frequently asked questions

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about

Bofin is a marketplace for financial products and services. All financial products and services available on the Bofin app are provided to you directly by Financial Institutions in accordance with their regulatory obligations.

No.

Bofin is a UK-based technology company and mobile app, and does not provide financial products or services.

All financial products and services available on the Bofin app are provided to you directly by Financial Institutions in accordance with their regulatory obligations.

Once you’ve downloaded the Bofin mobile app and created your Bofin Profile, you will be able to access the Bofin marketplace. Here you will find financial products and services provided by Financial Institutions.

Today you can apply for current accounts, order physical Mastercards and have them delivered to you directly, as well as shop for other financial products and services.

join bofin

installing the app

The Bofin app is available to you anywhere in the world and can be downloaded directly from Google Play or the Apple App Store for free.

Bofin is currently available for iPhones with iOS 5 or newer versions, alternatively Bofin is available for phones that support Android 5.5 or newer. Please note that some of the financial products or features have location restrictions. Unfortunately, Android tablets and iPads are currently not supported.

Click below to download Bofin today:

iOS: https://itunes.apple.com/SG/app/id1449946122?mt=8

Android: https://play.google.com/store/apps/details?id=com.bofin.bofin

creating a profile

You will need to provide your first name, last name, date of birth, and the country where you live. You will have the option to register via email address or phone number.

Verifying your email address or phone number is one of the ways we ensure that your Bofin Profile is secure. To verify your information, we will send a 6 digit one-time-password (OTP) to your inbox or phone. Use the OTP to verify your email address or phone number within 60 seconds. Should you encounter any problems during this process, please contact us via our live chat in the app or by emailing us on support@bofin.com.

You will be asked to create a secure password.
Creating a unique, strong password is necessary to protect your Bofin Profile.

Below are the minimum requirements for creating your password:
– 8 or more characters
– 1 upper and lowercase letter
– 1 number
– 1 special character (e.g. !@*#)

We recommend using a randomly generated password and avoiding any password that you have previously used.

Bofin uses state-of-the-art facial verification software to unlock the Bofin app, and to secure your transactions. It’s one of the ways we ensure that your accounts and funds are kept safe. All you need to do is take a selfie! #NoFilters 😉

And that’s it! You can begin using the Bofin app immediately and start finding financial products and services. 😄

Your Bofin app is secured by a 6-digit PIN-code. You will be asked to create your PIN during the Profile registration process. After you have created your Profile, you can use this PIN to unlock the Bofin app quickly and easily.

You can enable Face or Touch ID on your iPhone device as part of the registration process. Alternatively, navigate to the Security settings in your home menu and slide the toggle to enable it. Remember, these features need to be set up on your device before you can utilise them within the Bofin app.

Android devices that are equipped with Fingerprint ID can also be enabled in the same way.

Organize your financial products under your Business Space and your Personal Space, easily switch between Business and Personal using the in-app menu button, all under your single Profile.

Follow the steps below to ensure you receive your email address or phone number one-time password:

Ensure you have entered your email address or phone number correctly.

Remember that your country dialling code is automatically added before your number. For example, when entering a UK number: [07251446726], enter it as +44 [7251446726].

Double check that your device has full internet access with a strong signal.

Your 6-digit OTP should come to your inbox or messages folder immediately. Check your spam folders if it does not.

If your code has expired: select “Resend code” and ensure that you verify your email address or phone number within 60 seconds.

If the problem persists, contact us via our live chat in the app or by emailing us on support@bofin.com.

Phone numbers from over 70 countries are supported. When registering, click on the country dialling code field (e.g., +44) and type in your country. A default country dialling code will be pre-selected based on your current location. Alternatively, you can scroll to select your country’s dialling code. Please note that you may be charged for the phone verification code, sent via text message, depending on your mobile provider.

verify your identity

In order to start using financial products and services, you need to submit your identity documents to verify your identity. It ensures that the Bofin marketplace is protected from fraudulent activity.

