Preamble

 

Numeos offers interested private individuals with the possibility to register at and participate in the platform (hereinafter: “Platform”) for savings accounts at www.numeos.com. The Platform offers private individuals contract savings accounts (e.g. term deposits or easy access accounts) of UK-based banks which hold an appropriate license (hereinafter: “Partner Bank” or “Partner Banks“).  Numeos advises customers on most appropriate deposit product or combination of products for them, matches that with offers of Partner Banks and enables the seamless conclusion of a contract between the customer and the Partner Bank.

 

These terms (collectively “Terms”) comprise of the following documents:

  • Savings Platform terms and conditions with Numeos;
  • NumeosMart terms and conditions with Numeos;
  • General information on Numeos; and
  • Savings account / term deposit contract(s) with Partner Bank(s) which are agreed upon separately during the account opening process.

Please read these Terms carefully before activating your Numeos account or using any of our services. By agreeing with these Terms or using your Numeos account or our services, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our site or our services. We recommend that you print a copy of these Terms for future reference. If there is anything you do not understand, please don’t hesitate to contact Customer Services using the contact details provided in these Terms.

 

Savings Platform Terms and Conditions

 

Scope

These Terms and Conditions (hereinafter “Numeos Platform Terms“) shall govern the relationship between you and Numeos with respect to your use of Numeos Platform and related services.

The offering of Numeos is solely intended for private clients (natural persons) of legal age with permanent residence in the European Economic Area or Switzerland, with existing funds in the UK in the form of current or savings accounts with a UK-based bank.  US citizens and US Green-Card Holder, and in general any US Person within the meaning of the U.S. Foreign Account Tax Compliance Act (FATCA) are excluded from the offering.

Subject and Purpose of these Numeos Platform Terms

(a) These are the terms and conditions on which we supply services to you through Numeos Platform.

(b) Numeos Platform is online software applications provided by Numeos for your use which allow you to apply and enter into savings accounts contracts (e.g., fixed-rate bonds, easy access) offered by authorized banking institutions in the UK (“Partner Banks”) using the Platform.  Please acknowledge that you are entering into separate individual agreement with the specific Partner Bank each time you open an account.

These Numeos Platform Terms also cover the provision by Numeos of simplified advice and recommendations to the customer regarding type or suitability of deposit products (no capital at risk), with regards to access and liquidity constraints.  Numeos will then suggest a specific set of savings accounts to the customers, the combination of which fits the liquidity / access profile of the customer.  The combination of these accounts is referred to as the synthetic Numeos account.

The Platform provides its customers with possibility to directly conclude contracts with the proposed Partner Banks, or any other Partner Bank the customer might choose. In particular, the platform allows customers to review and accept our Partner Banks individual Terms and Conditions.  It also provides the opportunity to open many savings accounts over time without being required to repeatedly enter their personal data, submit documents or undergo identification procedures after having successfully concluded a contract for the first time.

Numeos also allows its customers to view the synthetic and the individual views of their account information and status of deposits contracted or not through its platform.  Numeos does not guarantee the completeness, correctness, and topicality of information, which is provided by third parties.

Finally, customers will have the possibility to initiate transactions on the accounts contracted through our platform with our Partner Banks.  Payment instructions and consent can be given directly through our website or app. The scope of transactions is limited to and from banks accounts opened through the Numeos platform (current or savings) as well as the original account(s) from which funds were initially provided.

Numeos does not provide legal, investment or tax advice. Numeos is not responsible for the correct tax assessment of interest income.

Numeos does neither owe any brokerage services nor a successful brokering with respect to the conclusion of deposit contracts. It is at the Partner Bank’s discretion whether a contract with the customer is concluded or not unless the Partner Bank is legally obliged to enter into a contract. Each Partner Bank is entitled to refuse the conclusion of a contract with the customer at any time and without giving any reasons.

Numeos does not render any banking services, in the sense of collecting deposits. Numeos does provide payment services AISP and PISP such as described by FCA (link). In particular, this implies that Numeos does open accounts with the Partner Banks on behalf of its customers, does accept and initiate payment orders, but does not act as an account-holding institution.

Our contract with you

Our acceptance of your order to open savings account or to render any other services as set out in these Numeos Platform Terms will take place when we inform you to accept it, at which point a contract will come into existence between you and us.

