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Account & Card

This agreement sets out the terms that will apply to the operation of your Lanistar card (“Card(s))”, which includes your Lanistar card and account (“Account”). We may change these terms and conditions and/or vary our Services provided we give you at least 60 days’ notice off such change before it takes place. We provide technology which enables you to create your Account and associated payment Cards and link your other payment cards to that account so that they can be used seamlessly as part of the same payment service.

Our service protects your money through use of advanced security features such as biometric card activation and dynamic security codes giving you more control, protection and convenience all backed up by our 24/7 multilingual support. You can download a set of these Terms from our website and we will tell you by email when we need to make changes to them.

1. Fees & Benefits

Based on the card you select the following fees and benefits apply: NOTE: ALL fees and charges are in the customers account local currency – therefore if your Card is set up as a £ Sterling account, fees and charges will be levied in £ Sterling.

DescriptionChromeChrome X
Currency Exchange Fees on Card TransactionsFirst £250 of exchange [in any month] free. After that 2.5% of transaction valueFirst £350 of exchange [in any month] free. After that 2% of transaction value
ATM Cash WithdrawalFirst £200 withdrawal [in any month] free. After that 2.5% of transaction valueFirst £300 withdrawal [in any month] free. After that 2% of transaction value
International Money Transfers**£12.50 per transaction£12.50 per transaction
Standard CardsNo charge for the first Card. Replacement Cards charged at £5 each plus postage.No charge for the first Card. Replacement Cards charged at £5 each plus postage.
Polymorphic functions (i.e. using a linked card as a live load for your Card)**Load up to £150 [in any month] free then 2.5% feeLoad up to £250 [in any month] free then 2% fee
Polymorphic Load**£1 / €1 per Card£1 / €1 per Card
Linked Cards**46
Live Load (Loading from your linked cards in real time)see polymorphic functions above
Budgeting App Time**YesYes
Travel Plant a Tree donation**YesYes
Rounding Up**YesYes
Airport Lounge Access**NoNo
Account Lookup Before Payment**No1 per month at no charge then £4.99 per request
Faster Payments (local currency)No ChargeNo Charge
SEPA Payment**1 per month at no charge then £12.50 per transfer2 per month at no charge then £12.50 per transfer
P2P Transfer between holders of Lanistar accountsNo ChargeNo Charge
Monthly subscription fee* (note all subscriptions are for a minimum of 6 months)£0.00 for the first 6 months then £0.99£3.99
Early Bird Discount*The first 6 months are FREE-

* Early Bird Discount: The first 500,000 customers to apply and be accepted for their Card and Account (or until we launch the service) may be offered the following discounts to their monthly subscription fee (you will be notified by us if this applies to you).

** OPTIONS & FUNCTIONALITY – Some of the options and functionality in the above table are for future releases but as and when available will be automatically added to your functionality via the App. You will be notified of these additional features as they become available

2. Us – Who are Lanistar Ltd

We are Lanistar Limited a company incorporated in England and Wales with registered address at Sovereign House, 361 King Street, London, W6 9NA, United Kingdom, company registration number 12091938 (“Lanistar” or “We”). We partner with a number of authorised financial service providers enabling you to use your account through our technology to deliver payments and make transaction (“Partners”). These providers have their own Terms and Conditions which can be found below.

NOTE: By agreeing to the Lanistar terms and conditions for the use of its Payment Card you are also agreeing and accepting the terms and conditions for our service Partners so please ensure you have read and understood their terms and conditions BEFORE agreeing our terms and conditions Currently our relevant Partners are: Our Card and the payment services associated with them are provided by Accomplish Financial Limited (hereinafter referred to as “Accomplish Financial”), a company incorporated in England and Wales with registered address at 33 Lowndes Street, Knightsbridge, London, England, SW1X 9HX, company registration number 08365035, and authorised by the Financial Conduct Authority as an electronic money institution. Accomplish Financial Limited is a Principal Member of Mastercard Europe SA and issues our Cards under licence from Mastercard International;

Accomplish Financial Limited T&Cs

Issuing of your account and the associated electronic money services are provided by Modulr Finance Limited a company incorporated in England and Wales (company number 09897919) with registered address at 1 Hammersmith Broadway, London, W6 9DL. Modulr Finance Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900573) for the issuance of electronic money and provision of payment services;