The process is quick and simple and enables you to start transacting fully on the Bofin marketplace. Bofin requires one of the following to verify your identity: a government-issued identification document such as your Passport, Driving License or ID Card.

To start the verification process, tap the ‘verification’ banner on the Home or Wallet screen of your app, and select the country of your government-issued identification document and then select your ID type i.e. a passport or a driving license.

Hold your ID in the frame, and stay still until it scans your ID. If facial ID is successful, your identity has been verified.
For assistance with this step, contact us via our live chat in the app or by emailing us on support@bofin.com.

To start transacting on the marketplace, you must be at least 18 years old.

Of course! We accept government-issued IDs from over 200+ countries around the world.

No, unfortunately, we cannot accept your provisional driving licence for verification.
Please use an alternative government-issued ID document.

There’s nothing to worry about!
This means that the picture you took could have too much glare or blur, and as a result, we could not process it properly. Please try taking the picture again in a sufficiently lit environment such as in front of a window or light source. If you are still experiencing issues with having your ID verified, please email us on newbofiniers@bofin.com so that a member of our team can help you.

In order to start using financial products and services for your Business, you as an individual need to be a verified Bofin user (as per above), and you need to provide some basic information about the business and the people who run it. As part of our business identity verification process, we will verify the legal entity, its trading name and addresses. We take a look at your website if you have one, and we also look to verify the business’ proprietor(s) or director(s) and its major shareholders.

If your identity has not been verified – which means that you have not completed our identity verification process to confirm your identity – you will not be able to buy on our marketplace.

 

using the bofin app

You can log into the Bofin app by using either your email address or phone number you used when registering.

Simply unlock the Bofin app, and type your email address or phone number and your password in the respective log in fields. If you have forgotten your password, you can reset it by selecting “Forgotten Password”.

After you are logged into your Profile, you can use facial recognition, fingerprint ID or type in your PIN-code that you set when you registered to unlock the Bofin app.

Yes, you can use Face ID to unlock the app.

You can enable Face ID on your iPhone device. To do so, navigate to the Security settings in your home menu and slide the toggle to enable it. Remember, these features need to be set up on your device before you can utilise them within the Bofin app.

Yes, you can use Touch ID or your Fingerprint to unlock the Bofin app.

You can enable Touch ID on your iPhone device. To do so, navigate to the Security settings in your home menu and slide the toggle to enable it. Remember, these features need to be set up on your device before you can utilise them within the Bofin app.

Android supported devices equipped with Fingerprint ID can also be enabled in the same way.

Here’s how:

1. Tap on the Menu.
2. Open Profile settings.
3. Tap on “Personal Details”.

On this screen, you can view and edit your address, phone number or email.

You can change your profile picture by following the steps:

1. Tap on the Menu.
2. Open Profile settings.
3. Tap on “Personal Details”.
4. Select “Change Profile Picture”.

You will have the option to either take a picture or choose an existing picture from your phone gallery.

On your home screen, click on the bell icon to view your notifications. To allow push notifications, please enable this in your device settings. 

Not to worry! We all have forgetful days.

First, double check that you are entering the correct email address that you input when you registered. If you still can’t remember your email address, you can sign in with your phone number.

If you are still facing issues, contact us via our live chat in the app or by emailing us on support@bofin.com.

For out of hours support please email us at support@bofin.com. Our team is available Monday to Friday, from 9:00 to 17:30 GMT.

Not to worry! We all have forgetful days.

First, double check that you are entering the correct phone number that you input when you signed up. If you still can’t remember your phone number, you can sign in with your email address.

If you are still facing issues, contact us via our live chat in the app or by emailing us on support@bofin.com.

For out of hours support please email us at support@bofin.com. Our team is available Monday to Friday, from 9:00 to 17:30 GMT.

To update your PIN that you use to unlock your Bofin app, you need to pop over to your Security settings. 