If we are unable to accept your order, we will inform you of this and will not charge you for any services. This might be because of rejecting the order by Partner Bank, because of security reasons, because a credit reference we have obtained for you does not meet our minimum requirements.

By successful completion of the online registration/onboarding process, you confirm that you accept these Numeos Platform Terms and that you agree to comply with them.

Accessibility

Numeos strives for high technological standards. However, Numeos emphasizes that given the technology in use (hardware and software), errors which can lead to damages cannot be excluded. In particular, Numeos neither owes nor guarantees continuous accessibility of the Platform.

Liability

(a) Liability for gross negligence

Numeos assumes liability in cases of intent or gross negligence of Numeos, or a representative or agent, as well as in cases of at least negligently caused injury to life, body, or health in accordance with the statutory provisions. Apart from that, Numeos assumes liability only for damages caused by the culpable violation of essential contractual obligations, and for damages caused by non-compliance with explicit warranties or guarantees. The claim for damages caused by the culpable violation of essential contractual obligations is limited to the typical contractually foreseeable damage, as far as not any other of the cases mentioned in Sentence 1 of this Section (a) is given together with such culpable violation of essential contractual obligations.
Besides major contractual obligations, essential contractual obligations also cover obligations, whose fulfillment enables the proper implementation of the Agreement in the first place and on which the customer may rely upon.

(b) Liability for service provided

Numeos does not assume any liability for the validity of the contracts between the customer and other contractual parties (Partner Banks). Moreover, Numeos does not assume any liability for the risk, that customer applications are rejected, are not processed at all or only processed with delay. Numeos does not assume any liability for the accuracy of documents, messages or other information which the contractual partners have made available to the customer. Finally, Numeos does not assume any liability from the product recommendation unless explicitly specified during the recommendations process (e.g. no-overdraft guarantee)

(c) Liability for unauthorized transactions

If you have a reason to believe that a transaction on one of the accounts with our Partner Banks was not authorised by you or was made incorrectly, you must inform our Customer Service immediately, but in any event within 13 months of the date of the relevant transaction.

If you inform us of an unauthorised or incorrectly executed transaction:

  • we must be able to prove that the transaction took place AND was initiated by Numeos;
  • we will immediately refund the amount to the relevant account to the position it would have been in if the unauthorised transaction had not taken place. We will have no further liability to you. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to reapply the transaction, including any charges, to the Account. In this event we will charge you a small administration fee;
  • if there are reasonable grounds for thinking that you may not be entitled to a refund (based on the evidence available to us at the time you report the unauthorised transaction), we may investigate before giving you a refund.

If you tell us that a transaction has been made incorrectly, we will:

  • immediately refund your relevant Account with the amount of the non-executed or defective payment transactions and, where applicable, restore your relevant Account to the state in which it would have been had the defective transaction not taken place.
  • If you ask us to, we will make immediate efforts to trace the transaction and notify you of the results.

Notice to Customers regarding advice and product recommendations

Numeos provides customers with advice using a streamlined process aiming to address straightforward needs. This advice is limited to the suitability of suggested deposit product portfolio with regards to the customers short-term liquidity needs. This simplified advice is generally appropriate for people who have immediate financial priorities covered, do not need to reduce existing debt, have adequate emergency funds and have insurance to protect their families if anything were to happen to them.

Our advice is restricted to the specific amount that our customers place with us. When ensuring the advice is suitable, we do not consider the whole financial picture or existing financial products our customers might have. We do not consider all products and services that could be suitable, besides savings accounts.

 

How we may use your personal information

We will only use your personal information as set out in our [LINK TO PRIVACY POLICY].

Customer’s Duty to Cooperate vis-à-vis Numeos

(a) Using the Platform requires, that the customer has at his/her disposal the relevant technical equipment to access the Platform via internet (computer, internet access, email address).

(b) For the proper processing of the business transactions, it is necessary that the customer immediately notifies Numeos about changes in name, marital status, contact data, incl. address and bank account. If a customer becomes a US Green-Card Holder through the course of the business relationship, he has to immediately notify Numeos.

(c) The customer’s orders and instructions must unequivocally permit identification of the substance of the transaction as requested in our website. The customer has to ensure that no errors in data transmission, no misunderstanding, no misuse, no errors or mistakes occur when entering the requested information. Insofar as information or confirmation provided from Numeos differs from the customer’s order or instruction, he has to complain immediately.

