Last updated: April 4, 2026 | Version 1.0
1.1. These Terms of Use ("Terms" or "Agreement") are between you and Bankly ("we", "us", "our"). These Terms apply to you when you access and use any parts of our website available at https://bankly.cc and related mobile applications (together, the "Site(s)").
1.2. This Agreement applies to your use of the following Bankly products and services ("Services"):
1.3. Please read this document carefully, as it sets out the terms and conditions on which Bankly will provide services to you. By signing up to create an Account and using our Services, you agree that you have read, understood, and accept all terms contained in this Agreement, as well as our Privacy Policy.
2.1. To use Bankly Services, you must:
2.2. By creating an account, you represent and warrant that you meet all eligibility requirements.
3.1. To access certain Services, you must create an account by providing accurate and complete information.
3.2. You are required to complete identity verification (KYC) in accordance with applicable anti-money laundering (AML) regulations. This may include providing government-issued identification, proof of address, and a selfie for liveness verification.
3.3. You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account.
3.4. We reserve the right to refuse, suspend, or terminate your account at our discretion if we suspect fraudulent activity, regulatory non-compliance, or violation of these Terms.
4.1. Bankly provides virtual and physical payment cards powered by Visa and Mastercard networks. Cards may be used at merchants worldwide where Visa and Mastercard are accepted.
4.2. Card issuance is subject to successful KYC verification and approval.
4.3. You may top up your card using supported cryptocurrencies (BTC, ETH, USDT, USDC) or fiat currency. Crypto-to-fiat conversion occurs at the prevailing exchange rate at the time of the transaction.
4.4. Cards are subject to daily and monthly transaction limits, which may vary based on your verification level and jurisdiction.
4.5. Bankly is not responsible for merchant-initiated charges, refund delays, or transaction disputes that arise from your use of the card at third-party merchants.
5.1. Bankly may charge fees for certain Services, including but not limited to card issuance, transactions, currency conversion, and withdrawals.
5.2. All applicable fees will be disclosed to you before you confirm a transaction. Current fee schedules are available on our Site.
5.3. We reserve the right to modify our fee structure with prior notice.
6.1. You agree not to use Bankly Services for:
6.2. Violation of this section may result in immediate account suspension, forfeiture of funds (where permitted by law), and reporting to relevant authorities.
7.1. By using Bankly Services, you acknowledge and accept:
8.1. All content on the Site, including text, graphics, logos, icons, images, and software, is the property of Bankly or its licensors and is protected by intellectual property laws.
8.2. You may not reproduce, distribute, modify, or create derivative works from any content on our Site without our prior written consent.
9.1. To the maximum extent permitted by law, Bankly shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or funds, arising from your use of our Services.
9.2. Our total liability for any claim arising from these Terms shall not exceed the total fees paid by you to Bankly in the twelve (12) months preceding the claim.
9.3. We are not liable for delays, failures, or losses caused by third-party service providers, payment networks, blockchain networks, or force majeure events.
10.1. You agree to indemnify and hold Bankly harmless from any claims, damages, losses, or expenses (including legal fees) arising from your breach of these Terms, violation of any law, or misuse of our Services.
11.1. Bankly is committed to compliance with the Markets in Crypto-Assets (MiCA) regulation and meets all Travel Rule requirements for cryptocurrency transactions.
11.2. We may request additional information from you to comply with regulatory requirements, including the Travel Rule for transfers above applicable thresholds.
12.1. You may close your account at any time by contacting support@bankly.cc.
12.2. We may suspend or terminate your account if you breach these Terms, if required by law, or if we cease to offer Services in your jurisdiction.
12.3. Upon termination, you must withdraw any remaining funds within the period specified by us. Unclaimed funds will be handled in accordance with applicable law.
13.1. We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through our Site at least 30 days before taking effect.
13.2. Your continued use of our Services after changes take effect constitutes acceptance of the modified Terms.
14.1. These Terms shall be governed by and construed in accordance with applicable laws of the jurisdiction in which the relevant Bankly entity operates.
14.2. Any disputes arising from these Terms shall first be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to the competent courts of the applicable jurisdiction.
If you have any questions about these Terms, please contact us at support@bankly.cc.