The questions we actually get asked.

Minutes. You can transact at Tier 1 as soon as your email is confirmed. Raising your limits means completing identity verification, which is usually reviewed the same business day.

A government photo ID and a proof of address dated within three months. Business accounts also need incorporation documents and the details of anyone holding more than 25%.

Yes. Every account opens with a wallet in each supported currency, and you can convert between any pair at the live platform rate.

Cross-border instructions walk a clearance chain — cost of transfer, corridor confirmation, then withholding assessment. Your funds sit in segregated escrow the whole time, and the clearance screen shows exactly which stage is outstanding and what it costs.

Yes, at any point before release. The debit is reversed in full, including any levy already assessed, and the reversal is posted as its own ledger entry.

Immediate. Same-currency book transfers settle the moment you confirm them.

One tap in the card hub. It stops immediately, and unfreezing is just as fast — you never need to call to pause a card you have misplaced.

Yes, on demand in the card hub. The details reveal for a short window and then hide themselves again.

A six-digit code from an authenticator app on your phone, refreshed every thirty seconds. We do not send codes by SMS: a number can be moved to another SIM without your involvement, so a code sent that way is no longer something only you hold.

Both are recovery channels. If either could be changed from inside a signed-in session, anyone who took over that session could quietly point recovery at themselves. Client services will change them after verifying you.

Call the fraud line on +44 20 7946 0999 straight away — it is answered at any hour. Then freeze your cards and review your sign-in history under Profile, Security.