Legal

Terms & Conditions

Equals Money General Terms — issued to BilinkPay customers Version: July 2025

General Terms & Conditions — UK Retail (Indirect)

These are the Equals Money General Terms and Conditions for Retail customers based in the United Kingdom. These terms apply where services are provided by Equals Money PLC, Equals Money UK Limited, and/or Equals Money International Limited.

Document info: Version: July 2025 · Applies to UK-resident personal account holders

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Download the complete General Terms & Conditions — UK Retail (Indirect) as a Word document

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These are Equals Money T&Cs. Customers are required to read and agree to the applicable documents during account application. These documents are provided in full for your reference — please download the complete version for the authoritative text.

General Terms & Conditions — EEA Retail (Indirect)

These are the Equals Money General Terms and Conditions for Retail customers based in the European Economic Area. Services are provided by Equals Money Europe SA, supervised by the National Bank of Belgium (NBB).

Document info: Version: July 2025 · Applies to EEA-resident personal account holders

Full Document

Download the complete General Terms & Conditions — EEA Retail (Indirect) as a Word document

Download .docx

These are Equals Money T&Cs. Customers are required to read and agree to the applicable documents during account application. These documents are provided in full for your reference — please download the complete version for the authoritative text.

General Terms & Conditions — Corporate (Indirect)

These are the Equals Money General Terms and Conditions for Corporate customers (businesses and SMEs) in the UK and EEA. These terms govern commercial card and payment account services.

Document info: Version: July 2025 · Applies to business and corporate account holders

Full Document

Download the complete General Terms & Conditions — Corporate (Indirect) as a Word document

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These are Equals Money T&Cs. Customers are required to read and agree to the applicable documents during account application. These documents are provided in full for your reference — please download the complete version for the authoritative text.

Card Service Terms — Schedule 1

Schedule 1 governs the issuance and use of BilinkPay Mastercard virtual and physical cards. These terms apply in addition to the General Terms and Conditions. By requesting a Card, you agree to these Card Service Terms.

Document info: Version: 0.1 July 2025 · Applies to all cardholders

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Download the complete Card Service Terms — Schedule 1 as a Word document

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These are Equals Money T&Cs. Customers are required to read and agree to the applicable documents during account application. These documents are provided in full for your reference — please download the complete version for the authoritative text.

FX Service Terms — Schedule 2

Schedule 2 governs all foreign exchange transactions made through BilinkPay. These terms apply in addition to the General Terms and Conditions. By using the FX Service, you agree to these FX Service Terms. The FX Service is not regulated by the FCA or NBB and is not protected by any compensation scheme.

Document info: Version: 0.1 July 2025 · Applies to customers using FX conversion or FX forward services

Full Document

Download the complete FX Service Terms — Schedule 2 as a Word document

Download .docx

These are Equals Money T&Cs. Customers are required to read and agree to the applicable documents during account application. These documents are provided in full for your reference — please download the complete version for the authoritative text.