury or a "Saisie Attribution" deed from a bailiff, Fair-eZone is obliged, on the one hand, to provide the information requested and, in particular, the balance of User's MyPocket account, and on the other hand, to block his account.

If there is a sufficient balance on User's MyPocket account, Monavate will deduct the amount due from User's account. However, a sum equal to the amount of the French "solde bancaire insaisissable (SBI)" (unseizable bank balance) will be left at his disposal.

The User also has 15 days to provide Monavate with proof of the non-seizable sums (such as medical expenses, specific solidarity allowances, integration allowances) that can be credited to his MyPocket account.

At the end of a 15-day period following the blocking, if the balance of User's account is sufficient, Monavate will isolate the amount of the debt so that he can freely use his MyPocket account.

For further information please consult the following links:

  • French site " Saisie Administrative à Tiers Détenteur " for Administrative Seizure by Third Party
  • French site " Saisie sur compte bancaire " for Seizure of assets

 

11.5. Assignment of the contract

The Users acknowledge and agree that Fair-eZone may freely transfer, vest or assign its rights and obligations arising from these ToU in any form whatsoever to any third party of its choosing. The Users shall be informed about this assignment. Should any Users be opposed to this assignment, they should stop using the Services. The Users may not under any circumstance transfer or assign their rights and obligations under these ToU to a third party whether free of charge or in return for consideration, in any form whatsoever, without first securing the express consent of Fair-eZone.

11.6 Agreement over what constitutes valid evidence

The Users hereby acknowledge the validity and the evidential value of the electronic messages sent by Fair-eZone, the digitised documents exchanged as part of the Services, and any electronic records kept by Fair-eZone or its partners as part of the Services. This contract is neither designed to nor shall result in limiting any other form of evidence at the Parties' disposal.

11.7 Claims

Should the Users or any Beneficiary have any complaints or wish to make any claims, they should contact MyPocket Customer Service by e-mail: support@mypocket.io.

Fair-eZone does not receive any client at its head office address, nor at any other address.

No dispute or claim can be reported or settled in person, and no customer can be received physically at the head office address or at any other address. In fact, any dispute or claim is settled remotely by the MyPocket customer service department as indicated above.

You must note that Manigo does not respond to anonymous complaints. Each complaint must include at least the following:

  • Your name;
  • The e-mail address you used to create your account (if different from the e-mail you used to contact us);
  • Your telephone number;
  • A clear description of the complaint;
  • Any documentary evidence to support your complaint.

Where investigation into a complaint requires additional information or documents, the User shall provide these to Fair-eZone without delay.

Fair-eZone will acknowledge receipt of User's complaint no later than 5 working days after receipt. Fair-eZone will do its utmost to resolve User's complaint without undue delay and no later than 15 working days from its submission or completion with the necessary additional information and/or supporting documentation provided by the User. In exceptional circumstances, Fair-eZone will do its best to provide the User with a final response within 35 business days of submission or completion with additional information and/or supporting documentation. In such cases, Fair-eZone will keep the User informed of the progress of his request.

In complex cases where Fair-eZone is unable to resolve the User's complaint, if the User is not satisfied with our response, or if the complaints is not resolved in a timely manner, the User may contact the mediator according to their residence address.

a. In Europe:

The User can apply to Bank of Lithuania for settlement of the dispute:

  • by post: send the complaint to Bank of Lithuania, Totorių g. 4, LT-01121, Vilnius, Lithuania or Žalgirio g. 90, LT-09303, Vilnius, Lithuania;
  • by fax: (85) 268 0038;
  • by e-mail: to info@lb.lt or pt@lb.ltor
  • by any other means specified by the Bank of Lithuania.

The Bank of Lithuania website is https://www.lb.lt/en/.

