Anyone over the age of 18 who is a resident in the United Kingdom.

The Xonder card can be used anywhere Prepaid Mastercard cards are accepted.

A prepaid card is a payment card with a monetary value stored on the card itself, not in an external account maintained by a financial institution

Unfortunately, as of right now, we are not accepting any cheque deposits, however we are constantly working on making Xonder the best it can be and that includes finding a smarter solution for depositing cheques.

With Xonder, you can expect to receive:

• A FREE Xonder business account
• Your very own business Mastercard with free purchases both at home and abroad
• Instant invoice creation and payment

Yes, the limits on your Xonder account are:

• Maximum card payment is £10,000 a day
• Maximum card payment of £50,000 per month
• 2 ATM withdrawals a day
• Maximum balance of £100,000

Your funds are placed in a segregated account (known as a ‘safeguarding account’) at a bank that meets the local regulatory requirements.
Funds are not covered by any schemes. Instead, your funds are segregated, which means those funds would be separated from other assets in the event of an insolvency and used to repay you and other clients.
Safeguarding is a regulatory requirement for all EMIs designed to protect customers from the risk of losing funds. Funds are reconciled at least daily and an independent expert validates that all obligations are met each year.
Your funds are not covered by the FSCS (UK) and DGS (EEA) protection. 

All the money held in your Xonder account is covered under the FCA safeguarding requirements and the corresponding regulations.
The purpose of safeguarding is to protect and return customer money if a company fails. The corresponding regulations refer to Electronic Money Regulations 2011 and Payment Services Regulations 2017. If you want to learn more about these regulations, please visit the FCA website.

Unfortunately, as of right now, Xonder does not support Apple Pay. Although, this is only temporary and we plan to make Xonder fully compliant with Apple Pay soon.

At the moment, this service is not available to Xonder customers but it is something we are looking into for the future.

Yes! Simply open the Xonder app and head over to the “Statements” section where you will find your monthly statements.

Not yet, but Xonder is looking into making this happen later on in the year.

Any European National ID cards, international driving licences or passports are enough for us to be able to verify your identity.

• Proof of ID: Valid Passport, Photo Drivers License & National ID Card
• Proof of Address: Utility Bill in your name & address dated within the last 3 months.

We safeguard your information in accordance with our Privacy Policy and applicable law. Please see our privacy policy 

In order to open a business account with Xonder, you will need to meet the requirements listed below for eligibility:

• If you are looking to apply for a limited company account, then you’ll need to be registered with UK Companies House as director of that specific company.
• If you would like to apply for a sole trader account, you must be either a sole trader or a freelancer based in the UK.

For both account types, you must be at least 18 years old, have a valid UK telephone number and address, and possess a compatible device registered to the UK App Store or Google Play Store.

Part of our mission is to help business owners spend less time and money on admin, and we want to help as many as we can to do so. However, it’s simply not possible for us to onboard just any regular business right now, certain types of businesses can be a bit more complex to approve, so the scope of businesses that can get an account with us is a little smaller.

We aim to make Xonder more accessible in the future, but as of right now we’re not able to onboard these types of businesses:

• Trading of cryptocurrencies
• Trading of precious metals and stones
• Money services (such as foreign exchange, loan providers, money transfers)
• Casinos, prize draws and other betting or gambling activities
• Sale of unlicensed pharmaceuticals
• Sale or trade of cannabidiol (CBD) products
• Trading of weapons, explosives or armaments
• Unlicensed trading and processing of scrap metal
• Unlicensed waste management
• Sale, import and export of used vehicles or heavy machinery
• Escort services and other services in the adult industry
• Bidding fee auctions
• Modelling agencies
• Travel agencies
• Car wash services
• Political parties
• Charities
• CICs and CIOs

We strived to make Xonder’s application process as quick and smooth as possible. Most accounts are usually approved and ready to go within several minutes. Some applications can be more complex and take longer to approve, however you can still expect to receive your business account in a smooth and timely manner.

Unfortunately, registering a charity requires us to follow different rules and regulations to that of a business. This will most likely take us away from Xonder’s core mission. Further down the line, it’s possible we may support these types of organisations, but for the foreseeable future, our main goal is to provide the best financial service for all businesses whether big or small.

No, Xonder does not carry out credit checks! Although, in order to open a business current account, we do conduct an electronic check (run by a third-party service) for the sake of verifying your identity and complying with UK anti-money laundering regulations. These checks will not affect your credit score, however they will show up on your credit report.

Yes! Applicants who are not based in the UK are more than welcome to apply for a Xonder business account, so long as they are directors of the company and it must be registered with UK Companies House. Occasionally, we may perform some additional checks, so we are able to process your application without any hassle.

Also, in order to access the Xonder app, you are required to switch either the App Store or Google Play Store to the UK version.

For iOS users, Xonder runs on iOS 10 and above. For Android users, it runs on Android 5.0.0 and above.

