If you are interested in learning more about what Contis can do for you, read through our FAQ below.
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We’ve tried to answer a few of the more frequent questions here. If we have been unable to answer your question, please either send us a message using our contact form.

Where can I see the performance of your app and open banking services?

Here are quarterly reports on our app’s and Open Banking services’ performance:

Category: open-banking

Can I use my card abroad?

Yes. The card issued on your account is issued in a particular currency, normally sterling (£), but could be euro (€) or US Dollar ($) depending on your product. When you make a purchase in the same currency as your card denomination, the amount you pay is as displayed by the seller. When you make a purchase in a different currency a currency conversion will take place, similar to when you exchange currency to go on holiday. When you are buying an item, using your card, the conversion rate can either be provided by the seller (usually called Dynamic Currency Conversion) or by the card issuer using a rate provided by the card scheme (normally Visa or MasterCard) plus a transaction fee (see your account terms and conditions).

Under the Second Cross Border Payment Regulation (CBPRII), as part of the transaction you will also be provided with a ‘benchmark’ rate from the European Central Bank (ECB) and the ‘mark-up’. The mark-up is the difference between the benchmark rate, the rate being offered by the seller and that being offered by the card issuer, allowing you to make an informed decision on which currency conversion method to accept.

However, in order to calculate the card issuer rate, you will need to use their online calculator: before proceeding to the checkout.


To use the calculator:

  1. Enter the amount of the transaction
  2. Enter the card issuer’s bank fee
  3. Enter the date of the transaction
  4. Enter the currency of the card
  5. Enter the currency of the transaction
  6. Select calculate the exchange rate


The following details will be displayed

  • The amount of the transaction in your card denominated currency
  • % mark up over the European Central Bank rate
  • Exchange rate used


When you proceed to checkout you can compare these details with the details provided by seller and make a decision about which payment option you want to use.

Category: cards

What is the complaints procedure?

We aim to deal with all complaints as quickly as possible and respond within one working day, however, where this is not possible we follow our complaints procedure. We will write to you acknowledging the points in your complaint within 5 working days, and then issue a final response within 15 working days. If we are unable to resolve your complaint within 15 working days we may extend the period to 35 working days, but if this is the case we will let you know via an extension letter.

Should you not be happy with the outcome of your complaint then you may escalate this to the Financial Ombudsman:

Financial Ombudsman Service,
Exchange Tower,
E14 9SR.

Telephone: 0845 080 1800 or +44 (0)20 7964 1000 (from outside the UK)
email: enquiries@financial-ombudsman.org.uk.

Category: complaints

When will I receive my card?

Your card should be received within 10 days of being ordered, however, they are often received much sooner!

Category: cards

Contis Platform

Build your own solution from the most comprehensive banking-as-a-service platform in the market.

Embed next-generation payments technology at the heart of your business with our APIs.

Accounts & Features

Safeguarded, feature-rich accounts – Cardless ATM, budgeting tools, mobile app, etc

Cards Issuing

Visa or Mastercard, physical or virtual, debit or prepaid. Tokenisation, biometric, eco-friendly, and metal cards available

Card Processing

In house, EEA-wide with fully transparent fees with a market-leading 99.99% platform uptime

Payment Rails

Including Faster Payments, SEPA, BACS, CHAPS Direct Debit and Peer-to-Peer payments


Customer support, compliance (KYC, SCA), rewards, fraud management and professional services


Faster Payments

Quick transactions through a user-friendly API. Completely scalable and flexible to your organization’s needs


Award-winning paytech. Convert any asset to fiat automatically at point of sale to spend it instantly.

Contis Solutions

Explore industry-specific solutions and high-impact use cases from our modular Banking-as-a-Service platform.

Rapidly launch account, cards and payments services – whatever your business.

By Use Case

Challenge the Banks

Built on our modular e-money platform, get to market in weeks with next-gen accounts, cards, and skinnable app

Next-gen Crypto Debit Cards

No fees, no card loading, just frictionless instant crypto spending

Ecosystem Payments (P2P)

Keep and reward your customers in your own ecosystem with peer-to-peer payments and incentives

Instant Payments

Use virtual and physical cards or accounts to provide instant loan or insurance payments

Embedded Finance

Almost any business can integrate customer-facing financial services in just a matter of weeks

By Industry


We offer virtual cards and Faster Payments for instant claims, with greater control and data available for both client and customer


Contis replaces obsolete systems through our real-time, cloud-based platform, and rapidly adds cutting-edge cards and payments services

Building Societies

We work with over 150 Credit Unions and Building Societies to bring secure next-generation banking services to all of society

International Banks

Contis enables international banks to seize revenue opportunities in Europe through payments and cards services


We provide the backbone and licensing for account and card payment functions, getting fintechs to market in record time