IMPORTANT THINGS TO KNOW

• By using our Young Explorer card service you agree to these terms and conditions. If you don’t agree, you must not use this service.
• You should apply for a Young Explorer card if you are the parent or legal guardian of the Young Explorer user who will use it. You will be solely responsible for all transactions and activities associated with this card.
• If you suspect an unauthorised payment on the Young Explorer card, you must contact us without delay. Delayed notification could lead to liability for the entire payment amount.
• We might suspend or cancel your Young Explorer card if we think the Young Explorer card, your profile or Wise Account might be compromised, you engage in a restricted activity or we believe you may have or will violate any applicable laws.
• If you have a complaint about our Services, please follow our customer complaints procedure.

1. About these Terms

1.1. These Young Explorer terms and conditions (“Terms”) are exclusive to customers who use our Young Explorer card service as detailed in these Terms. By using this service, the parent or legal guardian (“you”) and Wise Payments Limited ("Wise/us/we") enter into a legally binding agreement defined by these Terms, which outline the rights and responsibilities of both parties.

The collection and use of personal data provided to us is governed by our Privacy Notice and Young Explorer Privacy Notice.

Our Customer Agreement, Wise Card Terms, Acceptable Use Policy, Fees and Pricing, and any other additional documents also apply to your use of this service. This includes all provisions regarding disputes, refunds, unauthorised transactions, and any other card-related matters. By activating and using the Young Explorer card, you agree to all relevant sections of these documents that apply.

These Terms will form part of the legal agreement between you and Wise. As the Wise Account holder, you are responsible for the Young Explorer card and for ensuring any use of the Young Explorer card service complies with these Terms.

1.2. How to contact us. You can contact us by email, web chat or telephone by logging into your Wise Account or through our Help Centre.

2. What is our Young Explorer card service

2.1. About the Young Explorer service. The Young Explorer card is a service connected to your Wise Account that enables you to order and manage a balance of a card for a child to whom you are a parent or a legal guardian (“Parent”). The Young Explorer card allows your child to spend from the shared group in your Wise Account (“Young Explorer service”).

2.2. You may only apply for the Young Explorer card service for children between the age of 6 - 17 years old (“Young Explorer user”).

2.3. Wise’s Young Explorer card service is currently available in the United Kingdom and only to Wise customers. There may be additional countries where this service is available and we may add additional countries at any time, without notice to you.

2.4. Use of the Young Explorer card service does not create a new Wise Account or a joint account with a Young Explorer user. The Parent remains the sole proprietor of the funds at all times. If the Parent’s Wise Account is suspended or closed in line with our Customer Agreement, the Young Explorer card will not be accessible.

2.5. About the Young Explorer card. The Young Explorer card is not a guarantee card, charge card or credit card. It is provided for personal use only and is not transferable or for resale. Wise reserves the right to cancel, repossess, or revoke the Young Explorer card at any time if you fail to comply with any of these requirements or request for information.

2.6. As a Parent you must have a Wise Account in your own name to apply for the Young Explorer card issued in the name of the Young Explorer user. You may apply for a maximum of five (5) children.

2.7. We may carry out checks to verify your identity or that of the Young Explorer user when you request a Young Explorer card. We may also request further information from you. If requested, you must promptly provide the required information in a format acceptable by us. Wise may conduct checks at any point during your and the Young Explorer user’s use of the Young Explorer card service.

2.8. Additional functionality. We may add or remove functionalities for the Young Explorer user at any time. We will provide you notice if the removal of a feature impacts the Terms in accordance with the prescribed notice period in the Customer Agreement.

3. Getting and Using the Young Explorer Card

3.1. Physical Young Explorer card. When you order a Young Explorer card, a physical Young Explorer card will be delivered to the address provided during the application process. A delivery fee may apply. It is your responsibility to ensure that the delivery address is accurate and secure. If you do not receive the Young Explorer card within the expected timeframe, please contact us for assistance through our Help Centre. Wise is not responsible for any delays or issues in delivery caused by incorrect or incomplete address information.

