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Cookie Policy

Jurisdiction:

Version:

2

Effective from:

Jul 7, 2026

© xpate 2026. All rights reserved

*Not a bank, just doing all the cool stuff banks do without the boring branches, confusing fees or stuffy suits

United Kingdom: xpate Ltd (company number 11920779) is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 901021). Registered address: 40 Bank Street, London, E14 5NR, United Kingdom. European Economic Area: xpate SIA (registration number 40203411426) is licensed by Latvijas Banka as an Electronic Money Institution (licence No. 27-55/2023/7). Registered address: Dzirnavu iela 42, Riga, LV-1010, Latvia. Singapore: NOVUM Financial Technologies Pte. Ltd. (UEN 201808498D) is licensed by the Monetary Authority of Singapore as a Major Payment Institution. Registered address: 9 Raffles Place, Singapore 048619.

The funds held with xpate are not bank deposits protected under a deposit guarantee or deposit insurance scheme. You may contact us via email at wecare@xpate.com.

© xpate 2026. All rights reserved

*Not a bank, just doing all the cool stuff banks do — without the boring branches, confusing fees, or stuffy suits. You're welcome.

United Kingdom: xpate Ltd (company number 11920779) is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 901021). Registered address: 40 Bank Street, London, E14 5NR, United Kingdom. European Economic Area: xpate SIA (registration number 40203411426) is licensed by Latvijas Banka as an Electronic Money Institution (licence No. 27-55/2023/7). Registered address: Dzirnavu iela 42, Riga, LV-1010, Latvia. Singapore: NOVUM Financial Technologies Pte. Ltd. (UEN 201808498D) is licensed by the Monetary Authority of Singapore as a Major Payment Institution. Registered address: 9 Raffles Place, Singapore 048619.

The funds held with xpate are not bank deposits protected under a deposit guarantee or deposit insurance scheme. You may contact us via email at wecare@xpate.com.

© xpate 2026. All rights reserved

*Not a bank, just doing all the cool stuff banks do — without the boring branches, confusing fees, or stuffy suits. You're welcome.

United Kingdom: xpate Ltd (company number 11920779) is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 901021). Registered address: 40 Bank Street, London, E14 5NR, United Kingdom. European Economic Area: xpate SIA (registration number 40203411426) is licensed by Latvijas Banka as an Electronic Money Institution (licence No. 27-55/2023/7). Registered address: Dzirnavu iela 42, Riga, LV-1010, Latvia. Singapore: NOVUM Financial Technologies Pte. Ltd. (UEN 201808498D) is licensed by the Monetary Authority of Singapore as a Major Payment Institution. Registered address: 9 Raffles Place, Singapore 048619.

The funds held with xpate are not bank deposits protected under a deposit guarantee or deposit insurance scheme. You may contact us via email at wecare@xpate.com.