Europe

Document 3 of 8 of the BNKA Documentary Package, Edition 1.0
Effective date: July 2026
Supplements: General Terms of Use of the Platform
Precedence: the Regulated Entity's Agreement prevails over this Module in all matters relating to the financial services. The principle of non-duplication set out in clause 2.4 of the General Terms applies.

1. SCOPE

This Module applies to Users resident in the States of the European Economic Area indicated as available on the Platform.

2. ENTITIES

2.1 Regulated Entity. The financial services are provided by an electronic money institution authorised in the French Republic and supervised by the Autorité de contrôle prudentiel et de résolution (ACPR). It is the sole entity responsible for those services.

Its full identification, including its company name, authorisation number, registered office and contact details, is set out in the Agreement which that entity enters into with the User and in the public register of its supervisory authority.

2.2 Technology provider. Byte Neoka UAB, in accordance with the General Terms.

3. DOCUMENT GOVERNING THE FINANCIAL SERVICES

3.1 The financial services, including the payment account, its opening, its nature, the safeguarding of funds, the absence of coverage by deposit guarantee schemes, limits, remuneration, the execution of transactions, execution times, the Regulated Entity's fees and charges, the regime governing unauthorised or incorrectly executed transactions and the applicable liability threshold, rectification time limits, the right of withdrawal, termination of the contract and the procedure for complaints and out-of-court dispute resolution, are governed in full and exclusively by the Agreement and the pre-contractual documentation which the Regulated Entity provides to the User and which the User accepts.

3.2 This Module does not reproduce, amend, interpret or supplement that Agreement. Any discrepancy is resolved in favour of the Regulated Entity's Agreement.

3.3 The User must read and accept the Regulated Entity's Agreement before contracting.

4. FUNCTIONALITIES ENABLED IN THE INTERFACE

4.1 The functionalities accessible through the Platform are executed exclusively by the Regulated Entity. The Platform acts solely as a technology interface.

4.2 The functionalities enabled from time to time are those displayed in the interface, and are limited to those for which the Regulated Entity holds the corresponding authorisation and which are covered by the agreement in force between the Regulated Entity and the group entities.

4.3 Transfers to destinations outside the European Economic Area are governed by the corresponding Corridor Annex, published on bnka.com. Only those corridors for which an Annex has been published are available.

4.4 Available countries. Availability is limited to those States of the European Economic Area in which the Regulated Entity is permitted to provide services to residents. The list of available States is indicated on the Platform.

5. REMUNERATION OF THE SERVICES AND TRANSPARENCY IN THE INTERFACE

5.1 Conversion rate. Where the amount payable by the User and the amount to be received by the beneficiary are expressed in different currencies, a conversion rate will be applied which may include a margin over the reference used to determine it. That margin constitutes the remuneration for the services provided by the participating entities.

5.2 No charge for use of the Platform. Use of the Platform is not subject to any fee, subscription or recurring charge.

5.3 The Regulated Entity's fees. These are set out in its Agreement and in the fee schedule published at bnka.com/fees.

5.4 Information provided before each transaction. Before the User confirms an order, the interface will display, clearly and in a form the User can retain:

(a) the exact amount to be debited from the User's account;
(b) the conversion rate applied and the reference used to determine it, in a manner which allows the margin to be identified;
(c) the total amount of fees and charges, itemised;
(d) the exact amount the beneficiary will receive in the destination currency;
(e) the estimated time for the funds to be credited.

The User must expressly confirm each order. No order is executed without confirmation.

5.5 No fee, charge, conversion margin or other economic item will be applied to the User which has not been notified in accordance with clause 5.4, the fee schedule or the Regulated Entity's Agreement.

6. SECURITY

6.1 The authentication mechanisms are those established by the Regulated Entity, in accordance with the European payment services rules.

6.2 Neither Byte Neoka nor the Regulated Entity will ask the User, through any channel, for the User's credentials, one-time codes or access keys, except where strictly necessary during an authentication process managed directly by the Regulated Entity through its own secure environments.

7. COMPLAINTS

7.1 Financial services. These are addressed to the Regulated Entity, through the channels and in accordance with the procedure, time limits and out-of-court dispute resolution mechanisms set out in its Agreement and in the European payment services rules.

7.2 Software and support. Enquiries and incidents concerning the operation of the Platform may be addressed to support@bnka.com or to the channels indicated on the Platform.

7.3 Administrative bodies. Nothing in this clause limits the User's right to apply to the Regulated Entity's supervisory authority, to the consumer authorities of the User's country of residence, or to any other competent body.

8. PROCESSING OF PERSONAL DATA

Personal data is processed in accordance with Regulation (EU) 2016/679, with the applicable Privacy Policy and with the Regulated Entity's own processing policy.

9. AMENDMENT

Amendments to this Module will be notified with the minimum advance notice required by the European payment services rules. Amendments to the Regulated Entity's Agreement are notified by that entity in accordance with its own regime.

10. GOVERNING LAW AND JURISDICTION

10.1 The Regulated Entity's Agreement is governed by the law which that Agreement establishes.

10.2 As regards the use of the software, clause 16 of the General Terms applies, without prejudice to the mandatory consumer protection provisions of the User's country of habitual residence.