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Accounts & Cards
How do I open a VESTIA account?
You can open an account in just 5 minutes through our mobile app. You'll need a valid UK ID and a few minutes of your time.
How can I block my card if it's lost?
You can instantly freeze your card in the VESTIA Online app or call our 24/7 support line at +44 20 7946 0000.
Can I have multiple cards?
Yes, you can order additional virtual or physical cards for different purposes directly in the app.
How do I activate my new card?
Simply go to the 'Cards' section in your app, select the new card, and click 'Activate'. You'll need to set a PIN.
What is the daily withdrawal limit?
Standard daily ATM withdrawal limit is £500, but you can increase it up to £2,000 in your security settings.
Payments & Transfers
What are the fees for international transfers?
Local transfers are free. International SWIFT transfers have a flat fee of £15, while SEPA transfers are only £5.
How long does a SEPA transfer take?
SEPA Instant transfers are processed within seconds. Standard SEPA transfers usually take 1 business day.
Can I set up recurring payments?
Yes, you can create standing orders for any recipient in the 'Transfers' section of the app.
What is the maximum transfer limit?
The default daily transfer limit is £10,000. You can temporarily increase this for large purchases via support.
Do you support Apple Pay and Google Pay?
Absolutely! You can add any VESTIA card to your digital wallet immediately after opening the account.
Loans & Credits
How is my credit limit determined?
We analyze your income, credit history, and account activity to offer you the best possible limit.
Can I pay off my loan early?
Yes, you can make early repayments at any time without any additional fees or penalties.
What is the interest-free period?
Our credit cards offer up to 62 days of interest-free period on all purchases.
How do I apply for a car loan?
Go to the 'Loans' section, select 'Car Loan', and fill out the 2-minute application form.
What documents are needed for a mortgage?
Typically, we require 3 months of payslips, proof of address, and your latest tax return.
Savings & Investments
Is my money safe with VESTIA?
Yes, your deposits are protected by the state guarantee fund. Additionally, we have a $140 million asset insurance policy.
What is the minimum deposit amount?
You can start a savings account with as little as £10.
How does the MoneyBox work?
MoneyBox rounds up your transactions to the nearest pound and saves the difference automatically.
Can I withdraw money from a fixed-term deposit?
Early withdrawal is possible but may result in a loss of accumulated interest depending on the plan.
What are the current interest rates?
Our rates vary by product, currently reaching up to 5.5% AER on fixed-term savings.
Security & Privacy
How do I change my password?
Go to 'Profile' -> 'Security' -> 'Change Password' in your mobile app.
What should I do if I see a suspicious transaction?
Freeze your card immediately in the app and contact our fraud prevention team via Live Chat.
How do you protect my data?
We use bank-grade AES-256 encryption and multi-factor authentication to keep your data private.
Can I use VPN with the app?
Yes, but for security reasons, we may ask for additional verification if the VPN location is unusual.
What is 3D Secure?
It's an extra layer of security for online purchases that requires you to approve the payment in your app.
Business Banking
Who can open a business account?
Any UK-registered Limited Company or Sole Trader can apply for a VESTIA Business account.
What is the 'Unbreakable Business' plan?
It's our free-tier plan for small businesses with no monthly maintenance fees.
How do I issue cards for my employees?
In your Business Dashboard, go to 'Team' and click 'Issue Card' for any team member.
Do you provide API for business?
Yes, we offer a robust Open Banking API for integration with your accounting software.
How do I get a Bank Guarantee?
Submit an application in the 'Business Services' section. Approval usually takes 24-48 hours.
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Still have questions?
Our support team is available 24/7 to assist you
Live Chat
Average response time: 2 mins
Phone Support
+44 7700 900125
Email Us
support@vestiavault.com