More information on dispute settlement procedure is available on the website of the Bank of Lithuania: https://www.lb.lt/en/dbc-settle-a-dispute-with-a-financial-service-provider.

b. In the UK:

The User can apply to Financial Ombudsman Service for settlement of the dispute:

  • by post: send the complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, United Kingdom;
  • by telephone: 0845 080 1800; or
  • by e-mail: to enquires@financial-ombudsman.org.uk

 

The Financial Ombudsman Service website is www.financial-ombudsman.org.uk

Fair-eZone maintains a complaints log and records each complaint received in accordance with regulatory requirements.

Article 12 - Restricted Activities

12.1. Activities

User, in connection with his use of MyPocket, or in the course of his interactions with Monavate, MyPocket, other Users, or third parties, shall not:

  1. Breach these Terms of Use, or any other agreement or policy that he has agreed to with MyPocket, Monavate, the Account provider or a card processor;
  2. Violate any law, statute, ordinance, or regulation;
  3. Use MyPocket to purchase or sell, or to facilitate the purchase or sale of, illegal goods or services, including, but not limited to: unlawful sexually oriented materials or services, counterfeit products, unlawful gambling activities, fraud, money laundering, the funding of terrorist organizations, or the unlawful purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances;
  4. Infringe MyPocket or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
  5. Provide false, inaccurate or misleading information;
  6. Instruct Fair-eZone to send or receive what Fair-eZone reasonably believe to be potentially fraudulent funds on his behalf;
  7. Refuse to cooperate in an investigation or provide confirmation of his identity or any Information he provides to Fair-eZone;
  8. Attempt to "double-dip" during the course of a Dispute, Chargeback, Reversal or other investigation, with "double-dipping" being defined as intentionally or knowingly receiving or intentionally or knowingly attempting to receive funds from both MyPocket and a merchant or Monavate for the same Transaction;
  9. Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;
  10. Conduct his business or use MyPocket in a manner that is likely to result in or may result in complaints, Disputes, Reversals, Chargebacks, fees, fines, penalties or other liability to MyPocket, other Users, third parties or itself;
  11. Use his Account or MyPocket in a manner that Monavate, Visa, Mastercard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;
  12. Allow his Account to have a negative balance;
  13. Take any action that imposes an unreasonable or disproportionately large load on Fair-eZone infrastructure; facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy the website without Fair-eZone's prior written permission; or interfere or attempt to interfere with the MyPocket Services;
  14. Take any action that may cause Fair-eZone to lose the services of its Internet service providers, payment processors, or other suppliers;
  15. Circumvent any MyPocket policy or determinations about his Account such as temporary or indefinite suspensions or other Account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional Account when an Account has a negative balance or has been restricted, suspended or otherwise limited; creating new or additional Accounts using Information that is not his own (e.g. name, address, email address, etc.); or using someone else's Account;
  16. Refuse to cooperate in an investigation or provide confirmation of his identity or any Information he provides; or
  17. Use the MyPocket Card in a manner that, in Fair-eZone's opinion, may constitute a violation of any applicable electronic payment network rules, card association or network rules, or applicable law.
  18. Use the MyPocket Card to trade FX for speculative purposes or for FX arbitrage.
  19. If an Account is used to conduct (or to attempt to conduct) Transactions that, in Fair-eZone's opinion, are not permitted by these Terms of Use (such as one of the activities set forth above) or by applicable law, Fair-eZone may, in its sole discretion, and without waiving any of its rights, freeze, close, suspend, terminate or limit the access to MyPocket. Fair-eZone reserves the right to refuse to facilitate any Transaction.

 

12.2. Shares

If Fair-eZone or Monavate believe, in their sole discretion, that the User has engaged in restricted activities in connection with its support of Monavate's provision of Payment Services, they may take various actions to protect themselves, other Users, other third parties or you from liability. The measures that Fair-eZone or Monavate may take include the following:

  1. Close, suspend, or limit the User's access to his Account or MyPocket services (such as limiting access to any of the payment methods, and/or the User's ability to send money, make withdrawals, or delete financial Information).
  1. Contact users who have transacted with the User, contact the user's bank or debit card issuer, and/or inform other users, law enforcement, or third parties involved in the User's actions;
  2. Update inaccurate Information provided to them;
  3. Refuse to provide the User with the MyPocket Services in the future;
  4. Take legal action against the User; and
  5. Reserve the right, at their sole discretion, to terminate these Terms of Use, access to the website or access to the MyPocket Services, for any reason and at any time, after informing the User.

