Prohibited Business and High-Risk Business Policy
Version 4.0
Purpose
As an Authorized Payment Institution, we are considered to be at potentially higher risk for money laundering and terrorist financing activities. The purpose of this document is to give all staff at AB Money guidance and remind them of their obligations under The Money Laundering, Terrorist Financing and Transfer of Funds(Information on the Payer) Regulations 2017, Proceeds of Crime Act and Terrorism Act 2000 as set out in the AML Policy. Including the update, the UK's AML regime to incorporate international standards set by the Financial Action Task Force (FATF) and to transpose the EU’s 5th Money Laundering Directive.
The document and its activity may be subject to change and will undergo a periodic compliance review to ensure adherence to the aforementioned. The Company reserves the right to vary, change, alter, amend, add to or remove any of the terms and conditions of this procedure at any time.
Scope
This document details the information and tools in the identification of clients both private and corporate, and beneficiaries that will need to be referred to compliance for approval. Thisis because they are prohibited.
This document lists Industries or items and activities that AB MONEY prohibits working with as it is outside of the Company’s Risk Appetite. It applies to any person or entity using our payment service and any transactions that we are asked to process.
If we believe or suspect that any transaction violates this policy or is otherwise illegal or unsuitable, we may take any corrective action that we deem appropriate, including blocking the transaction, holding funds associated with a prohibited transaction, suspending, or restricting the use of our service, terminating the accounts of violators, or any other corrective action.
Core Obligations
It is the policy of AB Money to strictly comply with all laws and regulations that apply to any of their activities and operations, or that may give rise to the risk of liability for any of their branches or employees.
It is the duty of all employees to abide by all applicable laws and regulations, and exercise great care not to take or authorize any actions that may create even the appearance of illegal conduct or other impropriety. Staff must not try to falsify the truth or chose not to divulge information, in order to benefit themselves or the customers – this is an illegal offence and the company’s staff, who violate this Policy will be subject to appropriate action.
Prohibited Business
Although there are sanctioned countries that Financial Institution partners will not allow us to facilitate payments to (directly or indirectly) and we screen against various Financial Sanction lists - which the Company will not transfer funds to and have the appropriate controls in place to prohibit. The Company documents its prohibited business list along with its ‘Compliance Approval Required’ so that Compliance can monitor what types of industries are coming to AB Money which may have an impact the Risk Assessment of the firm.
Any item that features on the following list MUST be submitted to the MLRO who will review and respond on how to continue before either a business relationship is approved, or a payment is released.
Countries
For a list of counties that are considered to be higher risk/prohibited, these are listed with the risk rating of “Needs MLRO’s Approval”.
If a client tries to register or pay to any of these listed the transaction will be auto referred to compliance and it put in review required status in AB Money monitoring system (firewall) - where no further action can be taken by anyone except the MLRO.
Prohibited Industries
Industry | Risk |
---|---|
Gambling | Prohibited |
Pornography and Adult | Prohibited |
MSBs (unregistered or non-regulated) | Prohibited |
Shell companies [organizations with no physical presence, or meaningful decision making and / or management] | Prohibited |
Unregistered Charities | Prohibited |
Any business linked to trading active arms and Lethal Weapons | Prohibited |
Anything related to illegal drugs (as defined in the UK), including, for the avoidance of doubt, drug paraphernalia | Prohibited |
Binary options trading | Prohibited |
Crowd funding | Prohibited |
Remittances funded in cash; Cash and Check Handling: Check Cashing, Deposit Taking, Cash Transfer | Prohibited |
Private security firms | Prohibited |
Pay day lenders | Prohibited |
Diamond and precious metal merchants, including jewelers | Prohibited |
Debt management and collection | Prohibited |
Gaming | Prohibited |
Cultural Artifacts and Art Dealers | Prohibited |
Political and Religious Organizations | Prohibited |
High Risk Business Industries and Individuals
The following businesses/individuals are deemed to be higher risk by the business and will need EDD to be performed. The MLRO will advise the onboarding team as needed / requested, on a case-by-case basis, the appropriate and required action to take.
Industry | Risk |
---|---|
Banking & capital markets | High Risk |
Financial Services (excluding MSB) | High Risk |
Shipping Services | High Risk |
Consulting | High Risk |
Government & public sector | High Risk |
Oil & gas | High Risk |
Asset & wealth management | High Risk |
Metals | High Risk |
Pharmaceuticals & life sciences | High Risk |
Registered Charities(includes Non-Profits Organizations, Non-Governmental Organizations (NGOs)) | High Risk |
Chemicals | High Risk |
Bitcoin and other Cryptocurrencies | High Risk |
Mining | High Risk |
Private equity | High Risk |
Real estate | High Risk |
Dealers in high value goods(such as precious metals including precious stones) | High Risk |
Fireworks and related goods | High Risk |
Jewelers | High Risk |
Anything linked to military contracts. (Note – if also linked to Lethal Weapons, then this becomes prohibited) | High Risk |
Cultural Artifacts and Art Dealers | High Risk |
Ivory or other items related to protected species, or archaeological, historical, religious significance of rare scientific value | High Risk |
Tobacco products | High Risk |
A&B GENERAL LIMITED
DATA PROTECTION ADDENDUM RELATING TO THE PARTIES’ OBLIGATIONS UNDER THE
GENERAL DATA PROTECTION REGULATION EU 2016/679 (“GDPR”)
1. Scope and Applicability
1.1 This Data Protection Addendum (“Addendum”) supplements the Payment Gateway Terms and Conditions (“Agreement”) between the parties. Any provision of the Agreement that is incompatible with this Addendum or with applicable requirements of the GDPR shall be deemed null and void. The provisions of this Addendum shall replace Section 13 of the Agreement and supersede any other conflicting provisions of the Agreement.
1.2 Part A applies in situations where we act as a processor for you and Part B applies in situations where we act as a controller, in each case, in relation to Personal Data that is exchanged between the parties concerning Customers and other data subjects.
1.3 Capitalised terms not defined in the Agreement that are used in this Addendum shall have the meaning set out in Part C.
Part A: Our obligations as a processor
2. Our obligations as processor
2.1 We will act only on documented instructions from you (including in respect of any transfers of Personal Data outside the EU/EEA) unless the instructions require material changes to the Agreement.
2.2 We shall ensure that all persons authorised to process Personal Data on your behalf in relation to the Services have committed themselves to confidentiality in respect of the data.
2.3 We shall assist you, as far as is possible, in fulfilling your obligation to respond to the requests of data subjects seeking to exercise their rights under the GDPR, in so far as they relate to the provision of the Services.
2.4 To ensure the security of the Personal Data that we process on your behalf, and to safeguard the rights of data subjects, we have put in place and will maintain technical and organisational measures appropriate to the risks associated with the Services.
2.5 On receiving a written request, we shall assist you in meeting your GDPR obligations in relation to the following:
(a) the security of the processing of Personal Data in relation to the Services;
(b) the notification of Personal Data breaches where required; and
(c) the conduct of data protection impact assessments, where necessary.
2.6 Upon termination of the Agreement and your request, we shall either delete or return all Personal Data to you, unless we are legally obliged to keep such data.
2.7 Upon request, we shall provide you with information necessary to demonstrate our compliance with the obligations set out in this Section 2, and shall allow for and contribute to audits, including inspections, conducted by you in relation to the processing activities connected to the provision of the Services. Your right to audit will be limited to once in any twelve-month period, and limited in time to a maximum of two (2) business days and scope,
as reasonably agreed in advance between the parties. Reasonable advance notice of at least sixty (60) days is required, unless a Data Protection Law requires earlier audit. We will use current certifications or other audit reports to minimise unnecessary and repetitive audits. The parties will each bear their own expenses of audit, unless such audit reveals a breach by us (as independently verified by us), in which case we shall bear our own expenses of audit. If an audit determines that we have breached our obligations under the Agreement, we will promptly remedy the breach at our own cost.
2.7 We will promptly inform you if we become aware of any suspected or confirmed Personal Data Breach involving Customer Personal Data.
2.8 We shall immediately inform you if an instruction relating to Section 2.7 would, in our sole discretion, infringe the GDPR or other Data Protection Laws of the EU or an EU Member State having jurisdiction over the Agreement.
