Networking happens naturally at our informal monthly meetings. You will have the chance to build strong relationships with other members, key decision makers and the constant stream of visitors. If there’s a business in the Capital Club area that you want to do business with, there’s every chance one of our members knows them and could help to introduce you.


Teaming up with like-minded businesses
At our meetings you will have the chance to get to know, and gain the trust of, businesses that complement the services and products you already offer. These strategic alliances will allow you to pitch for business opportunities for which you could not compete alone. Many businesses promote each other to their respective customer databases after meeting through Capital Club.

  • This Account Opening process will take no more than 5 minutes
  • Choose between SEK, EUR, GBP, and USD currency for your card
  • You will receive your Exodus Card in 5 to 10 days
  • We do NOT conduct a Credit Check, it is an ID verification only
  • You must be a Capital Club Member

Cardholders fees

Cardholder Fees

Fee Category Fee Type Fee Frequency Amount
Set Up: Account /Activation Fee Yearly  300 SEK $32.00 €30.00 £28.00
Monthly Service Fee monthly $1.00 €1.00 £1.00
Get Cash: ATM Transaction (Domestic)* Per transaction $2.50 €2.25 £1.75
ATM Transaction (International)* Per transaction $3.50 €2.75 £2.25
Spend Money: Association transaction Per transaction $0.00 €0.00 £0.00
Foreign Currency Conversion Per transaction 3.00% 3.00% 3.00%
Card to Card Transfer (P2P) Per transaction $0.25 €0.25 £0.25
Information: IVR Per call $0.00 €0.00 £0.00
Card Balance at ATM* Per transaction $0.00 €0.00 £0.00
Other: Shipping from UK per occurrence $0.00 €0.00 £0.00
PIN change fee per request $1 €0.80 £0.60
Redemption of unused funds per request $10 €10 £10
Card replacement per occurrence $9.00 €8.00 £6.00
Load Fees Original Credit Load Fee Per transaction 1.99% 1.99% 1.99%

*You may also be charged a fee by the ATM operator or ATM network (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Cardholders load limits

Cardholder Load Limits 1

Loading     Simplfied Due Diligence
KYC Level 1*
Verified Account
KYC Level 2
  Limit Type Frequency USD EUR GBP USD EUR GBP
Load from Corporate Partner Count Per Day 2 2 2 No Limit No Limit No Limit
Amount Per Transaction $2,500 €2,500 £2,000 $10,000 €10,000 £8,000
Amount Per Day $2,500 €2,500 £2,000 $20,000 €20,000 £16,000
Real Time Bank Transfer via Online Payment Provider
(if available)
Count Per Day

Not Permitted

2 2 2
Amount Per Transaction $500 €500 £400
Amount Per Day $500 €500 £400
Fast Bank Transfer /
Direct Load from Bank
(if available)
Count Per Day

Not Permitted

2 2 2
Amount Per Transaction $5,000 €5,000 £4,000
Amount Per Day $5,000 €5,000 £4,000
Capital Club Card to Capital Club Card (P2P) Count Per Day 2 2 2 5 5 5
Amount Per Transaction $100 €100 £100 $1,000 €1,000 £1,000
Amount Per Day $200 €200 £200 $2,000 €2,000 £1,600
Load via Visa Direct or MasterCard MoneySend Amount Per Transaction

Not Permitted

$5,000 €5,000 £4,000
Amount Per Day $5,000 €5,000 £4,000
Maximum Total Loads (All Channels) Amount Per Transaction $2,500 €2,500 £2,000 $10,000 €10,000 £8,000
Amount Per Day $2,500 €2,500 £2,000 $20,000 €20,000 £16,000
Amount Lifetime $2,500 €2,500 £2,000 No Limit No Limit No Limit

1 Residents of France hold a Verified Account (KYC2 only) and are limited to a maximum balance of €10,000.

Cardholders spend limits

Cardholder Spend and Usage Limits 2


Simplfied Due Diligence
KYC Level 1

Verified Account
KYC Level 2

Limit Type Frequency USD EUR GBP USD EUR GBP
Purchases Amount Per Transaction $1,000 €1,000 £800 No Limit No Limit No Limit
Amount Per Day $1,000 €1,000 £800 No Limit No Limit No Limit
ATM Cash Withdrawal Count Per Day 2 2 2 5 5 5
Amount Per Transaction $200 €200 £160 $1,000 €1,000 £800
Amount Per Day $400 €400 £320 $2,000 €2,000 £1,600
Capital Club Card to Capital Club Card (P2P) Count Per Day 2 2 2 5 5 5
Amount Per Transaction $100 €100 £100 $1,000 €1,000 £800
Amount Per Day $200 €200 £200 $2,000 €2,000 £1,600
Bank Transfer (Card to Bank) Count Per Day

Not Permitted

2 2 2
Amount Per Transaction $5,000 €5,000 £4,000
Amount Per Day $5,000 €5,000 £4,000
Maximum Total Unloads
(All Channels)
Amount Lifetime $1,000 €1,000 £1,000 No Limit No Limit No Limit

2 Residents of France must have a Verified Account (KYC2 only) and are limited to a maximum ATM Cash Withdrawal of €1,000 per 30 days.


1. Definitions

‘Account’ – The electronic account associated with your Card.