Fees and Commission Payment

(a) Numeos’s services directed to the customer in the context of the Product Numeos, are charged as basis points of the overall amounts placed through Numeos (or as a form of net interest vs. gross interest paid by Partner Banks).  Further information is provided in the section “Fee Schedule for the Product Numeos”.

(b) For the services provided by Numeos to the Partner Banks, Numeos receives a service fee from the respective Partner Bank. These commission payments allow Numeos to offer the services to the customers at a lower price, and to improve the quality of service.

Cancellation rights

(a) Cancellation rights

You can cancel / revoke your contractual declaration within 14 days by a clear notice without stating any reasons. The revocation period shall commence upon receipt of this notification on a durable medium, however not before entering into a contract.

In order to comply with the revocation period, it suffices to send the revocation in due time if such revocation notice is furnished on a durable medium (e.g. email, letter). The revocation shall be addressed to: Numeos, 239 Kensington High Street W8 6SA London, email: service@numeos.co.uk or telephone: 0800xxx.

(b) Consequences of Cancellation

In case of an effective revocation the mutually received benefits are to be returned. You are obligated to pay compensation of equal value for the services received up until the revocation if you have been so informed before your contractual declaration and you have accepted explicitly that we start providing our services before the end of the revocation period. If an obligation to pay compensation for the services received exists this may involve your continued performance of your contractual payment obligations for the time leading up to the revocation. Your right of revocation shall expire prematurely if the agreement, at your expressed consent, has been executed in full by both parties prior to you exercising your right of revocation. Amounts to be refunded must be remitted no later than 30 days. The period shall commence for you upon sending your revocation notice, and for us upon receipt thereof.

 

(c) Special notes

 

In case of revocation of this contract you are not bound to any additional distant sale contract, if such additional contract involves a service provided from us or from a third party based on an agreement between us and the third party.

 

Ending this agreement

(a) The term of this contract is unlimited. It can be ended through termination by the customer or by Numeos to the end of each month with a two-week notice period.

 

(b) If the customer has entered into deposit contracts with a Partner Bank, the termination takes effect when all deposits have been transferred back to the customer’s original account, in case of term deposits typically at regular maturity of the deposit.

 

(c) The right of termination for good cause remains unaffected.

 

(d) The provision of services from Numeos requires valid contracts between the customer and Numeos. Moreover, respective releases on data protection for Numeos (see number 11) are required. If a customer terminates his/her contract vis-Ă -vis Numeos, or if a customer revokes his/her release on data protection vis-Ă -vis Numeos, Numeos is entitled to terminate the respective contract with the customer for good cause, as long as the customer has not already terminated the respective contract.

 

(e) To take effect, any termination of this Agreement must be communicated in writing (e.g., email or letter).

 

Changes to these Numeos Platform Terms

These Numeos Platform Terms can be changed at any time in case there is a legitimate interest of Numeos and thereby can be readjusted to the new circumstances. A legitimate interest is assumed in particular in cases where the legal situation changes, in cases of supreme court jurisdiction, in cases of changing market conditions, or a currency changeover or similar events. All customers are informed about any Numeos Platform Terms change two (2) months prior to the date at which the changed T&C enter into effect in writing (letter, email or Postbox). As long as the customer objects the changes within two (2) months the T&C in their previous version shall remain applicable. The T&C shall be assumed to be accepted by the customer in the revised version if the customer does not object within the aforementioned period and as long as he or she does not terminate. The revised T&C shall likewise be assumed if the customer continues to use the services of Numeos after the revised T&C have entered into effect. Numeos is committed to inform the customer in particular about his/her right of objection and the consequences of continuing to use the services. This information shall be contained in the notice about the change in the T&C at the beginning of the period.

 

Complaints and contact

If you would like to make a complaint, or contact us for any other reason connected to these terms and conditions please write to Numeos, Suite 311, 239 Kensington High street, W8 6SA, or contact us via the Numeos website or web app, or call us on 0800XXXX. We have procedures in place to make sure that we handle your complaint fairly and quickly. However, if you are not satisfied with the outcome of your complaint, you can contact the Financial Ombudsman Service by writing to Exchange Tower, London, E14 9SR; calling them on 0800 023 4567 or 0300 123 9123; emailing on complaint.info@financial-ombudsman.org.uk; or through their website www.financial-ombudsman.co.uk.