2.9 We shall not engage any subprocessors to assist in providing the Services, unless we have :
(a) entered into a written contract with the subprocessor that obligates the subprocessor to comply with all relevant obligations applicable to us under this Section 2; and
(b) obtained prior written authorisation from you.
2.10 A list of our existing subprocessors, their roles, and the location of the processing carried out by them is set out in the Schedule to this Addendum. By entering into this Addendum, you agree that we may use these subprocessors for the purposes of providing the Services.
2.11 We will notify you in advance of any changes to the list of subprocessors.
2.12 Subprocessors will have the same obligations as we do as a processor (or subprocessor) with regards to their processing of Personal Data.
Part B: Obligations of the parties when we act as a data controller in relation to you
3. Compliance with the GDPR
3.1 The parties acknowledge that each is an independent controller of the Personal Data that it collects and processes in relation to activities that are necessary for carrying out the contractual relationship between them. This Personal Data includes, for example, the business contact data of each party’s employees and other stakeholders exchanged for the purposes of entering into the Agreement, sending promotional material and managing the business relationship.
3.2 Our Privacy Notice can be found at securetrading.com
4. Mutual Cooperation
4.1 The parties shall cooperate with one another, upon reasonable request, in relation to compliance with the provisions of the GDPR relating to the provision of the Services, including with regard to responses to data subject requests for the exercise of their rights under the GDPR and any information requests, investigations, complaints or other actions of a national data protection supervisory authority.
4.2 Where each party is acting as a controller, each party shall notify the other of any incident that involves a Personal Data Breach that relates to the provision of the Services without undue delay. The notification should describe the incident, the type of Personal Data involved, the identity of any affected persons or the approximate number of individuals affected, the potential consequences of a breach, and any immediate mitigation steps required or in progress.
Part C: Definitions
(a) “Data Protection Law(s)” shall mean the Data Protection Act 1998 (the “DPA”), the Data Protection Directive (95/46/EC), the Electronic Communications Data Protection Directive (2002/58/EC), the Privacy and Electronic Communications (EC Directive) Regulations 2003 (SI 2426/2003) (as amended), the General Data Protection Regulation (2016/679) and all applicable laws and regulations relating to Personal Data and privacy which are enacted from time to time in any relevant jurisdiction, including (where applicable) the guidance and codes of practice issued by the Information Commissioner’s Office and any other competent authority, and the equivalent of any of the foregoing in any relevant jurisdiction. Where the term Laws in used in the Agreement, it shall be construed to include the Data Protection Laws.
(b) “GDPR” means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 as applied, modified, added to, limited, widened, substituted, replaced or repealed by UK law or regulation (and references to any Article or provision of the Regulation shall be interpreted accordingly).
(c) “Personal Data” shall mean any information relating to an identified or identifiable individual; an identifiable individual is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural or social identity (including special categories of Personal Data listed in Article 9(1) of GDPR).
(d) “Personal Data Breach” shall mean accidental, unauthorised, or unlawful destruction, loss, alteration, or disclosure of, or access to, Personal Data.
4.3 The terms "controller", "processor", "data subject" and "processing" shall have the meanings given to such terms in the GDPR, except where and to the extent that the context requires otherwise.
5. Liability
5.1 Subject to clause 6 of the Agreement, we shall only be liable for damage caused by processing where we have not complied with our obligations under Clause 2 of this Addendum or where we have acted outside or contrary to lawful and agreed instructions from you.
SCHEDULE TO ADDENDUM
This list identifies the subprocessors authorised to access Personal Data used by our systems.
Sub processors are permitted to process Personal Data to deliver the services we have retained them to provide. They are prohibited from using Personal Data for any other purpose.
Subcontractor | Location | Function(s) Performed |
ACI | United Kingdom / United States of America | Cardholder Fraud Monitoring |
Allied Irish Bank | Ireland | Transaction Processing and Settlement |
Alipay | China | Transaction Processing and Settlement |
Amazon | Ireland / United Kingdom | Operations and Service Maintenance |
American Express | United Kingdom | Transaction Processing and Settlement |
Australia and New Zealand Banking | Australia | Transaction Processing and Settlement |
Apple Inc | United States of America | Transaction Processing and Settlement |
Atlassian | United States of America / Ireland | Operations and Service Maintenance |
ATOS | United Kingdom | Transaction Processing and Settlement |
Barclays | United Kingdom | Transaction Processing and Settlement |
Catella | Luxembourg | Transaction Processing and Settlement |
Chase Bank | United States of America | Transaction Processing and Settlement |
Cloudflare | United States of America | Content Delivery Network |
Compass | United States of America | Transaction Processing and Settlement |
Currency Select | United States of America | Exchange Rate Processing |
Datawire | Australia | Transaction Processing |
Elavon | United States of America | Transaction Processing and Settlement |
Finastra | Ireland | Operations and Service Maintenance |
First Data | United Kingdom | Transaction Processing and Settlement |
Fexco | United Kingdom | Exchange Rate Processing |
Funanga | Ireland | Transaction Processing and Settlement |
G4S | Germany | Operations and Service Maintenance |
HSBC | United Kingdom | Transaction Processing and Settlement |
JetPay | United States of America | Transaction Processing and Settlement |
Omnipay | Ireland | Transaction Processing and Settlement |
PPro | United Kingdom | Transaction Processing and Settlement |
Mastercard | United Kingdom / United States of America / Europe | Cardholder Fraud Monitoring Transaction Processing |
Microsoft | United States of America / Ireland | Operations and Service Maintenance |
Millennium Digital | United States of America | Transaction Processing and Settlement |
PayPal | United States of America | Transaction Processing and Settlement |
Paysafe | Germany | Transaction Processing and Settlement |
Salesforce | United States of America | Operations and Service Maintenance Customer and Technical Support |
Streamline | United Kingdom | Transaction Processing and Settlement |
The Access Group | United Kingdom | Operations and Service Maintenance |
Vantiv | United States of America | Transaction Processing and Settlement |
Visa | Europe / United States of America | Transaction Processing |
Notice and Disclaimer
This Schedule is subject to change at any time. Last updated: 24th May 2018
A&B Money Plus Prepaid Mastercard®
Terms and Conditions
Valid as of 05-Nov 2020
IMPORTANT INFORMATION: These terms and conditions (“Agreement”) govern the use of the Payment Services defined in Clause 1, which are supplied by A&B General (UK) Limited 10 Greenwich Quay Clarence Road London SE8 3EY whose details are in Clause 2 (“we”, “us”, “our”) to any person whose application we approve (“Customer”, “you”, “your”). Words that begin with a capital letter have the meaning given either where they first appear in this Agreement.
By activating your Card, you agree that you have read and understood the terms of this Agreement (a copy of which you may download and store at any time). This Agreement shall commence at that time and continue unless cancelled under Clause 10 or terminated under Clause 12. We reserve the right to change this Agreement by giving 2 months’ notice to you in accordance with Clause 18. If we do this, you may terminate this Agreement immediately and without charge before the proposed changes take effect, otherwise you shall be deemed to have accepted such changes when the 2 months’ notice expires. However, you agree that changes to the Applicable Exchange Rate may be applied immediately and at the rate quoted via the Payment Service at the time of the relevant Transaction. Please also read the conditions of redemption, including any fees relating to redemption, in Clause 11 before activating your Card.
We will communicate with you in English (the language in which this Agreement was agreed with you on registration for your Account). Key information relating to your Transactions will be provided to you at the email address you register with us and/or in your Account. You may access, download and print this information at any time by logging in to your Account. In addition, you agree that we may provide notices or other information to you from time to time by posting it in your Account, emailing it to your registered email address, mailing it to your registered physical address, calling you by phone or sending you mobile messages. Notices to you by email or mobile messages shall be deemed given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid. Notices sent by registered mail shall be deemed to have been received three days after the date of mailing. You may contact us as specified in Clause 2.
You may request a copy of any legally required disclosures (including this Agreement) from us via the contact details in Clause 2, and we will provide this to you in a form which enables you to store the information in a way that is accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored via, for example, our website, your Account or by email.
In this document, if we use words that start with a capital letter, that means the word has been defined in this ‘Definition & Interpretation’ section.
