Consumer cardholder terms

1. The card

1.1. These terms and conditions apply to any holder of Bluecard Prepaid Mastercard® (‘the card’). By using your card you are demonstrating your agreement to these terms and conditions.

1.2. The card is promoted by Die Kunden GmbH (‘DKG’) registered office: Stuntzstrasse 16, 81677 Munich, registered in Germany in the Commercial Register under No. 174202 and issued by UAB “PAYRNET”, a company incorporated in the Republic of Lithuania (company number: 305264430) with its head office at, Islandijos str. 6, LT-01117, Vilnius, the Republic of Lithuania, and its registered office at Girulių str. 20, LT-12123 Vilnius, the Republic of Lithuania (hereinafter referred to in these Terms as “PayrNet” “we”, “us”, “our”). PayrNet can be contacted by email – support@payr.net. PayrNet web address is https://www.railsbank.com/payrnet.

1.3. PayrNet is an Electronic Money Institution authorised by the Bank of Lithuania under the Law on Electronic Money and Electronic Money Institutions (license reference 72, authorization code LB001994,issued on 2020-08-28) for the issuing of electronic money and provision of the related payment services.

1.4. PayrNet is a wholly owned indirect subsidiary of Railsbank Technology Limited and provides regulated financial services to Railsbank customers. Payrnet outsources all IT and Operations processes to Railsbank, and therefore both Railsbank Technology Limited and UAB Railsbank Technology fall under the Railsbank Privacy Policy for the purposes of Data Protection.

1.5. You will apply for a card in the stated currency EUR. All references to that currency in these terms and conditions are relevant to you.

1.6 The Card is an E-money product and as such it is not covered by the by the Deposit Insurance Scheme of the Republic of Lithuania or a comparable guarantee scheme in any other country. You may only use the Card for lawful Transactions.

1.7 These terms and conditions are available online at https://bluecard.xpay-online.com/en/terms. You can request a copy of these terms and conditions at any point.

2. Definitions

In these terms and conditions, the following words and phrases have the meanings shown next to them:

ATM –means automatic teller machine or cashpoint facility or cash dispenser;

Business day German time – means any day between and including Monday to Friday, between 9 a.m. and 5 p.m. (German time) except for bank or public holidays in Germany;

Business day Lithuania time – means a day when the clearing banks in Vilnius are open for business, excluding Saturdays, Sundays and public holidays in Lithuania;

Card – means your Bluecard Prepaid Mastercard® (Including any replacement card);

Card scheme – means Mastercard®;

Electronic Money Institution - means licensed electronic money institution, authorized to issue E-Money and provide payment services (as defined in the Law on Electronic Money and Electronic Money Institutions of the Republic of Lithuania and the Law on Payment Institutions of the Republic of Lithuania)

Fees – a variety of charges that can be raised for purchase and ongoing use of the card; Issuer/Issuing bank – a financial institution which is a member of a card organisation, e.g. Mastercard®. As such the issuer has the permission to issue payment cards (credit, debit and prepaid cards) of the card organisation as well as accepting transactions of its cardholders from other banks or merchants.

PIN – means Personal Identification Number i.e. the security number provided for use with the card;

POS – means in-store merchants, who are accepting Mastercard®cards;

Purse Value – means the maximum value of funds that can be held with the card any one time;

SEPA – means “Single Euro Payments Area”;

Supplier – a retailer, merchant or other supplier of goods and/ or services which accepts payment by means of a card, card number, PIN or card and signature;

Summary Box – The section that includes notification of charges, limits and restrictions associated with the card;

Supplier’s bank –the merchant acquirer used by the supplier for the purposes of receiving payments arising from transactions;

Verification of identity – means confirming your personal identity and address by conducting electronic verification of your details; or by other means used by us to verify your identity;

We/ Us/ Our –means PayrNet or co-brand partners acting on our behalf;

Year – 12 month period following the date when the card is issued to you and each subsequent 12 month period;

You/ Your – means the person who has received the card and is authorized to use the card as provided for in this Agreement;

Bluecard Prepaid Mastercard® – means a card with the features set out in these terms and conditions.

