Consumer Rights and Responsibilities

Your rights when executing payments in Europe?

–– Cross-border euro payments among EU countries cost the same as domestic payments in Euro.

– International payments in Euro from non-Euro area countries cost the same as domestic payments in national currency. Therefore, the fee for withdrawing cash from an ATM should be the same both in your country and in another Member State.

-We recommend that you check your transaction history and balance regularly. If you notice an error in a Card transaction or a transaction you do not recognise, you must notify Customer Support without undue delay and in any event within thirteen (13) months of the transaction debit date. We reserve the right to refuse a refund where you fail to notify us within thirteen (13) months of the date of the debit transaction. We may request that you provide additional written information concerning any such Card transaction on our dispute form which we will make available to you when you notify us of an unauthorised transaction. 

-You are responsible for all authorised transactions on the Card. Your maximum liability is for the first €60 of losses arising from any unauthorised transactions that take place prior to your notifying us of loss, theft or misuse. You will not be held liable for any further losses once you have notified us of unauthorised transactions unless we reasonably determine that you acted fraudulently or with gross negligence (in which cases you shall be liable for all losses). We will block the Card to protect your funds once you have advised us of any unauthorised transactions and we may also block the Card Account.

– If you use direct debit services (you have authorized the payee to initiate payments from your payment account periodically), you have the right to contest any incorrect charge within 8 weeks. Any funds that have been debited incorrectly must be returned to you within 10 business days.

– You have the right to know whether and what commission fees apply to you when making payments.

– Whenever you pay with our payment card that has been issued in the EU, the merchant cannot charge you any additional fees.

–Should you experience problems with our payment services or any other issue, please let us know, and we will take care of your issue as soon as possible though latest, within 15 business days.

Before you continue, please confirm that you have read:

 

Dear Valued Customers, Partners, and Friends,

We want to inform you that our current banking partner is going through an organizational transition, which involves a shift to a different financial institution. This transition is expected to take place over the coming months. While these changes are beyond our direct control, we want to assure you that SikiraPay remains stable and deeply committed to serving you. Our top priority is to maintain service continuity and ensure the best possible experience for all our users during this time.

What this means for you:

During the transition period some users may temporarily experience limited access to their accounts and cards until the process is fully completed. Additionally, new account registrations are currently unavailable while our partner finishes the final stages of the transition. These are short-term challenges that our team is actively monitoring and addressing, with a strong focus on minimizing disruptions and maintaining a reliable user experience.

Our focus at SikiraPay:

We are using this moment as an opportunity to improve everything we offer. Over the next few months, our team will work diligently to optimize our website, enhance the functionality of our mobile app, and develop innovative solutions to enrich your everyday banking experience.

Our goal is to make your interactions with SikiraPay even faster, safer, and more intuitive.

Looking ahead:

We’re excited about what lies ahead. In the near future, we will unveil an upgraded digital banking experience featuring:

– A clean and intuitive app design

– Innovative financial tools

– Transparent and fair pricing

– And a few pleasant surprises we can’t wait to share with you

Thank you for your trust:

We understand that changes like these can create a sense of uncertainty, but we want to reassure you that every step we take is thoughtful, responsible, and focused on building a stronger SikiraPay for the future.

We sincerely appreciate your patience, understanding, and continued trust. We will keep you informed and share important updates with you in a timely manner.

Warm regards, 

The SikiraPay Team