Terms of Digital Service

These terms govern your use of the digital banking platform. By opening an account you accept them in full.

Eligibility and verification

You must be of legal age in your jurisdiction and able to enter a binding contract. We are required to verify your identity before certain limits and products become available, and we may request additional documentation at any time.

Transaction ceilings

Ceilings apply per verification tier and cover single-instruction, daily and calendar-month totals. Ceilings are denominated in United States dollars and applied across all currencies you hold. We may vary ceilings where required by risk or regulation.

Cross-border instructions and clearance

International instructions are subject to a sequenced clearance process. Funds are debited into a segregated escrow position when an instruction is accepted, and remain there until every clearance is satisfied or the instruction is cancelled. Cancelled instructions are refunded in full, including commission.

Digital assets

Digital assets are not legal tender, are not backed by any government, and are not covered by deposit insurance. Their value can move sharply. Collateralised facilities may be liquidated without further notice if the loan-to-value ratio breaches the stated liquidation threshold.

Credit facilities

All credit is subject to approval, verification of eligibility, and the terms disclosed at the time of offer. Rates shown before approval are indicative.

Suspension and closure

We may suspend or close an account where we are required to do so by law, where we suspect fraud or misuse, or where you breach these terms. Where lawful, we will tell you why.