Here’s how:

  1. Tap on Home.
    2. Head to the 3 horizontal lines on the top left corner of the app.
    3. Open Security settings.
    4. Under app authentication, tap on “Change Pin”.

    You will be asked to enter your current PIN and will then be able to enter your new PIN.

Share the Bofin love!

You can invite your family and friends to join Bofin by tapping on the ‘Invite’ button, found on the footer menu of the app. You will need to allow contact access to invite your friends.

If you experience any issues or have any queries about the Bofin app, you can get in touch with our Customer Support team.

We are online to assist with all your questions and concerns on Monday to Friday, from 9:00 to 17:30 GMT. ​

You can contact us via our live chat in the Bofin app. You can also contact us via our website if you are unable to do so via the app for any reason.

If you have a query outside of support hours, we recommend emailing us on support@bofin.com.

financial products offered by financial institutions

Your account and card provider is AF Payments Limited (registered number 09356276), 33 Lowndes Street, London SW1X 9HX.

AF Payments Limited is an electronic money issuer regulated by the Financial Conduct Authority under registration number FRN: 900440.

current accounts by AF Payments

All the convenience of digital banking with all the class of traditional private banking. Meliora, issued by AF Payments Ltd, is a revolutionised banking solution that allows you to manage and grow your wealth securely from anywhere in the world.

Register for a Classic or Business current account and make real-time payments to anywhere in the UK or EU.

Meliora Virtual Card

COVID-19 has overtaken the world. The contactless and the safest way to spend your money is through a virtual card. No touch. No fuss. No mess.

Your virtual card can be topped up from other (bank) accounts and is the recommended method of payment for all your online shopping. 😉

You can view  AF Payments Ltd Terms & Conditions by clicking HERE.

Proto, issued by AF Payments, is designed with young professionals in mind. It is never too early to start being money-wise. Skip the queues and make banking a simple (digital) pleasure. This value-driven current account gives you a premium banking service without the frills so you can manage your finances with just a few clicks – banking as it should be.

Proto Virtual Card

COVID-19 has overtaken the world. The contactless and the safest way to spend your money is through a virtual card. No touch. No fuss. No mess.

Issued by AF Payments, your virtual card can be topped up from other (bank) accounts and is the recommended method of payment for all your online shopping. 😉

You can view  AF Payments Ltd Terms & Conditions by clicking HERE.                       

Raris, is where luxury meets peace of mind. Think 5-star hotel, but for your wallet. Crafted by The Royal Mint, your 18 Karat Raris debit card comes with a 24/7 premium concierge service and zero fees for the first two years.

With its bespoke card chip programming, your Raris current account is one of most secure in the world, designed to protect you from fraud. Raris also comes with a virtual card, free of charge, so that you can shop online without providing your physical card details to an unknown third party.

payment services by AF Payments

If there’s one thing we believe, it’s that payments should be simple – no matter who they’re going to or what they’re for. Your Bofin Profile enables you to make User-to-User payments quickly and safely. They’re instant, personalised, and free. 🙂

Do you have a business and want to start accepting payments today? Try QR payments for a quick painless payment solution. The COVID-19 pandemic has catapulted digital payments into the spotlight. Offer QR payments to your customers and start accepting contactless payments at your business today. It’s easy to understand and even easier to use.

In 2021, payments shouldn’t take three working days to clear right? Faster Payments enable quick and simple bank-to-bank transfers within the UK so you can send money or make payments in a matter of seconds.

Via SEPA, you are currently able to process European domestic payments. The processing times for these payments are as follows:

Payments made before 10 AM GMT – Same day
Payments made between 10 AM and 4 PM GMT – Next Day
Payments made after 4 PM GMT – 2 days

Domestic electronic payments in EUR rely on payments schemes known collectively as SEPA. The European Payments Council has confirmed that the UK continues to participate in the SEPA schemes after Brexit.