"Account"
or “E-Wallet” a data account in our systems where we record your Available Balance, Transaction Data and other information from time to time;
“Account Closure 30 days notice from customers for request account closure. The monthly fee has the meaning given in the attached Fees & Limits Schedule;
“Account Information
Service”
means an online service to provide consolidated information on one or more payment accounts held by the payment service user with another payment service provider or with more than one payment service provider;
Account Information the supplier of an Account Information Service’;
Service Provider” or
“AISP”
"Additional where applicable, a person who holds a Secondary Card must be same
Cardholder" person on the First main card;
“ATM” An automated teller machine is an electronic telecommunications device that enables Customers to perform financial transactions, particularly cash withdrawal, without the need for a human cashier, clerk or bank teller;
“Authorised means any person to whom you authorise us to access your Account;
Person”
"Available Balance" the amount of E-money issued by us to you but not yet spent or redeemed;
“Business Day" Monday to Friday, 0900hrs to 1700hrs GMT, excluding bank and public holidays in the UK;
"Card" a prepaid Mastercard debit card issued by us and linked to your Account, which can be used to spend your Available Balance wherever Mastercard cards are accepted;
“Card Replacement has the meaning given in the attached Fees & Limits Schedule;
Fee”
"Card the operator of the payment scheme under which we issue each Card;
Scheme"
“Customer Due
Diligence” the process we are required to go through to verify the identity of our Customers;
“Customer Funds
Account” the segregated bank account where we hold relevant funds corresponding to your Available Balance in accordance with the safeguarding provisions of the Electronic Money Regulations 2011;
“Direct Debit” an automated payment method set up between you and us to send payments to organisations in accordance with a direct debit mandate given by you to the organisation which manages the frequency and amount of each payment;
“E-money” monetary value issued by us to your Account on receipt of funds on your behalf in our Customer Funds Account, equal to the amount of funds received;
“European Economic
Area” or “EEA” The means the European Union (“EU”) member states, as well as Iceland, Liechtenstein and Norway.
“Fees” the fees payable by you for the Payment Services as specified in the attached Fees & Limits Schedule;
“IBAN” means an International Bank Account Number used to identify bank accounts for the purposes of international payments;
“Late Redemption
Fee” has the meaning given in the attached Fees & Limits Schedule;
"Merchant" a retailer who accepts Payment for the sale of goods or services to you.
“Payment” means a payment for goods or services using a Card.
“Payment Initiation
Service” means an online service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider;
“Payment Initiation
Service Provider”
or (“PISP”) is a payment service provider who supplies a Payment Initiation Service;
"Payment Services" means the services supplied by us to you under this Agreement, including issuing Cards, Accounts and IBANs; and executing Transactions;
“A&B Plus IBAN” means a virtual IBAN issued by our bank service provider that we allocate to your Card or your Account which can be used by you or others for Direct Debits or for the purpose of making a SEPA Transfer of funds that will result in a credit of the relevant funds to your Account.
"Secondary Card" where applicable, any extra Card which is issued to a Customer or Authorised Person;
“SEPA Transfer” A facility available for UK registered Accounts only whereby you instruct us to send Euros to a bank account elsewhere in the Single Euro Payments Area (“SEPA”), quoting the IBAN of the intended recipient of the funds.
“Simplified Due
Diligence” means a lighter form of Customer Due Diligence, resulting in certain lower Card and Account limits
"Transaction" a Direct Debit, Payment, a Transfer or a SEPA Transfer;
“Transfer” a transfer of E-money from one Account to another Account.
“Virtual Card” a Card number issued by us for the purpose of making a single Payment without also issuing any corresponding physical card.
4.1 Transactions may be restricted by Card or Account type, individual usage patterns and payment risk profiles. Cards are issued in accordance with regulatory limits and conditions. Limits relating to the use of Cards can be found in the attached Fees & Limits Schedule and on our website at www.abmoneyplus.com. For anti-money laundering and anti-fraud reasons we reserve our rights to change particular payment restrictions (including from those published or included herein) without notice and to the extent required to meet our regulatory obligations.
4.2 Simplified Due Diligence may be restricted to domestic ATM access, along with reduced annual maximum load limits and capped annual withdrawal limits. These limits will be subject to Scheme and regulatory requirements.
4.3 You can make a Transfer to another Account by signing in to your Account and following the relevant instructions.
4.4 When sending funds to your Account with us, we recommend that your or other senders make a Transfer using your A&B Plus bank account.
4.5 We cannot be held liable for the payment process or fees associated with bank(s) and or intermediary bank(s) to process payments from you to us. Any fee(s) charged by third parties, not limited to receiving, processing or crediting a payment for you will be deducted by us before crediting the remaining balance to you.
4.6 You are responsible for checking and confirming payment details and fees before making a payment to us or to your Account.
4.7 Where enabled, you may be eligible to instruct other organisations to create regular Direct Debits from your Account. You will be responsible for ensuring that the correct details are provided in order for the Direct Debit to be created for you. You must ensure at all times that you have a sufficient Available Balance to allow for the funds to be debited from your Account. You are responsible for checking the terms and conditions that have been provided to you by the organisation receiving the Direct Debit payments.
4.8 You may incur a charge for unpaid Direct Debits if there are not enough Available Funds to pay an incoming Direct Debit request.
4.9 You accept responsibility for cancelling any Direct Debit on your Account with the originator directly. A&B Plus will be able to do this on your behalf, and cannot accept liability for any losses due to your failure to cancel any Direct Debit.
4.10 A&B Plus will credit payments received to your Account at least once a day and before the end of the Business Day. Amounts received after the cut off period will be processed the next Business Day and you will hold A&B Plus free and clear from any responsibility is this regard.
4.11 You may be asked to provide us with evidence of source of funds in order for us to meet our regulatory requirements, in which case you agree to provide that evidence promptly. You represent and warrant to us that the evidence you provide to us is up to date, complete and accurate.
4.12 Where so enabled you may change your PIN at selected ATMs subject to a Fee.
4.13 Where enabled, you may be eligible to instruct companies to create regular SEPA Transfers from your UK issued and registered Account. You will be responsible for ensuring that the correct details are provided in order for the SEPA Transfer to be created for you. You must ensure at all times that you have a sufficient balance on your Account to allow for the funds to be debited from your Account. You are responsible for checking the terms and conditions that have been provided to you by the SEPA Transfer originator. A&B Plus, reserve(s) the right to decline or terminate any SEPA Transfer instruction(s) that you have requested.
4.14 You may incur a charge for unpaid SEPA Transfers if there are not enough funds in your Account to pay an incoming SEPA Transfer request.
You have a right to withdraw from this Agreement under the following conditions:
We may update or amend these terms and conditions (including our Fees & Limits Schedule). Notice of any changes will be given on our website, or by e-mail notification, or by SMS at least at anytime. By continuing to use the Payment Services after the expiry of the 2-month notice period you acknowledge that you indicate your acceptance to be bound by the updated or amended terms and conditions. If you do not wish to be bound by them, you should stop using the Payment Services and terminate this Agreement in accordance with Clause 10 before the changes take effect.
All relevant funds corresponding to your Available Balance are segregated from our funds and held in the Customer Funds Account in accordance with the safeguarding requirements of the Electronic Money Regulations 2011 by law. In the event that we became insolvent those funds are protected against claims made by any of our creditors.