‘Accountholder’ – You, the individual entering into this Agreement with us.

‘Agreement’ – This Accountholder Agreement as amended by us from time to time.

‘Application’ – Your application and the personal data you submit to become an Accountholder.

‘Association’ – Mastercard International.

‘Available Balance’ – The value of electronic money loaded onto your Card and available for use.

‘ATM’ – An automated teller machine or cash dispenser bearing the Association or Network acceptance marks.

‘Card’ – Any MyChoice Prepaid Mastercard® card issued to you under this Agreement.

‘Card Number’ – The card number on the front of your Card.

‘Card Support team’ – The means for dealing with queries and requests for services in relation to your Card. Contact details for Card Support team can be found in paragraph 20.

‘e-money’ – The electronic money associated with your Account and Card.

‘Fees & Limits Schedule’ – the schedule to this agreement (as amended from time to time) incorporated into this agreement by virtue of paragraph 11 of the Agreement detailing the fees and charges associated with the operation of the Account and the use of the Card.

‘Interactive voice response (IVR) ‘ – A telephonic service to provide for the activation of your Card and general support to Accountholders.

‘Merchant’ – A retailer, or any other person, firm or corporation that accepts Mastercard® Cards which display the Mastercard® acceptance mark.

‘Password’ – The secret word or set of characters created by you to gain access to the Website.

‘Program Manager’ – The entity providing marketing services related to the card on behalf of the Issuer, Wave Crest Holdings Limited.

‘PIN’ – A personal identification number for use with the Card to authorize a Transaction.

‘Transaction’ – A retail sale or refund, a cash advance, an ATM cash withdrawal, a bill payment or other payment to a third party using Your Card, a transfer of value to another Card or the loading of monies onto a Card, or any other transaction completed by you using your Card.

‘we’, ‘us’ or ‘our’ – Wave Crest Holdings Limited, a company registered in Gibraltar number 101302 whose registered office is 57/63 Line Wall Road, Gibraltar. Wave Crest Holdings Limited licensed by the Financial Services Commission of Gibraltar license number FSC0056BNK.

‘you’, ‘your’ – The Accountholder.

‘Website’ –

2. Scope of this agreement

2.1 Your Card is an e-money prepaid card regulated by the Gibraltar Financial Services Commission. The Card does not constitute a checking, savings or other bank account and is not connected in any way to any other account you may have. This is not a credit, charge, or debit card.

2.2 Your Card has been issued by us in accordance with a licence from the Association or its affiliates. Your Card is our property and is not transferable to anyone else. Your rights and obligations relating to the use of this Card are subject to this Agreement between you and us; you have no rights against the Association or its affiliates. If you experience any difficulties in using the Card you should contact the Card Support team. The e-money associated with this Card is provided to you by us, and will be denominated in the base currency which you choose (see paragraph 11). The Card remains our property and must be destroyed or returned upon request.

2.3 These terms and conditions are written and available only in English and we undertake to communicate with you in English regarding any aspect of your Card.

3. Purchase, receipt and activation of cards

3.1 You may only apply for one Card at any one time and the Card cannot be used on a corporation’s behalf. The Card is not transferable and shall only be used by you strictly in accordance with this Agreement.

3.2 We will issue your Card to you on the basis of the information provided in your Application. You agree to provide accurate personal information and to tell us of any changes as soon as possible so that our records remain correct. You should update any changes to your personal information via the profile link at the Website. If you wish to load your Card with more than 2500 EUR (or foreign currency equivalent), we require you to provide us with additional personal information to meet regulatory “know your customer” (“KYC”) requirements. Your Card limits are governed by your KYC level (see paragraph 11). You may increase your limits and Card functionality at any time by providing us your KYC documentation. You can email a copy of your unexpired government-issued identification and a recent utility bill bearing the same address as your registered address with us to Once these documents are received and verified we will upgrade your KYC level. Additional verification data may be required.

3.3 If we are unable to satisfactorily verify your identity from information provided in your Application, we will not be able to process your Application until further information is collected and verified.

3.4 Your Card will be posted to the address you designate, or designated on your behalf, in your Application. You should ordinarily receive your Card within approximately 5-10 business days of Application.

3.5 When you receive your Card, you must sign it immediately.

3.6 You may use your Card to make cash withdrawals. You will need a PIN for ATM withdrawals and to authorise any CHIP-based retail sales Transactions.

3.7 When you call the IVR to activate your Card by providing your Card Number, CVV number and date of birth, we will activate your Card and provide you with a PIN for use with your Card. You should never reveal your PIN to anybody. We will not reveal your PIN to a third party. If you forget your PIN you can reset it by contacting the Card Support team. Please note we will need to verify your identity to make this change. For security purposes, you must keep your PIN secure and separate from your Card or any record of your Card number. Failure to do so will be treated as gross negligence and will affect your ability to claim any losses and may render you liable for applicable losses to your Account.

3.8 You can change your PIN at ATM cash machines displaying the Mastercard® acceptance mark. When you change your PIN, you must not select a PIN that may be easily guessed, such as a number that (a) is easily associated with you, such as your telephone number or birth date; (b) is part of data imprinted on the Card; (c) consists of the same digits or a sequence of running digits; or (d) is identical to the previously selected PIN.