 

 

NumeosMart terms and conditions

 

  1. Scope of these terms

These are the terms and conditions on which you agree to use NumeosMart (“NumeosMart Terms”).

 

For the purposes of these NumeosMart Terms “Partner Bank” mean  Numeos partners’ banks’ networks listed from time to time at Numeos’ web’s or app’s page displaying directory of partner banks.

 

  1. General
    • You understand and accept that:

 

  • Numeos provides the service by enabling you to discover services provided by its Fintech partners. A list of Fintech Partners from which Numeos advertizes the service can be found at Numeos’ site or app. Numeos’ list of Fintech Partners may change at any time and nothing in these terms and conditions obliges Numeos to provide the service using any specific Fintech Partners. Numeos does not represent, warrant or guarantee that you can access the service or that you can continue to access the service via any particular Fintech Partners at any time.

 

  • Fintech Partners are independent service providers and Numeos does not represent, warrant or guarantee that the Fintech Partners’ services you receive will fit for your particular purpose, will be suitable for your specific needs or will be at no risk.

 

  • You acknowledge and agree that any use of the service by you complies with these NumeosMart Terms, any other Numeos’ terms as applicable to particular situation, and the terms and conditions of use of the Fintech Partners, and therefore we encourage you to read and assess carefully all Fintech Partners’ terms and conditions applicable to your situation before using any of their products or services. Fintech Partners’ terms and conditions with respect to particular products can be found on their respective websites or, if you have any concerns regarding Fintech Partners’ terms and conditions, please contact us through app’s support option.

 

  • Discovery of the services is provided for your use only. You may not re-sell the services to any third party for money or money’s worth or otherwise provide use of the services to anyone else.

 

  • The information with respect to Fintech Partners’ terms of saving accounts published on our site or app, which does not purport to be comprehensive, has been provided by Fintech Partners and has not been independently verified. While this information has been prepared in good faith, no representation, warranty, assurance or undertaking (express or implied) is or will be made, and no responsibility or liability is or will be accepted by Numeos or by its officers, employees or agents in relation to the adequacy, accuracy, completeness or reasonableness of this information, or of any other information (whether written or oral), notice or document supplied or otherwise made available to any interested party or its advisers in connection with your use of Fintech Partners’ services. All and any such responsibility and liability is expressly disclaimed. You acknowledge and agree that no Numeos’ person has, nor is held out as having, any authority to give any statement, warranty, representation, assurance or undertaking on behalf of Fintech Partners in connection with your use of Fintech Partners’ services.

 

  • The content, and the availability of Fintech Partners’ services on NumeosMart, should NOT be construed as any form of:

 

  • advice, recommendation, endorsement or solicitation; or

 

  • representation, warranty or guarantee that such services are appropriate or suitable for you.

 

1.3. You should obtain independent professional advice in respect to any Numeos’ or Fintech Partners’ products or services you wish to use, download or otherwise interact with.

 

  1. Things you must not do

2.1. You agree that you will not:

 

2.1.1. access or use NumeosMart, Products or content for any commercial or business purposes;

2.1.2. do anything that affects the integrity or security of NumeosMart or causes (or may cause) harm, damage or unreasonable inconvenience to other users of NumeosMart or us;

 

2.1.3. gather, extract, download, reproduce, display and/or advertise on any website, other online or off-line service or otherwise, any content;

 

2.1.4. copy, modify, duplicate, create derivative works from, frame, mirror, republish, download, display, transmit or distribute all or any part of NumeosMart or content other than permitted by your Licence (as defined below);

 

2.1.5. reverse compile, disassemble, reverse engineer or otherwise reduce to human perceivable form all or any part of NumeosMart;

 

2.1.6. access NumeosMart or use the content in order to build a product or service which competes with our products, services, any of the Products or the NumeosMart without our prior written consent;

 

2.1.7. licence, sell, rent, lease, transfer, assign, distribute, display, disclose or otherwise commercially exploit NumeosMart or content, or otherwise make the NumeosMart or content available to any third party; or

 

2.1.8. provide any feedback, software code, documentation or other material to us that is not yours or that you do not have permission to provide for us to use or publish.