Unfortunately, Xonder is not compatible with any Windows operated phones.

We would like for every small business owner to be able to use Xonder. If you have a disability, please send an email over to hello@gharwish.pk to learn how we can help. Please include in your message:

1. Your name
2. Your company name (if you are a limited partnership)
3. Your request
4. The best way for us to contact you

If you have any further suggestions on how we can improve Xonder, please don’t hesitate to get in touch with us.

To access your account on a new phone, or if you re-install the app after deleting it, you’ll need to complete a quick account recovery process to verify your identity again.

If you’re restoring the apps linked to your previous device, you’ll just need to delete and re-install the Xonder app. For security reasons, entering your passcode on a ‘restored’ version of the app won’t work.

To begin the account recovery process, open the app and tap “I already have an account” at the bottom of the screen.

Production and sandbox APIs are available via Open Banking Developer Portal.

What does this mean for Xonder members?

Members will be able to link third party financial tools directly to their Xonder app by using Open Banking services. You’ll be able to make payments and see your account balance using linked third party apps, and grant access to time saving accounting tools!

Who can integrate with the Open Banking APIs?

Our Production API can be accessed by any authorised TPP who has enrolled on the OBIE Directory and has production Open Banking or eIDAS certificates. Alternatively TPPs may also integrate via our trusted TSP ‘Yapily’.

Our API Sandbox contains a full simulation of our APIs, without connecting to any real customer accounts. Any developer can access the Sandbox using their own self signed certificates. 

Its FREE! You heard right. Xonder is absolutely FREE of charge for anyone to use.

There are no charges whatsoever from Xonder, however you will be charged the exchange rate for the currency specific to the country you are visiting.

GBP payments that are sent within the Xonder app are all made as Faster Payments.

Payments can be made as either:

• Direct Debits
• one-off transfers
• scheduled payments (whether they are future-dated transfers or standing orders)

Yes, Xonder supports Direct Debit, which means you can make all the Direct Debit payments you wish!

A ‘scheduled payment’ is either a recurring or one-time payment from your account in which you send a specific amount of money at a specific time period. This is different from a normal transfer, which allows you to send over money immediately.

‘Standing Orders’ are essentially recurring scheduled payments, for the same amount, at a specific frequency you’re able to choose from.

These payments can easily be set up within the Xonder app.

• Faster payments are usually processed instantly with money arriving in your account in a matter of minutes. Certain banks may take around two hours to process Faster Payments. In this situation your money might take a little longer to arrive

• If you’re waiting for a Bacs transfer, the money should be in your account within roughly three days.

• CHAPS is short for Clearing House Automated Payment System. These payments are typically for higher-value transactions, such as property or car purchases. Once we receive your CHAPS payment before 3:00 PM, it will arrive in your account the same working day from 4:10 PM to 7:10 PM. All CHAPS payments received after 3:00pm will arrive in your account after 4:10pm the next possible working day. If you are expecting a payment and the money has not arrived within this timeframe, get in touch with us and we will do whatever we can to help. Simply open the app and navigate to ‘Support’ to send us a message.

Your card is a prepaid card and account, which means that you can only spend or use available funds on the wallet.

Your card will be declined if there are not enough funds on the card for the purchase you are attempting. If for any reason a transaction is processed that exceeds your available funds, we may block your card, and you will be required to repay the amount owing immediately.

If a Payment is attempted with insufficient funds in the account, the payment will be rejected.

Yes, Xonder will not charge you for any international payments, however, you may have to pay the exchange rate when abroad.

You can check your PIN at any given time from the app’s home screen. Simply tap on the card icon and select ‘Show PIN’.

If you wish to change your PIN code, it can be done quite easily at a majority of ATMs.

You can change your PIN code in the Xonder app.

Good PIN Practices:

1. Never share your PIN with anyone
2. Choose a PIN that is difficult to guess. Do not use date of birth or partial account numbers, and try to avoid using consecutive numbers such as 1234 or repeated numbers such as 0000.
3. Keep your PIN memorised, don’t write it on your card or put it on a piece of paper with your card. 

After changing the PIN, you need to verify the new PIN on the ATM.

Yes, you may apply for as many business accounts as you wish, each request will be subject to our standard approval criteria.

Our multi-business feature allows you to switch between companies using the same device.

Multi-business access is currently limited to only five companies per device. If you have more than five different companies, you can set up the multi-business feature on additional devices.

Yes! You can use your Xonder account with all the services mentioned above.

Most Xonder members should receive their business debit cards in 2-4 working days. However, if it has not arrived after 5 working days, please contact us.

We will automatically send your card out to your trading address.

If you would like for your card to be sent to another address, simply open the Xonder app and tap More > Profile to change your address.

The partially masked mobile number and email address will be displayed on the authentication page so that you can check that those details are correct. If the mobile number and email address are incorrect, cancel the transaction and either update your information on the portal or contact Customer Services by calling 0330 088 2264.