4. Use of cards

4.1 Your Card can be used at any Merchant who accepts Mastercard (fees & limits apply apply, see paragraph 11), but no guarantee is provided that every Merchant will accept your Card for a given Transaction.

4.2 Cards can be used to make cash withdrawals at ATMs bearing the Mastercard® acceptance marks or at participating banks to make cash advance withdrawals (fees apply, see paragraph 11) up to the amount specified for your particular card (see paragraph 11 and the Fees and Limits Schedule). Please note some Merchants or ATMs may have lower limits than those permitted under this Agreement. Please note that extra ATM fees in addition to those shown at paragraph 11 may be charged by certain ATM providers.

4.3 Your Card is a prepaid card, which means that the Card’s Available Balance will be reduced by the full amount of each Transaction and authorisation, plus any taxes and charges that are applicable including any additional ATM charge if any (the ‘Full Deductible Amount’). The Full Deductible Amount must be less than or equal to the Available Balance on your Card. You must not use your Card if the Full Deductible Amount exceeds the Available Balance or after the expiry date of the Card. If, for any reason, a Transaction is processed for an amount greater than the Available Balance on your Card, you must repay us the amount by which the Full Deductible Amount exceeds your Available Balance within 14 days of receiving an invoice from us. Should you not repay this amount within 14 days of receiving an invoice from us we reserve the right to take all steps necessary, including legal action, to recover any monies outstanding.

4.4 You can check your Available Balance by contacting the Card Support team, logging into the Website, or calling the IVR; fees may apply.

4.5 Due to security safeguards, Merchants that accept your Card are required to seek authorisation from us for all Transactions. There are some circumstances where Merchants may require you to have an Available Balance greater than the value of the Transaction you wish to make; however, you will only be charged for the actual and final value of the Transaction you make. Merchants request this as they may need to access more funds than you initially planned to spend. For example:

4.5.1 Hotels and rental cars – As Merchants may not be able to accurately predict how much your final bill will be, they may request an authorisation for funds greater than your Available Balance.

4.5.2 Restaurants – You will need to have an Available Balance equivalent to the total cost of the meal plus up to 20%. This is to accommodate any service charge that could be added to your bill.

4.5.3 Internet Merchants – Certain Internet Merchant sites will, on registration or at checkout stage, send a request for payment authorisation to verify that funds are available; this will temporarily impact your Available Balance. Also please bear in mind that many sites won’t deduct payment until goods are dispatched so please be aware of these variances on cleared funds when checking your balance and ensure that funds are always available to cover your purchases.

4.5.4 In-flight purchases – Merchants may not be able to authorise your Transaction if they cannot obtain an online authorisation from us. Examples include on-board cruise or train charges and some in-flight purchases.

4.5.5 Membership or subscriptions – Please ensure that you always have sufficient Available Balance on your Card if you use it to make recurring charges, such as memberships or subscriptions.

4.6 Self service petrol pumps – Your Card cannot be used at self service petrol pumps. You can use your Card to pay by taking it to the cashier.

4.7 The Available Balance on your Account will not earn any interest.

4.8 We may request you to surrender the Card at anytime for a valid reason in accordance with the provisions of paragraph 15 of this Agreement. Where we do so, we will give you back your e-money in accordance with paragraph 7 of this Agreement (free of redemption fee charge).

4.9 If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds. The amounts credited to your Card for refunds may not be available for up to five (5) days from the date the refund transaction occurs.

4.10 Restrictions and Prohibited Transactions. We reserve the right, in our sole discretion, to add categories of prohibited transactions by adding such categories either to this Agreement or an acceptable use policy published on the Website.

4.10.1 It is strictly forbidden to use your Card for any illegal purposes including but not limited to fraud and money laundering. We will report any suspicious activity to the relevant law enforcement agency. You are prohibited from using your Card in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a Merchant on the services it provides.

5. Loading funds to your card

‘IBAN’ – an International Bank Account Number that is attached to a Card and enables the transfer of funds to that Card from a Bank Account.

5.1 Your Card is a payout card tied to an account directly or indirectly established by an employer or other such corporate payor (each, a “Payor”) on behalf of a consumer to which electronic funds transfers of the consumer’s wages or other compensation are made on a recurring basis, whether the account is operated or managed by the employer, a third-party payout processor, or a depository institution. Only funds from a Payor may be loaded to your Account In case of errors or questions about the funds loaded to your Account, contact your payout provider.

5.2 Deposits to your Account from your Payor will be made available on the payout file clearing date. You authorize your Payor and us to recover any funds erroneously added to your Account. If an authorized addition to your Account has an error or if you require additional information regarding funds added or loaded, you must contact your Payor immediately. You should keep track of the amount of funds loaded to your Account. You are responsible for reporting to all applicable government tax authorities, all earnings received and loaded to your Account and the payment of any applicable local, national, or international taxes that apply to such earnings.

5.3 Notwithstanding the effect of clauses 5.1 and 5.2 above, where we provide you with an IBAN you shall be permitted to use the IBAN to load your Card from your own bank account. The IBAN shall be issued via us by a third party and shall be subject to any restrictions imposed by that third party as communicated by us from time to time.  Failure to comply with said restrictions may result in the immediate withdrawal of the IBAN.

