Terms & Conditions

1. About these terms

These terms govern your use of One Bank accounts, cards and services. By opening an account you agree to them.

One Bank is a trading name of [Company legal name], registered in [Jurisdiction] (company number [Number]). [Banking licence / partner-bank disclosure].

2. Your account

You must be 18 or over and provide accurate information. You are responsible for keeping your password, transaction PIN and authentication codes secret.

We may ask you to verify your identity at any time, and some services require a minimum verification level.

3. Payments

Payments to other One Bank members are instant. Payments to other banks are processed as described in the app and may be reviewed for security.

You must ensure you have sufficient available balance, including any fees, before making a payment.

4. Fees

Our fees are listed on the Pricing page and are always shown before you confirm a payment.

5. Suspending or closing accounts

We may suspend or restrict your account to protect you or us, for example if we suspect fraud or a breach of these terms. We will tell you why where we are allowed to.

You can close your account at any time once all balances are withdrawn.

6. Liability

We are responsible for losses caused by our errors. We are not responsible for losses caused by you sharing your security details or acting fraudulently.