Cardholder Terms
- Last updated:
Chief Legal Officer
Cashback
Yokoy customers receive up to 1% cashback, depending on the chosen plan, on every payment made with a Yokoy Platinum Visa Card up to a maximum cashback amount corresponding to the value of the recurring annual licence fees for Yokoy products.
The cashback program is only valid for Yokoy Platinum Visa Cards.
The following transactions are excluded from cashback payments:
- Incoming transfers to your Yokoy account made by you or a third party
- Outgoing transfers from your Yokoy account
- Withdrawals from ATMs
- Chargebacks
Yokoy explicitly reserves the right to change the cashback percentages paid on transactions with a Yokoy Platinum Visa Card at any time.
Card fees
No card fees, card account fees, foreign currency surcharges or transaction fees (in foreign currency/abroad) are charged for Yokoy cards. Cash withdrawals at ATMs cost 10 Euros per withdrawal. Negative interest: 0.0%.
Cards provided to EEA residents are issued by Transact Payments Malta Limited and cards provided to UK residents are issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Service Commission.
Yokoy GmbH is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see “Europe Safeguarding Explanation”.
Yokoy GmbH is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see “UK Safeguarding Explanation”.
Yokoy Smart Lodge Card
This publication does not represent an offer. The Yokoy Smart Lodge Card is subject to the terms & conditions of the parties involved in the issuance of the card and is only available in certain jurisdictions, including in the United Kingdom and certain countries of the European Union. The availability of the Yokoy Smart Lodge Card depends on admission criteria defined by Yokoy for supported integrations with select Travel Management Companies.
Yokoy reserves the right to change the benefits of the Yokoy Smart Lodge Card at any time. The benefits described on this website are only valid at the time of publication of this description. In particular, the cashback percentage is adjusted regularly.
Yokoy uses Visa Interchange rates found under this link. This Visa card is issued, in the United Kingdom, by Transact Payments Limited and, in the European Union, by Transact Payments Malta Limited, in each case pursuant to a licence by VISA Europe Limited. Transact Payments Limited is a e-money institution, duly authorised and regulated by the Gibraltar Financial Services Commission. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994, registration number C 91879.
The Yokoy Smart Lodge card is interlinked with the Yokoy software and its use requires a respective Yokoy software license and the successful passage of the KYB Process and the account opening by our account partner Modulr. Special Terms and Conditions apply for the Yokoy Smart Lodge card.
Yokoy GmbH is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see “Europe Safeguarding Explanation”.
Yokoy GmbH is a partner of Modulr Finance Limited is a company registered in England with company number 09897957 and ICO registration: ZA183068, registered with the Financial Conduct Authority (Firm Reference Number: 900699) as an EMD Agent of Modulr FS Limited.
Modulr FS Limited is a company registered in England with company number 09897919 and ICO registration: ZA183098, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573). You can check the Financial Services Register.
Terms and conditions
Disclaimer: All Yokoy card products are offered under the acceptance and service terms of the license partners and cannot be guaranteed. For more details, please contact us. Yokoy Group AG is not liable for inaccurate or outdated information on this website and may make changes to all products and services including pricing without prior notice.