Opening an account is entirely online and takes less than 5 minutes. Click "Open Account", fill in your personal details, upload a valid government-issued ID, and you'll receive confirmation once your identity is verified — usually within one business day.
For a personal account you need a valid government-issued photo ID (passport, national ID card, or driver's licence) and proof of address dated within the last 3 months (utility bill, bank statement, or tenancy agreement). Business accounts additionally require your certificate of incorporation and director details.
Domestic transfers are processed instantly during business hours (Monday–Friday, 8 am–6 pm). Transfers submitted outside these hours are queued and processed the next business morning. You will receive an in-app and email notification as soon as the funds are credited.
Navigate to Transfers → International in your dashboard. Enter the recipient's full name, IBAN or account number, SWIFT/BIC code, and the destination bank address. Review the exchange rate and fee summary, then confirm with your transaction PIN or biometric. International wires typically arrive within 1–3 business days depending on the destination country.
Yes. All customer deposits held with Torvance Trust Union are secured under industry-standard 256-bit AES encryption. Funds are held in segregated accounts with licensed banking partners. We also maintain additional coverage through our institutional insurance policy for balances up to the applicable limit.
Personal current accounts are completely free — no monthly maintenance fee and no minimum balance requirement. Domestic transfers are free. International transfers carry a small flat fee plus the mid-market exchange rate with a transparent spread disclosed before you confirm. A full fee schedule is available in your account Settings → Fees.
Once your account is verified, go to Cards → Request Virtual Card in your dashboard. Your card number, expiry date, and CVV are generated instantly and ready to use for online purchases. You can freeze, unfreeze, or permanently delete the card at any time directly from the app.
Immediately freeze your card via the app (Cards → Freeze Card) to prevent further transactions. Then contact our 24/7 support team via live chat or email. Our fraud team will review the disputed transactions, file a chargeback where applicable, and guide you through securing your account and issuing a replacement card.
Yes. Your account supports multi-currency wallets. You can hold, send, and receive funds in major currencies including USD, EUR, GBP, and more. Currency conversion uses the live mid-market rate with a small transparent spread. Switch between currency wallets instantly in the app with no separate application required.
Go to Products → Loans in your dashboard and select "Apply Now". Complete the application form, including your desired amount, repayment tenor, and purpose of the loan. Our system performs an automated credit assessment and typically returns a decision within minutes. Approved funds are disbursed directly into your account the same business day.
On the login screen tap "Forgot Password" and enter your registered email address. You'll receive a secure reset link valid for 15 minutes. For your transaction PIN, go to Settings → Security → Change PIN inside the app and verify your identity using biometrics or a one-time code sent to your phone number.
You may request account closure at any time by contacting our support team via live chat or email. Before closure, ensure your balance is zero and all pending transactions are settled. We will confirm the closure within 3 business days and send a final statement to your registered email address.
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