Terms and conditions

When you open an e-current account with us, you’re setting up an agreement. This is between Neofin Ventures, trading here as Unizest and you, the person we’ve opened the e-current account for. You can find out more about Neofin Ventures here https://neofinventures.com/

You’ll find your agreements below to read and you’ll notice different legal entities named. That is because Unizest is not a bank, we’re an electronic money product and we distribute on behalf of PayrNet Limited. They are a wholly owned subsidiary of Railsbank, that holds the regulated financial services licenses and payment scheme memberships for Railsbank. You can find out more about them here https://www.railsbank.com/payrnet

Unizest e-current account holders have the option to order a Unizest Debit Mastercard, this is issued by PayrNet Limited who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. You can find out more about Mastercard’s Debit card here: https://www.mastercard.co.uk/en-gb/personal/find-a-card/standard-mastercard-debit.html

Unizest Fee Information

Unizest Fee Information Document    PDF [120K]

PayrNet Ltd Electronic Money Terms and Conditions

PayrNet Ltd Electronic Money Terms and Conditions    PDF [131K]

PayrNet Ltd Terms and Conditions for Mastercard Holders

PayrNet Ltd Terms and Conditions for Mastercard Holders    PDF [157K]