Whilst you can send money domestically in the UK or Europe, in GBP or EUR, international payments are coming soon which will allow you to make wire transfers to over 200 countries in local currencies.

how to use your AF Payments Current Account(s)

Your account number and sort code can be found on the main page of the Wallet in your app.

Here’s how to find it:

  1. Open your Wallet.
  2. Select your GBP personal current account.
  3. Tap on Account Info.

Your IBAN can be found on the main page of the Wallet.
Here’s how to find your EUR IBAN:

1. Open your Wallet.
2. Select your EUR personal current account.
3. Tap on Account Info. Here you’ll be able to find your account details.

Here’s how to find your GBP IBAN:

1. Open your Wallet.
2. Select your GBP personal current account.
3. Tap on Account Info.
4. Tap on International. Here you’ll be able to find your account details.

You can find your bank address on the Account Info screen in your Wallet.
Here’s how to get there:

  1. Open your Wallet.
  2. Select your personal current account.
  3. Tap on Account Info. Here you’ll be able to find your bank address.

You can receive domestic and international payments to your GBP and EUR current accounts using your account details. For receiving international payments to your current account, you will need to provide your IBAN number and the SWIFT code.

To view your current account balance, navigate to your Wallet screen.

You can change your currency settings by following these steps:
1. Tap on the Menu.
2. Open Profile settings.
3. Tap on “Currency”.
4. Select your currency from the list.

Your currency should update immediately.

  1. Click on your wallet
  2. Click on the current account you need statement for (GBP/ EUR)
  3. Click on Account info
  4. Statements are available at the bottom of this page

Here you can choose a custom date range. You can also extract the statement in CSV or PDF, as easy as pie 😉.

To add a current account in another currency (EUR or GBP), you need to follow these steps:

1. Select the current account you wish to apply for (UK – GBP and/or UK – EUR).

  1. You can choose to order a physical card in addition to your free virtual card.
    3. Select the delivery address for your physical card in the EEA, the UK or Switzerland.

    You can choose to send both cards to the same address or choose to send them to different addresses.

(The fee for your card will be deducted from your first inbound payment to the account.)

And you’re done! 🚀

how to use your virtual Mastercard(s)

A virtual card works like any other plastic physical card for making online purchases, but it is only accessible electronically. You can use your virtual card to make online payments anywhere MasterCard is accepted. Virtual cards are offered free of charge. You can choose to use your virtual card only or also add a physical card at a later stage.

Your free virtual card will be automatically activated when you activate your current account. You should be able to use your virtual card immediately. If not, please contact us via our live chat in the Bofin app. (Only available for the EEA, the UK and Switzerland.)

You get one virtual card for each current account you have.

You can use your virtual card to make online payments anywhere MasterCard is accepted.

You can find your virtual card details by following these steps:

1. Tap “Wallet”.
2. Select your current account.
3. Tap on the “Card” button.
4. Make sure you are viewing your “Virtual Card”.
5. Tap on “Card Details”.

Your virtual card details will appear.

how to use your physical Mastercard

You can order a physical MasterCard which you can use worldwide to purchase in-stores, online or withdraw money from an ATM. The current accounts come with a range of customised Mastercard® cards, available exclusively through the Bofin App. Currently, card orders can only be delivered to an address in the EEA, the UK and Switzerland.

You can order your physical card whilst applying for a current account.

Alternatively:

  1. Navigate to your Wallet screen.
  2. Select “Card”.
  3. Swipe right to add a physical card.

Your physical card can be shipped to any address in the EEA, the UK and Switzerland.

Please allow 4 – 7 working days for delivery.

If your card has not arrived and it has been more than 10 working days (2 weeks), please contact us via our live chat in the Bofin app.

Express delivery options where you can expect to receive your card within a few days will be available soon.

When ordering your card and selecting the delivery address, you will have the option to select “same as living address” or you can input another delivery address in the EEA, the UK or Switzerland.

