The Power Behind Your Purpose
Redefine What Your Money Can Do.
Transform Loyalty into Ownership.
Forget useless points; focus on true ownership. Torch users unlock a new Torch Equity allocation* every 12-month active membership period, with no extra fees. Witness your daily expenses turn from a cost into a stake in our shared future.
* Torch Equity is a loyalty reward, not a guaranteed investment. Capital at risk. Terms & Conditions apply.
Excellence is Just the Beginning
Empower change with every spend.
Technology defines the card; purpose defines the holder. We support your chosen nonprofit with 50% of our profits, at no extra cost to you. Simply live your life, and let Torch turn your spending into a force for good. Excellence is that simple.
The Torch Roadmap: Your 12-Month Journey to Ownership.
The Black Card - Day 1
Not just a status symbol, but a robust financial tool. Accepted worldwide at millions of locations. Enjoy instant transaction notifications, freeze/unfreeze security, and seamless contactless payments. No hidden FX fees, ust pure spending power.
Impact Unlocked - Month 6
Consistency is rewarded. You unlock "Torcher" status. The Impact Lock opens, allowing you to select a specific nonprofit partner. You don't pay extra; you simply direct where our future donations will go.
Ownership Realized - Month 12
The circle is complete. You receive your Torch Equity* (shares) as a loyalty reward. Simultaneously, we begin transferring 50% of the revenue generated from your activity to the cause you selected. You are now a stakeholder.*
* T&Cs and vesting apply. Capital at risk.
The Torch Ecosystem
The Traditional Path
Banks profit. You simply spend.
A Depleting Balance.
You stay loyal, Your Future Wins.
You spend, Society Wins
Amina T.
Torch Champion Member
Switching to Torch Card transformed the way I think about everyday spending.
It’s not just about transactions anymore — every payment I make now contributes to real social impact. Seeing my spending support causes like women’s rights and environmental charities I deeply care about makes me feel genuinely connected. It’s effortless, transparent, and deeply rewarding.
Torch Card vs Other Cards
The Reward
Company Equity (Ownership)*
Fleeting Points & Miles (Other Cards)
The Impact
Automated (50% of Profits)
Symbolic - Do It Yourself (Other Cards)
Hidden Fees
100% Transparent
Hidden FX & Fees (Other Cards)
Monthly Cost
£9.90/mo
Avg. £19-£50/mo (Other Cards)
End Of Year
You own a part of the Fintech
You Spend Money (Other Cards)
Frequently Asked Questions
Trust is our most valuable currency. Here are straight answers to the questions we get asked the most. For more questions, please visit our full FAQ page.
What is Torch Card?
Torch is a next-generation, purpose-driven fintech payment card built on the Visa infrastructure. Unlike traditional and digital banks, we redirect 50% of our revenue to nonprofits and reward our users with company equity.
How do I support a Nonprofit Organization with Torch?
ou simply use your Torch Card for daily expenses like coffee, rent, or groceries. Your impact journey unlocks at Month 6allowing you to select a cause, and at Month 12, we transfer half of our revenue to that organization, all with no extra cost or effort from you.
How can my organization become a Torch Partner?
Our ecosystem is inclusive and barrier-free. Whether you are a global NGO or a local initiative, you can join our partner program by simply verifying your legal status. Apply via our website to start effortless fundraising through our community.
How do I receive my equity (shares) in Torch?
Equity is a reward for customer loyalty. By maintaining your Torch membership (£9.90/mo) and using your card actively (min. £300/mo spend) for 12 months, you unlock eligibility to become a shareholder. This transforms you from a customer into a stakeholder, ensuring the value we build is shared with you.
Get inspired by stories that drive change. Visit the Torch Blog today.
Risk Disclosure & Important Information
Equity Reward Notice: The Torch Equity programme offers shares as a loyalty reward, not as a direct investment product. However, holding shares in an early-stage company carries risks. The value of your reward can go down as well as up. Please be aware that these shares are not currently listed on a public exchange (illiquid), meaning you may not be able to sell them immediately. Ownership rights are subject to the completion of the 12-month subscription term. Terms & Conditions apply.