Website Terms
Last updated: 7 January 2026
Please read these Website Terms carefully as they contain important information.
1. Introduction
1.1 nsave Limited (‘nsave’, ‘we’)is a limited company registered in England and Wales under company number14337994. Our registered office is at 124 City Road, London EC1V 2NX.
1.2 We are not regulated by theFinancial Conduct Authority.
1.3 We operate www.nsave.com (the ‘Website’)and the nsave mobile device application (the ‘App’). The App allows Members to access electronic money accounts (each, an ‘Account’). Accounts (and payment cards relating to those accounts) are provided and (or) issued by our Partners.
1.4 You can contact us via theApp, by emailing support@nsave.com, or by writing to us at nsave, 124 CityRoad, London, EC1V 2NX.
2. About these terms
2.1 By using the Website, you confirm that you have read, understood and agree to these Website Terms. If you do not agree to these Website Terms, you must not use the Website. We recommend that you print a copy of these Website Terms for future reference.
2.2 These Website Terms refer to, and incorporate, our:
2.2.1Privacy Policy (www.nsave.com/privacy),which explains how we collect, use and store your personal data; and
2.2.2Cookie Policy (www.nsave.com/terms/cookie),which sets out information about the cookies on the Website.
3. Other terms that might apply to you
3.1 If you open an Account you will be required to agree to:
3.1.1Our MembershipAgreement and our App Terms, and
3.1.2The account terms which are issued by the Partner which provides the relevant Account.
3.2 If you opt to receive any services from a Partner of nsave, other than the services which are related to an Account, you will be required to agree to the terms which apply to that service (and which are issued by the Partner providing that service to you).
4. Information contained on the Website
4.1 Although nsave makes reasonable efforts to update the information on the Website, we make no representations, warranties or guarantees, whether express or implied, that the content on the Website is accurate, complete or up to date.
4.2 The content on the Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Website.
4.3 We may update and change the contentof the Website at any time.
5. We may make changes to these Website Terms
5.1 We may amend these Website Terms from time to time. Everytime that you use this Website, you should check to ensure that you understandthe terms which apply at that time. The date that these Website Terms wereupdated is set out at the top of this page.
6. We may transfer these Website Terms
We may transfer our rights and obligations under these Website Terms to another organisation.
7. How you may use material on the Website
7.1 We are the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
7.2 No part of this Website may be reproduced, distributed, published, linked or delivered to any other party for any purpose. In no event shall a user acquire title to any software or Website material by downloading it, or otherwise copying it, from the Website.
8. Text and data mining, or web scraping
8.1 You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Website or any services provided via, or in relation to, theWebsite for any purpose, including the development, training, fine-tuning or validation of artificial intelligence (‘AI’) systems or models. This includes using(or permitting, authorising or attempting the use of):
8.1.1Any ‘robot’, ‘bot’, ‘spider’,‘scraper’ or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of theWebsite or any data, content, information or services accessed via the same.
8.1.2Any automated analytical technique aimed at analysing text and data in digital form to generate information [or develop, train, fine-tune or validate AI systems or models] which includes but is not limited to patterns, trends and correlations.
8.2 The provisions in this clause 8should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive((EU) 2019/790).
8.3 You shall not use, and we do not consent to the use of, the Website, or any data published by, or contained in, or accessible via, the Website or any services provided via, or in relation to, the Website for the purposes of developing, training, fine-tuning or validating any AI system or model.
8.4 This clause 8 will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
8.5 If you wish to link to or make any use of content on the Website other than that set out above, please email us for permission at: support@nsave.com
9. Trademarks
9.1 Our trademark (‘nsave’)and logo is registered in the United Kingdom as well as in other jurisdictions where the company has operations.
9.2 You are not permitted to use our trademark without our approval.
10. Links to third party websites
10.1 Links on the Website may be directed to third-party websites, which are not owned nor controlled by nsave and are provided for your information only. The inclusion of such links on theWebsite should not be interpreted as approval by us of those linked websites or information you may obtain from them.
10.2 We have no control over the contents of third-party sites or resources.
11. Viruses
11.1 We do not guarantee that theWebsite will be secure or free from bugs or viruses.
11.2 You are responsible for configuring your information technology, computer programs and platform to access the Website. You should use your own virus protection software.