Your card might be disabled on the app, in this instance just open the app and follow the steps to reactivate the card. Every 5th contactless payment must be chip and PIN, so this could be why your card isn’t working using contactless.

Yes! If you would like to partner with us, please visit our partners page for more info or email partners@gharwish.pk 

Unfortunately, this is not possible. If you are looking to switch between a sole trader and registered company account , you must cancel your existing account with Xonder and open a new one.

We’re sorry to hear that! You can either freeze, cancel or reorder a card from us using the Xonder app – simply tap the card icon located on the home screen.

We apologise if your experience with Xonder has been unsatisfactory. So we’re able to fully understand the problem, please reach out to us on our Feedback page with a brief explanation of what has happened and we will look into it for you immediately.

Your Xonder Business account can be set up instantly! In fact, we will send you your sort code and account number within minutes!

If you ever suspect that a fraudulent purchase has been made using your card, contact Customer Services by calling 0330 088 2264 immediately.
If, after reviewing the transaction, we believe that it was not authorised by you, you will be refunded as soon as possible, and we will investigate on your behalf.

We may need to cancel and replace your card for security reasons. If we need to do so, you will not be charged for a new card and your remaining balance will be transferred across to the new card.

To create an invoice, simply:

1. Firstly, open the Xonder app on your device and navigate to “Invoice”.
2. Secondly, edit your template, then tap on “Create New Invoice”.
3. Thirdly, add some items and VAT if it’s necessary.
4. Finally, check all the relevant information is correct and send it to your customer.

For more security, visit our website and add “Invoice Protection”.

Yes, all Xonder members can use the Invoicing feature free of charge. You can create, send and even customize invoices with your company logo.

Your details will be filled in automatically for you.

You can change your email address within the invoice settings.

Sole traders are also able to change their name and address.

If you are a limited company you cannot change your name and registered address as the information on your invoices must match the information we provide for your company (for legal reasons).

To change your invoice settings:

• Open the Xonder app on your device
• Go to Invoice > Actions (upper right corner)
• Tap on “Settings”

Direct Debit is an automated payment method that lets you to collect payments from a customer’s bank account.

For small businesses, Direct Debit is a smart way of collecting payment. This is because of two reasons:

Direct Debit is automatically withdrawn from your customer’s bank account

After customers have authorized a Direct Debit mandate from you, you will be able to set up future payments from their bank account. Your customers are always notified of the payment amount and date, but because payments are automated, they don’t have to remember to pay. This means you can spend less time chasing late payments.

Direct Debit payments are bank-to-bank

There is no card network involved in processing Direct Debit payments, therefore costs remain low and there is no risk of payment failure because of expired cards.

A direct debit mandate (also known as an “instruction” or “authorization”) is a form that your customers fill out in order to authorize your business to collect Direct Debit payments from their bank account.

Currently, the best experience for team members is on mobile devices. We’re only able to support team member access on laptops with strong authentication hardware, such as MacBooks with fingerprint readers or computers that have Windows Hello.

If you find your are having trouble on devices with a hardware authenticator, try using Safari on iOS or Chrome on all other platforms.

We are working on a secure way to allow login on other computers.

To revoke team member access on expense cards, simply:

1. Open the Xonder app on your device.
2. Go to Expense Cards > More where you will see a list of all the members of your team.
3. Tap on the name of the member who has left and then you can revoke their access.

Yes, adding users with the same email address they are already using for their Xonder account can make it somewhat easier for them to work with your account, but you may use another email address if you would prefer to do that.

Yes! If you are invited with the email address you already use, you will find a list of companies you can choose from when you’re logged in. If you are prompted with a different email address, follow the invitation link on that same exact device, so then each time you log in, we will ask you which exact login details you would like access for.

We will not charge a fee for the first £300 of withdrawing £ Sterling from ATMs in the UK. After this amount we will charge 1% on the amount withdrawn.

We will not charge you a fee for the first £300 of withdrawing cash in foreign currency outside the UK. After this amount we will charge 1% on the amount withdrawn. The Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider.

Here is the max number of ATM withdrawals are listed below:

• Max number of ATM withdrawals allowed ( per day – 24 hours rolling)
  • 2
• Max number of ATM withdrawals allowed ( per 4 days – 96 hours rolling)
  • 8

Here are the max values of ATM withdrawals are listed below:

• Max value of ATM withdrawals allowed ( per day – 24 hours rolling)
  • £300
• Max value of ATM withdrawals allowed ( per 4 days – 96 hours rolling)
  • £1200

There’s a chance you may be asked to provide a confirmation to prove you hold an account with us by a third party.

Getting a hold of your account confirmation letter is quite simple. All you need to do is:

1. Open up the Xonder app and click on Settings located in the top right corner of the screen
2. Once in Settings you will want to click on Statements
3. Here you will see an option that will say “Account Confirmation Letter”
4. Click Export
5. Finally select where you would like this document to be exported to