Article 13 - Applicable law and settlement of disputes

These ToU are governed by French law; any dispute between the Parties in connection with these ToU shall be brought before the French courts that have jurisdiction.

 

 

 

Appendix - Definitions

 

MyPocket: shall mean the Mobile Application developed by Fair-eZone that gives Users access to the daily banking services.

Fair-eZone: shall mean the French fintech that developed and owns the MyPocket mobile application. It is the distributor of MyPocket Cards.

Mobile Application: shall mean the MyPocket mobile application that is downloadable free of charge from the App Store or from Google Play and that enables the Users to access the Payment Services.

Electronic Money: shall mean a monetary asset registered in the Users' Accounts upon receipt of funds in their name, and equal to the amount of funds received.

Beneficiary: shall mean a natural or legal person acting on its own behalf, designated by a User and to whom Electronic Money is transferred as part of an Electronic Money transfer Transaction.

ToU: shall mean these general Terms of Use, which form a contract between the Users and
Fair-eZone concerning the use of the Site, of the Mobile Application and of the Services, completed by the Monavate T&Cs and any other document expressly mentioned in the latter.

Card(s) or MyPocket Card(s): shall mean a prepaid Mastercard debit card distributed by Fair-eZone, issued by Monavate and linked to the Users' Accounts. These Cards may be virtual or physical and may be used to spend the Users' Available Balance wherever Mastercard cards are accepted.

Account: shall mean a User's secure personal space, to which only they have access using their Identifiers and in which they may input their personal data. Once a User is fully approved by
Fair-eZone, this Account is associated to a data account opened in the books of Monavate, which records the Available Balance, the Transaction data as well as other transactions.

Monavate T&C or Monavate Term and Conditionshall mean the Term and Condition of the issuer of MyPocket Cards. By accepting these ToU, the Users undertake to adhere to the Monavate T&Cs and to have a direct contractual relationship with Monavate that governs the use of the Payment Services provided via the website and the Mobile Application for the purpose of the Transactions.

Manigo Services Limited or Manigo: means the technical service provider under the terms of the payment services regulations 2009 who provides support to the provision of Payment Services to you by Monavate.

European Economic Area or EEA: the European Union ("EU") member states, as well as Iceland, Liechtenstein and Norway.

IBAN: shall mean the international bank account number that can be used to identify bank accounts for international payments.

Identifiers: shall mean the personal and confidential identifiers comprising a User's valid e-mail address and a password and/or a security code.

Transactions: shall mean Direct Debits, Withdrawals from an ATM, Payments or transfers of Electronic Money via one of the Money Sending Services.

Payment: shall mean any payment for goods or services using the MyPocket Card.

Direct Debit: shall mean an automated payment system implemented between a User who holds an account and Fair-eZone, through Monavate, enabling payments to be made to establishments under a direct debit mandate granted by the User to the establishment that states the frequency and the amount of each payment.

Monavate: shall mean the issuer of the MyPocket Cards and the provider of the Payment Services of Fair-eZone:

  • In Europe: UAB Pyrros Lithuania, which is an electronic money institution and operates in accordance with the licence issued by the Bank of Lithuania, authorization code LB000464, licence no. 38. Registered address: Goštauto g. 8-112, Vilniaus, LT-01108.
  • In the UK: Monavate Ltd, which is authorised by the FCA to issue e-money under the electronic money regulation 2011 with FCA reference number 901097. Monavate Ltd is registered in England under Company Registration Office Number 12472532. Registered Office: The Officers' Mess Business Centre, Royston Road, Duxford, Cambridge, England, CB22 4QH.

Airtime or Data top-upshall mean a digital good corresponding to airtime credit or data usage credit offered by a telephone operator and for prepaid plans only.

