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Terms & Conditions

Last updated: 8 January 2026

The hyperlinks below provide information on the terms and conditions that apply to the use of our website, mobile app, products and services.

By downloading our mobile app and using our products and services, you agreeto the terms and conditions below.

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Key Terms:

Membership Agreement

App Terms & Conditions

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Modules:

Card Funding Terms

USD Wallet Terms

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Other Terms:

Website Terms & Conditions

Business Accounts Terms & Conditions

Rewards Terms & Conditions

Checkout Terms & Conditions

AFP Account Terms & Conditions

Fees & Charges Policy

Cookie Policy

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Copyright © 2025 nsave Ltd. All rights reserved.
This website is owned and operated by nsave Ltd., incorporated in the United Kingdom. The information provided is not legally binding and does not constitute an offering, endorsement, recommendation or solicitation to enter into any type of financial transaction in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the laws of such jurisdiction.

npay Inc. is registered in the United States in the State of Delaware. npay Inc. partners with licensed financial institutions and is a technology services provider, not a bank.

GBP and Multi-Currency accounts are offered by Frost Money Ltd; an Electronic Money Institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 1020783). Client funds are safeguarded in UK- or EEA-authorised credit institutions but are not protected by the Financial Services Compensation Scheme.

nsave ltd is appointed under Regulation 33 of the EMRs to distribute and/or redeem electronic money on behalf of Frost Money Ltd and is not itself authorised to issue electronic money or provide payment services. More details can be found in the
Frost End-User T&Cs, which you must agree to before using any services provided by Frost Money Ltd.

The GBP and EUR card accounts are issued by AF Payments Limited pursuant to a licence by Mastercard International. AF Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900440) for the issuing of electronic money and payment instruments. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International. As a registered EMI, AF Payments holds your funds in a safeguarding account which offers protection if AF Payments goes out of business. It is important to know that as a non-bank payment provider, your money is not protected by the Financial Services Compensation Scheme (FSCS). For more information on Safeguarding, please feel free to consult the FCA website:
https://www.fca.org.uk/consumers/using-payment-service-providers.