3. Loading the card

3.1 The table below sets out the methods by which you can pay for and load up your card when you first get it and how you can load it up subsequently:

Card Limits Identification Level 1[1]
(KYC Level 1 – online registration)
Identification Level 2[2]
(KYC Level 2 - Verification of Identity)
Maximum balance on card 150.00 € 15,000.00 €
Minimum load per transaction 10.00 € 10.00 €
Maximum load per transaction 150.00 € 4,500.00 €
Maximum daily load 150.00 € 4,500.00 €
Daily limit of loads 1 15
Maximum monthly load[3] 150.00 € 15,000.00 €
Monthly limit of loads[3] 1 25
Maximum annual load[4] 2,500.00 € 75,000.00 €
Annual limit of loads[4] 1 500
Minimum ATM withdrawal per transaction 0.00 € 0.00 €
Maximum ATM withdrawal per transaction 0.00 € 500.00 €
Maximum daily ATM withdrawal 0.00 € 500.00 €
Maximum monthly ATM withdrawal[3] 0.00 € 2,000.00 €
Maximum ATM withdrawal over card lifetime 0.00 € -
Maximum annual ATM withdrawal[4] - 24,000.00 €
Minimum POS per Transaction 0.00 € 0.00 €
Maximum POS per Transaction 150.00 € 5,000.00 €
Maximum daily POS 150.00 € 5,000.00 €
Maximum monthly POS[3] 150.00 € 15,000.00 €
Maximum annual POS[4] 2,500.00 € 75,000.00 €

[1] The card can only be used at POS outlets in Europe. Cash withdrawals are not available.
[2] As described in condition 4.9
[3] Counted from first transaction on (30 days)
[4] Counted from first transaction on (365 days)

3.2 The time that it takes for your card balance to be updated when you load your card depends on the method that you use and the time that it takes for the funds to be sent to the issuer. If the issuer receives the funds on a business day Lithuania time, your card will be updated with the amount on the same business day Lithuania time. If the issuer receives the funds on a day that is not a business day Lithuania time, the issuer will update your balance on the next business day Lithuania time. You can check the transfer time, for example, with your bank provider if paying from a bank account.

3.3 When funds are loaded onto your card, the payment is made in the same currency as that of your card (EUR). The currency you have used to load your card may be different to that of the card. Your transaction history will show the exchange rate used which applied on the date that the card was loaded. Exchange rates may change and the exchange rate which applies when you check may not be the exchange rate that was used to convert your funds to load your card.

4. Use of the card

4.1 The card is a prepaid product which can be used to pay for goods and services at retailers that display the Mastercard® symbol. In Identification Level 1 the product can only be used at POS outlets in Europe. To use the card, present it at the time of payment. Use it in full or part payment of your purchase.

4.2 When you receive your card, you must activate your card online at https://bluecard.xpay-online.com/en/login.

4.3 You must not make purchases that exceed the balance of funds available on the card. Your balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force from time to time and set out in condition 3 (e.g. ATM withdrawal limit) the transaction will be declined;

4.4 You can use the card to make purchases in-store, via the internet or over the phone. The card can be used to obtain cash through ATMs. There is no cash back facility. This is not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card. You will not earn any interest on any funds loaded on to the card.

You must not use the card for:

4.4.1 pre-authorised regular payments;

4.4.2 transactions at taxi cabs, self-service petrol pumps, parking and garages;

4.4.3 transactions at car sharing providers;

4.4.4 transactions for cash (other than ATM withdrawal) including for example cash back, cash from a bank, money orders, traveller’s cheques, foreign exchange, or bureau de change; or

4.4.5 any illegal purposes.

4.5 Your card cannot be used in situations where it is not possible for the supplier to obtain online authorisation that you have sufficient balance for the transaction. For example: transactions on trains, ships, and some in-flight purchases.

4.6 We may stop, suspend or restrict your card or PIN on reasonable grounds relating to; 4.6.1 the security of your card, card number or PIN; and 4.6.2 the suspected unauthorised or fraudulent use of your card or PIN. We will, if possible, inform you before stopping, suspending or restricting your card or PIN that we intend to do so and the reasons for doing this. If we are unable to do so then we will inform you immediately afterwards. The requirement to inform you does not apply where it would compromise reasonable security measures or it would be unlawful to do so.

