My Finance Club – ‘Make Your Money, Work For You’ with the UK’s leading next-generation cards, accounts and e-money services

What is e-money?
Quick and simple tools to manage your own money. No big banks. No hidden fees.

• UK account numbers and sort codes
• Multi-currency cards
• Low-cost international transfers
• Virtual and physical debit cards
• UK-based telephone customer service
• 100% mobile service
• Direct Debit capability
• Manage bills and split payments

Buy, spend and manage bills your way
• Any way you want to pay, we’ve got you covered: Physical and virtual cards, money transfers, e-money services, Google and Apple Pay (coming soon)
• Fee-free cash withdrawals from any supporting cashpoint (UK only)
• International ATM withdrawals
• Automate your bill payments and get regular reminders before money leaves your account
• Send payment reminders and keep track of joint bills
• Set spending limits and get notifications to keep track of your money

Transfer with ease
• Friend owes you money? Send them your account number and sort code for instant payments
• Owe a friend money? Split the bill? Pay them back instantly from the app

Send and spend overseas for free
• Request or send money to over 120 countries with a just a tap
• Low-cost money transfers with no hidden fees
• No charge to use your card or withdraw cash abroad (subject to fair usage policy)
• Get updates and notifications in the local currency where you live and where you are


Borrow confidently
• Exclusive loan products that meet your needs and help you live your life *
• Affordable repayment arrangements
• Easily monitor your balance and make extra payments anytime

Security
• You control your security features
• Biometric and passcode security for extra protection
• Lost your card? Lock or cancel it with a tap in the app
• 24/7 in-app technical support
• UK human customer service by phone 7 days a week
• Our AI advanced systems alerts both you and our team when it suspects suspicious transactions. Helping protect you against scams or fraud

Track and Budget
• Instant payment notifications to track your balance
• Spending tools and personalised budgeting tips help you understand your money better
• Set money aside for your bills in extra free accounts so your main balance only shows what you have for day-to-day spending
• Never be surprised by your balance with notifications before every direct debit or bill payment

* subject to eligibility and affordability checks

MyFinanceClub.com is a trading style of My Finance Club Limited, registered in England & Wales, company number 07301026, registered office: Electric Works, Office G-007-9, 3 Concourse Way, Sheffield Digital Campus, Sheffield. S1 2BJ. My Finance Club Limited is authorised and regulated by the Financial Conduct Authority under Reference Number (FRN) 674521, ICO Registration Number Z2382153. Customer Services Address: PO Box 102, Blyth, NE24 9DR. My Finance Club Limited is a distributor of (i) 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 and (ii) PayrNet Limited, a company registered in England and Wales with company number 09883437. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FCA reference 900594) for the issuing of electronic money and payment services
An e-money account is a digital wallet that lets you store, send, and spend money electronically. It’s not a bank account, doesn’t offer interest and is not covered by the Financial Services Compensation scheme.