11.3 You must not misuse theWebsite by knowingly introducing viruses, trojans, worms, logic bombs or othermaterial that is malicious or technologically harmful, or otherwise harmfullyinteracting with the Website or any part of it. You must not attempt to gainunauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website or any other equipment or network connected with the Website. You must not interfere with, damage or disrupt any software used in the provision of the Website or any equipment or network or software owned or used by any third party on which thisWebsite relies in any way. You must not attack the Website via adenial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under theComputer Misuse Act 1990. We will report any such breach to the relevant lawenforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
12. Liability for loss or damage
12.1 We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
12.2 Different limitations and exclusions of liability will apply to liability arising as a result of:
12.2.1 nsave's supply of any products or services to you, which will be set out in our Membership Agreement; and
12.2.2 the supply of any products or services to you by a Partner of nsave, which will be set out in the relevant terms (as issued by the relevant Partner).
12.3 We only provide the Website for domestic and private use. You agree not to use the Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
13. We may suspend or withdraw the Website
13.1 The Website is made availablefree of charge.
13.2 We do not guarantee that theWebsite, or any content on it, will always be available or be uninterrupted. Wemay suspend or withdraw, or restrict the availability of, all or any part ofthe Website for business and operational reasons. We will try and givereasonable notice of any suspension or withdrawal.
13.3 You are responsible forensuring that all persons who access the Website through your internetconnection are aware of these Website Terms and other applicable terms, andthat they comply with them.
14. Use of personal information
Wewill only use your personal information as set out in our Privacy Policy.
15. Governing law
TheseWebsite Terms, their subject matter and their formation, are governed byEnglish law. You agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a resident ofScotland, you may also bring proceedings in Scotland.
16. Severability
Inthe event that any part of these Website Terms is found to be invalid, unlawfulor unenforceable, such part will be separable from the remaining terms, whichshall continue to be valid and enforceable.
MEMBERSHIP AGREEMENT
Last updated: 7 January 2026
17. Introduction
17.1 This Membership Agreement (the‘Agreement’) is between you (a ‘Member’) and nsave Limited (‘nsave’,‘us’, ‘we’).
17.2 We are a limited companyregistered in England and Wales under company number 14337994. Our registeredoffice is at 124 City Road, London EC1V 2NX.
17.3 We are not regulated by theFinancial Conduct Authority.
17.4 We operate the www.nsave.comwebsite and the nsave mobile device application.
17.5 You can contact us via thensave mobile device application, by emailing support@nsave.com, or by writingto us at nsave, 124 City Road, London, EC1V 2NX.
18. Definitions
We have listed below what wemean when we use certain words and phrases in this Agreement:
‘Account’means an electronic money account provided to you by one of our Partners.
‘App’means the nsave mobile device application you can use to access and serviceyour Account(s).
‘AppTerms’ means the agreement you enter into to downloadand use the App.
‘FCA’means the Financial Conduct Authority.
‘MemberServices’ means the services we provide to you as setout in this Agreement.
‘MembershipFee’ means the fee we charge you to be a Member.
‘Modules’means extra sets of terms and conditions that cover services that are inaddition to those set out in this Agreement. Once you enter into a Module, itis incorporated into and forms part of this Agreement.
‘Partner’and ‘Partners’ means other businesses that we work with to provide youwith particular services.
‘PartnerTerms’ means any agreement you sign up to with one ofour Partners.
19. Important information
19.1 We operate the App. We may also provide other services thatare not regulated by the FCA. Accounts (and payment cards relating to those accounts) areprovided and issued by our Partners. Our Partners may also provide otherservices to you. Our Partners, and their services, can be regulated orunregulated. If our Partners provide you with a regulated service, this meansthat you may benefit from additional protections if something goes wrong.
20. About this Agreement
20.1 We agree to provide you withthe Member Services. This Agreement sets out the terms which apply in relationto the Member Services.
20.2 By clicking on the ‘Accept’button in the App, you agree to the terms set out in this Agreement, and youwill be legally bound by the Agreement. If you do not agree with the terms setout in this Agreement, you should (a) not click on the ‘Accept’ button, and (b)remove the App from any device.
21. The app terms and other modules
21.1 We may also offer to provideother services to you, and if you want to use those services then your (andour) rights and obligations in relation to those services will be set out inthis Agreement and any Modules.
21.2 We may add new services andModules at any time.
21.3 Each Module will set out howyou will agree to enter into the Module and access the service it covers.
21.4 If we offer additionalservices, we can withdraw or change those services at any time before you agreeto the Module that covers those services.
