These Prices, Special Terms and Conditions of W1TTY Products and Services (“T&Cs”) set out prices and special terms and conditions for products and services offered and provided by W1TTY Global LTD ("Company” or “W1TTY”).

These T&Cs, W1TTY Global LTD General Terms and Conditions and other legally binding documents approved (signed) by You ("Client”) form the legal agreement between You and the Company.

Terms that are used but not defined in these T&Cs shall have the meanings ascribed to them in the W1TTY Global LTD General Terms and Conditions.

Table of Contents

• Table of Contents
• Individual Services
• Monthly Fees
• Card Fees
• Card Issuance
• Physical Card Delivery (Including Card Replacement)
• Card Transactions
• ATM Fees
• Other Card Fees
• Account Top-Up Fees
• Transfer Fees
• Transfers To/From W1TTY Accounts
• Other Incoming Transfers
• Other Outgoing Transfers
• Currency Exchange
• Currency Exchange Rates
• Currency Exchange Fees
• Currency Exchange Daily Cut-Off Times
• Special Fees for All Plans
• Limits
• Limits of Card Operations
• Other Terms & Conditions
• Linked Services List
• Definitions

Individual Services

Monthly Fees

Card Fees

Card Issuance

Physical Card Delivery (Including Card Replacement)

Card Transactions

ATM Fees

Other Card Fees

Account Top-Up Fees

Fee is a Percentage of the Top-Up Amount

Transfer Fees

Transfers To/From W1TTY Accounts

Other Incoming Transfers

Fee is Per Transfer

Other Outgoing Transfers

Fee is Per Transfer

[1] Transfers to a recipient outside the EEA will be sent OUR. This means that you will pay the payment transaction fees charged by the intermediary bank in full. The recipient of the payment will not pay any of the transaction fees and will receive the full amount of the payment. We have four pricing tiers for transfers to non-EEA countries:

TIER 1: Country – ISO

• Kuwait - KW, Canada - CA, Jersey - JE, Isle of Man - IM, Switzerland - CH, United States – US

TIER 2: Country – ISO

• Qatar – QA, Australia – AU, India – IN, Mexico – MX, Russian Federation – RU, Brazil – BR, Guernsey – GG, New Zealand – NZ, Philippines – PH, Mauritius – MU

TIER 3: Country – ISO

• Saudi Arabia, Bahrain, Oman, UAE, Luxembourg - Tier 3 includes any country which is not listed in Tiers 1, 2 or 4.

TIER 4: Country – ISO

• Monaco – MC, Argentina – AR, Israel – IL, Paraguay – PY, Japan – JP, Chile – CL, Jordan – JO, Congo – CG, Kenya – KE, Korea Republic – KR, Suriname – SR, Djibouti – DJ, Kyrgyzstan – KG, Swaziland – SZ, Ecuador – EC, Taiwan – TW, Ethiopia – ET, Lesotho – LS, Turkey – TR, Uganda – UG, Malawi – MW, Ukraine – UA, Uruguay – UY, Guinea – GN, , Yemen – YE, Indonesia – ID, Morocco – MA, Zimbabwe – ZW, Nepal - NP

Currency Exchange

Currency Exchange Rates

The exchange rate will be as displayed to you on the W1TTY Service when you confirm your request to send money in another currency.

Currency Exchange Fees

Fee is Percentage (%) of the Amount

[1] Any currency orders placed after 10:02 pm UK time on Sunday until the applicable cut-off time on Friday (as set out below) will be treated as a weekday order (excluding public holidays).

[2] Any currency exchange orders placed after the applicable cut-off time on Friday (as set out below) until 10 pm UK time on Sunday will be treated as weekend orders.

[3] This applies to orders placed after the applicable cut-off time (as set out below) on the day before a public holiday in the UK or country of the destination currency's central bank until 8 am local time in the UK on the next working day after any UK public holiday, or 8 am local time in the country of the destination currency's central bank the next working day after the public holiday in that country.

Currency Exchange Daily Cut-Off Times

If you want to convert money from GBP and send it in a different currency on the same day, you will normally need to do so before the cut-off time applicable to the target currency as set out in the table below.

If you miss the cut-off time, the conversion will settle on the next business day (excluding public holidays[4]) but at the same rate as displayed to you when you initiated the transaction.

[1] Currently not supported

Special Fees for All Plans

[1] A dormant account is an account that has had no financial activity for 12 or more consecutive months.

[2] Provided that the Client does not transfer his funds from his e-money account before the account closure or upon the closure of the account does not instruct the Company to transfer them to an account opened with another financial institution, the Company charge the Client the funds administration fee. The fee is charged monthly and deducted from the Client’s funds held by the Company.

Limits

Limits of Card Operations

Other Terms & Conditions

1. BINDING EFFECT 1.1. By receiving the Company’s services and using its products, the Client undertakes to be bound by these T&Cs. 1.2. Any additional terms and conditions, including but not limited to W1TTY Global LTD General Terms and Conditions, which regulate the relationship between the Company and the Client that is not stated in these T&Cs, as well as any additional services or products that the Company provides or makes available to the Client from time to time not covered by these T&Cs, may be subject to a separate agreement or annex executed between the Company and the Client. In case of any conflict between these T&Cs and separate agreements or annexes concluded between the Company and the Client, the terms of a separate agreement or annex shall prevail.
2. T&Cs CHANGES 2.1. Without prejudice to other provisions of these T&Cs, the Company reserves the right to unilaterally change these T&Cs at any time at its own discretion. 2.2. A revised edition of these T&Cs will be provided to the Client, or the Client will be informed where a revised edition of T&Cs is available for familiarisation. 2.3. In the event that the Client disagrees with the proposed changes to these T&Cs, the Client has the right to terminate these T&Cs free of charge and with effect at any time until the date of their proposed date of entry into force. The Client’s notice rejecting changes to these T&Cs will be deemed as a notice of termination of these T&Cs. 2.4. The Client is not entitled to unilaterally change, amend or alter provisions of these T&Cs.

Linked Services List

Definitions