Safety of Your Funds

Your peace of mind when transferring funds is extremely important to us. We want to reassure you that your money is handled with the highest standards of security and in full compliance with UK financial regulations.

How we protect your funds

Currencyflow only partners with tier-one banking institutions for both liquidity and the safeguarding of client funds.

All client funds are held in safeguarded accounts that are entirely separate from Currencyflow's own operational funds.

When funds are received into your account, our regulated payment or e-money partners safeguard those funds in accordance with FCA regulatory requirements. This means that the money shown in your payment account or e-wallet is either:

• Held at reputable banks in segregated safeguarding accounts, or
• Covered by an insurance policy,

and remains protected for you in the unlikely event of the insolvency of our partners or Currencyflow.

Safeguarding ends once your funds have been paid out of your account to your beneficiary.

If you would like a breakdown of the exact amount of funds safeguarded at each of our payment or e-money partners at a specific point in time, please contact us at contact@currencyflow.com.

What is a client safeguarded account?

A safeguarded account ensures that client funds are kept separate from the financial institution's own money, providing security and preventing unauthorised access.

Under UK law, Payment Institutions and Electronic Money Institutions are required to:

• Segregate client funds as soon as they are received,
• Keep them separate from all other company funds, and
• Transfer any remaining funds at the end of the business day into safeguarded accounts held with approved banking partners.

This framework ensures your funds are protected and can be returned promptly if required.

Our regulated partners

Payment services for Currencyflow Limited are provided by Sciopay Ltd and Currencycloud.

Sciopay Ltd

Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay is licensed and regulated by HMRC as a Money Service Business (MSB). License No: XCML00000151326.

Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.

Currencycloud

When funds are credited to your account, electronic money (e-money) is issued in exchange by an authorised Electronic Money Institution with whom we partner, namely Currencycloud. In accordance with applicable regulatory requirements, Currencycloud safeguards your funds. This means that the monetary value behind your account balance is held at a reputable financial institution and is protected in the event of insolvency of either Currencycloud or ourselves. Currencycloud ceases safeguarding your funds once the money has been successfully transferred from your account to the intended beneficiary’s account.

For clients based in the United Kingdom, payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Currencycloud Terms of Use.

For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Currencyflow Limited are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

Our security measures

We apply strict technical and organisational controls to protect your information and transactions:

• Encryption: All network traffic is encrypted in transit and at rest, with secure key management practices.
• Access Control: Our systems use a role-based, hierarchical security model with two-step and multi-factor authentication for sensitive operations.
• Monitoring and Auditing: All access to systems is logged, monitored, and regularly audited to identify and prevent suspicious behaviour.

In short

Your funds are:

• Held with reputable, FCA-regulated partners,
• Kept in segregated safeguarded accounts,
• Fully separated from company funds, and
• Protected under FCA safeguarding regulations.

Your money is never mixed with company funds, never used for business operations, and always safeguarded by leading UK-regulated financial institutions.