21.5 In the event that there is anyinconsistency between the terms of this Agreement and any Module, thisAgreement will take precedence.
22. Partners and partner terms
22.1 To be a Member, you will needto open at least one Account with one of our Partners. You will need to agreeto the Partner Terms which apply to each Account that you open.
22.2 You may need to provideadditional information or meet additional requirements in order to open anAccount or access any other services from Partners.
22.3 Accounts and cards may beprovided by different Partners who are regulated by different regulators.
22.4 Accountsare provided by Frost Money Ltd, a companyincorporated in England and Wales (Company No: 12231881) with its registeredoffice at Ground Floor, 15 Wellington Road, Eccles, Manchester, England, M300DR (‘Frost Money’). Frost Money is an Electronic Money Institutionauthorised by the Financial Conduct Authority (Firm Reference No: 1020783) forthe issuing of electronic money. The terms of use for Accounts provided by Frost Money can be found here:www.nsave.com/terms/account/keel
23. Membership fee
23.1 Our Pricing page(www.nsave.com/pricing) sets out the Membership Fee.
23.2 You agree that we can takeyour Membership Fee from within the App every month. If there is not enoughmoney to cover the Membership Fee, you agree that we can take the payment froman alternative Account. You may revoke this consent by closing your Account(s)and terminating this Agreement.
23.3 The Pricing page also sets out other charges which apply to transactions which you carry out through anAccount (and any card issued to you connected to an Account), and other account services, in accordance with Partner Terms.
24. Contact
24.1 You can contact us by emailingsupport@nsave.com or writing to us at nsave, 124 City Road, London, EC1V 2NX.Our Customer Support team is open between 9am and 5pm UK time, Monday to Friday(except for public holidays).
24.2 We will send notices to theemail address that you have provided to us. It is your responsibility to ensurethat you notify us of any changes to your email address. Any notice sent by usto the email address that you have provided is considered delivered at the timeof sending.
25. Amendments to this Agreement
25.1 We may, at any time, makechanges to this Agreement to reflect changes in relevant laws and regulatoryrequirements. We will try to notify you of any changes before they take effect,and we will give you the option to close your Accounts and membership.
25.2 If we need to make any other changes to this Agreement, or the Membership Fee, we will tell you at least one month in advance, and give you the option to close your Accounts and therefore cancel your membership before the change happens.
26. Ending your membership
26.1 You can end your membership atany time, and for any reason, by closing all of your Accounts. At that point,this Agreement will come to an end, except for thesections listed in section 10.4.
26.2 We have the right to terminatethis Agreement and end your membership immediately if:
26.2.1There are insufficientfunds in your Accounts when the Membership Fee is due, and you do not pay usthe Membership Fee within 14 days of us asking you to do so.
26.2.2A Partner tells us thatthey are closing your Account.
26.2.3We enter into, orreasonably think that we might be about to enter into, any bankruptcyproceedings or a similar process.
26.2.4You give us any falseinformation.
26.2.5 Wereasonably believe that you are using your Account, our services, or servicesprovided by our Partners, in connection with illegal or criminal activity.
26.2.6A law or regulationmeans that we are not allowed to continue to provide you with membership.
26.2.7 Your Account is dormant for at least 24 months. Inthis instance, we will send a closure notice to the email address that you haveprovided to us. If we do not receive a reply within two months (for Accountsopened on or after 28 April 2026, this period is extended to 90 days), we mayclose your Account and place any residual funds into a suspense account (exceptany funds received from nsave promotions or offers which may be clawed back).You have six years, from the date your Account is closed, to contact us andrequest the return of any residual funds.
26.2.8 You threaten, intimidate, abuseor act violently towards our staff.
26.3 We have the right to terminatethis Agreement and end your membership for any other reason, as long as we givetwo months' advance notice (for Accounts opened on or after 28 April 2026, this period is extendedto 90 days).
26.4 If we end your membershipunder section 10.2 or 10.3, our Partners will close your Accounts (if this hasnot been done already).
26.5 We have the right to charge you a discretionary administration fee inthe event that your membership is terminated and your Account(s) and cards areclosed either by you or by us.
26.6 Sections 11 (Use of PersonalInformation), 13 (Governing Law), 14 (Liability), and 15 (Rights of ThirdParties) will continue to apply after the end of this Agreement.