_______________________________________________
Fee and Limits Schedule
The following Fees apply:
Fee Name |
Amount |
Card Fee |
GBP 10.00 |
Lost/ Stolen Replacement Card |
GBP 10.00 |
Monthly Service Charge |
GBP 9.99 |
Online card to card transfer |
GBP 2.00 |
Load by bank transfer |
GBP 0.79 |
Outgoing bank transfers |
GBP 0.99 |
Load by swift bank transfer (international) |
GBP 5.00 |
Outgoing Swift bank transfers (international) |
GBP 25.00 |
Debit/Credit Card deposit to account |
GBP 0.50% / 1.00% |
ATM withdrawal domestic |
GBP 3.00 |
ATM withdrawal international |
GBP 10.00 |
ATM Balance Inquiry |
GBP 0.99 |
ATM PIN change |
GBP 0.99 |
POS domestic |
GBP 0.50 |
POS international |
GBP 1.00 plus 1.00% |
POS/ATM Decline |
GBP 0.50 |
FX Fee |
3.00% |
PIN Reveal |
GBP 2.00 |
The following Limits apply: Consumer account
Limit |
Amount |
Initial Load Minimum |
£1 |
Initial Load Maximum |
£50,000 |
Minimum Reload |
£1 |
Maximum Reload |
£50,000 |
Max Load Amount Per Day |
£100,000 |
Max number of loads Per Day |
2 |
Maximum Card Balance |
£100,000 |
Maximum POS daily spend |
On card balance |
Maximum POS transaction value |
On card balance |
Maximum ATM daily Withdrawal |
£250/ 4 time a day |
The following Limits apply: Corporate account
Limit |
Amount |
Initial Load Minimum |
£1 |
Initial Load Maximum |
£1,000,000 |
Minimum Reload |
£1 |
Maximum Reload |
£250,000 |
Max Load Amount Per Day |
£1,000,000 |
Max number of loads Per Day |
2 |
Maximum Card Balance |
£1,000,000 |
Maximum POS daily spend |
On card balance |
Maximum POS transaction value |
On card balance |
Maximum ATM daily Withdrawal |
£250/4 time a day |
SINGLE USE PAYMENT TERMS AND CONDITIONS
1. MONEY TRANSFER SERVICE
1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Ltd., of M228, Trident Business Centre,89 Bickersteth Road, London SW17 9SH, No. 6928080 (referred to as "we/our/us").
1.2 Our head office address is 163 Bellville House, 4 John Donne Way, London SE10 9FW, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it..
1.3 [The address of the branch or the agent providing the money transfer service is Second Floor, Pepys House, 10 Greenwich Quay, Clarence Rd, London SE8 3EY, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it.]
1.4 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services.
2 .SENDING A PAYMENT
2.1 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed payment instruction form (which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions) by email, letter, in each case correctly addressed to us, or by handing it to us at our premises.
2.2 You must provide us with information which clearly identifies:
• the individual to whom you are sending the money (the "payee"); and/or
• details of the payee's payment account (if they have one).
Your payment instruction form will set out which information we need which could comprise the payee’s bank sort code and account number or, where applicable, the payee's SWIFT number, BIC and IBAN. It is your responsibility to check that the information you provide to us is correct.
3. TIMING
3.1 We will transfer your payment so that the money reaches the firm where your payee will collect it by:
• the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK;
• the end of the next business day after we received your instruction for Euro payment transactions to a payee in the EEA; or
• the end of the fourth business day after we receive your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA.
3.2 For details of the execution times for payments to be made to a payee outside of the EEA or payments in currencies other than EEA currencies, please contact us for further details.
3.3 Where you want money transferred on a specific day, you agree that the time we receive your instruction is that specific day
3.4 If we did not receive your payment instruction before 16:00 on a business day for us (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day.
3.5 You cannot amend or cancel your instruction to us unless you have asked us to transfer your money on a specific day in the future and you give us written notice no later than the end of the business day before that specific day.
3.6 "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday).
4. FEES AND CHARGES
4.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges (if any) which we write on your payment instruction form.
4.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges (if any) set out in the written information we give you when you receive the money.
5. EXCHANGE RATE
5.1 We will write on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. We usually convert your money from sterling (£) at the time of you making payment the relevant amount in the currency of the country where the payee is located
6. GENERAL
6.1 We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
6.2 You may be entitled to redress for an incorrectly executed money transfer only if you notify us without undue delay on becoming aware of it, and in any event no later than 13 months after the date of the transfer.
6.3 Where you are sending money, we are responsible to you for the correct execution of the money transfer unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome.
6.4 Where we are liable to you as payer under clause 6.3 of these Terms and Conditions for a non-executed or defective payment transaction, we will without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than the payment transfer times set out in clause 3.1 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the payee’s payment account (if applicable) so that it is as if the payment was received on time.
6.5 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee.
6.6 No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
6.7 Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
6.8 We are not liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages.
6.9 You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose.
6.10 We can communicate with you by telephone, email, text message and/or in writing or any other form of electronic communication by which you have chosen to be able to give us
instructions. And all information provided, made available and notified to you shall be in English.
6.11 We will contact you by telephone, email, text message if there are suspected or actual frauds or security threats.
6.12 We may use information about you to discharge our anti-money laundering, security validation and verification responsibilities, to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 2015/847 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at «RAddress1».
7. LAW AND JURISDICTION
7.1 These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity.
8. COMPLAINTS
8.1 Please tell us if you have any problems with our service: we will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not finished investigating your complaint in accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/).
8.2 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).
FRAMEWORK PAYMENT TERMS AND CONDITIONS
1. MONEY TRANSFER SERVICE
1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Limited., of M228, Trident Business Centre,89 Bickersteth Road, London SW17 9SH No. 6928080 (referred to as the “Firm”)
1.2 Our head office address is 163 Bellville House, 4 John Donne Way, London SE10 9FW, telephone number 02033559660 email This email address is being protected from spambots. You need JavaScript enabled to view it. [The address of the branch providing the money transfer service is Second Floor, Pepys House, 10 Greenwich Quay, Clarence Rd, London SE8 3EY, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it.]
1.3 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services.
1.4 For simplicity we will refer to ourselves and our branches and agents as "the Firm" or "we/our/us".
1.5 We operate a money transmission service which you will use to send and to receive money transfers. Our money transfers can be sent and picked up at most locations worldwide. You may call the number listed above or check our website at www.ab-money.co.uk/en (the "Website") for the address and business hours of nearby locations. The main characteristics of the payment services which we may provide to you are as follows:
• Retail money remittance service: a money transfer service for a sending customer where a remittance payment is made to a named receiving customer, normally in another country (money may be received in a bank account);
1.6 Money transfers will normally be paid out in a bank account. All payments are subject to availability, the payee showing documentary evidence of their identity and providing all details about the money transfer required by us as set out in these Terms and Conditions and including, without limitation, the name of the payer, country of origin, name of the payee, the payment amount, transaction control identification number and any other conditions or requirements which we consider necessary or applicable at the payee payment location. They may, in addition, be obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions or by checking our Website.
1.7 We are agreeing to provide you with a money transfer service. We do not accept any responsibility for any goods or services which may be paid for by a money transfer (or any taxes, charges or duties payable thereon). You are cautioned against sending money to any
person you do not know. You bear the risk of your intended payee failing to pick up the payment after it has been transferred to the correct destination.
2.2 Note that there may be no signature, security or password protection for email, phone, fax and other future forms of electronic communication. You should bear this in mind if you decide to permit us to accept those types of instruction. If we do decide to accept any type or types of electronic communication from you, we advise:
• against using analogue mobile or cordless phones to contact us as they can sometimes be intercepted or overheard;
• you to be careful not to let other people see your details if you are online in a public place; and
• against using email for sending us confidential information.
2.3 Where we agree to accept instructions in a particular format (including in electronic format), we will not be able to act on the instructions unless they are legible and clear.
2.4 We may decline to act on any communication, even if we have told you we will in general accept that type of instruction. We may do this in particular if we consider that there is doubt about the validity of the communication and it is in our or your interest to query it with you. However, we are not obliged to check or consider the validity of your communications unless we have previously agreed a system of validation with you. Subject to any legal or regulatory requirements which may apply, we are authorised to act upon any instruction, agreement or arrangement without enquiring about its purpose, or the circumstances in which it is given, or about the disposition of any proceeds.
2.5 If we come to believe that you may not have properly authorised a communication, we may, after making reasonable efforts to check whether it was authorised, refuse to act on the instruction and take steps to reverse any action already taken on it.
2.6 Without prejudice to clause 6 of these Terms and Conditions, we may act without further enquiry on any electronic communication which we reasonably believe you have given us
2.7 You must follow any security procedures we specify. We may also require you to sign a separate agreement before you can use some types of electronic communication to send us instructions and to access some kinds of services by electronic communication.