4.7 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any supplier to honour the card.

4.8 We will not issue the card under these terms and conditions to anyone under the age of 18 years old.

4.9 Product upgrade: it is possible to upgrade your product, so as to obtain higher loading limits, a higher maximum balance on the card and in general higher spending limits. The product upgrade also increases the daily number of fund loads. For the product upgrade a full verification according to anti-money laundering regulations is mandatory (Identification Level 2). This option is available to you once you have purchased a card and activated it at https://bluecard.xpay-online.com/en/login. Once you have logged on to the customer portal, you will learn about the process and which steps to complete (refer to point 18 summary boxto check if upgrade costs apply).

5. Transactions

5.1. You agree that any use of your card, card number or PIN constitutes your authorisation and consent to a transaction.

5.2. The time of receipt of a transaction order is when it is received by us. If a transaction order is received after 5 p.m. on a business day Lithuania time, then it will be deemed to have been received on the next business day Lithuania time. If receipt does not fall on a business day Lithuania time, then it will be deemed to have been received on the next business day Lithuania time.

5.3. You cannot stop a transaction after it has been transmitted to us by giving your consent to the transaction, or once you have given your consent to the supplier for a pre-authorised payment.

5.4. We may refuse a transaction or suspend or terminate the right to load your card. We may do this if the relevant phone or computer link is busy. We may also do this if: 5.4.1 a transaction might take you over your available funds on the card; or 5.4.2 a transaction might take you over any of your card limits, which are set out in condition 3; or 5.4.3 we reasonably believe that we need to do so to keep to the rules of the payment system under which your card is issued; or 5.4.4 we reasonably believe that there are needs to do so to comply with any law or as a matter of good practice.

6. Foreign currency transactions

6.1. If you have performed a product upgrade (see section 4.9), your card can be used for transactions in currencies other than the card currency (EUR). However, fees will be charged for this.

6.2. If you make a transaction in a currency other than the currency of the card (EUR) we will change the amount into the currency of the card at the wholesale market rate or any rate that a government may set. We will charge a foreign exchange fee, see Summary Box in condition 18.

6.3. Exchange rates may change, and the exchange rate which applies on the date that you make your transaction may not be the same as the exchange rate we use on the date that we convert the transaction charge and deduct the foreign exchange fee from your balance.

6.4. The transaction overview in your customer portal will show the corresponding fees.

7. Checking your balance

To check the available balance on your card or to review your transactions visit https://bluecard.xpay-online.com/en/login, 24 hours a day.

8. When your card expires

8.1. The card’s expiry date is printed on the card. You must not use the card after its expiry date and you will not be able to reload it.

8.2. If you are in Identification Level 1, you can spend the balance on your card until the expiry date. No renewal card can be sent to you. In case you want to receive a renewal card, you have to upgrade your card with a full verification (refer to point 18summary box to check if upgrade costs apply).

8.3. In case you are in Identification Level 2, the renewal card fee will be charged 4 weeks before the card expires. After the renewal card fee is charged successfully, a renewal card will be sent to you. If you do not want your card to be renewed, you have to cancel your card as described in condition 12.

8.4 If there is not enough balance on your card to charge the fee, you will be informed directly via email. If you want to have a renewal card, you have to load the card, so the renewal card fee can be charged. A second attempt to charge the renewal card fee will be done 2 weeks before the card expires.

8.5 In case the renewal card fee cannot be charged again, no renewal card will be sent out.

8.6 If you request that your card is not renewed as described under condition 8.3, you will not be able to use your card after its expiry date. You can redeem any outstanding balance on the card up to 6 years after the expiry date by following the process in condition 9. If there is still a remaining balance after the card has expired, a monthly fee for administration of remaining balance will be charged (details see summary box in condition 18). If any balance remains on the card for more than 6 years after the expiry date, it will not be refunded.

9. Redemption

9.1. At your request, part or all of the E-Money held on the Card will be redeemed at their par value at any time, except if otherwise established under these Terms or legal acts. You can choose the amount of redeemed E-Money. You can redeem all or part of your balance by sending us an customercare@xpay.de or via phone at +49 89 4613442-244 until the date that is 6 years after the expiry date shown on your card. We will transfer any redeemed funds into a bank account which is in your name. For this we will request proof from you that the account is in your name. Where redemption of E-Money is requested by you on or up to one year after the date of the termination of these Terms, the total monetary value of the E-money held by you will be redeemed.