5.4 We reserve the right to suspend or terminate the right to load funds to your Card at anytime without notice.

6. Card expiry

6.1 The expiry date of your Card is printed on the front of the Card. You will not be able to use your Card if it has expired. Unless otherwise advised a renewal Card will be sent to you before your existing Card expires.

6.2 We may decide not to renew your Card. If we decide to do this we will provide you with 30 days notice prior to the expiry of the Card.

6.3 No Transaction will be processed once your Card has expired.

7. Redeeming E-money

7.1 If you would like to terminate your Card and redeem any unused funds, you may do so as long as: (a) the Available Balance is greater than €10.00 or currency equivalent; (b) we believe you have not acted fraudulently; and (c) we are not prohibited from doing so by any applicable law, regulation, court order or instruction or guidance of a competent regulatory authority or agency.

7.2 You can obtain redemption of any unused funds by contacting the Card Support team.

7.2.1 We will charge a redemption fee as detailed in the Fees and Limits Schedule.

7.3 Please note that our procedures may require us to carry out various identity checks reasonably required to prevent fraudulent use of your Card before we can process your redemption request.

8. Accountholder liability and authorisations

8.1 We may restrict or refuse to authorise any use of your Card if using the Card is causing or could cause a breach of this Agreement or if we have reasonable grounds for suspecting that either you or a third party has committed or is about to commit a crime or other abuse in connection with the Card.

8.2 If we need to investigate a Transaction on the Card then you must cooperate with us, or any other authorised body if this is required.

8.3 You should never: (a) allow another person to use your Card; (b) record your PIN or Password in writing, or with your Card or otherwise; (c) disclose your PIN or Password to or otherwise make it available to any other person, whether verbally or by entering it in a way that allows it to be observed by others or otherwise; or (d) enter the PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner.

8.4 If a Transaction is made that requires use of your PIN, you will be deemed to have authorised that Transaction, and you will be liable for any Transaction made with your PIN.

8.5 You agree to indemnify and hold harmless us and our distributors, partners, agents, sponsors and service providers, for and against the costs of any legal action taken to enforce this Agreement and/or any breach of this Agreement or fraudulent use of your Card or PIN by or authorised by you.

9. Lost, stolen or damaged cards

9.1 You should treat the e-money on your Card like cash in a wallet. If you lose your Card or it is stolen you may lose any e-money on it in just the same way as if you lost your wallet.

9.2 In the event of loss, theft, fraud or any other risk of an unauthorised use of your Card, or if your Card is damaged or malfunctions, you must immediately call the IVR number and select the appropriate IVR option and follow the instructions or you can contact the Card Support team. You will be asked to provide us with your Card Number and some identifying details. You will be liable for any unauthorised Transactions that take place prior to you notifying us and these will reduce your Available Balance. If there is an Available Balance remaining on your Card, we will replace your Card and transfer the last Available Balance on to it, unless we have any reason to believe that the notified incident has been caused by your breach of this Agreement, gross negligence or if it raises reasonable suspicion of fraudulent or improper conduct. If we replace the Card, the replacement Card will be sent to your address on record. (Fees may apply, see paragraph 11).

9.3 You agree to assist us, our partners, affiliates and the police if your Card is lost, stolen or if we suspect that the Card is being misused.

10. Transactions made in foreign currency

If you make a Transaction in a currency other than the base currency you selected in your Application (a ‘Foreign Currency Transaction’), the amount deducted from your Account will be converted to such base currency on the day we receive details of that Foreign Currency Transaction. We will use a rate set by the Association. This rate will include a Foreign Exchange Fee (see paragraph 11). Exchange rates can fluctuate and they may change between the time a Transaction is made and the time it is deducted from your Available Balance.

11. Fees and product summary

11.1 The Cards are subject to certain fees and restrictions set out in the Fees & Limits Schedule.

11.2 In your Application you were asked to select a base currency in which your Account will be held, and the fees corresponding to your base currency will apply.

11.3 We will deduct any taxes or charges due from the Available Balance on your Card.

11.4 Maintenance fees and dormancy fees, if applicable, will automatically be deducted from your Account each calendar month.

12. Disputes

12.1 If you have a reason to believe that any Transaction was unauthorised by you or posted to your Account in error, you may ask us to investigate the Transaction by contacting the Card Support team within 30 days of the date of the relevant Transaction. You must confirm the disputed Transaction in writing, setting out full details of the Transaction, your reasons for disputing it and providing copies of all relevant receipts. If we are satisfied that you have already made all reasonable efforts to resolve the dispute with the relevant Merchant we will attempt to assist you as far as is practicable.

12.2 If the disputed Transaction is investigated and found to be incorrect, the value of the Transaction will be refunded to your Account. Until our investigation is complete the disputed amount will be unavailable to spend. It may later be deducted from your Account if we receive information that proves that the Transaction was genuine. In the event that you do not hold sufficient funds on your Account to make such a repayment you must repay us the disputed amount immediately upon demand. We reserve the right to charge an investigation fee in relation to any dispute, see the Fees & Limits Schedule.

12.3 We reserve the right not to refund sums to you if we believe that you have not acted in accordance with this Agreement.