2.8 We may insist that you confirm any electronic communication in conventional written form by the next business day. We need not wait for confirmation before acting on the instruction. For the purposes of these Terms and Conditions, "business day" means any day on which we are open for business (other than a Saturday or Sunday or a public holiday) as required for the execution of a payment transaction.
2.9 We can communicate with you by telephone, email, text message, Line, Facebook fanpage, or any other form of electronic communication by which you have chosen to be able to give us instructions.
2.10 The language of these Terms and Conditions shall be English and Thai and all information provided, made available and notified to you shall be in English and Thai.
2.11 We will provide you with a further copy of these Terms and Conditions upon request.
2.12 After we receive a payment instruction from you as payer, we shall provide the following information in accordance with the provisions of clause 2.14:
• a reference enabling you to identify the payment transaction and, where appropriate, information relating to the payee;
• the amount of the payment transaction in the currency used for the payment instruction;
• the amount of the charges and transfer fees for the payment transaction payable by you (with a breakdown of such amounts where applicable);
• where applicable, the exchange rate used in the payment transaction by us and the amount of the payment transaction after that currency conversion; and
• the date of receipt by us of your payment instruction.
2.13 After the execution of a payment transaction, we shall provide , if you are the payee, the following information in accordance with the provisions of clause 2.14:
• a reference enabling you to identify the payment transaction and the payer, and any information transferred with the payment transaction;
• the amount of the payment transaction in the currency in which the funds are at your disposal;
• the amount of the charges and transfer fees for the payment transaction payable by you (with a breakdown of such amounts where applicable);
• where applicable, the exchange rate used in the payment transaction by us, and the amount of the payment transaction before that currency conversion; and
• the credit value date.
2.14 We will provide you with the information specified in clauses 2.12 and 2.13, free of charge, at least once a month. You will examine the confirmations and communications which we send to you within a reasonable time after receiving them and will promptly advise us without undue delay of any apparent mistake or discrepancy. Delay in notification may make correcting any error difficult.
2.15 If you prefer paperless communications with us, we may communicate and make available all relevant transaction information with you (including the information specified in clauses 2.12 and 2.13) through an internet money transmission service (if any) accessible via our Website. To access the internet money transmission service, you will need a computer with an internet connection as well as a working email address. Where you are the payer, we will always ask you to expressly agree to receiving information in this way.
2.16 If you require information on an individual payment transaction before sending us an instruction, please contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website.
2.17 We will contact you by telephone, email, text message, Line, Facebook fanpage or any other form of electronic communication by which you have chosen to be able to give us instructions. if there are suspected or actual fraud or security threats relating to the services we provide to you.
3.2 You must not give out security details, such as any password or PIN, to anyone and you must not write these down in any recognisable form. You must notify us without undue delay in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions or via our Website on becoming aware that someone else knows your
password, PIN or other security information or that any of these have been lost, stolen or misappropriated, and we will take immediate steps to try to prevent these from being used.
3.3 You agree to assist us in the discharge of our anti-money laundering, security validation and verification responsibilities by providing such information and evidence which we may request from time to time in this regard. You agree to notify us promptly of any changes in the details you have supplied to us. In addition, we may, in our sole discretion, require other documents to be supplied to us at any time during our relationship with you in order to fulfil our legal and regulatory obligations.
3.4 You represent and warrant that:
• you are over 18 years old
• the information and details you supply to us are true, accurate and complete
• your money transfer instructions to us and your use of your chosen form of payment instrument for payment to us will not breach any applicable agreement, law or regulation,
and you agree to compensate us for any loss we suffer as a result of the above representations being untrue or incorrect.
3.5 We may use information about you and your individual representatives to discharge the responsibilities referred to in clauses 3.3, 5.10, 5.13 and 5.14 to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 2015/847 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf.
This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at 163 Bellville House, 4 John Donne Way, London SE10 9FW.
4.2 If you are the recipient or payee of an international payment we may deduct our charges and transfer fees for each such payment from the money transferred before making it available to you. If we deduct any charges under this clause 4.2, we will give you details in the information which we regularly provide to you (using the means agreed with us by which you wish to be notified) of the full amount of the money we receive and of the charges which we are deducting for receiving the money, before making the money available to you.
4.3 We may change any of our charges at any time. We will tell you (in accordance with clause 7.5 of these Terms and Conditions) at least 2 months before the change to the charge takes effect. Please see clause 7 of these Terms and Conditions which explains in more detail the procedures for changes to our contract terms.
4.4 Applicable exchange rates for payment transactions are set out on our Website, displayed prominently at our premises and those of our branches and agents or may be obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions. Payment transactions will be executed, unless otherwise agreed, in the currency of the destination country (but please note that in some countries payment is only available in U.S. dollars or another alternate currency). Currency will be converted from sterling (GBP) at the time of transfer and the payee will receive the relevant foreign currency amount. For transfers to certain countries, Our exchange rate may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between our exchange rates offered to you and the exchange rates received by us will be kept by us, in addition to our transfer fees and other charges.
If you wish to transmit payments to countries that provide payment in multiple currencies, you must select the currency of the payment at the time you consent to the payment transfer. The transfer fees and charges and the money we make when changing your funds into foreign currency may vary based upon the payment currency that you select. Some payment service providers in foreign locations may offer payees the choice to receive funds in a currency which differs from the one that you select as payer. In such instances, we may make additional money when your funds are converted into the currency selected by the payee.
4.5 Our exchange rates are variable exchange rates which change constantly throughout the day. You can contact us to find out the exchange rate at a particular time using the contact details in clause 1 of these Terms and Conditions.
4.6 Telephone notification to the payee that the money transfer is available for pick-up is offered in most countries for an additional fee.
4.7 Messenger delivery of a cheque or bank draft is available in some countries to selected destinations for an additional fee.
4.8 Supplemental messages may be included with money transfers to most countries for an additional fee.
5.2 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed order form substantially in the form set out on the reverse of these Terms and Conditions which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1of these Terms and Conditions, by email, letter or facsimile transmission, in each case correctly addressed to us, or by handing it to us at our premises.
5.3 We shall have the right to stop the use of any personalised set of procedures agreed between you and us, which are used by you in order to initiate payment instructions to us, in order to comply with our legal obligations, or on reasonable grounds relating to:
• the security of such security features; or
• the suspected unauthorised or fraudulent use of such security features.
5.4 We will tell you by telephone, email, text message, Line, Facebook Fanpage or any other form of electronic communication by which you have chosen to be able to give us instructions before we stop the use of any personalised set of procedures, or as soon as possible afterwards if we are unable to notify you in advance, unless it would be unlawful or compromise our reasonable security measures to do so. Where possible, we will also tell you the reasons why.
5.5 We will execute payment instructions so that the amount to be transferred reaches the payee's payment service provider by:
• the end of the next business day after we received your instruction for THB payment transactions to a payee in Thailand;
• the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK;
• the end of the next business day after we received your instruction for all Euro payment transactions to a payee in the EEA; or
• the end of the fourth business day after we received your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA.
For details of the execution times for payments to be made to a payee’s payment service provider outside of the EEA or payments in currencies other than EEA currencies, please contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website.
5.6 We must receive payment instructions before the cut-off time specified in our charges brochure or obtained by contacting us using the contact details set out in clause 1 of these Terms and Conditions or on our Website or we will deem the instruction to have been received on the next business day. Instructions received on days which are not business days for us will also be deemed to have been received on the next business day.
5.7 Once we receive your payment instruction, you cannot revoke it unless you inform us in writing that you withdraw your consent no later than the end of the business day before the agreed day of execution of the instruction.
5.8 Where we receive a payment instruction from you for execution on a specific day, you agree that the time of receipt is deemed to be that specific day on which we are to execute the payment instruction.
5.9 It is your responsibility to ensure that the monies you pay to us are sufficient to make each and every payment transaction which you authorise us to make. We will not make any money transfer instructed by you unless you have paid to us sufficient funds first. When we accept a credit or debit card or other non-cash form of payment from you we make no promise to make payment of any relevant money transfer if your form of payment is “uncollectable”, nor do we assume any liability for damages resulting from non-payment of the money because of uncollectability.
