Arz Bank lets you top up a wallet, get virtual Visa or Mastercard cards, add them to Apple Pay and Google Pay, and buy gift cards. You do all of it from the web panel at platform.arzbank.com and the mobile app at pwa.arzbank.com.
Use the service for yourself and for lawful purposes only. If any part of these terms isn't clear, ask us before you use it; we're happy to explain.
You need an account to use Arz Bank. The details you give when signing up must be accurate and your own, and you should keep them up to date.
- One person, one account. Don't sell, lend or share your account.
- Keep your password and email access secure. Anything done from inside your account counts as done by you.
- To keep your account safe, we may sometimes ask you to confirm some details.
Your wallet is your account's main balance. You top it up with the methods active in the panel, for example USDT or other stablecoins, and then use that balance to load cards or buy gift cards.
- Send only to the address and on the network the panel shows. Deposits to the wrong address or on the wrong network may not be recoverable.
- Your balance is credited once the transaction is confirmed on the blockchain.
- Your wallet balance is for using Arz Bank services. It isn't a bank deposit and doesn't earn interest.
Arz Bank cards are virtual and prepaid: you spend the balance you put on the card, with no credit or loan involved. Each card's network, limits and features are listed on its own page.
What you can use them for
- Shopping on websites and apps, and paying for subscriptions and online services
- Paying with Apple Pay or Google Pay, on cards that support it
- Personal spending, or spending for your own business
What isn't allowed
- Any illegal purchase or activity
- Fraud, using someone else's identity or card details, or abusing chargebacks
- Selling or renting out your card or account
- Rapid or automated test transactions to probe the card
Freezing and closing cards
You can freeze or unfreeze a card from the panel or app at any time. If we see suspicious activity or these terms are broken, we may limit, freeze or close a card, and we'll tell you why whenever we can. If a card is closed, we'll work out its remaining balance with you.
Each card's costs, meaning the issue fee, monthly fee and top-up fee, are listed on its page. You also see the final amount of every payment in the panel before you confirm, and nothing is charged until you do.
If a fee changes, we'll announce it in the panel before it applies. Charges that merchants or other services add on their side are outside our control.
Gift cards are priced by country, and each code works only in its own country and under that brand's own rules.
- A delivered code is final; it can't be returned or exchanged.
- Before buying, check the brand, country, amount and that it matches your account region.
- Redemption, expiry and any restrictions are set by the brand itself.
- If a code doesn't work, open a ticket quickly with your order details and we'll follow up.
We protect your cards and account with tools like 3D Secure, instant freezing and checks for suspicious activity. Part of security is in your hands, though:
- Never share your password, verification codes or card details, not even with someone who says they're from Arz Bank.
- Sign in from devices and connections you trust, and always sign out on shared devices.
- If you see a payment you don't recognize, freeze the card and open a ticket right away.
We work to keep the service available at all times. Still, part of it may pause now and then, for maintenance or because of something outside our control, such as an outage at a card network, a merchant or a mobile wallet.
We may change features, cards or these terms. We'll tell you about important changes in the panel or by email before they apply, and the last-updated date is always at the top of this page. Continuing to use the service after a change means you accept the new version.
You can stop using Arz Bank whenever you like and ask us to close your account by opening a ticket. Before that, it's best to spend your card balances and move any subscriptions linked to your cards to another payment method.
If these terms are seriously broken, for example through fraud or abuse, we may restrict access to your account or close it. Either way, we'll contact you about any remaining balance.
Questions about these terms? Ask whichever way suits you. For anything about your account, a ticket is the fastest way.