13. Variation

13.1 We may change the terms and conditions of this Agreement, including charges, fees and limits, at any time by posting an amended version on the Website for one or more of the following reasons:

13.1.1 to reflect the introduction or development of new systems, methods of operation, services or facilities;

13.1.2 to reflect a change or an expected change in market conditions, general good practice or the cost of providing our services to our customers;

13.1.3 to conform with or anticipate any changes in the law or taxation, any codes of practice or recommendations of the Gibraltar Financial Services Commission or other regulatory body;

13.1.4 to ensure that our business is run prudently and remains competitive;

13.1.5 to take account of a ruling by a court, ombudsman, regulator or similar body;

13.1.6 to make the terms and conditions fairer or clearer for you;

13.1.7 to rectify any mistake that might be discovered in due course;

13.1.8 by agreement with you; or

13.1.9 to enable us to harmonise our banking interest or charging arrangements.

13.2 You should regularly check the Website to inform yourself of any such changes. By continuing to use the Card after any such changes have taken effect, you are indicating your acceptance of the updated or amended terms and conditions. If you do not wish to be bound by any changes or amendments to this Agreement then you should stop using your Card immediately.

13.3 If you are significantly disadvantaged by any change to this Agreement you may cancel your Card in accordance with our cancellation policy. In such circumstances you will not be charged a cancellation fee.

14. Cancellation

14.1 You may cancel your Card for any reason (a) before activating it, and (b) up to 14 calendar days after the date of activation (the “Cancellation Period”) by writing to the Card Support team at the address given in paragraph 20 of this Agreement. This does not apply to replacement or additional Cards where the cancellation period for the Card has expired.

14.2 Upon cancellation, we will refund to you the Available Balance on your Card back to you within 30 days. We will not charge you for such cancellation.

14.3 You may terminate your Card any time after the Cancellation Period by exercising your rights under paragraph 15.3.

15. Termination or suspension

15.1 We can terminate this Agreement at any time: (a) if we give you 30 days’ notice and refund the Available Balance to you; (b) with immediate effect if you have breached this Agreement, or if we have reason to believe that you have used, or intend to use the Card in a grossly negligent manner or for fraudulent or other unlawful purposes or if we can no longer process your Transactions due to the actions of third parties or following any suspension of the Card under paragraph 15.2.6; or (c) with immediate effect if we have other serious grounds for doing so.

15.2 We can suspend your Card at any time with immediate effect (and until your default has been remedied or the Agreement terminated) if:

15.2.1 in the event of any fault or failure in our Transaction processing system; or

15.2.2 if we believe your Card details have been compromised; or

15.2.3 we discover that any of the information that you provided to us when you applied for your Card was incorrect; or

15.2.4 a Transaction has been declined because of a lack of Available Balance; or

15.2.5 you have breached this Agreement or we have reason to believe that you have used, or intend to use or have permitted the Card to be used in a grossly negligent manner or for fraudulent or other unlawful purposes or if we cannot process your Transactions due to the actions of third parties; or

15.2.6 due to fraudulent or other suspicious activity on your Account; or

15.2.7 if we have other serious grounds for doing so; or

15.2.8 if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognised body for the prevention of financial crime or other illegal activity.

15.3 You can terminate this Agreement at any time following the Cancellation Period by contacting the Card Support team.

16. Our liability

16.1 Our liability in connection with this Agreement (whether arising in contract, tort (including negligence), and breach of statutory duty or otherwise) shall be subject to the following exclusions and limitations:

16.1.1 we shall not be liable if you are unable to use your Card for any reason stated in this Agreement or by reason of the loss or theft of or damage to the Card or any malfunction or inability to use the Card on grounds beyond our reasonable control;

16.1.2 we shall not be liable if a Merchant refuses to accept a Transaction or fails to cancel an authorisation;

16.1.3 we will not be liable for the goods or services that you purchase with your Card;

16.1.4 we shall not be liable for any default resulting directly or indirectly from any cause beyond our control, including but not limited to, a lack of funds and/or failure of network services at ATMs, maximum withdrawal limits set by ATM operators and failure of data processing systems;

16.1.4 we shall not be liable for any loss of profits, loss of business, or any indirect, consequential, special or punitive losses;

16.1.5 where the Card is faulty due to our default, our liability shall be limited to replacement of the Card, or at our choice, redemption of the Available Balance;

16.1.6 where sums are incorrectly deducted from your Available Balance due to our default, our liability shall be limited to payment to you of an equivalent amount in your base currency;

16.1.7 in all other circumstances of our default, our liability will be limited to redemption of the Available Balance; and

16.1.8 we shall not be liable for any disputes between you and your Payor, any third-party payout processor, or a depository institution regarding the amount or timing of funds loaded to your Account. All such disputes shall be between you and such other third party.

16.2 Nothing in this Agreement shall exclude or limit our liability for death or personal injury resulting from our negligence or fraud.

16.3 To the extent permitted by law, all conditions or warranties implied by law, statute or otherwise are expressly excluded.

16.4 The above exclusions and limitations set out in this paragraph 16 shall apply to any liability of the Association, our affiliates or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement.

17. Your information

17.1 You may need to provide us with personal data from time to time in connection with your Card. Some personal data will be necessary for us to provide you with the Card and services under this Agreement. You must notify us immediately of any change of name and address by contacting the Card Support team.

