Cardholder Agreement

You must activate your card through the Lexpay app or dashboard before first use. Keep your PIN, card details and credentials confidential and never share them with anyone.

Cards may be used for purchases at merchants accepting Visa or Mastercard and for ATM withdrawals where permitted. Usage must comply with our Acceptable Use Policy and applicable law.

Transaction limits and fees depend on your subscription tier and are listed in your dashboard. ATM withdrawals incur a 2% fee. Foreign-exchange transactions are converted at our published rates.

Freeze your card instantly in the app and contact support@lexpayments.net. You are not liable for unauthorised transactions occurring after you notify us, provided you have not acted fraudulently or with gross negligence.

Your liability for unauthorised transactions before notification is capped at €50 in line with applicable consumer protection rules, except in cases of fraud or gross negligence.

You may close your card at any time through the app. Lexpay may close, suspend or refuse to reissue cards in line with our Terms of Service.