Modulr Terms & Conditions

Where a payment from or to your Account requires the exchange of one currency for another that service is provided CAMBRIST LIMITED, incorporated and registered in Ireland with company number 584066, whose registered office is at Suite 5236, Unit 1 77 Sir John Rogerson’s Quay, Dublin 2 via their partner Associated Foreign Exchange Limited (which does business under the trade name of AFEX) or AFEX Markets Plc (collectively referred to as ‘AFEX’). Associated Foreign Exchange Limited is registered in England and Wales, Company Number 4848033, Registered Office Address: 4th Floor, 40 Strand, London WC2N 5RW and is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Register Reference: 502593) for the provision of payment services and is registered as an MSB with HM Revenue & Customs (Registered No: 12159000). AFEX Markets Plc is authorised and regulated by the Financial Conduct Authority to provide advice on, and execute trades in FX Options (firm reference number is 526034) and is registered in England and Wales with registered office at 40 Strand, London, WC2N 5RW (company registered no. 07061516).

AFEX Terms & Conditions

NOTE: Modulr Finance Limited, Accomplish Financial Limited nor AFEX is a bank. Lanistar is an agent of Modulr UK and authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 902996). To find out more about how we or our Partners are regulated see: UK Financial Services Register: https://register.fca.org.uk/s/firm?id=0014G00002foh9aQAA

3. You – Our Valued Customer

You are the individual who has applied for and been accepted for an Account and Card. You confirm that you are at least 18 years old and resident in one of the countries indicated in the application process. You agree that we may contact you regarding your Account or Card at the email address provided by you, by calling your mobile phone or through the Lanistar App. We collect personal data about you when you apply for your Account and Card and when you use them, and we will use this personal data and share it with our Partners in order to be able to provide the Service. It is your responsibility to keep your contact details which you lodge with us up to date and accurate.

4. Our Service

We provide you with the Lanistar App which enables you to operate an Account and Card. You can use your Account to make and receive payments and move funds to other Accounts and bank accounts and use your Card to purchase goods and services and withdraw money from ATMs. For more information regarding the Service visit our website here:

5. Our Mobile Application (App)

The Lanistar App is our software application you can download to your mobile device which is available from the Apple App Store or Google Play Store through which you can control and manage your Account and Card. With the Lanistar App you will be able to: Add funding sources for your Account and transfer funds into it; make purchases and move funds using your Card; make payments and move funds from your Account.You have a non-exclusive, non-transferable, fee-free licence to use the Lanistar App and software embedded in it to open and manage your Account and Card. This licence terminates automatically when you close your Account. We may make updates to the Lanistar App from time to time. We will let you know when we plan to do so and if the App will be unavailable for use, and for how long. If we need to do any unplanned maintenance on the App, we will try to let you know as soon as possible. You must upgrade the App when we make new versions available. If you do not, or you do not keep your phone’s operating system up to date, certain features of the App may not work as intended. We are not responsible for the performance of the App if you do not do this.

6. Our Card(s)

The Lanistar Card gives you a choice of two tiers (Tier(s)) of Card. These Tiers provide you with different pricing, charges and free limits depending upon the Tiers you choose. The different Tiers also provide different Card types and designs. On choosing which Tier of Card you want, you a committing to a minimum 6 (six) month period (Minimum Period) of that level of Card. If you wish to downgrade your Tier, you will be responsible for the remaining subscription and charges for the Minimum Period. Your choices of Card Tier are as follows: Chrome – base Tier Card in standard Lanistar Blue design; Chrome X – the entry subscription model

7. Your Lanistar eMoney Account

Your Lanistar eMoney Account is the account associated with your Card and is administered by Modulr Finance Limited. It is the account to which your electronic money is credited and which is used to load or credit value to your Cards and to make and receive payments and transfers. Your Account stores electronic money which is an electronic record of the value available to you. The electronic money held in your Account is NOT covered by the Financial Services Compensation Scheme (FSCS) or any equivalent in a non-UK jurisdiction nor are you able to earn interest on the balance but Modulr UK is required to keep your funds safeguarded in segregated accounts so that the funds are secure should anything happen to us or them.

7.1 Adding funds to your Account

You can add funds to your Account in the following ways: from your other payment cards linked to your Account; from another Lanistar Account; by bank transfer; or through the PayPoint service in the UK. We will credit your Account immediately we receive the funds. If we are unable to credit your Account for any reason such as it being blocked or closed or the sender providing incorrect details then the funds may be sent back to the sender without a prior notification to you.