17.2 We and our affiliates are committed to maintaining your personal data in accordance with the requirements of the Data Protection Act 2002 and will take all reasonable steps to ensure that your personal data is kept secure against unauthorised access, loss, disclosure or destruction. Except as required by law, or in accordance with this agreement, your personal information will not be passed to anyone without your permission. To comply with anti-money laundering regulations, we are required to request evidence of identity from you and may use an ID verification agency or credit reference agency (whose names and addresses will be provided to you on request) both prior to and following issue of your Card for this purpose and who will record that an entry has been made.

17.3 We may contact credit reference agencies to check your identity, and they will add details of our search to your record. You agree that we can use your personal data in connection with the Card, and the e-money associated with the Card, to contact you about replacement Cards, and to enable us to review, develop and improve our products and services. This may involve providing your personal data to our affiliates, agents, contractors, distributors, and suppliers and to the Association and its affiliates to process Transactions and for their statistical research and analytical purposes as outlined in our privacy statement. We may use or share your personal data for marketing purposes. We may also transfer your personal data outside of the EEA to enable you to use the Card while you are travelling and for the performance of our obligations under this Agreement. Such countries may not offer the same standards of protection for personal data. We may also disclose your personal data as required by law, regulation or any competent authority or agency including to authorities and agencies to investigate possible fraudulent, unlawful or unauthorised activity.

17.4 You have a right to inspect the personal data we hold about you however we will ask you to pay an Inspection Fee to cover our costs. For further information please contact the Card Support team.

17.5 If we discover that the information we hold about you is incorrect, we may have to suspend or cancel your Card until we can establish the correct information, in order to protect us both.

17.6 It is your responsibility to keep us updated of changes to your personal details.

17.7 A full copy of our data protection policy is available on request.

18. Complaints procedure

18.1 Complaints regarding any element of the service provided by us should be sent by email to the Card Support team.

18.2 All complaints will be subject to our Complaints Procedure. We will provide you with a copy of our Complaints Procedure upon request.

18.3 In all cases you agree that any complaint, dispute, action, proceeding, liability or claim by you must be directed and made to us exclusively in respect of the use/misuse of the Card, any Transaction, provision of the Card Support team and generally in relation to your rights under this Agreement. You irrevocably agree that all your rights are solely enforceable against us and we shall be solely liable to you for any performance/non-performance of services under this Agreement.

18.3 If we fail to resolve your complaint to your satisfaction within 60 days you may refer your complaint to the Gibraltar Financial Service Commission, PO Box 940 Suite 3, Ground Floor Atlantic Suites, Europort Avenue, Gibraltar.

18.4 The Gibraltar Depositors Compensation Scheme is not applicable for the Card. No other compensation schemes exist to cover losses claimed in connection with the Card.

20. Contacting the card support team

If you need assistance, you can contact the cardholder support team at or contact the IVR at +44 (0) 113 320 0312.

19. General

19.1 Any delay or failure to exercise any right or remedy under this Agreement by us shall not be construed as a waiver of that right or remedy or preclude its exercise at any subsequent time.

19.2 If any provision of this Agreement is deemed unenforceable or illegal, the remaining provisions will continue in full force and effect.

19.3 You may not assign or transfer any of your rights and/or benefits under this Agreement and you shall be the sole party to the contract between us. You will remain liable until the Card issued to you is cancelled or expires and all sums due under this Agreement have been paid by you in full. We may assign our rights and benefits at any time without prior written notice to you. We may subcontract any of our obligations under this Agreement.

19.4 No third party who is not a party to this Agreement has a right to enforce any of the provisions of this Agreement, save Mastercard Europe and its respective affiliates may enforce any provision of this Agreement which confers a benefit or a right upon it and a person specified in paragraph 16.4 may enforce paragraph 16.

19.5 This Agreement is governed by Gibraltar law and you agree to the non-exclusive jurisdiction of the courts of Gibraltar.

20. Contacting the card support team

If you need assistance, you can contact the cardholder support team at or contact the IVR at +44 (0) 113 320 0312.

Exodus / Capital Club Prepaid Mastercard® is issued by WaveCrest Holdings Limited, pursuant to license from Mastercard International. Mastercard is a registered trademark of Mastercard International Incorporated. WaveCrest Holdings Limited is a licensed electronic money institution by the Financial Services Commission, Gibraltar.”

Key Benefits

Capital Club Connect with entrepreneurs, executives, business brokers, investment bankers and private equity groups with our online community for dealmakers and expand your business network. Our members helping you to develop your businesses in any way we can. The members businesses are all potential customers, suppliers and friends, so make the most of them and if you need information or advice, we will do our best to point you in the right direction. We promise you a friendly but highly professional experience

The Capital Club’s current membership includes a broad range of businesses with a wealth of expertise. Any company, of any size, that does business in our Capital Club network. Key benefits of Capital Club membership include:

  • Opportunity to meet other like-minded business people and build relationships
  • Develop and grow your contact base
  • Receive support and help from people that you get to know to know and trust
  • Six to Ten monthly evening meetings plus two social events each year
  • A place on this website where members are encouraged to post news – including links to Twitter,
  • Meet key decision makers from a wide range of businesses
  • Opportunity to receive qualified referrals/leads from fellow members
  • There’s no lock-out – which encourages interactions and affiliation between professions/trades
  • Great value for money – membership included profit share is only from €260 per year. Meals not included.
  • Capital Club Master Card. The Card is included I’m members fee

Capital Club Membership

Capital Club provides support and connections to help you grow your business. Monthly meetings provide the opportunity to network with some most experienced business people, and tap into their knowledge and experience.
Price list for The Capital Club yearly Member-ship, including our Capital Club Master Card. Choose currency between EUR, USD, GBP and soon SEK and DKK. If you need one more card with another currency, costs the card 1.000 SEK

The Capital Club members share a percentage of the yearly profit.


