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Terms & conditions

From time to time, we may make changes to our terms.
Terms and conditions
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Documentation
Retail customers
Retail Terms and Conditions
These terms and conditions apply to you if you are one of the following:

• An individual (natural person);
• A micro-enterprise with fewer than 10 employees and an annual turnover of less than €2 million; or
• A charity with an annual turnover of less than £1 million.
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Retail customers
Retail Terms and Conditions
These terms and conditions apply to all new and existing customers from the 28th April 2026, and if you meet one of the following criteria:
‍
• An individual (natural person);
• A micro-enterprise with fewer than 10 employees and an annual turnover of less than €2 million; or
• A charity with an annual turnover of less than £1 million.
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Corporate customers
Corporate Terms and Conditions
These terms and conditions apply to you if you do not meet the criteria set out in the Retail Terms and Conditions above.
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Product terms
Detail
Documentation
Product
Card Service Terms
These product terms apply to customers with card services.
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Product
FX Service Terms
These product terms apply to customers with FX and international payment services.
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Product
Cashback Service Terms
These cashback terms apply to customers who signed up on or after 1st September 2025, and will apply to existing customers from the 1st November 2025.
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Equals Money PLC is registered in England & Wales, ls No. 05539698. Equals Money PLC is part of Equals Group Limited (Registered in England & Wales No. 08922461). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised by the Financial Conduct Authority to provide payment services (FCA No. 488396). Equals Money Cards are issued by Equals Money International Limited pursuant to license by Mastercard International Inc. Equals Money International Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.