7.2 Transactions using your Account

We will act on your instructions regarding the operation of your Account, unless we believe any instruction: has not been made by you; is ambiguous or unclear; is against the law; or has been made with fraudulent or criminal intent. We may also refuse to act on your instructions if we are required to for legal reasons; if we reasonably consider it necessary to do so to protect you or us; or if you have broken the terms of this agreement with us. In these cases, we will get in touch with you as soon as possible to let you know that this has happened and explain why, unless we are not allowed to for legal reasons. You must include the correct information on each payment instruction you give to us. If any information is incorrect, we will do our best to help you recover the funds but cannot guarantee that they will be returned to you. Your Account can make payments out to external bank accounts via Faster Payments, SEPA and other methods as added and notified to you from time to time. Fees will apply – please see our fee table above. A transaction is deemed to be authorised by you: when you enter the relevant security information to confirm it; when you give instructions through a third party (such as the recipient of a Direct Debit Mandate or a ‎Payment Initiation Service Provider).‎ Once the transaction is confirmed, we cannot revoke it other than in a limited number of circumstances. Examples include a transaction which is agreed to take place on a date later than the date you authorised it, provided you give us notice to cancel no later than close of business on the working day before the transaction was due to take place. Cancelling a Direct Debit Mandate or recurring Card transactions with us will not cancel ‎the agreement with the organisation you are paying. It is your responsibility to tell the organisation collecting ‎the payment about the changes to your instructions.‎

7.3 Transactions using a third party’s service

You can instruct a third-party service provider to access information on your Account or initiate certain transactions from your Account on your behalf, provided they identify themselves to us and act in accordance with the relevant regulatory requirements. We will treat any instruction from such third party as if it was from you. We may deny access to your Account to the third party if we are concerned about unauthorised or fraudulent access, setting out the reason for such denial. Before doing so, we will tell you that we intend to deny access and give our reasons for doing so, unless it is not reasonably practicable, in which case we will inform you afterwards. In either case, we will tell you in the manner in which we consider most appropriate in the circumstances. We will not tell you if doing so would compromise our security measures or would otherwise be unlawful. If you have provided consent to a third-party service provider to access the data in your Account to enable them to provide account information services to you or initiate transactions on your behalf, you consent to us sharing your information with them as is reasonably required for them to provide their services to you. You must let us know if you withdraw this permission and we recommend you also let the third-party provider know and we will then cease to provide them with access to your Account and the data in it.

7.4 Balances on your Account

If, for any reason whatsoever, you take out more funds than are available on your account, you must reimburse the excess immediately once we notify you. Until we are reimbursed your Account and your Cards will be suspended. Where an excess arises because of an error on the part of the recipient of the payment we will seek to recover the excess from the person who made the error.

7.5 Withdrawing your Funds

As well as getting cash from ATMs you can redeem the funds in your Account at any time in whole or in part using your Card, provided that such funds have not been committed to payments or transactions and/or are not required to cover any fees, third party costs or any other liabilities. To withdraw funds after the closure of your Account you must contact Lanistar Customer Care no later than within 6 years of such closure.

7.6 Errors in Transactions

If something has gone wrong with a payment or transaction from or to your Account and:

  • the person paying you;
  • the bank account you wanted to make the payment into; or
  • the retailer you were paying;

is in the EEA, let us know by contacting Lanistar Customer Care. You need to let us know as soon as possible, and no later than 13 months after the amount was taken from your account. If the money is not received into the account you sent it to, we'll refund the payment back into your account. If you've had to pay any charges or interest as a result of our mistake, we'll refund those too. If we received a payment on your behalf, but the money was not paid into your account on time through our error, we'll immediately credit your account with the amount of the payment. If we subsequently discover that you were not entitled to a refund, we shall treat the refund as a mistake and be entitled to reapply the transaction. If we make an error on a transaction made to someone else through the Direct Debit ‎scheme, we will refund you in accordance with the Direct Debit Guarantee. If a transaction is incorrectly paid into your Account that should not have, we will, where possible, immediately send the funds back to the account or bank acting for the person from whose account the transaction was made. In such circumstance you agree to return the funds to us and provide such assistance that we require in recovering the amount from you. If we cannot recover the funds, we are required to provide sufficient details about you and the incorrect payment to the bank or institution that sent the payment to enable them to recover the funds. You will be liable for all transactions made from your Account if you have acted fraudulently or failed to keep the security credentials used to access or use your Account safe and secure, or failed to notify us within 13 months of any fault with the transaction. You may be entitled to a refund where a transaction from your Account which was initiated by the recipient (“payee”) provided that:

  • the authorisation did not specify the exact amount;
  • the amount of transaction exceeded the amount you could reasonably have expected in the circumstances. We may ask you to provide such information as is reasonably necessary for us to determine if this is correct; and
  • you asked for a refund within 8 weeks of the date the transaction was debited to your Account.

