Frequently Asked Questions


Q: What services do you provide?

A: Zeux can provide access to accounts and payment services for customer accounts. These accounts are e-money accounts opened with Modulr (Zeux is licensed to operate as an EMD Agent of Modulr). The accounts can be used to send and receive GBP (UK domestic) and EUR payments (SEPA).The clients can also use the accounts to send or receive international payments.

Zeux Premium Account: Zeux account offered to individual persons (accounts used for personal use).

Zeux Business Account: Zeux account offered to legal persons (accounts offered to entities, companies, businesses incorporated in the UK).

Dedicated Client Relationship Team: Our experienced team of bilingual (Chinese & English speaking) client managers are dedicated to delivering personalised assistance and guidance. They will ensure that you receive the highest level of service, addressing any questions or concerns you may have. If you need any other specialised legal or tax support, our team can refer you to the relevant expert. 

Access to currency conversion: We can help you to convert between different currencies.  

Q: Is the Zeux account a bank account? 

A: No. Zeux is an EMD Agent of Modulr. Zeux provides access to an e-money account and the associated payment services .

Q: How are my funds protected?

A: The funds are protected using a regulatory requirement named “safeguarding”. 
One of the main differences between a bank and an EMD agent or EMI is that banks are allowed to use the money they receive from customers for their own business including to make loans and pay interest. EMIs are not permitted to do this. With EMIs and safeguarding, customer funds are always held with a regulated bank. One of the regulator’s (FCA) strict requirements is that EMIs are not allowed to use customer e-money funds for their own businesses or to lend to other customers, and that all EMIs must protect and ring-fence all of their customers’ funds in a segregated bank account, which is referred to as ‘safeguarding’. More information about how we protect your funds and about safeguarding can be found here.

Q: What happens if Zeux were to cease trading, am I FSCS protected? 

A: Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011. In the unlikely event that we cease to trade, an administrator will be appointed to oversee the refund of customer e-money funds. There may be a short delay to accommodate this process, and some monies could be used to pay the administration costs, however customers should get most, if not all, their money back. Unlike the Government guaranteed bank insurance scheme, FSCS, there is no upper limit to the funds being safeguarded with an EMI. Therefore this means all your money is being protected, subject to the detail outlined above.

Q: I would like to provide feedback to help improve the services and customer experience. How can I do this?

A: We always welcome useful feedback from our customers. You can do this via the app in settings and ‘Give feedback’. Alternatively, send us an email to with the subject line: Feedback. 

Q: How to make a complaint? 

A: We sincerely apologise for any unpleasant experience. Please contact your client manager, send email to, or send post to the following address for raising a complaint:
Zeux Ltd, Berkeley Square House, Berkeley Square, London, United Kingdom, W1J 6BD.

To ensure this is correctly processed please clearly indicate by putting a prefix of “Complaint:” within the email subject matter line or on the letter. 
- We normally respond to certain complaints within 15 business days. If we can't provide a final response, we will explain the reasons for the delay.
- We will provide a final response within 35 business days from the day when you first made the complaint.

Account related

Account opening

Q: How can I open a Zeux Account?

A: Our premium service is tailored for our prestige clients. We only open accounts for the clients referred by our dedicated channels and existing clients. If you have been referred please contact your client manager who will assist you in opening your account.


Q: Are there any fees and minimum balance for opening a Zeux account?

A: For Premium accounts the fee for account opening is £499. A minimum balance of £1000 is required at all times. There is also an ongoing monthly subscription fee of £10 per month that will be deducted from your account automatically each month.

A: For Business accounts the fee for account opening is £2000. A minimum balance of £1000 is required at all times. There is also an ongoing monthly subscription fee of £50 per month for general businesses that will be deducted from your account automatically each month. For digital assets related businesses, the monthly subscription fee will be £300 per month. 

Q: Can I pay the subscription fee in EURO?

A: No, we only accept British Pounds (GBP) for subscription payments for now.

Q:  I would like to receive an international payment, how much will I be charged?

Please refer to the section ‘Receiving/Sending money’ below. 

Card related

Q: What should I do if I lost/damaged my debit card?

A: The following options are available to you: 
- You can directly block your card on the app: Cards > your card > Block card. 
- Inform us by reporting it to your Client Manager or contact our support team at If you need a new card, you can also request a new one via the app. 

Q: How can I request a physical card?

A: You can log in your Zeux app, press ‘card’, and the ‘request new card’ button is on the bottom of the page. The card will arrive within 10 working days.  You will need to activate it before usage.

Q: Why haven't I received my card after requesting a physical card?

A: There are multi-factors that will cause a delay. Here are some possible causes:
- Royal Mail delays or strikes
- Undelivered/ lost due to incorrect address
- Card issuer delay
If you have requested a card but haven’t received it within 10 working days, please contact your client manager or

Q: How much does it cost to request a card?

