• The T&Cs are set out in new wording (new fees and limits are introduced (see below); new sections are added (“Other Terms and Conditions”, “List of the Most Representative Services Linked to a Payment Account” and “Definitions”)).
• A new fee, the Funds administration fee, is introduced. If 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 W1tty to transfer them to an account opened with another financial institution, W1tty charges the client the Funds administration fee. The fee is charged monthly and deducted from the client’s funds held by W1tty. This fee equals 0,5% per calendar month on the amount of funds held and administered by W1tty but not less than €1 per month.
• The limits of card operations are set out in the T&Cs. These limits can be found in the "Limits" section of the T&Cs.
• After the T&Cs come into effect, 5 is the maximum number of cards the customer can order.

Table of Contents

• Table of Contents
• Individual Services
• Account Top Up
• Transfers
• Visa Debit Cards
• Debit Card Issuance
• Debit Card Transactions
• ATM Cash Withdrawal
• Currency Exchange
• Card Plan ‘Student+’
• Special Fees for All Plans
• Limits
• Limits of Card Operations
• Maximum Number of Cards
• Other Terms and Conditions
• List of the Most Representative Services Linked to a Payment Account
• Definitions

Individual Services

Account Top Up

Transfers

Visa Debit Cards

Debit Card Issuance

Debit Card Transactions

ATM Cash Withdrawal

Currency Exchange

• Exchange rates can be seen in the App during the exchange process. Foreign exchange (FX) schedules are available at: https://support.currencycloud.com/hc/en-gb/articles/360018134019-FX-timelines.
• VISA currency exchange rates applicable to card transactions are available at: https://www.visa.ca/content/VISA/usa/englishlanguagemaster/en_US/home/support/consumer/travel-support/exchange-rate-calculator.html

Card Plan ‘Student+’

Special Fees for All Plans

Limits

Limits of Card Operations

Maximum Number of Cards

Other Terms and 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 WITTY GLOBAL UAB 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.

List of the Most Representative Services Linked to a Payment Account

Definitions