In such circumstances we will refund you within 10 working days of receiving your claim for a refund or, where applicable, within 10 working days of receiving any further information we requested or we will provide you with reasons for refusing the refund. If you want a refund for a Transaction made using the Direct Debit scheme, the Direct Debit Guarantee will apply.

8. Your Lanistar Card

Your Card is a Mastercard debit card which can be used to fund the purchasing of goods and services at merchants that accept Mastercard cards and to make withdrawals from cash withdrawal machines. Restrictions may be applied by Mastercard or Accomplish Financial regarding the use of the Card which are outside our control. Your Card cannot be used where merchants are unable to obtain online authorisation for the transaction (for example on trains, ships, some in-flight purchases and tollbooths) and may in these circumstances decline the Card. You may not normally stop a Card transaction once you have authorised it. At that point we will deduct the value of the transaction, along with any applicable fees from the available funds in your Account. Your Card is valid for the period specified on the Lanistar App. A month of expiry is not specified on your Cards. Instead, there is a variable month of expiry as displayed by the Lanistar App when being used for online and telephone purchases. The year of expiry will always be two years after the year issued. We will automatically issue replacement Cards on expiry.

8.1 Downgrading Your Account

At inception of this agreement you agree and chose the Tier of Card (these are: Chrome or Chrome X) you want to enrol into, this includes the relevant pricing and charges applicable to the Tier chosen. With the exception of the Chrome card the minimum subscription period for Chrome X is 6 (six) months. In the event you choose to downgrade your account, For Example chose to move from a Chrome X to a Chrome account you will be required to pay the remaining subscription period. Your original Card and Account will be cancelled with a new Card and Account issued for the new Tier choice. You will be required to pay any subscriptions or charges for postage required to set up you new Card.

8.2 Card Payments

Your Lanistar App and Card enables you to access your Account and your other cards that you have linked using the Lanistar App. You can make payments using your Card from your Account or by selecting an alternative source of funds within the Lanistar App. We call these polymorphic payments, which are the selection of an alternative source of funds for use with your Card using the Lanistar App. If you try to authorise a transaction that exceeds your available funds the transaction will be declined. We, or one of our Partners, may apply spending limits on your Cards (for example, the maximum amount of payments that you can make in one day), and we will tell you if this happens. You can check your recent Card transactions by: logging into your Account via the Lanistar App and viewing your on-line statement; contacting Lanistar Customer Care.

8.3 Card Funding

Payments are made using funds from your Account which can be topped up from your nominated funding sources or from funds from your linked cards. In the event the funds from a linked card are insufficient to replenish the Account with the full amount of the corresponding transaction, the available funds in the Account will be used to settle the transaction and you will be notified of this in the Lanistar App. If there are still insufficient funds for the transaction because all available funds in the Account have been exhausted then any excess due will be a debt from you to us and must be repaid immediately. The types of funding sources capable of being used for polymorphic payments may change from time to time and such changes would be notified to you through the Lanistar App. Such changes are at our discretion. There are certain circumstances where a merchant may require you to have available funds greater than the value of the transaction you wish to make (for example, when making hotel or rental car reservations) (‘additional funds’). In this event you will not have access to those additional funds until the transaction is completed or, if sooner, up to a period of 30 days. You will only be charged for the actual and final value of the transaction.

8.4 Disputed Card Transactions

If you have a dispute with a merchant relating to a Card transaction you should first contact them to try and resolve it. If it cannot be resolved you should contact us at Lanistar Customer Care, and we will attempt to assist you. If you have reason to believe that a Card transaction was carried out without your consent or in error, you may ask us to investigate. The disputed amount will be unavailable to spend until our investigation is complete and if we receive information that proves the transaction was genuine, this will be deducted from your available funds and we may charge you an investigation fee. If you do not have sufficient available funds, you must repay us the relevant amount immediately on demand.

9. Foreign Currencies

The currency of your Card and Account will depend on your place of registration. If a Card transaction is made in a currency other than the currency the Card is denominated in, the transaction will be converted to the currency of Card by the Mastercard rate set the day we receive details of the transaction. The exchange rate varies throughout the day and is not set by us.‎ You can check the relevant rate as follows:


If a payment from or to your Account requires the exchange of one currency for another that service is provided by AFEX at the rate published by them. We will make an additional foreign exchange mark-up for a transaction requiring a currency conversion as specified in the fee table above.

