Documents & Compliance
At Torch Visa Card, we believe in complete transparency. Financial technology should be a force for good, and that starts with being entirely open about how we protect your money and manage our services.
Regulatory Disclosures & Account Documents
Below you will find all the official legal agreements, fee structures, and regulatory documents associated with your Torch account. These documents outline our commitments to you, your rights as a customer, and the industry-standard security measures we deploy to keep your transactions safe.
Please click or download the relevant files below to review them before or during your account usage.
Fee Information Document
A standardized summary of all fees and charges linked to your main GBP account services.
DownloadGlossary of Terms
Plain-English definitions of the financial and technical terms used across our platform agreements.
DownloadVisa secure FAQ for issuers
How your online shopping is automatically secured using Visa’s dynamic identity check protocols.
DownloadOrenda Platform Agreement
The primary legal framework governing your financial account infrastructure and usage terms.
DownloadFraud Reimbursement Rules
Clear conditions on how we protect your funds and handle reimbursements in case of unauthorized activity.
DownloadVisa FX Calculator
Check live wholesale exchange rates for international spending. Torch charges 0% bank fees.
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