 

  1. No Warranties

3.1. We give no representations, warranties or guarantees, whether express or implied, that:

 

3.1.1. NumeosMart, Products or content will be free from errors or omissions. These are provided “as is” and “as available” and your use of these is at YOUR OWN RISK;

 

3.1.2. the content is accurate, complete or up-to-date; or

 

3.1.3. NumeosMart, Products or content will be secure or free from bugs or viruses.

 

3.2. You are responsible for configuring your information technology, computer programmes and platform in order to access NumeosMart, Products and content.

 

  1. Liability

4.1. We accept liability for the following:

 

4.1.1. if we don’t comply with our obligations under this Agreement;

 

4.1.2. in other circumstances where our liability is not able to be limited under any applicable law and nothing in this Agreement is intended to exclude or limit our liability in relation to this.

 

4.2. Nothing in this Agreement shall be read as an attempt by us to limit our liability for death or personal injury as a result of our negligence or that of our employees.

 

4.3. We are NOT liable for any matter as far as the law allows except those above where we have accepted liability. Matters for which we are NOT liable include the following:

 

4.3.1. business losses (as NumeosMart is only for domestic and private use and therefore there can be no loss of profit, loss of business, business interruption, or loss of business opportunity);

 

4.3.2. losses if you are unable to access NumeosMart, Products and/or content;

 

4.3.3. if the device you use to access NumeosMart, Products and/or content doesn’t work properly;

 

4.3.4. any loss or damage arising out of your use of, or inability to use, NumeosMart, Products and/or content;

 

4.3.5. any loss or damage arising out of material, web-links, opinions or any other information made available by third parties, including Providers, to you via NumeosMart;

 

4.3.6. losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control and our efforts to the contrary (e.g. failures caused by industrial action, problems with another system or network, third party viruses or malware);

 

4.3.7. where you have been fraudulent or careless or where you have breached this Agreement;

 

4.3.8. any consequential or similar types of losses from timing delays where we must comply with the law.

 

4.4. NumeosMart, Products and/or content may contain links to other sites or resources provided by third parties. These links are provided for your information only. We have no control over the contents of those sites or resources. We assume no responsibility or liability for the content of websites linked on NumeosMart. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

 

  1. Intellectual Property

 

5.1. We grant you (to the extent we are able, it being acknowledged there may be open source or third party software in  such) a non-exclusive, non-sublicensable and revocable licence, for the term of this Agreement, to access NumeosMart and view the Products and content via the Numeos app (we call this “your Licence”).

 

5.2. You accept that NumeosMart, Products and content are protected by copyright, trademarks and other intellectual property rights owned by us or licensed to us. Except as allowed under your Licence, you may not use, copy or distribute any of the NumeosMart, Products or content for any purpose without our written permission and no other rights, title or interest in them are granted to you.

 

5.3. You agree that you will automatically grant us a non-exclusive, perpetual, irrevocable, royalty-free and sub-licensable licence to all intellectual property rights in:

 

5.3.1. any of your feedback on, or in connection with, NumeosMart, Products, Providers and/or content; and

 

5.3.2. improvements (including ideas for improvements and software code, documentation or other material documenting improvements) to the NumeosMart, that you make publicly available to us, including through our websites, NumeosMart or on any other application, platform or open source repository.

 

  1. Access

6.1. We may, from time to time, amend NumeosMart, Products and/or content, as well as your access to NumeosMart, Products and/or content, at our sole discretion and without giving notice to you.

 

6.2. We may also suspend, withdraw, discontinue or change all or any part of the NumeosMart, Products and/or content for any reason and without notice to you.

 

6.3. You can decide to stop using NumeosMart, Products or content at any time.

 

6.4. If you stop using NumeosMart this Agreement will no longer apply, except for the provisions under the headings Responsibility for Products, No Warranties, Intellectual Property, Liability and General.

 

  1. General

7.1. If we agree in writing, you can assign your rights under this Agreement or delegate your obligations under this Agreement to any person. Otherwise, you cannot do this for any reason. We may assign our rights and/or delegate our obligations under this Agreement at any time and without notice to you.

 

7.2. If we don’t insist that you perform your obligations under this Agreement, it doesn’t mean you don’t have to. Similarly, if we don’t enforce our rights under this Agreement, or we delay in doing so, it doesn’t mean we’ve given up those rights.

 

7.3. Each term of this Agreement operates separately. If any court of competent authority decides that any of them are unlawful or unenforceable, the other terms will remain in full force and effect.