27. Use of personal information
27.1 We will only use your personalinformation as set out in our Privacy Policy (www.nsave.com/privacy), which youshould read.
28. Transfer
28.1 You may not assign or transferany of your rights or obligations under this Agreement (for instance, bytransferring your membership to another person).
28.2 We may at any time assign ortransfer our rights and obligations under this Agreement to another person, andif we do so we will tell you in advance.
29. Governing law
29.1 This Agreement, and its subject matter and formation, aregoverned by English law. You agree that the courts of England and Wales willhave exclusive jurisdiction, except that if the address we hold for you is inNorthern Ireland you may also bring court proceedings there, and if the addresswe hold for you is in Scotland, you may also bring court proceedings there.
30. Liability
30.1 We do not exclude or limit inany way our liability to you where it would be unlawful to do so. This includesliability for death or personal injury caused by our negligence or thenegligence of our employees, agents or subcontractors and for fraud or fraudulentmisrepresentation.
30.2 We will be responsible forlosses that you suffer which are caused by us breaching the terms of thisAgreement, unless the loss is unforeseeable (i.e., it was not obvious that suchloss would happen, and we did not have any expectation of the loss happening),caused by an event outside of our control, or something that you could haveavoided by taking reasonable action.
30.3 Save as set out in section14.2, we have no liability to you for any financial loss including but notlimited to charges, transaction costs, foreign exchange, loss of opportunity,loss of business, business interruption, etc.
30.4 We are not liable to you forany services provided to you by any other person (including a Partner),including when those services are accessible via the App or any other platformprovided by us. You should refer to the terms which apply to the services providedto you by our Partners for more information.
30.5 If any part of this Agreementis found to be invalid, unlawful or unenforceable, such part will be separablefrom the remaining terms, which shall continue to be valid and enforceable.
31. Rights of third parties
31.1 This Agreement is between you and us, and no other party can enforce it.
31.2 Any delay by us in enforcing this Agreement does not constitute a waiver (for example, if we do not immediately take action for non-payment of the Membership Fee, this does not mean that we waive our right to do so in the future).
32. Complaints
32.1 If you are unhappy with ourproducts and services, you may make a complaint by emailingcomplaints@nsave.com. Please set out your complaint in detail and attach anysupporting documentation.
32.2 We will acknowledge yourcomplaint within 3 business days and will endeavour to provide a final writtenresponse within 15 business days.
32.3 If youare dissatisfied with our response, you may complain directly to Frost Money Ltd at: complaints@frost.app
32.4 Alternatively, you have theright to escalate your complaint to the Financial Ombudsman Service (telephone+44 (0)800 023 4567 or email complaint.info@financial-ombudsman.org.uk). Forfurther information, please see the Ombudsman’s consumer leaflet here: www.financial-ombudsman.org.uk/businesses/resolving-complaint/ordering-leaflet/leaflet
Ongoing Promotions
Invest Bonus
This offer is open to nsave customers (with an open account) who have not previously deposited moneys into an nsave investment account.
In order to qualify, you must: (1) deposit a minimum of USD 100 (in a single or multiple transactions) between 4pm on 26 June 2025 and midnight 4 July 2025 (UK time); (2) leave the initial minimum deposit in the investment account for 60 days ('the holding period') (moving across stocks is permitted), and (3) ensure that you abide by our General Terms of Service.
There is a limit of one bonus per customer. Qualifying customers will receive a bonus of USD 20 into their multi-currency nsave account within 7 business days after the holding period.nsave reserves the right to modify or terminate this offer at any time.
Please note that the value of your investments, and the income or capital entitlement which may derive from them, if any, may go down as well as up and is not guaranteed; therefore you may not get back the amount originally invested.
Ktrade Promo - Invest & Win Up to $500
This offer ("Promotion") is open to nsave users who have not deposited any funds into their account (“eligible users”). The first 500 eligible users who deposit $20 USD in a single transaction via bank transfer or card top-up (excluding nsave to nsave transfers) between 26.07.25 and 02.08.25 will receive a bonus of $5 USD into their account within 1 week of the deposit. Only one bonus per user. Deposits below $20 USD do not qualify. nsave reserves the right to modify, suspend, or terminate this Promotion at any time without notice (including closing it early if the 500-user limit is reached).