Pocket to Bank Service: shall mean a service whereby Users issue instructions to send Electronic Money from one Account to a bank account via a SEPA transfer or a GBP transfer.

Pocket to Pocket Service: shall mean a service whereby Users issue instructions to send Electronic Money from one Account to another.

Services: shall mean the set of services developed and provided by Fair-eZone: the Web Site, the MyPocket Mobile Application providing access to the Payment Services under the terms of these ToU and in particular Article 2 - The Services, above.

Payment Services: shall mean all services distributed to the Users by Fair-eZone, which include:

  • Services enabling cash withdrawals from a payment account and all of the operations required for operating a payment account;
  • Execution of payment transactions, including execution of banking transfers and execution of payment transactions through a payment card.

 

Money Sending Services: shall mean the set of services designed for sending Electronic Money developed and provided by Fair-eZone via the MyPocket Mobile Application under the terms of these ToU, and in particular article 2.7. The Money Sending Services, above.

Available Balance: shall mean the amount of Electronic Money that is available to the User and that the User has not spent or redeemed.

Website: shall mean the web site that Users may access at the following URL www.mypocket.io, presenting the Services and enabling the Users to download the Mobile Application.

Applicable Exchange Rate: shall mean the exchange rate available at https://www.mastercard.us/en-us/personal/get-support/convert-currency.html.

User: shall mean any natural person who is aged over 18, resides in one of the countries of the European Economic Area (EEA) or the United Kingdom and has full legal capacity, who uses the MyPocket Mobile Application and/or subscribes to the Services.

Customer Due Diligence: shall mean the process that Fair-eZone must follow to check the identity of its Users.

SEPA Transfer: shall mean a service whereby the Users issue instructions to transfer Euros to a bank account located in the single Euro payments area (SEPA), with an indication of the IBAN of the recipient of the funds.

GBP Transfer: shall mean a service whereby the Users issue instructions to transfer pounds Sterling from a GBP bank account to another GBP bank account, by keying in the full account details of the recipient of the funds.


Appendix - Fees and Limitations

 

Fees charged in euros when the default currency is the euro (EUR):

Subscription and activation Fee

Fee

Min

Max

Annual Subscription

between €0 and €25
(as available on Site)

NA

NA

Monthly Subscription

between €0 and €3
(as available on Site)

NA

NA

Card fees

Fee

Min

Max

Physical card creation fee

€10.00

NA

NA

Virtual card creation fee

€2.00

NA

NA

Physical Card replacement fee

€10.00

NA

NA

Card renewal fee

€10.00

NA

NA

PIN Retrieval fee requested via MyPocket app

Always free

NA

NA

Special secured mailing

€9.00

NA

NA

Loading fees

Fee

Min

Max

Loading via bank transfer

€0.00

NA

NA

Loading via MoneySend SEPA Zone

€0.80 + 0.30%

NA

NA

Loading via MoneySend International

€1.40 + 1.50%

NA

NA

Loading via incoming SWIFT bank transfer

€1.40 + 1.50%

NA

NA

ATM usage fees

Fee

Min

Max

ATM withdrawal SEPA zone

Free or €1.50 according to the chosen
subscription and the number of withdrawals
already made in current month
(as available on Site)

NA

NA

ATM withdrawal out of SEPA zone

2.00%

€3.00

NA

ATM Balance Inquiry

€0.50

NA

NA

ATM PIN change

€0.50

NA

NA

Card transaction fees

Fee

Min

Max

POS domestic (SEPA zone)

€0.00

NA

NA

POS out of domestic zone (out of SEPA zone)

0.65% + €0.60

NA

NA

Online purchase domestic (SEPA zone)

€0.00

NA

NA

Online purchase international (out of SEPA zone)

0.65% + €0.60

NA

NA

FX markup fee
(for card payments in foreign currency)