9.2. You will be charged a fee (see Summary Box in condition 18) to cover redemption costs on each occasion that you redeem if you redeem all or part of your balance at the following times: 9.2.1 where redemption is requested from you before termination of the card; 9.2.2 where redemption is requested more than one year after the date of the termination of the card.

9.3 Please note that if your balance is equal to or less than the amount you want to redeem in the circumstances listed above, the fee will equal your balance which will be reduced to zero, without any further payment to you.

9.4 You will not be charged a redemption fee if: 9.4.1 weor youterminate this card; or 9.4.2 if the request for redemption is at termination of the card or up to one year after that date.

10. Liability

10.1 You must sign your card as soon as you have received it and keep it safe. You must always make sure that you: 10.1.1 do not allow anyone else to use your card; 10.1.2 do not reveal your PIN and never write down your password(s), PIN or any security information unless you do this in a way that would make it impossible for anyone else to recognise any of that information; 10.1.3 only release the card, card number or PIN to make (or try to make) a transaction; and

10.2 If your card is lost, stolen, damaged or someone else finds out the PIN or if you think your card, card number or PIN may be misused, you must: 10.2.1 call us immediately on 0800 -0007936 (free of charge from national landlines) or on +49 (0)89 -998298610 (from abroad, additional fees may apply), so that we can stop your card and PIN, or block the card directly online at https://bluecard.xpay-online.com/en/login. 10.2.2 write to us within seven days to confirm the loss, theft or possible misuse by sending us an email customercare@xpay.de; and 10.2.3 stop using the card, card number or PIN immediately. If you find the card after you have reported it lost, stolen or misused, you must cut it up and tell us as soon as you can.

10.3 If your card or any replacement card, is lost, stolen or damaged, once you have reported it, you can request a replacement by sending us an email to customercare@xpay.de. Replacement cards can only be sent if you have successfully performed a product upgrade (see point 4.9). A replacement card will be sentto your address, registered in your account. Make sure, that you registered the correct address. When you receive your replacement card, you must activate your card online at https://bluecard.xpay-online.com/en/login. We will charge a fee for the replacement card. This is set out in the Summary Box in condition 18.

10.4 You may not be liable for any use of the card, card number or PIN by another person who does not have your permission to use it or if it is lost, stolen or damaged, unless: 10.4.1 you agreed to that person having your card, card number or PIN, or through gross negligence or carelessness, failed to comply with condition 10.1, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions; or 10.4.2 you acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number or PIN. 10.4.3 You may only be liable to the maximum of EUR 50.00 or card currency equivalent resulting from transactions arising from the use of a lost or stolen card or from the misappropriation of the payment instrument where you have failed to keep security features of the card safe. The EUR 50.00 or card currency equivalent liability limit is applicable to each instance of loss, theft or misappropriation and not each transaction. If we need to charge the liability limit from your card, we will change the amount of the liability limit into the currency of the cardat the wholesale market rate or any rate that a government may set.

10.5 If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to law enforcement agencies, any information which we reasonably believe may be relevant.

10.6 We will not be liable for: 10.6.1 any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service; 10.6.2 for any person refusing to accept or honour (or delays in accepting or honouring) your card, card number or PIN; or 10.6.3 any cash dispenser failing to issue cash. We will not be liable for the way in which you are told about any refusal or delay.

10.7 In case of errors or disputes about transactions, send us an email to customercare@xpay.de.

11. Altering these terms and conditions

11.1 We may change any of these terms and conditions, including fees and charges, or introduce new terms. If we make any changes, we will give 2 months prior written notice to you by email.

11.2 If we change these terms and conditions, the new terms and conditions will be available at https://bluecard.xpay-online.com/en/terms from the date the change takes place.

11.3 You will be deemed to have accepted any change to these terms and conditions unless you notify us in written form via email customercare@xpay.de to of any objection before the proposed date of the change.

11.4 Between receipt of the noticeand the proposed date of change, if you notify us in written form via email customercare@xpay.de that you do not accept the change, this agreement will terminate with a cancellation period of 4 weeks starting from the date we receive your written objection and subject to condition 9.4 you can redeem your total balance at that time without charge.

