Forget Gold. Forget Platinum. The Torch Black Card is the only tier that matters—every premium benefit, unified in one powerful card.
We believe transparency has a price, and hidden costs are never free.
Many models limit flexibility or rely on complex fee structures. We chose a different path. With Torch, one clear membership fee unlocks unlimited freedom and rewards long-term loyalty with real alignment.
Ownership & Philosophy.
Customer Status
Partner & Shareholder
User / Customer ID (Other Cards)
Equity Reward
Loyalty equity aligned with
long-term participation
None. (Other Cards)
Profit Allocation
50% Donated to Your Chosen Cause
100% Retained by Bank (Other Cards)
Voice
Community Voting Rights
None. (Other Cards)
Business Model
Clear, upfront pricing & Member-first model
Fees, Upsells & Cross-selling (Other Cards)
Premium Card Access
Included in £9.90 Plan
Requires ~£15/mo Plan (Other Cards)
Card Delivery Fee
Free Priority Delivery
£4.99 - £19.99 (Often charged- Other Cards)
Replacement Card
Free Replacement
£5.00 + Delivery Fee (Other Cards)
Membership Structure
One Transparent Partnership
Tiered Confusion (Other Cards)
The "Catch"
Unlocked Core
Gated Features (Other Cards)
Foreign Transaction Fee
0% Fees (Fair Usage)
0% up to £1,000, then 2% Fee (Other Cards)
Weekend FX Markup
0% Surcharge (Real Rate 24/7)
1% Surcharge Market Closed Excuse
(Other Cards)
ATM Withdrawals (UK)
High Fair Usage Limits
Often Capped or Limited Trans.(Other Cards)
Faster Payments (UK)
Free & Instant
Free (Other Cards)
International Transfers
Low Flat Fee (Pass-through cost)
Fee + Exchange Rate Markup (Other Cards)
Direct Debits
Included & Easy Manage
Included (Other Cards)
Declined Payment Fee
Never Charged
Sometimes Charged (Other Cards)
App Interface
Clean, Focused, Ad-Free
Upsell Pop-ups "Upgrade to Premium"
(Other Cards)
Customer Support
Human Partner Support
Chatbots / Long Wait Times (Other Cards)
Priority Queue
All Members are Priority
Paid Users Only (Other Cards)
Card Freeze/Unfreeze
Instant In-App Control
Included (Other Cards)
Exchange Rate
Interbank / Real Market Rate
Variable / Bank Rate (Other Cards)
Value Direction
Value flows from Growth -> You
Money flows from You -> Bank(Other Cards)
Comparison based on competitor standard/paid plans as of Jan 2026. Torch 'Loyalty Equity' is a reward mechanism, not an investment. Capital at risk.
The Torch Standard
✔ Clear, upfront pricing
✔ Member-first operating model
✔ Unlimited access to core features
✔ Loyalty equity aligned with long-term participation
✔ Funds held in segregated accounts
✔ Premium support designed for members
✔ Built for transparency and long-term trust
Still have questions?
Questions about pricing, ownership, or fund safety? We believe trust starts with clarity. Here are the essentials. For more questions, please visit our full FAQ page.
Is the equity ownership real?
Yes. Success should be shared, not just extracted. Through our Loyalty Option Scheme, you earn a genuine stake, structured to reward long-term contribution and aligned with applicable regulations.
Why don't you offer a free plan?
We don’t offer a free plan because we believe transparency starts with pricing. Our membership fee reflects the real cost of delivering a premium, sustainable service—without hidden trade-offs. This allows us to focus entirely on long-term value, not short-term monetization.
Is my money safe with Torch?
Absolutely. Your funds are safeguarded by design. As a fintech, we do not lend your money for profit like traditional banks. Instead, 100% of your funds are held in segregated accounts at Tier-1 banks, in accordance with applicable financial regulations.