For security purposes, your physical card won’t be activated instantly as is done with your virtual card.

This ensures that your card is secure whilst it is in transit, or in the unlikely event that it is lost prior to delivery, your money remains secure.

When you receive your card, please follow the steps below to activate it:

  1. Open your Bofin app.
    2. Go to your Wallet.
    3. Select your current account.
    4. Tap on Cards.
    5. Tap on Activate.
    6. Frame your face for facial recognition.
    7. Enter the three-digit security code on the back of the card.

    Your physical card should then be activated and ready for use.

There may be several causes as to why your physical card isn’t working. You may have insufficient funds in your account to cover your intended purchase or your card could be blocked for security reasons.

Before you can use your card for a contactless payment, you need to first make a payment using your card PIN-code.

Not to worry! To keep your account safe, your current account provider has put a temporary block on your PIN. If you need a reminder of your PIN, you can retrieve it on the Bofin app.

To unblock your card PIN-code:
1. Head to an ATM/cash machine, put your card in and enter your card PIN correctly.
2. Select the ‘PIN Services’ option and then ‘PIN Unblock’.
3. You should then be able to use your card as normal.

You can change your card PIN-code at any ATM which supports this feature.

Here’s how:

  1. Put your card into the cash machine.
    2. Enter your current PIN-code.
    3. Select “PIN Services” from the screen menu.
    4. Choose “Select a new PIN”.
    5. Change it to a PIN-code that’s memorable to you.

    Remember, don’t use an obvious PIN-code, like 1234 or your date of birth, as these can easily be guessed.

Please go to your Wallet via the Bofin app, tap on ‘Block Card’ to ensure your card is safely blocked.

Then contact our Customer Support team to order a replacement card.

You can have one virtual card and one physical card for each of your current accounts
(GBP and/or EUR).

how to make and receive payments via AF Payments

You can pay your friends and family who are also on the Bofin app in a few simple steps:

1. Head to the home option and tap on “Send Money”.
2. Allow access to your contacts and you’ll see which of your contacts have a Bofin Profile.
3. Select the contact and add the amount you’d like to send them.
4. Review the information and click on “Pay Now”.

Your payment will arrive instantly!

Your payment should arrive instantly!

You can send money in the UK or Europe (GBP to GBP and EUR to EUR) as follows:

1. Head to the home and tap on ‘Send Money’.
2. Allow access to your contacts and you will see what contacts have a Bofin Profile.
3. Select an existing contact and add bank details or add a new contact by tapping on + button and enter beneficiary bank details. On this screen, you will be able to select the country you are sending your money to and the currency followed by beneficiary information to set up a payment.
4. Review the information and click on ‘Pay Now’.

You can send money internationally to the list of countries available in the app, this list is ever expanding so please check when creating a new payment.

Domestic payments in the UK and Europe can be sent to your account using your account details (for UK: account number and sort code, for Europe: IBAN number).

For receiving international payments to your GBP or EUR accounts you will need to provide the sender your IBAN number and the SWIFT / BIC code which you can find in the Wallet.

The Financial Institutions providing your current accounts are connected to global banking networks and it is expected that GBP payments made via Faster Payments arrive within 2 hours.

For EUR payments within the Single European Payments Area (SEPA), please see the below cut-off and expected transfer times:

SEPA Timelines

Payments made before 10 AM GMT – Same day
Payments made between 10 AM and 4 PM GMT – Next Day
Payments made after 4 PM GMT – 2 days


No, cash deposits are not accepted.

You can add a payment reference for the beneficiary to recognise the payment. For payments to other Bofin users you can add a GIF to make it extra special for the receiver of the payment.

The UK bank account number and sort code or, for international transfers, the International Bank Account Number (IBAN) and Business Identifier Code (BIC) of the intended beneficiary.