3.2. Replacement Cards. If you need to replace your Young Explorer card for any reason, please follow the instructions on our Website or App or ​contact Customer Support​. We will charge a fee for the replacement of the Young Explorer card.

Once the Young Explorer card is received, please follow the instructions provided to activate it. You can set the 4 digit PIN code for the card within the Wise App. You’re responsible for making sure that the Young Explorer user keeps the PIN safe. You can also see Young Explorer user’s details in the Wise App, and you’ll be able to view and change the card PIN.

3.3. Activity on the Young Explorer card. As the Parent, you remain fully liable for all transactions, activities, and usage of the Young Explorer card as if you had used the Young Explorer card yourself. By using the Young Explorer card, you agree that Wise will not be a party to, nor liable for, any claim or dispute that may arise between a Parent, Young Explorer user and any third party.

3.4. The Young Explorer card user does not have access to the Wise app and, therefore, cannot view any account information or manage account settings. You can always see all transactions done with the Young Explorer card and monitor any Young Explorer user spending patterns and transaction history through your Wise Account. You can enable notifications and alerts through the Wise app.

3.5. How to add money to your Young Explorer card. As the Young Explorer card is linked to and supported by your Wise Account, you can upload money by adding money from within your Wise Account or any available Pay-In Method to the Young Explorer card. For further information on how to do this, please refer to the Customer Agreement. You can also remove money from the Young Explorer card at any time.

3.6. Card restrictions. To maintain a safe and responsible environment for our Young Explorer card users, we have placed restrictions on certain transaction categories. These include age-sensitive products and services, such as, gambling services. We reserve the right to decline transactions made with the Young Explorer card if they fall under any of these restricted categories.

While we do our best to block unsuitable merchants, some inappropriate purchases might still go through depending on how the merchant has set up their business. Therefore you are responsible for checking the Young Explorer card spending. Once we've blocked a merchant category, this setting cannot be changed by you.

3.7. Adding cards to digital wallets. Users of the Young Explorer card may all be eligible to add the Young Explorer card as a payment method to Apple or Google Pay digital wallet (subject to Apple Pay or Google Pay’s terms and eligibility requirements). For complete control over card usage, we recommend freezing the Young Explorer card through the Wise App if you need to prevent purchases on the Young Explorer card.

4. Your responsibilities

4.1. The Parent rights and responsibilities. As the Parent and legal owner of the funds and the shared group associated with the Young Explorer card, you are responsible for it and all actions taken by the Young Explorer card user. We do not accept any liability for how or where Young Explorer cards are used or for any Young Explorer card transactions. You are also responsible for:

• a. Explaining to the Young Explorer user how to properly use the Young Explorer card in accordance with these Terms, including our Acceptable Use Policy before they begin using it;

• b. Ensuring that Young Explorer user understands the usage, limits, and terms associated with the Young Explorer card;

• c. Monitoring Young Explorer user's purchases and ensuring their spending aligns with your expectations and values;

• d. Managing the funds on the Young Explorer card to ensure the balance is appropriate for Young Explorer user’s needs while adhering to the account limits;

• e. Ensuring that the Young Explorer card(s) PINs are kept safe and if they get lost or stolen, freeze the Young Explorer card(s) and let us know right away;

• f. Contacting Wise customer support directly with any questions or issues regarding the Young Explorer card, as our support services are not currently available to Young Explorer users.

5. Limits

5.1. Spending limits. The Young Explorer card has a monthly default spending limit of 1,000 GBP per month. This includes when you make ATM withdrawals. You have the ability to adjust spending limits within the set default maximum limits. These limits are designed to help manage financial activity responsibly and apply to each individual Young Explorer card separately.

The spending limits for your Wise Account also apply to your Young Explorer card. This means if you reach the overall limit set for your Wise Account, the Young Explorer card may stop working even if its limit has not yet been reached.

