190+ Countries | Social Good | Loyalty Equity*
The Power Behind Your Purpose
With Torch, nothing changes.
Yet everything is different.
The Familiar Way to Create Impact.
Use your Torch Card anywhere Visa is accepted—from your morning coffee to your global travels. No new habits, no extra steps. You simply pay as usual. Except now, every transaction carries a purpose.
Step 1 - Access
Free Torch App. Instant Onboarding.
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From rent and groceries to everyday spending, every transaction appears instantly in your app with real-time push notifications.
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An intelligent dashboard automatically categorizes your spending, helping you track your finances with zero hidden maintenance fees.
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No surprise charges. No complicated systems. Just a smarter, completely free way to manage your money.
Your money should move as fast as your life does.
Step 2 – Control
Modern tools for everyday financial management.
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From rent and groceries to everyday spending, every transaction appears instantly in your app with real-time push notifications.
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An intelligent dashboard automatically categorizes your spending, helping you track your finances with zero hidden maintenance fees.
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No surprise charges. No complicated systems. Just a smarter, completely free way to manage your money.
Your money should move as fast as your life does.
Step 3 – Choice
No donations. No extra costs. Just pure impact.
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Torch operates on a zero-cost impact model. This is not a donation system; there are no deductions from your balance.
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The social impact created does not cost you a penny. We fund the impact ourselves by sharing our profits, generated from your transactions
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You simply use your free Torch card as usual - while our system works in the background to convert our profit into social good.
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High-standard banking meets radical transparency: Real-world impact at zero real-world cost to you.
The most powerful impact is the one built into everyday life.
Step 4 – Impact
Support what matters to you at no additional expense.
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Select the causes you want to support: from women’s empowerment and education to climate action and cancer research.
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Your choices trigger our contributions. You can update your selections anytime through a flexible, dynamic system.
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Through the Impact Dashboard, track the collective change created by the Torch community without ever opening your wallet for a donation.
Because how we spend quietly shapes the world around us.
Freedom Built In
Complete control. No lock-ins.
Torch is designed to deliver a seamless, high-performance banking experience — without limiting your freedom.
You are never locked into the platform.
If you ever decide to pause your journey with Torch, you can cancel your membership instantly through the app.
No penalties.
No hidden conditions.
No unnecessary friction.
Your financial independence always comes first.
But every Torch card in use also creates impact.
Through our interchange-sharing model, everyday transactions automatically help support social causes — without additional cost to you.
If you pause your membership, that stream of automated support simply pauses with it.
Which means your presence doesn’t just power your finances.
It helps power something bigger.
Transparency by Design.
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.
Is my money safe?
FCA-Regulated Safeguarding & Tier-1 Security
Your funds are never used for Torch’s operational expenses, lending, or interest-bearing activities. Instead, they are held in dedicated, FCA-regulated safeguarding accounts within Tier-1 UK banks. This ensures your capital is legally isolated, protected, and accessible only by you. We combine this regulatory rigor with 256-bit encryption and MFA for impenetrable digital security.
Can I cancel anytime?
Yes. We believe you should stay because you want to, not because you have to. You can cancel your monthly subscription at any time instantly via the app, with no hidden penalties or lock-in contracts.
How do I select my chosen non-profit and find Torch-partnered shops?
You can select your preferred non-profit directly from the curated list within the Torch app; if your chosen organization isn't listed, simply enter their name to let us know. Partnered local businesses can be found through our website's directory or by looking for the Torch Partner logo displayed at shop entrances. If there are no Torch partners in your local area yet, please feel free to let the business know they should join the Torch ecosystem!