 

You will also need:

 

  1. The name and address of the intended beneficiary (depending on the type of payment you are making, as address may not be asked)
  2. The amount of the transfer
  3. The currency of the transfer
  4. A payment reference for the transfer

Here’s how:

 

  1. Tap on Pay.
    2. Tap on the + button.
    3. Enter your contact’s full name, email and phone number.
    4. Tap on Done. You will now be able to send payments to this contact!

 

If you’ve not already done so, you’ll need to allow contact access so that we will display your phone contacts using Bofin. Without this, we will not be able to sync your contacts. If you have declined contact access, you can still allow it when you enter Pay or Invite by tapping on the “Allow contacts access” button.

Yes, your payments can be categories after you complete the payment. To do this, simply navigate to the desired payment and select the ‘Category’ option. You will then be able to choose one from the list displayed. You also have a choice to set the category for this transaction only or for this transaction and all future transactions.

If you would like to close your current account, you will first need to withdraw all the funds from the account and ensure that all your transactions (card payments, transfers) are completed.

After you’ve completed these steps, please contact our Customer Support team via email with your request, your cards will be cancelled as your account closure request is actioned.

card usage fees

If you have a Proto account please refer to the Proto Fees Table
If you have a Meliora account please refer to the Meliora Fees Table
If you have a Proto account please refer to the Proto Fees Table
If you have a Meliora account please refer to the Meliora Fees Table

There is no fee for incoming domestic payments via a bank transfer. If the incoming payment is international there will be a small fee, and if the currency you are receiving is different from your account currency, you will benefit from the best available FX rates.

There will be a small transaction fee which will be shown to you before you make a payment on the app and you will also benefit from the best available FX rates when sending money from your current account domestically or internationally.

safety and security

All financial products and services are provided to you directly by Financial Institutions in accordance with their regulatory obligations.

Current accounts on the Bofin app are issued by a licensed EMI (Electronic Money Institution) and are regulated by the Financial Conduct Authority (FCA). ​Unlike banks, they do not re-invest customer funds. ​

Customer money is kept separate from their own company finances, safeguarded against losses, and held in ring-fenced accounts in stable European banks. This guarantees that in the unlikely event that your chosen Financial Institution becomes insolvent, customers would receive 100% of their deposits back. ​

First, don’t panic! Simply log in to the Bofin app and block your card as soon as you notice that it is lost or stolen. This will prevent your physical card from being used fraudulently.

1. Go to Wallet.
2. Click on your current account.
3. At the top you can select “Card” and select “Block card”.

If you have misplaced your card and later find it, you are able to unblock this and use it as normal.

Reach out to us to report a stolen card as quickly as possible. Contact us via our live chat in the app or by emailing us on support@bofin.com.

No need to panic. Your money is safe as you have secured your app with facial recognition and your 6-digit PIN. As soon as you know your phone is lost, please email us at support@bofin.com and we can log you out of the app.  You’ll still be able to use your physical card and make payments into your accounts.

Download the Bofin app on your new device and log in using the same details you signed up with, and if you need help you can contact us via our live chat on https://www.bofin.com or by emailing us on support@bofin.com.

my data and privacy on the Bofin platform

Yes, our policies and procedures are designed to protect both your confidentiality and the security of your information, including your non-public personal information. We store and process your personal information using third-party servers located in secure data centres that are protected by firewalls and have restricted access in compliance with applicable regulations.

All data passed between Bofin mobile apps, our servers, and third parties are 256-bit SSL encrypted. Bofin is committed to protecting consumer card data in compliance with the Payment Card Industry Data Security Standard (PCI DSS). Our alignment with this standard is reflected in the people, technologies and processes we employ. We conduct regular vulnerability scans and penetration tests in accordance with the PCI DSS requirements for our business model.

The Bofin platform is PCI-DSS certified, and the data is maintained on one of the leading cloud platform providers. User identity and account security are protected by the Microsoft AZURE Active Directory B2C system.