5.2. Default limits. While we may offer you the ability to set spending limits, we reserve the right to add, increase, or decrease the default spending limit on your Young Explorer card from time to time. This is at our sole discretion and may be without notice to you except when required by law.

6. If something goes wrong

6.1. Lost or stolen card. If the Young Explorer card is lost or stolen, or if you think someone else knows your PIN or might misuse the Young Explorer card, card number, or PIN, you should immediately freeze or replace the Young Explorer card. You can freeze the Young Explorer card instantly through our App.

We recommend contacting Customer Support as soon as possible. If you find the Young Explorer card after reporting it as lost, stolen, or misused, please destroy it and let us know as soon as possible via Customer Support.

6.2. Disclosure of information to law enforcement authorities. We may disclose to law enforcement agencies any information which we reasonably believe may be relevant especially if the Young Explorer card is used without your permission, or is lost, stolen or if you suspect the Young Explorer card may be misused.

7. Turning 18

7.1. What happens when a Young Explorer user turns 18? The Young Explorer card can be used until the Young Explorer user turns 18. After their 18th birthday, the Young Explorer user will be invited to create their own Wise Account. Their new Wise Account will be subject to our Customer Agreement and will not include any transaction history related to their use of the Young Explorer card.

7.2. When the Young Explorer user turns 18 years old, there will be a 3-month grace period before their Young Explorer card is cancelled. You will no longer be able to order a new Young Explorer card for this user.

8. Canceling or stopping your use of Wise Young Explorer service.

8.1. When you can suspend or cancel the Young Explorer card. You can suspend the Young Explorer card by freezing it at any time. You can terminate the Young Explorer card service at any time by cancelling each Young Explorer card in the App. Before terminating the Young Explorer card, you must withdraw your funds.

8.2. When we can suspend or cancel your Young Explorer card. Along with closing or suspending your Wise Account, we can suspend or cancel the Young Explorer card, including if the activity on the Young Explorer card or Wise Account appears unusual, suspicious, fraudulent or may be associated with criminal activity or activity which is inconsistent with these Terms, the Customer Agreement or any applicable law.

Additionally, we may also decide to close the Young Explorer card for any of the reasons outlined in the ‘Limits on How You Can Use Our Services’ section of the Customer Agreement.

We will provide you notice if we need to pause or limit your access to your Young Explorer card as soon as we can, unless notifying you would be unlawful or compromise our reasonable security measures.

8.3. What happens to remaining funds? You must withdraw your funds from the shared group associated with the Young Explorer card before closing your Young Explorer card. If your Wise Account is closed with remaining funds on the shared group associated with the Young Explorer card, you may lose access to it, but you can still withdraw your money by contacting Customer Support. You have the right to do this for up to six (6) years from the date your Wise Account is closed.

8.4. What happens to account data? Your personal data and the Young Explorer user’s personal data will be retained only for as long as necessary to fulfill the purposes for which it was collected. As a regulated financial institution, Wise is legally required to keep certain personal and transactional data even after an account is closed. Typically, your account data will be retained for five (5) to ten (10) years following account closure. Once your account data is no longer subject to legal or jurisdictional obligations, it will be deleted automatically, without any action needed from you. For more information please check our Young Explorer Privacy Notice.

9. Other important legal terms

9.1. Beta features. Some features of the Young Explorer card service are in beta. This means they may not function as intended and Wise reserves the right to modify or discontinue such features at any time without notice. Wise provides beta features "as is" without any warranties, express or implied, including warranties of merchantability or fitness for a particular purpose. Wise does not warrant that beta features will be error-free, secure, or available at any particular time.

9.2. Severability. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

9.3. Applicable law. These Young Explorer card Terms are governed by the laws of England and Wales. Any dispute between you and Wise in connection with the Young Explorer card service and/or these Terms shall be brought in the courts of England and Wales.