11.5 If changes to the General Terms and Conditions are already pending on the day of purchase of your card, it is possible that in this individual case the period of time between notification of the change and the effective date of change may be shortened. In this case, both versions of the General Terms and Conditions (old and new) will be made available to you at the time you purchase the card. Should this be the case, by accepting the Terms and Conditions, you agree to both versions. However, instead of being able to object to the changes to the Terms and Conditions in accordance with sections 11.3 and 11.4, you have ageneral termination option in accordance with section 12.

12. Ending this agreement

12.1 We may terminate this agreement at any time. Unless there are exceptional circumstances we will give you 2 months prior written notice.

12.2. You can terminate this agreement with a cancellation period of 4 weeks by sending us an email to customercare@xpay.de. You will not be charged for cancelling the card. We will refund any balance remaining on the card to you as set out incondition 9.

12.3. We will reimburse you in the currency the same as that of your prepaid card (EUR).

12.4 We will not refund the card issue fee that you may have paid so as to order the card and any fees that you have paid until the day the card is canceled.

12.5 If you do not redeem your full balance within 6 years after the date of the cancellation or lately within 6 years of your card’s expiry date, this agreement terminates.

13. General

13.1 By entering into this agreement, you agree that we may use your information in accordance with the conditions set out in section 16 of these terms and conditions.

13.2 We may monitor and/ or record telephone calls between you and us or service providers.

13.3 You must provide us with your name, date of birth, email and postal address, mobile phone number and nationality and let us know of any changes.

13.4 We may transfer our rights or obligations under this agreement or arrange for any other person to carry out its rights or obligations under this agreement. You may not transfer any of your rights or obligations under this agreement.

13.5 We can delay enforcing its rights under this agreement without losing them.

13.6 If we cannot enforce any paragraph, condition or part of a paragraph or condition underthis agreement, it will not affect any of the other paragraphs, conditions or the other part of the paragraph or condition in this agreement.

13.7 This agreement is governed by the law of Lithuania and Germany. Compulsory provisions of local consumer protection laws remain applicable. The language of this agreement is English. We will try to give all notices and information under this agreement in German, but if this option is not available, then they will be in English.

14. Payment services information

14.1. This condition 14 only applies if the supplier’s bank is located within the European Economic Area (EEA) and the payment services being carried out are transacted in Euro, or another currency of an EEA member state.

14.2. We will ensure that a transaction you make is credited to the supplier’s bank, or that returned funds following redemption or cancellation are credited to your bank within these timescales:

Type of Transaction Timescale
EUR transaction By the end of the business day Lithuania time following the day on which the transaction order is received
Transaction carried out in a currency other than Euro (EUR) By the end of the fourth business day Lithuania time following the day on which the transaction or order is received

14.3 If you use your card or provide your card details to a supplier to make a transaction before you know the amount which is going to be charged to your card, then you may be entitled to request a refund if the amount is unexpectedly large. Provided that you tell us by sending us an email to customercare@xpay.de within 8 weeks from the date the transaction is deducted from your balance. But you will NOT be entitled to a refund if you have been told of the amount of that transaction by us or the supplier at least four weeks before the transaction is due to be deducted from your balance, and you consented to the transaction.

14.4 On receipt of such a request under condition 14.3, we may require you to provide us with the information to ascertain whether the conditions under 14.3 have been met. Within 10 business days Lithuania time of receiving a request from you under condition 14.3 or of receiving any additional information requiredunder this paragraph, we will provide a refund or justify why we are refusing the request.

14.5 We are liable for the correct execution of the transaction unless we can prove that the transaction was received by the supplier’s bank, in which case the supplier’s bank is liable to the supplier. You may request that we make immediate efforts to trace an incorrectly executed transaction and notify you of the outcome.

14.6 When a supplier initiates a transaction it is the supplier’s bank which is liable for thecorrect transmission of the relevant details to us. If the supplier’s bank can prove that it is not responsible for a transaction which has failed or has been incorrectly executed, we will be responsible to you.