Bofin’s systems and controls represent appropriate technical and organisational measures that protect data against unauthorised or unlawful processing and against accidental loss or destruction of, or damage to, personal data. Our data is encrypted at rest utilising Transparent Data Encryption (TDE) and Dynamically Masked.

All data is encrypted and transported using Transport Layer Security TLS 1.2 (a strong protocol), ECDHE_RSA with P-256 (a strong key exchange), and AES_256_GCM (a strong cipher). All data is automatically backed up using read-access geo-redundant storage (RA-GRS) to ensure that data is preserved even if a data centre is unavailable.

Here is our privacy policy if you would like to read further.

Bofin user data is stored in our UK and EU data centres, and is not shared with third parties without your consent such as when you register for a product or service.

Please contact us via our live chat in the app or by emailing us on support@bofin.com to submit your request.


FULL NOTICE GENERAL

1. Before we provide services, goods or financing to you, we undertake checks for the purposes of preventing fraud and money laundering, and to verify your identity. These checks require us to process personal data about you.

2. The personal data you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering, and to verify your identity.

3. Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details.

4. Details of the personal information that will be processed include, for example: name, address, date of birth, contact details, financial information, employment details, device identifiers including IP address and vehicle details.

5. We process your personal data on the basis that we have a legitimate interest in preventing fraud and money laundering, and to verify identity, in order to protect our business and to comply with laws that apply to us. Such processing is also a contractual requirement of the services or financing you have requested.

6. Fraud prevention agencies can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

AUTOMATED DECISIONS

7. As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering risk if our processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct, or is inconsistent with your previous submissions, or you appear to have deliberately hidden your true identity. You have rights in relation to automated decision making: if you want to know more please contact us using the details above.

CONSEQUENCES OF PROCESSING

8. If we, or a fraud prevention agency, determine that you pose a fraud or money laundering risk, we may refuse to provide the services or financing you have requested, or to employ you, or we may stop providing existing services to you.

9. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies, and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please contact us on the details above.

DATA TRANSFERS

10. Whenever fraud prevention agencies transfer your personal data outside of the European Economic Area, they impose contractual obligations on the recipients of that data to protect your personal data to the standard required in the European Economic Area. They may also require the recipient to subscribe to ‘international frameworks’ intended to enable secure data sharing.

YOUR RIGHTS

11. Your personal data is protected by legal rights, which include your rights to object to our processing of your personal data; request that your personal data is erased or corrected; request access to your personal data.

12. For more information or to exercise your data protection rights, please contact us using the contact details above.

13. You also have a right to complain to the Information Commissioner’s Office which regulates the processing of personal data.

Feedback on Financial Institutions and their products

If you are dissatisfied with the financial product or service from any of the Financial Institutions on the Bofin marketplace, we recommend getting in touch with our Customer Support team.

We rely on your feedback to make the Bofin marketplace a positive, useful experience for all our Bofin users. When emailing us, remember to include the following information:

– Financial Institution’s name (this is the party that provides the financial product to you)

– The Financial Institution’s product name

– Your concerns / problems you are facing

– Any improvements or updates you would like to see

We have an internal complaints handling procedure, you can read more about here.

Bofin Tech Services Ltd is a company registered in England and Wales (No. 11281283) Registered Address: Kemp House, 152-160 City Road, London, England, EC1V 2NX
All financial products and services available on the Bofin app are provided to you directly by financial institutions in accordance with their regulatory obligations.

The Proto, Meliora and Raris Accounts are operated by AF Payments Limited, which is Authorised by the Financial Conduct Authority as an Authorised Electronic Money Institution (FRN 900440). Registered in England and Wales with Company Number 09356276. Registered Office address, 33 Lowndes Street, Knightsbridge, London SW1X 9HX, England. The Proto, Meliora and Raris Mastercard cards are issued by AF Payments Limited pursuant to a license by Mastercard International. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International.