2%

NA

NA

Pocket to Pocket transfer fees

Fee

Min

Max

Transferring money via account to account transfer (Sender's side)

via Pocket to Pocket

Free or €0.30 according to the chosen
subscription and the number of Pocket to
Pocket already made in current month
(as available on Site)

NA

NA

Pocket to Bank transfer fees

Fee

Min

Max

Outgoing EUR bank transfer to external EUR bank account

Free or €1.20 or €1.55 or €5.00 according to
the chosen subscription, the number of
outgoing transfers made in current month, and
the monthly volume (as available on site)

NA

NA

 


 

International transfer fees

Fee

Min

Max

International outgoing transfer fee via SWIFT

Normal priority


Transfer fees depending on the country of destination.
Specified in the app at the time of transfer order validation.

International outgoing transfer fee via SWIFT

High priority

FX markup fee on currency exchange and international outgoing SWIFT payment

1.5%

NA

NA

Administrative transaction fees

Fee

Min

Max

Monthly Inactivity fee (after 12 months of inactivity)

€2.50 / month

NA

NA

Recall fee for outgoing transfers

€25.00

NA

NA

Administrative seizure fee for third parties (French "Saisie Administrative à Tiers Détenteur (ATD)")

10% of the amount due to the Treasury up to €100.00,
per notification

Account seizure fee
(French "Saisie - attribution")

€100.00 per notification

NA

NA

Account closure fee/Card cash out on Customer request

€10.00

NA

NA

Account closure fee/ Irregular use of the MyPocket account

€10.00

NA

NA

Chargeback processing fee (Case to case basis)

€15.00

NA

NA

Balance check, Card lock, Card unlock via Customer Service

€1.50

NA

NA

Customer Service Call fees for SWIFT transfers:

 

 

 

        Changing conversion date fee

€20.00

NA

NA

        SWIFT proof of payment fee

€20.00

NA

NA

        Trade cancellation fee

€20.00

NA

NA

 


 

Fees charged in pounds Sterling when the default currency is pounds Sterling (GBP):

Subscription and activation Fee

Fee

Min

Max

Annual Subscription

between £0 and £25
(as available on Site)

NA

NA

Monthly Subscription

between £0 and £3
(as available on Site)

NA

NA

Card fees

Fee

Min

Max

Physical card creation fee

£10.00

NA

NA

Virtual card creation fee

£2.00

NA

NA

Physical Card replacement fee

£10.00

NA

NA

Card renewal fee

£10.00

NA

NA

PIN Retrieval fee requested via MyPocket app

Always free

NA

NA

Special secured mailing

£9.00

NA

NA

Loading fees

Fee

Min

Max

Loading via bank transfer

£0.00

NA

NA

Loading via MoneySend SEPA Zone

£0.80 + 0.30%

NA

NA

Loading via MoneySend International

£1.40 + 1.50%

NA

NA

Loading via incoming SWIFT bank transfer

£1.40 + 1.50%

NA

NA

ATM usage fees

Fee

Min

Max

ATM withdrawal SEPA zone

Free or £1.50 according to the chosen
subscription and the number of withdrawals
already made in current month
(as available on Site)

NA

NA

ATM withdrawal out of SEPA zone

2.00%

£3.00

NA

ATM Balance Inquiry

£0.50

NA

NA

ATM PIN change

£0.50

NA

NA

Card transaction fees

Fee

Min

Max

POS domestic (SEPA zone)

£0.00

NA

NA

POS out of domestic zone (out of SEPA zone)

0.65% + £0.60

NA

NA

Online purchase domestic (SEPA zone)

£0.00

NA

NA

Online purchase international (out of SEPA zone)

0.65% + £0.60

NA

NA

FX markup fee
(for card payments in foreign currency)

2%

NA

NA

Pocket to Pocket transfer fees

Fee

Min

Max

Transferring money via account to account transfer (Sender's side)

via Pocket to Pocket

Free or £0.30 according to the chosen
subscription and the number of Pocket to
Pocket already made in current month
(as available on Site)

NA

NA

Pocket to Bank transfer fees

Fee

Min

Max

Outgoing GBP bank transfer to external GBP bank account

Free or £2.10 or £1.85 or £5.00 according to
the chosen subscription, the number of
outgoing transfers made in current month, and
the monthly volume (as available on site)

NA

NA

 


 

International transfer fees

Fee

Min

Max

International outgoing transfer fee via SWIFT

Normal priority


Transfer fees depending on the country of destination.
Specified in the app at the time of transfer order validation.