14.7 If we are responsible for an incorrectamount of a transaction being deducted from your balance, we will correct the error. If we are responsible for a transaction being deducted from your account balance which you did not authorise, we will refund the amount of the transaction to your accountbalance and treat the transaction as if it had never occurred. You must inform us of an unauthorised or incorrect transaction as soon as possible and in any event no later than 13 months after the debit date. If you do not do so, we may not be liable.

14.8 We are not liable if you incorrectly identify the supplier under a transaction. In such a case, we will make reasonable efforts to recover the funds involved.

15. Complaints and how to contact us

15.1. If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please contact us by sending us an email to customercare@xpay.de. We have procedures in place to make sure that we handle your complaint fairly and quickly.

15.2 We will respond to your complaint in writing or using another Durable Medium within 15 (fifteen) Business Days after the receipt of complaint. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the term by which you will receive our final response. In any case the term for provision of final response will not exceed 35 (thirty-five) Business Days after the receipt of complaint. Handling of complaints is free of charge. The claims shall be submitted, handled and responded to in Lithuanian or English, unless use of another language is agreed between you and us.

15.3 Should you not be satisfied with our final response, or should we fail to respond to you within 15 Business Days from receiving the claim, you shall have a right to apply to the Bank of Lithuania in three different ways: (1) through the electronic dispute settlement facility E-Government Gateway, (2) by completing a consumer application form and sending it to the Financial Market Supervision Service of the Bank of Lithuania at Žalgirio str. 90, LT-09303 Vilnius, email: frpt@lb.lt, or (3) by filling out a free-form application and sending it to the Financial Market Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: frpt@lb.lt. Whichever way you choose to submit the claim, it must be in the official language of the country, i.e. Lithuanian. You may only apply to the Bank of Lithuania within 1 year after you received from us a response that is not satisfactory, or after the 15 Business Days for responding has passed and we did not respond. Addressing us first is a precondition for you applying to the Bank of Lithuania. The decision of the Bank of Lithuania is not mandatory for us or you and you, even after the dispute was solved by the Bank of Lithuania, shall have a right to apply to the court.

15.4 In case you are generally not satisfied with us or our services, where there is no claim or disagreement between you and us, you may always approach the Bank of Lithuania by addressing a complaint to the Bank of Lithuania at Totorių str. 4, LT-01121 Vilnius, email: info@lb.lt, or to the Financial Market Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: frpt@lb.lt.

15.5 The European Commission’s online dispute resolution (“ODR”) platform can be found at https://ec.europa.eu/consumers/odr/main/?event=main.adr.show. The ODR platform can be used to resolve disputes between us and consumers.

16. How we use your information

16.1 We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and utilise a certified 3rd party service provider to verify your identity. 16.1.1 If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address.

16.2 To comply with applicable know-your-client-rules and anti-money laundering regulations (such as the Law on the Prevention of Money Launderingand Terrorist Financing of the Republic of Lithuania No VIII-275 of 19 June 1997 (as amended), we and/or the Card Distributor and/or each Partner shall be entitled to carry out all necessary verifications of your identity. The above mentioned Partner and the Card Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). Such verifications will not affect your credit score but may leave a ‘soft footprint’ on your credit history. Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by lenders other than the one that carried out the search. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit.

16.3 If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information;

16.3.1 The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas.

16.3.2 Please send us an email to datenschutz@xpay.de if you would like to have details of those credit reference and fraud prevention agencies. You have a legal right to these details.

16.3.3 You have certain rights to receive a copy of any information we hold about you by sending us an email to datenschutz@xpay.de.

16.4. Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations too, for example:

16.4.1 to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, proposals and claims for all types of insurance, job applications and employee records, and to verify your identity.

16.4.2 The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the General Data Protection Regulation (GDPR) and/ or any compulsory local consumer protection laws.

16.5 When you have an agreement with us, we may use the following types of information about you:

16.5.1 information you give us or we already hold about you, including any phone number you call us from, which we may record;

16.5.2 information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies;

16.5.3 information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us, and

16.5.4 information we receive from anyone who is allowed to provide us with information about you.