  • 2,600 SEK Bronze (one profit share)
  • 3,200 SEK Silver (two profit share)
  • 3,800 SEK Gold (three profit share)
  • 5,000 SEK Corporate Member (three profit share) and including one Master Card

Finding New Partners

Our Capital Club membership includes professionals who are among the best at what they do. Whatever services you need to run your business, or improve your profitability and efficiency, you are likely to be able to find a recommended partners and supplier.

In addition to these benefits, annual membership, from 2,600 SEK including our Member MasterCard – providing a competitive rate that is hard to beat. There is no charge for the monthly meetings beyond the price of the meal. Monthly e-newsletters are automatically sent out to all members including information about forthcoming events of interest including occasional training courses and workshops.

Investment Capital

Capital Club welcomes members with exciting business ideas who see the potential in close cooperation with an unusually active investor.

Capital Club Advisory Board

Capital Club Advisory Board is aimed at managing projects, business ideas and to facilitate nancing and to provide expertise to our member companies. Business projects endurance and thus the success often depends on funding, support and expertise are available.

Member Terms of Use

Please read these Terms of Use carefully before viewing this site. They set out the terms and conditions on which we make the CC site and its content available to you. By viewing or using this site you agree that you have read and agree to be bound by these terms of use (as amended and posted on this site from time to time) and our privacy policy, which forms a part of these terms of use. You may only use this site if you agree to be bound by these terms of use and you consent to the uses of your personal data being made as are set out in our privacy policy.

  1. Introduction  Welcome to (the “Site”). In these terms of use (“Terms of Use”), the expressions “we” and “us” means Capital Club (“CC”). This Site is owned and operated by CC. These Terms of Use constitute an agreement between you (the user) and us relating to your use of the Site. Modifications to this Site and these Terms of Use We reserve the right to correct, alter, suspend or remove any content of the Site at any time without notice. We may alter these Terms of Use at any time without notice and post the new version on the Site, following which posting, all use of the Site will be governed by that revised version. You must check these Terms of Use regularly and thoroughly.
  2. Access to Site Access to Site Unless otherwise specified, the content on the Site is directed solely at those who access the Site from the Gibraltar and at those who are residents in EU. We make no representation that the content of the Site is appropriate or available for use by any other users.
  3. Legal Exclusions and Limitations: While we take every care to ensure that the standard of the Site and its content remains high and to maintain the continuity of the Site, you should be aware that the Internet is not a stable medium and you agree that the Site and its content is provided to you “as is” and that errors, omissions, interruptions of service and delays may occur at any time. We do not accept any ongoing obligation or responsibility to operate the Site (or any part of it) or to provide the services offered on the Site. In addition, we make no representations or warranties about the accuracy, completeness, freedom from viruses, availability, reliability or suitability for any purpose of the information and related content and graphics published on the Site (including all texts, advertisements, links or other items) which may contain technical inaccuracies and typographical errors. Except as expressly stated in these Terms of Use, all conditions, warranties, terms and representations (whether express or implied), statutory or otherwise are expressly excluded to the fullest extent permitted by law. You agree that we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with these Terms of Use or your use or inability to use the Site for any direct, indirect or consequential loss or damage including without limitation for any loss of data, profit, use or revenue (in each case whether direct or indirect) provided that nothing in these Terms of Use shall be construed as to limit our liability for death or personal injury caused by our negligence or for our fraud. You agree that you shall not attempt to interfere with the proper working of the Site and, in particular, you shall not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website, router or any other Internet connected device relating to the Site. Unless otherwise specified all content and materials published on the Site are presented solely for your private, personal and non-commercial use. You assume total responsibility and risk for your use of the Site and use of all information contained within it.
  4. Data Protection Any personal data provided by you in response to this Site will be held and processed by us in accordance with our privacy policy. For more information, please see our privacy policy which forms a part of these Terms of Use.
  5. Copyright All copyright and other intellectual property rights in the information, design, text and graphics of the Site, and the selection or arrangement thereof, is owned by us or our licensors. All rights are reserved. You may copy electronically and print in hard copy portions of the Site solely for your non-business related purpose of using the Site to seek information about us and our products. Any other use of any materials or content on the Site (including reproduction for purposes other than that noted above, amendment, updating, distribution or republication) without our prior written consent is prohibited. All product names and logos mentioned on the Site are the trademarks, service marks or trade names of their respective owners, including us.
  6. Termination We may, in our sole discretion, suspend or terminate your access to or use of the Site for any reason including without limitation if we reasonably believe that you have breached or acted inconsistently with these Terms of Use including the privacy policy. You agree that any suspension or termination of your access to the Site under these Terms of Use may be effected without prior notice, and agree that we shall not be liable to you or any third party for any suspension or termination of your access to the Site. We may also, in our sole discretion, and at any time, discontinue our provision of all or any part of the Site, with or without notice. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
  7. General You agree that we may assign, transfer, or subcontract any or all of our rights and obligations under these Terms of Use. If we fail to enforce a right under these Terms of Use, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion. These Terms of Use (which include our privacy policy here) set out the entire agreement between the parties. You acknowledge that in entering into these Terms of Use, you do not rely, and have not relied, upon any representation (whether negligent or innocent), statement or warranty made or agreed to by any person (whether a party to these Terms of Use or not) except those expressly set out in these Terms of Use. This clause shall not apply to any statement, representation, or warranty made fraudulently, or to any provision of these Terms of Use which was induced by fraud. If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.
  8. Governing Law These Terms of Use shall be governed by and construed in accordance with the laws of Gibraltar. Any disputes shall be subject to the exclusive jurisdiction of the Courts of Gibraltar, to which each party submits.
  9. Registered Offices and Company Numbers Registered in Gibraltar. Company Registration number: 114953 Exodus Ltd. Address: Suite 23, Portland House, Glacis Road, Gibraltar GX11 1AA E-mail:

Member Privacy Policy

Welcome to (the “Site”). In this privacy policy (“Privacy Policy”), the expressions “we” and “us” means Capital Club. We take your privacy seriously and this Privacy Policy explains the steps we take to ensure information about you is kept secure and confidential.

  1. The information we collect from you We will collect personal information about you which you provide to us when using the Site, for example, when you activate your Capital Club Card, log in to manage your Capital Club Card, contact us through the Site, request information or otherwise provide personal information to us. Such information may include (but is not limited to) your Capital Club card number and PIN, your full name, address, telephone number and email address. You must ensure that the personal information you provide to us is accurate and complete
  2. Purposes for which we use your personal information We collect, use, store and otherwise process personal information about you for the following purposes: (i) to enable you to access and use the Site; and (ii) to run your Capital Club Pre Card account; and (iii) to process your fund transfers and transactions; and (iv) to enable us to provide any services which you have requested through use of the Site; and (v) to personalize aspects of our overall service to you; and (vi) to provide you with information regarding products and services that we feel may be of interest to you (see the “Marketing” section below).
  1. Disclosing information about you We will not disclose personal information obtained from you to any third parties other than in connection with legal proceedings or potential legal proceedings or if otherwise required to do so by law or any other Governmental or law enforcement agency (including but not limited to Capital Club, our issuing banks, our processors and our third party partners.)
  2. Marketing We and/or our partners will only use the personal information obtained from you to enable us to provide you with information by email, telephone or post regarding products and services that we feel may be of interest to you if you have provided your consent for us to do so by ticking the relevant box(es) on this website where your personal information is collected. If you wish to withdraw consent to use this information at any time for either us and/or our partners’, then you should contact the Information Officer at Capital Club. We may need to disclose your personal information if you breach this Privacy Policy and/or our Terms of Use or in connection with legal proceedings or potential legal proceedings or if otherwise required to do so by law or any other Governmental or law enforcement agency
  3. Security Keeping your personal information secure is very important to us. We will take appropriate and up-to-date measures to protect your personal information. However, no data transmission over the Internet can be guaranteed to be totally secure. As a result, whilst we strive to protect your personal information, we cannot ensure or warrant the security of any information which you send to us, and you do so at your own risk.
  4. Transferring your information abroad We may store, process and/or transfer the personal information you submit to us through use of the Site to countries outside of the European Economic Area including (without limitation) to the USA. Personal data transferred outside of the EEA will be stored and processed by our group companies or representative offices for business and management purposes, to perform a contractual obligation owed by us to you and/or to provide you with information or services that you have requested. By using this Site, you consent to us transferring your personal information to countries outside the EEA for our legitimate business purposes as outlined in this paragraph. We will take appropriate steps to protect your personal data.
  5. Cookies Cookies are small files on your computer, which can store information that you transmit when accessing the internet. They are transmitted via the web browser to the computer’s hard drive. Cookies cannot transmit any information from a computer system. They instead help to make a return visit to the Site as simple and user friendly as possible. Some cookies remain on the computer’s hard drive so that Partner recognises your computer on your next visit. You can change your browser options at any time to deactivate cookies. (Some functions are only accessible when cookies are enabled and we therefore recommend allowing cookies.)
  6. Links This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. This privacy policy applies solely to information collected by this Site.
  7. Data Protection Registration Partner has notified the Gibraltar Information Commissioner’s Office that it processes personal data and appears on the register of data controllers
  8. Privacy related questions or complaints If you have any questions relating to this Privacy Policy or how we use your personal information, or if you believe that we have not complied with this Privacy Policy with respect to your personal information, you may write to our Information Officer. You should also use this address if you would like to request a copy of your personal information from us or to review or modify any part of your personal information at any time. We reserve the right to charge a fee for each copy request.You may also contact us by sending an email to our Information Officer from the contact page. In your letter, please clearly set out your question or request or, if you have a complaint, describe in as much detail as possible the ways in which you believe that our Privacy Policy has not been complied with and we will investigate and provide you with a response.