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1.1. These Regulations govern all Non-Trading Operations — deposits to, withdrawals from, and internal transfers between a Client's accounts with Finco Group (the "Company"). They form part of the Terms of Business. Where these Regulations conflict with the Client Agreement on a non-trading matter, these Regulations prevail; otherwise the Client Agreement governs. Defined terms have the meaning given in the Client Agreement.
1.2. All Non-Trading Operations are requested through the client portal. Other channels (email, telephone) are for support only.
1.3. The Client must provide accurate identification information and keep it current. The Company may at any time request identity and address verification (clause 3 of the AML & KYC Policy) and may suspend a Non-Trading Operation where information is missing, incorrect, or where verification is outstanding.
1.4. The Client guarantees the lawful source and ownership of all funds transferred to the Company.
2.1. Deposits and withdrawals are available through the methods published in the client portal. Fees and minimum/maximum amounts for each method are published and may change from time to time; current terms are always shown in the portal before the Client confirms a transaction.
2.2. The Company does not charge hidden fees. Third-party charges (bank, card, or payment-provider fees, and currency conversion) may apply and are borne by the Client where stated; these will be disclosed.
2.3. Funds are credited in the account's currency. Where the transfer currency differs, conversion is applied at the rate published in the portal at the time of processing.
2.4. Requests are processed within 1 business day of acceptance (or of funds clearing, for deposits), save for additional checks. The Company may set reasonable limits on the number of withdrawal or transfer requests within a 24-hour period, published in the portal.
2.5. Third-party payments are not accepted. The name on the paying instrument must match the account holder. Funds received from or sent to a third party will be returned to source; associated costs are borne by the Client or the third party.
3.1. Bank transfer. Available once the Client is verified. Deposits must come from an account in the Client's name. Withdrawals are paid only to an account in the Client's name. The Company is not responsible for the time banks take to process transfers (typically 2–5 business days).
3.2. Credit/Debit card. Available for accepted card types via the Company's PCI-DSS-compliant payment partners. Cards must be issued in the Client's name. For card deposits, the Company may request a copy of the card (with the middle digits and CVV masked) and proof of identity. Where funds were deposited by card, withdrawals up to the deposited amount are, where required by scheme rules, returned to the same card; amounts above the deposit are paid by bank transfer to an account in the Client's name.
3.3. Other electronic payment methods. Available as published in the portal, subject to the same name-matching and verification rules.
3.4. Cryptocurrency transfer. Where supported, the Client may deposit and withdraw using the crypto-assets and networks published in the client portal [LIST SUPPORTED ASSETS / NETWORKS]. Deposits are credited after the required number of network confirmations and, unless the account is crypto-denominated, converted to the account's base currency (or a supported stablecoin) at the rate and spread shown at the time of processing. Withdrawals are paid to a wallet controlled by the Client, subject to AML/KYC and, where feasible, verification of wallet ownership. The Client is responsible for providing the correct address and network; on-chain transfers are irreversible, and network fees and conversion spreads are borne by the Client. Client crypto received as funding is held in segregated client wallets in accordance with clause 9 of the Client Agreement. The Company may reject or return crypto deposits linked to high-risk or unlawful sources.
3.5. Internal transfers. A Client may transfer funds between their own accounts. Transfers to third-party accounts are not permitted. Any deposit-method restrictions (for example, card withdrawal limits) carry over to the receiving account.
4.1. Withdrawals are paid to the Client only, using, where required, the same method by which funds were deposited, in line with AML rules.
4.2. The Company may require completion of identity verification before processing a first withdrawal, and may request source-of-funds information on a risk basis.
4.3. Where an account is in arrears (a negative balance not covered by negative balance protection, or amounts otherwise owed), the Company may withhold withdrawals to the extent of the amount owed until settled. This does not affect a Retail Client's negative balance protection.
5.1. If funds are not credited within the expected time (typically 5 business days for bank transfers, 2 business days for electronic methods), the Client may request an inquiry through the portal. Inquiry or trace fees charged by banks or providers may be borne by the Client and will be disclosed.
5.2. If the Company makes an error causing funds not to reach the Client, the Company will make it right at its own cost. If the Client provides incorrect payment details, the costs of tracing and resolving the error are borne by the Client.
6.1. Access to the portal is protected by the Client's credentials. The Client is responsible for keeping credentials secure; instructions given through the Client's credentials are treated as the Client's own. The Company is not liable for unauthorised access except to the extent caused by its own fraud, wilful default, or gross negligence.
6.2. All Non-Trading Operations and their status ("Processing", "Successful", "Declined") are recorded in the portal's transaction history. Where a request is declined, the reason is shown.
6.3. Password reset and recovery are available through the portal's secure self-service process. [If any manual/offline reset is offered, describe a proportionate, non-obstructive procedure here — do not require notarised documents by post.]
7.1. The Company may treat a Non-Trading Operation as suspicious where, for example: funds are deposited with no genuine trading purpose; the transaction lacks apparent economic rationale; third-party funding is involved; verification information is missing or false; or the Company cannot contact the Client.
7.2. On reasonable grounds, the Company may suspend the operation pending investigation, request further documents, decline the operation, return funds to source, or (in serious cases) terminate the relationship. The Company acts proportionately and in good faith, and complies with its legal reporting obligations. Proper exercise of these rights does not give rise to liability.
8.1. The Company communicates via the portal, email, telephone, and Website notices. The Client must keep contact details current.
8.2. Complaints about Non-Trading Operations follow the complaints procedure in the Client Agreement (clause 16), including escalation to KUNAISA if the Client is not satisfied with the Company's final response.
9.1. The Company may amend these Regulations in accordance with clause 18 of the Client Agreement, giving the Client no less than [3] business days' notice, except where an immediate change is required by law, regulation, or to address a security or Force Majeure event.
Finco Group · Regulated by KUNAISA, Licence No. FX0042026.