16.6 We will process, use, manage, control, release and record information about you to:

16.6.1 search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account;

16.6.2 manage your accounts and policies, and manage any application, agreement or correspondence you may have with us;

16.6.3 carry out, monitor and analyse our business;

16.6.4 contact you by post, by phone, by email or in another way about other products and services which we consider may interest you –if you have given us permission to do so;

16.6.5 fight fraud, money-laundering, terrorism and other crimes, and

16.6.6 keep to any laws or regulations in any country.

16.7. We may reveal information about you:

16.7.1 to any person working for us or our co-brand partner or our customer service partner;

16.7.2 to fraud prevention agencies;

16.7.3 to any organisation, which backs any of our products which you hold;

16.7.4 to any payment system under which we issue your card

16.7.5 if a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside Lithuania or Germany);

16.7.6 to any person to whom we transfer any of our rights or obligations under any agreement we may have with you, and

16.7.7 to anyone you authorise us to give information about you to.

16.8 Processing your information, as described above, may involve sending it to other countries outside of the EEA including the United States of America. In such circumstances we are responsible for making sure that your information continues to be protected.

16.9 We will keep information about you for only as long as we need to or is required to meet legal obligations.  

17. Miscellaneous

17.1 The Terms and all communications will be in the official language (Lithuanian) and in English, or, by agreement between you and us, in another language agreed. We shall communicate in the official language (Lithuanian) or in English, or by agreement, in another language agreed between you and us.

17.2 These Terms are governed by Lithuanian law and you can bring legal proceedings in respect of these Terms in the Lithuanian courts.

18. Summary Box

This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees and restrictions that apply to each card are set out below.

Annex A – Fees Table

This table summarises key product features and information and is not intended to replace the terms and conditions of the product. The fees and restrictions that apply to each card are set out below.

One time and recurring fees
Initial issuing fee 24.95 €
Shipping costs 4.95 €
Yearly fee year 1 free of charge
Yearly fee for subsequent years free of charge
Monthly fee 1.99 €
Monthly fee for providing payment functionality (after 6 month)[1] 1.99 €
Monthly fee for administration of remaining balance (after card closure)[2] 1.99 €
Card Loading
Administration fee for bank transfer / SEPA-Region 1.99 €
Cash withdrawal and transaction fees
Transaction fee (POS and e-commerce) SEPA-Region free of charge
Foreign exchange outside SEPA-Region[3] 2.49%
Cash withdrawal ATM domestic[4] 2.99 €
Cash withdrawal ATM abroad[4] 2.99 €
Other Fees
Email notification free of charge
Unblocking a blocked card[5] free of charge
Cancelling card / closing account free of charge
Card blocking free of charge
Product upgrade fee free of charge
Balance inquiry service ATM 0.29 €
SMS notification 0.29 €
Returned mail 0.99 €
PIN mail[6] 3.99 €
Replacement card fee 9.99 €
Renewal card fee 9.99 €
Rejected load[7] 9.99 €
Redemption funds[8] 14.99 €
Chargeback[9] 29.99 €
Usage restrictions
Use of the card in taxi cabs disallowed
Use of the card at self-service petrol pumps disallowed
Use of the card at parking and garages disallowed
Use of the card at car sharing providers disallowed

[1] This fee is not applicable for every calendar month given that the following conditions are met: cardholder has used their card a minimum of one time with the intention of payment within the six months prior to the relevant payment month.

[2] This fee is not applicable for every calendar month given that the following conditions are met: no balance on card or cardholder has sent a correct redemption request form lately 30 days after the cancellation date and the redemption of the funds was completed.

[3] The foreign exchange fee is charged for each transaction outside of SEPA-Region (transaction at POS, e-commerce or ATM), which is done in a currency other than the currency of the card.

[4] ATM providers may raise additional charges.

[5] If a card is misused by a customer, the card will be blocked temporarily. After clarification the card can be unblocked.

[6] First PIN mail is free of charge, fee is charged for any subsequent PIN mail requests.

[7] The fee is applied in the case of an authorised load, which overdraws the maximum load or limit of loads.

[8] You can redeem all or part of your balance until the date that is 6 years after the expiry date shown on your card. Any redeemed funds will be transferred into a bank account with a valid IBAN which is in your name. For this we will request proof from you that the account is in your name.

[9] A Chargeback fee is applied in the case of a disputed transaction, where our subsequent investigations show the transaction was authorised by the cardholder.

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