Business Payroll Card Offer T&Cs

2.1 To be an "Eligible Business", a business must:

• (a) open an nsave Business account during the Offer Period, or hold an nsave Business account opened on or before the end of the Offer Period; and
• (b) meet the Payroll Requirement in section 3.

2.2 An "Eligible Employee" is a person who:

• (a) receives Payroll Transfers (see section 3) from the Eligible Business; and
• (b) resides in a country where the Visa Platinum card is available.

2.3 An "Eligible Founder" is a person who:

• (a) is a founder, director or major shareholder of the Eligible Business; and
• (b) resides in a country where the Visa Infinite card is available.

2.4 Each Eligible Business can receive Visa Infinite cards for up to 5 Eligible Founders.

3.1 A "Payroll Transfer" is a payment sent from the Eligible Business's nsave Business account to an account held by an individual. Payments to other businesses, and payments to accounts held by the Eligible Business itself, are not Payroll Transfers.

3.2 Payroll Transfers only count if they are sent as part of a Bulk Payment. A "Bulk Payment" means more than 10 Payroll Transfers sent in the same calendar month. A calendar month runs from 00:00 GMT on the 1st to 23:59 GMT on the last day of the month.

3.3 A Payroll Transfer counts in the calendar month in which it is sent from the nsave Business account. Payments that are cancelled, rejected, returned or reversed do not count.

3.4 To meet the "Payroll Requirement", the Eligible Business must make at least one Bulk Payment in each of 2 calendar months, with at least one of those months within the Offer Period.

4.1 Cards are issued with the card issuance fee waived for Eligible Employees and Eligible Founders.

4.2 Each card is personal to the cardholder. It is issued in the cardholder's name, linked to their own nsave account, and is not a company card.

4.3 The card terms and conditions apply to every card issued under the Offer.

4.4 Card benefits (for example purchase protection, travel insurance, Visa Concierge, Luxury Hotel Collection and discounted airport lounge access) are provided by Visa or its partners, not by nsave. They are subject to Visa's own terms, eligibility rules, limits and exclusions, and Visa may change or withdraw them.

4.5 Card issuance is subject to approval by nsave and our card issuing partner. We may decline to issue a card to any person who does not pass our checks.

5.1 If the Eligible Business makes no Bulk Payment in a calendar month within 2 months of its first qualifying Bulk Payment:

• (a) cards already issued stay active; and
• (b) any fee waiver under this Offer ends, and standard card fees will apply.

5.2 If an Eligible Employee stops receiving Payroll Transfers from the Eligible Business, the same rule applies to that employee's card.

6.1 The cards and any fee waiver cannot be exchanged for cash, credit or any other product, and cannot be transferred to another person.

7.1 We may withhold, cancel or reverse the Offer for any business or person that we reasonably believe has:

• (a) made payments only to qualify for the Offer (for example, splitting one payment into several transfers, paying people who are not real employees or contractors, or sending money out and having it paid back);
• (b) given false or misleading information; or
• (c) breached the nsave Business terms, the nsave account terms or the card terms.

8.1 We may change, suspend or end the Offer at any time where reasonably necessary, including for legal, regulatory or fraud reasons or if our card issuing partner changes its terms. We will give notice on our T&Cs page and, where reasonable, by email. Cards already issued will not be cancelled because of such a change.

The promotion in these Terms is offered and operated exclusively by nsave. nsave provides them as an independent benefit to its cardholders and funds the cost. The card-issuing bank or financial institution that issues the Card (the "Card Issuer") does not sponsor, administer, endorse, or guarantee these promotions. The Card Issuer has no obligation or liability of any kind in connection with them. Any dispute or claim about these promotions or any cashback must be directed solely to nsave at support@nsave.com. Your Card account terms and conditions are governed by a separate agreement with the Card Issuer and continue to apply independently of these Terms.