5.10 Applicable laws prohibit money transmitters from conducting business with certain individuals and countries. In order to comply, we are required to screen all transfers against the list of names provided by various governments and/or government agencies. If a potential match is found, we will suspend the transfer and request additional information on either the payer or the payee, as necessary. Upon satisfactory review, the payment transfer will be released for collection.
5.11 We have the right to refuse to accept a payment instruction or payment and to refuse to execute any payment transaction for any of the following reasons:
• if any condition in these Terms and Conditions has not been satisfied; or
• if execution would be unlawful.
5.12 If any payment instruction is declined you may contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website. If we have declined the payment instruction we will, where reasonably possible (and where we are not prevented from so doing by law or regulation) tell you why the payment instruction was declined at the earliest opportunity and in any event within the relevant time period specified in clause 5.5 of these Terms and Conditions. If the reason for our declining the payment instruction was based on incorrect information, we will agree with you what needs to be done to correct that information.
5.13 You agree that we may retain monies received by us for your benefit until our security validation, verification and anti-money laundering procedures have been completed before you may withdraw them or instruct us to transfer them. Our Website sets out a list of purposes for money transfers which you are prohibited from transacting, transmitting or receiving (including, without limitation, the purchase of drugs and weapons and, in certain countries, gambling activities). You agree that you will not transact, transmit or receive payment transfers for or in connection with any criminal or illegal purpose whatsoever. We may report any suspicious activity relating to your transactions to the relevant authorities.
5.14 Additional security questions may be required for certain payment transactions (regardless of the payment amount) and, in addition, the payee may be required to provide documentary evidence of their identity. Further information regarding the use of security questions for the destinations of your payment transfers is available on our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions.
5.15 You may not be protected against reversals of money transfers in respect of which you are the payee where the reversal is due to the use of a stolen or unauthorised payment instrument or means of authentication by the payer. Once a payee has received a payment sent by us in accordance with your instructions as payer, that payment cannot normally be reversed.
• arising from the use of lost or stolen, or from the misappropriation of, personalised security features or procedures agreed between us and you for your
use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication or a misappropriation of the security features of our electronic communications service, is a maximum of £35. Subject to clause 6.1.2, we won’t hold you responsible up to £35 where: (i) the loss or theft of the personalised security features or procedures agreed between us and you was not detectable by you prior to the payment transaction; or (ii) the loss was caused by the acts or omissions of our employees, agent or branch, or an entity which carried out activities on our behalf, or
• where you have acted fraudulently or have with intent or gross negligence failed to: (i) take all reasonable steps to keep safe any of the personalised security features or procedures agreed between us and you for your use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication or a misappropriation of the security features of our electronic communications service, (ii) use such features and procedures in accordance with the terms and conditions governing their issue and use, or (iii) notify us in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions or via our Website and without undue delay on becoming aware of the loss, theft, misappropriation or unauthorised use of such security features or procedures, is the full amount of those losses.
6.2 Except where you have acted fraudulently, you will not be liable for any losses resulting from an unauthorised payment transaction: (i) after you have notified us of the loss, theft, misappropriation or unauthorised use of your security features or procedures in accordance with clause 6.1.2 of these Terms and Conditions; (ii) if we have not given you an appropriate means to notify us in accordance with clause 6.1.2; or (iii) if the security features or procedures have been used in connection with certain types of distance contract.
6.3 You may be entitled to redress for an unauthorised or incorrectly executed payment transaction only if you notify us in writing or by telephone using the contact details set out in clause 1 of these Terms and Conditions without undue delay on becoming aware of any unauthorised or incorrectly executed payment transaction, and in any event no later than 13 months after the debit date. Such redress may include, in relation to an unauthorised executed payment transaction, us refunding the amount of the unauthorised payment transaction to you as payer.
6.4 Where you initiate a payment instruction as payer, we are responsible to you for the correct execution of the payment transaction unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 5.5 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome.
6.5 Where we are liable to you as payer under clause 6.4 of these Terms and Conditions for a non-executed or defective payment transaction, we may without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than set out in clause 5.5 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the recipient’s payment account (if applicable) so that it is as if the payment was received on time.
6.6 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 5.5, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee.
6.7 If we are in breach of contract or otherwise negligent and we might reasonably have expected your loss to result directly from our breach or negligence, we are in any case liable to you.
6.8 We will not be liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages whatsoever and howsoever arising and whether such liability was reasonably foreseeable or not and whether or not we have been advised of the possibility of such loss being incurred.
6.9 Nothing in clauses 6.7 and 6.8 of these Terms and Conditions excludes our liability for fraudulent misrepresentation by ourselves, our employees or agents or our liability for death or personal injury caused by our negligence or the negligence of our employees or agents.
6.10 Notwithstanding anything to the contrary in these Terms and Conditions, we shall not be liable to you or be obliged to perform our obligations under these Terms and Conditions if we are prevented, hindered or delayed from or in performing any of our obligations under these Terms and Conditions due to abnormal and unforeseeable circumstances beyond our control (including any strike, lock-out, labour dispute, act of God, war, riot, civil commotion, malicious damage, compliance with a law or governmental order, rule, regulation or direction, accident, breakdown or other failure of equipment, software or communications network, fire, flood, or other circumstances affecting the supply of goods or services).
6.11 You acknowledge that our Website is subject to periodic maintenance and testing and that you may not be able to access it from time to time as a result. We are not responsible for any loss you may suffer as a result of your being unable to access our Website at any time.
6.12 You must send us all relevant supporting documentation in relation to any claim you make for a refund or compensation.
7.2 We will notify you in writing at least 2 months before we make any change to these Terms and Conditions. You will be deemed to have accepted any such change if you do not notify us to the contrary before the date on which any such change comes into effect. However, if you choose not to accept any such change, you may give notice to us that you do not accept such change and you may terminate our agreement at any time, free of charge, before any change comes into effect.
7.3 If we have made a major change or a lot of minor changes in any one year, we will give you a copy of the new terms and conditions or a summary of the changes.
7.4 If we agree to fix any condition for a certain time, we will not change it during that time.
7.5 When we tell you about a change we will do so by letter, email, text or messages or in any other way which is sent to you individually or will do so in a way that we reasonably believe is likely to come to your attention and which satisfies legal and other regulatory requirements.
7.6 Our agreement under these Terms and Conditions will continue until terminated in accordance with this clause 7.
7.7 You may terminate our agreement under these Terms and Conditions by giving us at least 1 month's written notice. We shall not charge you for the termination of our agreement under these Terms and Conditions after the expiry of 6 months from its commencement.
7.8 We may terminate our agreement under these Terms and Conditions by giving you at least 2 months' written notice. Such termination will not release you from any liability in respect of any sums owing to us or from any previous liability for any act performed by us in accordance with instructions received from you.
8.2 A failure to exercise or delay in exercising a right or remedy provided by these Terms and Conditions or by law does not constitute a waiver of the right or remedy or a waiver of other rights or remedies. No single or partial exercise of a right or remedy provided by these Terms and Conditions or by law prevents further exercise of the right or remedy or the exercise of another right or remedy.
8.3 In case any provision in or obligation under these Terms and Conditions shall be invalid, illegal or unenforceable in any jurisdiction, the validity, legality and enforceability of the remaining provisions or obligations, or of such provision or obligation in any other jurisdiction, shall not in any way be affected or impaired thereby.
8.4 You may not assign, transfer or create any trust in respect of, or purport to assign, transfer or create any trust in respect of, a right or obligation under these Terms and Conditions.
8.5 Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
9.2 The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions and our agreement under these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity. You may also be eligible for redress for any dispute and matter arising out of or in connection with these Terms and Conditions through the dispute resolution mechanism provided by the Financial Ombudsman Service (please see below for further details).
10.2 We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. However, if you are unhappy and would like to make a complaint, please refer to our Complaints Policy for details of our internal process for dealing with complaints promptly and fairly. Our Complaints Policy is available on our Website or by contacting our customer service team using the contact details in clause 1 of these Terms and Conditions
10.3 We will then investigate the matter and try to reach a satisfactory conclusion. Complaints may be recorded and monitored for our internal use; we may submit an anonymised summary of complaints made to us during a particular period of time to our regulator. If you are not happy with our final response or, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not concluded our investigation in
accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/).
10.4 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).
