The following terms outline the key features, conditions, and partners involved in the Perk Card program, including the Perk Platinum Visa Debit Card and the Perk Platinum Visa Debit Lodge Card. These terms apply to all users of Perk Card products and services.Please read them carefully to understand how cashback rewards, card fees, issuing partners, and safeguarding obligations are managed under applicable financial regulations in the European Union, Switzerland and the United Kingdom.Perk Card products are offered in collaboration with licensed financial institutions and electronic money partners, ensuring that all accounts and card services comply with relevant local regulatory requirements. Availability of certain products or benefits may vary by region and customer eligibility.
Card fees
No card fees, card account fees, foreign currency surcharges or transaction fees (in foreign currency/abroad) apply to Perk Cards. Cash withdrawals at ATMs incur a fee of 10 Euros per withdrawal.
Cashback
The Cashback Program allows Perk customers to earn a percentage of eligible spending made with their Perk Cards as a rebate, credited back to their account.Perk customers using Perk Cards (excluding Perk Lodge Cards) are eligible to participate in the Cashback Program. The applicable cashback percentage is defined in the customer’s Order Form.Cashback is earned on eligible payments made with a Perk Card. The following transactions are not eligible for cashback:
Cash withdrawals from ATMs
Chargebacks to the Perk card
Transactions determined to be fraudulent
Perk reserves the right to change the cashback percentage or suspend the Cashback Program at any time in accordance with applicable terms.
Partners
Perk collaborates with trusted and regulated financial institutions to provide the Perk Card and related payment services. These partnerships ensure that all cards, accounts, and transactions are issued and managed in compliance with applicable financial regulations in the European Union, Switzerland and the United Kingdom. Below you can find more information about our issuing and payment partners, their regulatory status, and safeguarding arrangements.TransactPayPerk Cards provided to EEA residents are issued by Transact Payments Malta Limited and Perk Cards provided to UK residents are issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Service Commission. ModulrFor Perk Cards issued in the EU: Yokoy GmbH is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see “EU Safeguarding Explanation”. For Perk Cards issued in the UK: Yokoy GmbH is a distributor of 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. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see “UK Safeguarding Explanation”.
Perk Lodge Card
The Perk Lodge Card is issued in the United Kingdom by Transact Payments Limited and in the European Union by Transact Payments Malta Limited, in each case under a licence by VISA Europe Limited. Transact Payments Limited is an e-money institution, duly authorised and regulated by the Gibraltar Financial Services Commission. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994, registration number C 91879.Yokoy GmbH is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see “Europe Safeguarding Explanation”.Yokoy GmbH is a partner of Modulr Finance Limited is a company registered in England with company number 09897957 and ICO registration: ZA183068, registered with the Financial Conduct Authority (Firm Reference Number: 900699) as an EMD Agent of Modulr FS Limited.Modulr FS Limited is a company registered in England with company number 09897919 and ICO registration: ZA183098, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573). You can check the Financial Services Register.
Terms and conditions
Disclaimer: All Perk Card products are offered under the acceptance and service terms of the licensed partners and cannot be guaranteed. Perk is not liable for any inaccurate or outdated information on this website and reserves the right to modify any products, services or pricing without prior notice.Perk Cards are integrated with the Perk platform. Its use requires an active subscription with the respective Perk platform, the successful completion of the Know Your Business (KYB) process, and the account opening with our account partner Modulr. For your convenience, the following documents provide detailed legal and regulatory information applicable to Perk Cards. By accepting or signing the Order Form, the applicable GTCs and related partner terms become an integral part of your agreement with us. These documents include the applicable partner terms, safeguarding explanations, privacy policies, and other agreements governing the use of Perk Card products and related services. Please review the documents that apply to your region and product type to ensure full understanding of your rights and obligations.
Cards provided to EEA residents are issued by Transact Payments Malta Limited and cards provided to UK residents are issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Malta Limited is duly authorised and regulated by the Malta Financial Services Authority as a Financial Institution under the Financial Institution Act 1994. Registration number C 91879. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Service Commission.