 

7.4. These NumeosMart Terms constitute the entire agreement between you and us in relation to its subject matter, and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, in relation to that subject matter.

 

7.5. You acknowledge that in agreeing to the terms contained in this Agreement, you have not relied upon any oral or written statements, promises, collateral or other warranties, assurances, undertakings, misrepresentations or representations that were made by or on behalf of us in relation to the subject matter of this Agreement at any time before your acceptance of this Agreement (“Pre-Contractual Statements”), other than those that are set out expressly in this Agreement. You hereby waive all rights and remedies which might otherwise be available to you in relation to such Pre-Contractual Statements (although nothing in this clause shall exclude or restrict liability of you or us arising out of pre-contract fraudulent misrepresentation or fraudulent concealment).

 

7.6. This Agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) is governed exclusively by and are construed exclusively in accordance with the law of England and Wales. You and we agree that the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Agreement or its subject matter or formation (including non-contractual disputes or claims).

 

7.7. References to the word “include” or “including” (or any similar term) in this Agreement shall mean “including without limitation”.

 

  1. NumeosMart Interest Top-ups

8.1. We offer top-up interest if you sign-up and use the NumoesMart functionality of our app.

 

8.2. We curate for you some of the best FinTech offerings: only the best in their category, with proven products, rave customer reviews, and trusted by world-class investors.

 

You can ignore them explore further and even sign up to your preferred ones. The more you engage, the higher the earnings on your savings pot.

 

You could refer to information specified in our website / app to find out more about your options.

 

8.3 Top-up interest is calculated daily / shown on your app.

 

8.4. Top-up interest is accrued and paid in full on the maturity date of the savings account if fixed term deposit and top-up interest is accrued and paid monthly for easy access accounts.

 

8.5 If you have many savings accounts with partner banks interest calculations, accruals and payment are made account by account

 

8.6. In the unlikely event, bankrupt / out of business / stop operations, non-accrued interest is not due by Numeos (even if appear on app)

 

8.7 Numeos had the right to change any NumeosMart top-up interest before it accrues  without further notice.

 

 

 

General Information on Numeos

 

Name and Address of Numeos

Numeos ltd

239 Kensington High Street, Regus 311

W8 6SA  London

United Kingdom

Website: www.numeos.com

Email: info@numeos.co.uk or service@numeos.co.uk

Phone: 0800XXXXX

 

Legal Representatives

Managing Director: Farid Sedjelmaci

 

Main Object of the Company

Operating an internet platform for savings accounts and account information.

 

Supervisory Authorities and Deposit Guarantee

AISP and PISP with FCA.  All deposits with our Partner Banks are guaranteed by the FSCS

 

Governing Law

The business relationship between the customer and Numeos shall be governed by the Laws of England & Wales, excluding the reference provisions of the International Private Law. If the customer has no general place of jurisdiction in England & Wales, exclusive jurisdiction for all disputes shall be the seat of Numeos.

 

Our Fees

Numeos charges its customer for the rendered services.  Typically, a small portion of the interest earned on the funds will be charged by Numeos to our customers.  This portion depends on individual client conditions (amount placed, loyalty, recommendations to friends) and varies between 10 to 20 basis points.  The specific amount charges will be clearly displayed during the onboarding / sign-up and top-up processes.  Our fees will be taken out of our customer’s hub account.

 

Our fees are waived for 1 year for our customers joining before 31/12/2018

 

All services provided by partner banks are generally free of charge for the customer as well, unless described otherwise in the fee schedules of the respective partner bank.

 

Opening of the account (including identification procedure)

  • GBP transfers to and from the Numeos Account:
  • To/from the reference account
  • To/from accounts with Numeos partner banks
  • Ongoing account management
  • Blocking/unblocking of access to the Online Banking System
  • Change of customer data (e.g., name, address)
  • Change of account data (e.g., reference account)
  • Online balance confirmation at the end of the calendar year
  • Notifications and download/upload of documents in the Online Banking System
  • Account closure
  • These schedules are highlighted on these Terms that customers agree upon individually with our partner banks through our platform

 

Our customer service is provided free of charge:

  • By email: free
  • By phone: the costs will be dependent on the customer’s telecommunications provider
  • By mail: the customer may incur postage costs
  • Business days correspond to bank working days (Monday – Friday) although our service will be available 24/7 on our website and app.

 

100% Guaranteed