A&B GENERAL LIMITED
DATA PROTECTION ADDENDUM RELATING TO THE PARTIES’ OBLIGATIONS UNDER THE
GENERAL DATA PROTECTION REGULATION EU 2016/679 (“GDPR”)
1. Scope and Applicability
1.1 This Data Protection Addendum (“Addendum”) supplements the Payment Gateway Terms and Conditions (“Agreement”) between the parties. Any provision of the Agreement that is incompatible with this Addendum or with applicable requirements of the GDPR shall be deemed null and void. The provisions of this Addendum shall replace Section 13 of the Agreement and supersede any other conflicting provisions of the Agreement.
1.2 Part A applies in situations where we act as a processor for you and Part B applies in situations where we act as a controller, in each case, in relation to Personal Data that is exchanged between the parties concerning Customers and other data subjects.
1.3 Capitalised terms not defined in the Agreement that are used in this Addendum shall have the meaning set out in Part C.
Part A: Our obligations as a processor
2. Our obligations as processor
2.1 We will act only on documented instructions from you (including in respect of any transfers of Personal Data outside the EU/EEA) unless the instructions require material changes to the Agreement.
2.2 We shall ensure that all persons authorised to process Personal Data on your behalf in relation to the Services have committed themselves to confidentiality in respect of the data.
2.3 We shall assist you, as far as is possible, in fulfilling your obligation to respond to the requests of data subjects seeking to exercise their rights under the GDPR, in so far as they relate to the provision of the Services.
2.4 To ensure the security of the Personal Data that we process on your behalf, and to safeguard the rights of data subjects, we have put in place and will maintain technical and organisational measures appropriate to the risks associated with the Services.
2.5 On receiving a written request, we shall assist you in meeting your GDPR obligations in relation to the following:
(a) the security of the processing of Personal Data in relation to the Services;
(b) the notification of Personal Data breaches where required; and
(c) the conduct of data protection impact assessments, where necessary.
2.6 Upon termination of the Agreement and your request, we shall either delete or return all Personal Data to you, unless we are legally obliged to keep such data.
2.7 Upon request, we shall provide you with information necessary to demonstrate our compliance with the obligations set out in this Section 2, and shall allow for and contribute to audits, including inspections, conducted by you in relation to the processing activities connected to the provision of the Services. Your right to audit will be limited to once in any twelve-month period, and limited in time to a maximum of two (2) business days and scope,
as reasonably agreed in advance between the parties. Reasonable advance notice of at least sixty (60) days is required, unless a Data Protection Law requires earlier audit. We will use current certifications or other audit reports to minimise unnecessary and repetitive audits. The parties will each bear their own expenses of audit, unless such audit reveals a breach by us (as independently verified by us), in which case we shall bear our own expenses of audit. If an audit determines that we have breached our obligations under the Agreement, we will promptly remedy the breach at our own cost.
2.7 We will promptly inform you if we become aware of any suspected or confirmed Personal Data Breach involving Customer Personal Data.
2.8 We shall immediately inform you if an instruction relating to Section 2.7 would, in our sole discretion, infringe the GDPR or other Data Protection Laws of the EU or an EU Member State having jurisdiction over the Agreement.
2.9 We shall not engage any subprocessors to assist in providing the Services, unless we have :
(a) entered into a written contract with the subprocessor that obligates the subprocessor to comply with all relevant obligations applicable to us under this Section 2; and
(b) obtained prior written authorisation from you.
2.10 A list of our existing subprocessors, their roles, and the location of the processing carried out by them is set out in the Schedule to this Addendum. By entering into this Addendum, you agree that we may use these subprocessors for the purposes of providing the Services.
2.11 We will notify you in advance of any changes to the list of subprocessors.
2.12 Subprocessors will have the same obligations as we do as a processor (or subprocessor) with regards to their processing of Personal Data.
Part B: Obligations of the parties when we act as a data controller in relation to you
3. Compliance with the GDPR
3.1 The parties acknowledge that each is an independent controller of the Personal Data that it collects and processes in relation to activities that are necessary for carrying out the contractual relationship between them. This Personal Data includes, for example, the business contact data of each party’s employees and other stakeholders exchanged for the purposes of entering into the Agreement, sending promotional material and managing the business relationship.
3.2 Our Privacy Notice can be found at securetrading.com
4. Mutual Cooperation
4.1 The parties shall cooperate with one another, upon reasonable request, in relation to compliance with the provisions of the GDPR relating to the provision of the Services, including with regard to responses to data subject requests for the exercise of their rights under the GDPR and any information requests, investigations, complaints or other actions of a national data protection supervisory authority.
4.2 Where each party is acting as a controller, each party shall notify the other of any incident that involves a Personal Data Breach that relates to the provision of the Services without undue delay. The notification should describe the incident, the type of Personal Data involved, the identity of any affected persons or the approximate number of individuals affected, the potential consequences of a breach, and any immediate mitigation steps required or in progress.
Part C: Definitions
(a) “Data Protection Law(s)” shall mean the Data Protection Act 1998 (the “DPA”), the Data Protection Directive (95/46/EC), the Electronic Communications Data Protection Directive (2002/58/EC), the Privacy and Electronic Communications (EC Directive) Regulations 2003 (SI 2426/2003) (as amended), the General Data Protection Regulation (2016/679) and all applicable laws and regulations relating to Personal Data and privacy which are enacted from time to time in any relevant jurisdiction, including (where applicable) the guidance and codes of practice issued by the Information Commissioner’s Office and any other competent authority, and the equivalent of any of the foregoing in any relevant jurisdiction. Where the term Laws in used in the Agreement, it shall be construed to include the Data Protection Laws.
(b) “GDPR” means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 as applied, modified, added to, limited, widened, substituted, replaced or repealed by UK law or regulation (and references to any Article or provision of the Regulation shall be interpreted accordingly).
(c) “Personal Data” shall mean any information relating to an identified or identifiable individual; an identifiable individual is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural or social identity (including special categories of Personal Data listed in Article 9(1) of GDPR).
(d) “Personal Data Breach” shall mean accidental, unauthorised, or unlawful destruction, loss, alteration, or disclosure of, or access to, Personal Data.
4.3 The terms "controller", "processor", "data subject" and "processing" shall have the meanings given to such terms in the GDPR, except where and to the extent that the context requires otherwise.
5. Liability
5.1 Subject to clause 6 of the Agreement, we shall only be liable for damage caused by processing where we have not complied with our obligations under Clause 2 of this Addendum or where we have acted outside or contrary to lawful and agreed instructions from you.
SCHEDULE TO ADDENDUM
This list identifies the subprocessors authorised to access Personal Data used by our systems.
Sub processors are permitted to process Personal Data to deliver the services we have retained them to provide. They are prohibited from using Personal Data for any other purpose.
Subcontractor | Location | Function(s) Performed |
ACI | United Kingdom / United States of America | Cardholder Fraud Monitoring |
Allied Irish Bank | Ireland | Transaction Processing and Settlement |
Alipay | China | Transaction Processing and Settlement |
Amazon | Ireland / United Kingdom | Operations and Service Maintenance |
American Express | United Kingdom | Transaction Processing and Settlement |
Australia and New Zealand Banking | Australia | Transaction Processing and Settlement |
Apple Inc | United States of America | Transaction Processing and Settlement |
Atlassian | United States of America / Ireland | Operations and Service Maintenance |
ATOS | United Kingdom | Transaction Processing and Settlement |
Barclays | United Kingdom | Transaction Processing and Settlement |
Catella | Luxembourg | Transaction Processing and Settlement |
Chase Bank | United States of America | Transaction Processing and Settlement |
Cloudflare | United States of America | Content Delivery Network |
Compass | United States of America | Transaction Processing and Settlement |
Currency Select | United States of America | Exchange Rate Processing |
Datawire | Australia | Transaction Processing |
Elavon | United States of America | Transaction Processing and Settlement |
Finastra | Ireland | Operations and Service Maintenance |
First Data | United Kingdom | Transaction Processing and Settlement |
Fexco | United Kingdom | Exchange Rate Processing |
Funanga | Ireland | Transaction Processing and Settlement |
G4S | Germany | Operations and Service Maintenance |
HSBC | United Kingdom | Transaction Processing and Settlement |
JetPay | United States of America | Transaction Processing and Settlement |
Omnipay | Ireland | Transaction Processing and Settlement |
PPro | United Kingdom | Transaction Processing and Settlement |
Mastercard | United Kingdom / United States of America / Europe | Cardholder Fraud Monitoring Transaction Processing |
Microsoft | United States of America / Ireland | Operations and Service Maintenance |
Millennium Digital | United States of America | Transaction Processing and Settlement |
PayPal | United States of America | Transaction Processing and Settlement |
Paysafe | Germany | Transaction Processing and Settlement |
Salesforce | United States of America | Operations and Service Maintenance Customer and Technical Support |
Streamline | United Kingdom | Transaction Processing and Settlement |
The Access Group | United Kingdom | Operations and Service Maintenance |
Vantiv | United States of America | Transaction Processing and Settlement |
Visa | Europe / United States of America | Transaction Processing |
Notice and Disclaimer
This Schedule is subject to change at any time. Last updated: 24th May 2018
SINGLE USE PAYMENT TERMS AND CONDITIONS
1. MONEY TRANSFER SERVICE
1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Ltd., of M228, Trident Business Centre,89 Bickersteth Road, London SW17 9SH, No. 6928080 (referred to as "we/our/us").
