Terms of Use

1. Introduction

These Terms of Use ('Terms') govern your access to and use of the services provided by Neteller International ('we', 'us', 'our'), including our website, mobile application, and related payment and financial services. By opening an account or using our services, you agree to be bound by these Terms. Please read them carefully before proceeding.

2. Who we are

Neteller International is a financial institution that provides payment services, multi-currency accounts, card programmes, and related financial technology solutions. We operate across multiple jurisdictions and are subject to applicable regulatory requirements in each market where we provide services. Our registered office details and regulatory authorisation information can be found on our Regulatory Information page.

3. Scope of our services

• Multi-currency payment accounts for personal and business customers
• Domestic and international money transfers
• Debit and prepaid card programmes
• Foreign exchange services at competitive rates
• Sub-accounts for organising funds (e.g., savings, tax reserves)
• Digital asset services where available and permitted by local regulation
• Business payment solutions including invoicing and payment links

The availability of specific services may vary depending on your jurisdiction, account type, and verification status. We reserve the right to modify, suspend, or discontinue services with appropriate notice.

4. Eligibility and onboarding

To open an account with Neteller International, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction)
• Be a resident of a country where we are authorised to provide services
• Not be subject to sanctions or restrictions under applicable laws
• Provide accurate and complete information during registration
• Successfully complete our identity verification (KYC) process

For business accounts, you must be authorised to act on behalf of the business entity and provide required documentation including proof of business registration and beneficial ownership information.

5. Your Neteller International account

Your account is personal to you. You are responsible for maintaining the confidentiality of your login credentials and must not share access with others. You agree to notify us immediately of any unauthorised access or security breach. We may suspend or restrict your account if we suspect fraudulent activity, regulatory non-compliance, or violation of these Terms.

6. Using cards, payments and transfers

When you make payments or transfers through our platform, you authorise us to execute those transactions on your behalf. Funds must be available in your account before initiating a payment. Transaction limits may apply based on your verification level, account type, and regulatory requirements. International transfers may be subject to additional compliance checks and processing times.

7. Fees, exchange rates and limits

Our fees and exchange rates are published in our Pricing page and may be updated from time to time. Exchange rates for currency conversions are set by us and include a margin. Transaction and balance limits apply based on your account type and verification status. We will notify you of any material changes to fees with reasonable advance notice.

8. Crypto and investment-related services

• Cryptoassets are highly volatile and may lose all their value
• Cryptoasset transactions are generally irreversible
• Cryptoassets may not be covered by deposit protection or investor compensation schemes
• Past performance is not indicative of future results
• You should only invest what you can afford to lose

Crypto services are only available where permitted by local regulation and may be provided by Neteller International or third-party partners. Additional terms may apply.

9. Security and your responsibilities

You must take reasonable steps to keep your account secure, including using strong passwords, enabling two-factor authentication where available, and keeping your devices secure. You must not use our services for illegal activities, money laundering, terrorist financing, fraud, or any purpose that violates applicable laws. We implement industry-standard security measures but cannot guarantee absolute security.

10. Data protection and privacy

We process your personal data in accordance with our Privacy Notice and applicable data protection laws. By using our services, you consent to the collection, use, and sharing of your data as described in our Privacy Notice. We may share your data with regulators, law enforcement, and third-party service providers as necessary to provide our services and comply with legal obligations.

11. Intellectual property

All intellectual property rights in our platform, including trademarks, designs, software, and content, belong to Neteller International or our licensors. You may not copy, modify, distribute, or create derivative works from our platform without our prior written consent.

12. Liability and disclaimers

We provide our services on an 'as is' basis and make no warranties regarding availability, accuracy, or fitness for purpose. Our liability is limited to the maximum extent permitted by law. We are not liable for indirect, consequential, or special damages, loss of profits, or losses arising from circumstances beyond our reasonable control. Nothing in these Terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

13. Suspension and termination

We may suspend or terminate your account immediately if we reasonably believe you have breached these Terms, engaged in fraudulent or illegal activity, or if required by law or regulation. You may close your account at any time by contacting us. Upon termination, you must withdraw any remaining funds within the time period specified, after which funds may be subject to applicable escheatment laws.

14. Governing law and jurisdiction

These Terms are governed by the laws of Ireland. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Ireland, except where you have mandatory consumer rights under local law that cannot be waived.

15. Contact details

If you have questions about these Terms or our services, please contact our customer support team through the Help section of our website or app. Complaints can be submitted through our formal complaints procedure, details of which are available in our Help Centre.