For 7 days commencing on July 18 (UK time), nsave users who invest in stock for the first time will be eligible to win a share of $500. The top 5 investors (by total invested) will split the prize proportionally (e.g., if you invest 30% of the top 5s total, you will get $150). Winners will be notified within 5 business days of the promo ending with prizes credited to their nsave USD account.
nsave Referral Promo – "Earn $10 for You & a Friend"
Refer a friend to nsave using this link and earn $10 each. To qualify, your friend must open an nsave account, deposit and maintain a balance of at least $20 for one month (“retention period”) from the date of deposit. Rewards will be paid within 7 days of the retention period ending.
Instagram Weekly Giveaways Terms & Conditions
1. Organiser & Eligibility
1.1. This promotion (“Giveaway”) is organised by nsave (the “Organiser”).
1.2. The Giveaway is open to individuals aged 18 and over, excluding the Organiser’s employees, affiliates, and family members.
2. Promotion Period
2.1. The Giveaway runs weekly for 24 hours from the time of posting.
2.2. Entries outside this timeframe will be disqualified.
3. Entry Requirements
3.1. To enter, participants must:
a) Follow the relevant account (official accounts include: @nsavecom; @nsave.mena; @nsave.bd; @nsave.ng.)
b) Like the specific Giveaway post;
c) Comment the correct answer, as instructed in the caption.
3.2. Only one entry per person per Giveaway is allowed. Multiple comments or tags will be treated as a single entry.
4. Prize
4.1. Each week, one winner will receive the prize described in that week’s Instagram caption (“Prize”).
4.2. The Prize has no cash alternative and is non-transferable.
5. Winner Selection & Notification
5.1. A winner will be selected at random by the Organiser within 24 hours after the conclusion of the Promotion Period.
5.2. The winner will be notified through Instagram Direct Message and must respond within 24 hours with account details.
5.3. If the winner does not respond in time, an alternative winner may be selected.
6. Delivery of Prize
6.1. The Organiser will provide the Prize via the winner’s nsave account within 7 (seven) days of the winner’s response.
7. Privacy
7.1. Participant personal data will be processed in line with the Organiser’s Data Privacy Policy.
8. Liability & Disqualification
8.1. The Organiser reserves the right to disqualify participants who breach these terms and conditions or manipulate any processes..
8.2. The Giveaway is not sponsored, endorsed, or administered by Instagram.
8.3. The Organiser is not liable for any entries which are lost due to technical failure, or delayed/unclaimed prizes.
9. Governing Law & Disputes
9.1. This Giveaway is governed by the laws of England & Wales.
10. Miscellaneous
10.1. The Organiser reserves the right to amend, suspend or cancel the Giveaway at any time.
$2 for NG onboarded users <48h
This offer ("Promotion") is open to Nigerian nsave users who complete their onboarding process and become active users in less than 48h of signing up. Promotion starts on August 6 till August 18. nsave reserves the right to modify, suspend, or terminate this Promotion at any time without notice.
Receive your salary through nsave
Invited customers have the chance to earn up to 2% of their salary when this is paid into their nsave account (capped at $20). To qualify, customers must complete the form shared. The customer must arrange for their salary to be paid in this month from their employer's bank account (payments into third-party nsave accounts are excluded) . The bonus is calculated by reference to the deposited salary. For users receiving their salary for the first time via their nsave account.
nsave Hustler Program
- What you get: Cashback for the first month's fee on eligible subscriptions using the nsave card.
- The Cap: Total cashback is capped at $25 per person, you can get as many subscriptions within that threshold.
- How it works: Pay with your nsave card. We'll automatically refund the cost within 24 hours.
- Eligibility: Only valid for the specific platforms we've listed.
- Deadline: Your payment must be made before October 10, 2025.
Eligible platforms: Claude Pro - $20, ChatGPT Plus - $20, Upwork Freelancer Plus - $27, Perplexity Pro - $20GitHub Copilot Pro - $10, Cursor Pro - $20, GitHub Pro - $4, ElevenLabs Starter - $5, Pika Labs - $8, Leonardo AI Apprentice - $12, Figma Pro - $20, Canva Pro - $15, Framer Mini - $5, Balsamiq Business - $12, Whimsical Pro - $12, Motion - $19, Notion Business - $20, Notion Plus - $10, Trello Standard - $5, Asana Starter - $10.99, Confluence Standard - $6.05, ClickUp - $10, Calendly - $10, Grammarly Premium - $15, Slack Pro - $8.75, Google One (2TB) - $9.99, Dropbox Plus - $11.99, 1Password Individual - $2.99