1.2 Our head office address is 163 Bellville House, 4 John Donne Way, London SE10 9FW, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it..
1.3 [The address of the branch or the agent providing the money transfer service is Second Floor, Pepys House, 10 Greenwich Quay, Clarence Rd, London SE8 3EY, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it.]
1.4 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services.
2 .SENDING A PAYMENT
2.1 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed payment instruction form (which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions) by email, letter, in each case correctly addressed to us, or by handing it to us at our premises.
2.2 You must provide us with information which clearly identifies:
• the individual to whom you are sending the money (the "payee"); and/or
• details of the payee's payment account (if they have one).
Your payment instruction form will set out which information we need which could comprise the payee’s bank sort code and account number or, where applicable, the payee's SWIFT number, BIC and IBAN. It is your responsibility to check that the information you provide to us is correct.
3. TIMING
3.1 We will transfer your payment so that the money reaches the firm where your payee will collect it by:
• the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK;
• the end of the next business day after we received your instruction for Euro payment transactions to a payee in the EEA; or
• the end of the fourth business day after we receive your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA.
3.2 For details of the execution times for payments to be made to a payee outside of the EEA or payments in currencies other than EEA currencies, please contact us for further details.
3.3 Where you want money transferred on a specific day, you agree that the time we receive your instruction is that specific day
3.4 If we did not receive your payment instruction before 16:00 on a business day for us (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day.
3.5 You cannot amend or cancel your instruction to us unless you have asked us to transfer your money on a specific day in the future and you give us written notice no later than the end of the business day before that specific day.
3.6 "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday).
4. FEES AND CHARGES
4.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges (if any) which we write on your payment instruction form.
4.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges (if any) set out in the written information we give you when you receive the money.
5. EXCHANGE RATE
5.1 We will write on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. We usually convert your money from sterling (£) at the time of you making payment the relevant amount in the currency of the country where the payee is located
6. GENERAL
6.1 We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
6.2 You may be entitled to redress for an incorrectly executed money transfer only if you notify us without undue delay on becoming aware of it, and in any event no later than 13 months after the date of the transfer.
6.3 Where you are sending money, we are responsible to you for the correct execution of the money transfer unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome.
6.4 Where we are liable to you as payer under clause 6.3 of these Terms and Conditions for a non-executed or defective payment transaction, we will without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than the payment transfer times set out in clause 3.1 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the payee’s payment account (if applicable) so that it is as if the payment was received on time.
6.5 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee.
6.6 No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
6.7 Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
6.8 We are not liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages.
6.9 You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose.
6.10 We can communicate with you by telephone, email, text message and/or in writing or any other form of electronic communication by which you have chosen to be able to give us
instructions. And all information provided, made available and notified to you shall be in English.
6.11 We will contact you by telephone, email, text message if there are suspected or actual frauds or security threats.
6.12 We may use information about you to discharge our anti-money laundering, security validation and verification responsibilities, to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 2015/847 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at «RAddress1».
7. LAW AND JURISDICTION
7.1 These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity.
8. COMPLAINTS
8.1 Please tell us if you have any problems with our service: we will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not finished investigating your complaint in accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/).
8.2 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).
บัญชีธุรกิจ
A&B Plus Business บัญชีคู่ใจธุรกิจ และพาณิชย์ เพื่อรองรับกระแสเงินเข้า-ออก สำหรับธุรกิจประเภทต่างๆ บัญชีขนาดใหญ่ที่ไม่จำกัดวงเงิน และจำนวนรายการในบัญชี บัญชีที่มีความเหมาะสมกับทุกรูปแบบของประเภทธุรกิจไม่ว่าจะเป็นแบบสไตร์ห้างร้านที่ต้องพบปะกับลูกค้าโดยตรง โดยรับเงินสด หรือรับเงินผ่านบัตรรูดเงิน หรือ สไตร์ออนไลน์ (e-commerce) ที่วางร้านไว้ผ่านเวปไซค์ให้ลูกค้าสามารถเข้ามาเลือกซื้อของได้เองอัตโนมัติ
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คุณสามารถเปิดบัญชีธุรกิจกับ A&B Plus Business ได้มากถึง 2 สกุลเงิน คือ GBP, EUR ซึ่งตรวจสอบบัญชี และสั่งจ่ายทั้งใน และต่างประเทศได้เพียงแค่นิ้วสัมผัสผ่าน ออนไลน์แบงกิ้งจากคอมพิวเตอร์ หรือ แอพพริเคชั่นจากโทรศัพท์มือถือ IOS, Android ได้ตลอด 24 ชั่วโมง
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คุณสามารถเปลี่ยนค่าเงินได้เองผ่านออนไลน์แบงกิ้ง ระหว่าง 2 สกุลเงินหลักในบัญชี A&B Plus Business ของคุณเอง หรือ แลกเปลี่ยนเป็นค่าเงินอื่นๆ และสั่งจ่ายไปยังต่างประเทศได้มากถึง 18 สกุลเงิน 200 กว่าประเทศทั่วโลก
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A&B Plus Business เป็นระบบโปรแกรมที่ยืนนอกกรอบสมาคมธนาคาร UK แต่เรามองภาพรวมทั้งสหภาพยุโรป และอาศัยความได้เปรียบที่หลากหลายจากกฏหมายในแต่ละพื้นที่ เปลี่ยนข้อจำกัดที่น่าเบื่อ ให้ธุรกิจของคุณกลับมามีชีวิตได้อีกครั้งเมื่อ A&B Plus Business ไม่ตรวจเช็คประวัติทางการเงิน ตลอดจนประวัติถูกฟ้องล้มละลายของคุณ คุณสามารถใช้ A&B Plus Business เป็นบัญชีเสริมคู่กับบัญชีหลักของคุณเพื่อง่ายในทางบัญชี หรือ ระบบภาษี
A&B Plus Business ต่อยอดความสำเร็จจาก A&B Money Plus (Personal Account) ที่ให้บริการด้านบัญชีธนาคารสำหรับบุคคลทั่วไป ไว้รับกระแสเงิน ตลอดการจับจ่ายใช้สอยได้ทั่วโลกภายใต้ 2 สกุลเงินหลักคือ GBP และ EUR จากอำนาจของ MasterCard ที่เราเปิดระบบอย่างเป็นทางการในช่วงต้นปี 2019
A&B Plus Business พัฒนาก้าวขีดจำกัดสูงไปกว่าเดิมไม่ว่าด้านความหลากหลายของสกุลเงิน, อำนาจด้าน FX เพื่อซื้อ-ขายเงินสกุลต่างๆ ตลอดจนการสั่งจ่ายเงินได้เองทั่วโลกได้มากถึง 18 สกุลเงิน ซึ่งเรามั่นใจว่าจะสามารถรองรับธุรกิจในฝันของคุณ และเนรมิตให้กลายเป็นจริงไม่ว่าธุรกิจของคุณจะคืออะไรก็ตาม