10. Closing your Account

If you wish to close your Account you must contact Lanistar Customer Care. On your instruction your Account will be closed and your Card and will be cancelled. Any available funds remaining on your Account after closure will be transferred to your nominated bank account via Faster Payments or SEPA (as relevant). If for any reason this is not possible, those funds will remain available to you for a period of six years from the date of Account closure for you to claim by providing details of any alternative recipient account. We will not return any funds remaining on the Account after six years from the date of Account closure. We may close your Account and terminate your use of the Services or at our option suspend the Services and your access to your Account and Card: by giving you at least 60 days’ written notice; if required to do so by law, regulation or law enforcement; or if you are in material breach of the terms of this agreement.

11. Other Details

11.1 Your details

We need to collect information about you in order to provide your Account. We will be what is known as the ‘data controller’ regarding the personal information we collect about you. For more information about how we use your personal information, see our privacy policy . By applying for your Account and using the Lanistar App you are giving us permission to collect, process and store your personal information for the purpose of providing our services to you. We must only use this data as allowed by law. By closing your Account and ending the agreement between us you will be withdrawing your permission to us allowing us to use your personal data. However, we may need to keep some of your personal data for other legal reasons.

11.2 Security

You must keep your Cards, Account information, security details and the devices you use to access the Lanistar App safe. Please:

  • do not share your security details (including your Card PIN, any password or other security information used to protect your Account) with anyone;
  • do not let anyone else use your Lanistar App or Card;
  • keep your Card details safe.
  • Contact us through the Lanistar App, as soon as possible, if your Card is lost or stolen, or if someone else has access to your security details.
  • You should also freeze your Card immediately using the Lanistar App or by calling +389 70 769 232. If you later find your Card or realise there is no risk to your security, you can unfreeze it.
  • You shall be liable for up to a maximum of £35 of losses due to unauthorised transactions made before you informed us about the theft, loss or misappropriation of the Card. If our investigations reveal that you authorised a disputed transaction or that you acted fraudulently or that you negligently or with intent breached the terms of this Agreement (for example, by not keeping your Card or PIN safe), you may be liable for any loss we suffer due to use of the Card.
  • Once a loss, theft or unauthorised use of your Card is reported, use of the Card will be blocked to avoid further losses
11.3 Information we provide to you

We will make available to you, through your Account, key information relating to all payments you make and a transaction history at any time. You can also download it as a report which can be stored and reproduced in an unchanged manner. Any documentation we send you by email may be sent as an electronic attachment (for example, as a PDF). You should make sure that your email and electronic device(s) are set up to receive our communications. Your on-line statement will show your individual transactions, with details including: The amount of the transaction in the currency in which it was made;

  • The charges made for the transaction;
  • The date the transaction was authorised;
  • Details of the funding source used; and
  • Foreign exchange rates used where applicable.

12. Complaints

Should you wish to make a complaint or talk with us about your Account or Card please contact Lanistar Customer Care via the live chat feature of the Lanistar App. On receipt of your query we will acknowledge receipt within 3 working days, we shall try to respond to you as quickly as possible but in any event, we shall reply to you within 15 working days. If, having received a response from our Customer Care team, you are unhappy with the outcome, you can escalate your complaint to our Partner depending on whether your complaint relates to the Account or Card.

12.1 For Card

For complaints relating to Cards please write to Accomplish Financial’s Complaints Department at complaints@accomplish.com

12.2 For the Account

For complaints relating to your Account please write to Modulr Finance Limited's Complaints Department at complaints@modulrfinance.com. In the unlikely event that Accomplish Financial or Modulr Finance are unable to resolve your issue to your satisfaction you have the right to refer your complaint: in the case of Accomplish Financial and your Card(s) to the Financial Ombudsman Service (Exchange Tower, London E14 9SR, phone 0800 023 4567) www.financial-ombudsman.org.uk or; in the case of Modulr Finance and your Account to the Financial Ombudsman Service (Exchange Tower, London E14 9SR, phone 0800 023 4567) www.financial-ombudsman.org.uk

13. Our Liability to You

We shall not be liable for: any loss arising from any cause beyond our control, including but not limited to, a lack of funds and/or failure of network services (such as at ATMs) and failure of data processing systems;

  • any loss of profits or losses not directly the result of our error;
  • any loss caused by use of your Account or Card that is contrary to the terms of this agreement;
  • goods or services that are purchased with the Account or Card; and
  • for any damages due to loss, fraud or theft that you have reported to us 13 months after the event.