International outgoing transfer fee via SWIFT

High priority

FX markup fee on currency exchange and international outgoing SWIFT payment

1.5%

NA

NA

Administrative transaction fees

Fee

Min

Max

Monthly Inactivity fee (after 12 months of inactivity)

£2.50 / month

NA

NA

Recall fee for outgoing transfers

£25.00

NA

NA

Administrative seizure fee for third parties (French "Saisie Administrative à Tiers Détenteur (ATD)")

10% of the amount due to the Treasury up to £80.00,
per notification

Account seizure fee
(French "Saisie - attribution")

£80.00 per notification

NA

NA

Account closure fee/Card cash out on Customer request

£10.00

NA

NA

Account closure fee/ Irregular use of the MyPocket account

£10.00

NA

NA

Chargeback processing fee (Case to case basis)

£15.00

NA

NA

Balance check, Card lock, Card unlock via Customer Service

£1.50

NA

NA

Customer Service Call fees for SWIFT transfers:

 

 

 

        Changing conversion date fee

£20.00

NA

NA

        SWIFT proof of payment fee

£20.00

NA

NA

        Trade cancellation fee

£20.00

NA

NA

 

 

 


 

Spending limits when the default currency is the euro (EUR):

 

EUR

default currency

Chosen subscription

Free

Premium

Type

Frequency

Max Times

 

 

ATM cash limit

Daily

3

€100

€200

ATM cash limit

Monthly

€500

€1,000

Payment limit

Daily

20

€1,500

€3,000

Payment limit

Monthly

€1,500

€3,000

ATM per withdrawal limit

€100

€200

Payment or transfer limit per transaction

€1,500

€3,000

 

Spending limits when the default currency is pounds Sterling (GBP):

 

GBP

default currency

Chosen subscription

Free

Premium

Type

Frequency

Max Times

 

 

ATM cash limit

Daily

3

£90

£180

ATM cash limit

Monthly

£450

£865

Payment limit

Daily

20

£1,400

£2,600

Payment limit

Monthly

£1,400

£2,600

ATM per withdrawal limit

£90

£180

Payment or transfer limit per transaction

£1,400

£2,600

 


 

Loading limits when the default currency is the euro (EUR):

 

EUR

default currency

Chosen subscription

Free

Premium

Type

 

 

Minimum initial load

€10

€10

Maximum initial load

€1,500

€3,000

Max No of loads per day

5

5

Max No of loads by card per day

3

3

Max No of external cards allowed to use as loading card

2

2

Minimum reload amount

0.01

0.01

Maximum reload amount

€2,000

€3,000

Maximum load amount per day

€3,000

€9,000

Maximum load amount by card per day

€500

€500

Maximum load amount per month

€3,000

€10,000

Maximum cumulative yearly load

€36,000

€96,000

Maximum card balance

€3,000

€10,000

 

Loading limits when the default currency is pounds Sterling (GBP):

 

GBP

default currency

Chosen subscription

Free

Premium

Type

 

 

Minimum initial load

£10

£10

Maximum initial load

£1,00

£2,600

Max No of loads per day

5

5

Max No of loads by card per day

3

3

Max No of external cards allowed to use as loading card

2

2

Minimum reload amount

£0.01

£0.01

Maximum reload amount

£1,700

£2,600

Maximum load amount per day

£2,800

£7,800

Maximum load amount by card per day

£430

£430

Maximum load amount per month

£2,800

£8,600

Maximum cumulative yearly load

£33,600

£90,000

Maximum card balance

£2,800

£8,600

 

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