Terms of Service

These terms govern your use of FTFT Pay, a money transfer service operated by FTFT Finance UK Limited. By creating an account or sending a transfer you agree to them.

FTFT Finance UK Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations (FRN: 805666). Registered in England and Wales, company number 16399754.

You must be at least 18 years old, a UK resident (unless agreed otherwise), and able to lawfully enter a contract.

You agree to provide accurate, current information and to keep it updated. You are responsible for safeguarding your account credentials.

Exchange rates and fees are displayed before you confirm a transfer. Transfers are subject to identity-verification, fraud and AML checks. We may refuse, delay or reverse transfers where required by law.

Fees and rates are shown in our calculator and at confirmation. Rates fluctuate; the rate quoted at confirmation is the rate applied to your transfer.

You may request cancellation of a transfer that has not yet been delivered. Refunds are processed to the original payment method within 5 business days.

You may not use FTFT PAY for any unlawful, fraudulent or sanctioned activity, or to fund prohibited goods or services.

Our liability is limited to direct losses caused by our breach of these terms, capped at the amount of the transfer in question.

These terms are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the English courts.

We may update these terms; material changes will be communicated by email and on our website at least 30 days in advance.

For questions about this policy, contact us at legal@ftftpay.com.

If something goes wrong, contact us first and we will acknowledge your complaint promptly and aim to resolve it within 15 business days, or 35 business days in exceptional cases.

If you are not satisfied with our final response, you may refer your complaint to the Financial Ombudsman Service. Full details are in our complaints policy.

How we collect, use and protect your personal data is set out in our privacy policy and cookie policy.

Questions about these terms can be sent through our contact page or by email to legal@ftftpay.com.

FTFT Finance UK Limited, Horizon House, 136B Darkes Lane, Potters Bar, London EN6 1AF, United Kingdom.