A: The first physical card you request is for free. For the second and the upcoming ones, the cost will be 4.99 each.

Q: Where can I set up my card security questions?

A: You can set up your security questions on our app: Cards > your card > Security.

Q: Do I need to pay for card payments?

A: We don’t charge any additional fees for card payments.

Q: How can I check my card spending limits?

A: You can view your card payment and ATM limits within the app. Navigate to your card and view ‘Card Limits’ 
Alternatively, please refer to the below information: 

If your card was issued before 17/01/2022:

ATM Withdrawal Limits


Maximum amount (in GBP)







Card Spending Limits


Maximum amount (in GBP)







If your card was issued after 17/01/2022: 

ATM Withdrawal Limits


Maximum amount (in GBP)







Card Spending Limits


Maximum amount (in GBP)







Q: Do you charge fees for cash withdrawal?

A: We do not charge any fees for cash withdrawals from ATMs. However, some fees may be charged by ATM operators.

Q: Will I be charged if I use my card abroad?

A: Zeux does not charge any additional fees when you use your card abroad. However, the exchange rate used will be according to the VISA network exchange rate at the time of payment. Please note you will only be able to use your card where VISA card payments are accepted.  

Q: I mostly make payments with my card online. Can I view my card details without my card?

A: After logging into the app, you may view your card details in the app. 

Q: I’ve made some payments but they didn’t complete but I can see my balance has been deducted. When will my money be returned?

A: During a transaction with a merchant, your card payment is first authorised via card verification and if successful, the transaction will be settled and your balance is deducted. However, sometimes when authorisation has been delayed/not completed, the amount will be held (pending) until authorisation has been completed, this can take up to 7 days. If the authorisation is not successful the pending amount will be returned back to your account. You may see your total pending charges on your statement.   

Receiving/Sending money (including international payments)

Q: What types of payments can I receive into my account?

A: The account can receive payments in EUR and GBP from the UK and EU.

Using your SEPA IBAN, you can receive:any SEPA / Instant SEPA transfers in EURO

For GBP:
Using your GBP sort code and account number, you can receive Faster Payments, BACS and CHAPS payments in GBP in the UK

Q: Receiving international payments: 

A: View your account information in the app to receive money internationally. 

Q: Can I make international payments to other countries?

A: Yes, we also support international payments. You can make payments in EUR and GBP to a UK or EU account. For payments to outside EU and UK please submit a request for sending funds to other countries in our app and your client manager can assist you.  

Q: How much does it cost to receive/send money to a foreign account outside the UK?

A: For international payments, a fee will be applied for each payment. For payment under 10,000 GBP, there is a fixed fee of 50 GBP. For payments above 10,000 GBP, the fee will be 0.5% of each payment.

Q: Can I receive/send large amounts into/from my Zeux account?

A: Yes, you can receive large amounts into any balance with account details. However, We may ask you for more information. If you’re receiving/sending a large amount of money, we may need to ask you about your relationship with the sender/receiver with documentary proofs, or the purpose of the payment. This is a regulatory requirement for us, and it helps us to make sure that our services are safe for everyone.

Q: Is there an upper limit for the account to send/receive money?

A: Yes there is a limit for payments as below


Maximum amount (in GBP)

Single transaction 




Q: Can I deposit cash into my account?

A: We do not accept cash deposits. To add funds you must transfer money electronically, instructions can be found within the app.

Direct Debit

Q: Is it possible to set up Direct Debit on my account? 

A: Yes. Online Direct Debit mandates can be set up using your account. Please note: we do not facilitate Paper Direct Debits mandates. 

Q: Are there any limitations on the amount of direct debits I can set up?

A: Currently no, however please note that direct debits may be cancelled if there are not enough available funds in your account.

Security and Fraud

Q: I don’t recognise a payment/ATM transaction, what can I do? 

A: Please take the time to recall all your recent transactions. There may be some transactions that may show a merchant as a different name from their known trading name or some delayed transactions that have now been completed. 

If you are certain that you do not recognise a transaction you can do the following: - If you believe the transaction has been in error, contact us on and we will provide all available options including unrecognised payments, incorrect or duplicate charges and making a chargeback claim.

Q: How to report a fraudulent transaction?

A: If you think you are a victim of fraud, login to the app and freeze your card, then contact us on as soon as possible to report the fraud. 

Account frozen

Q: What should I do if my account is frozen?

A: If you freeze your account on the app accidentally, please request unfrozen on the app. If it’s frozen for unknown reasons, please contact your client manager or email our support team via

Q: When I make payment on the app or would like to add a new payee, it says ‘Subscription ended, please top up’. What does it mean?

A: It means you didn’t successfully pay the monthly subscription fee. You will need to contact your client manager or and top up your balance by adding funds. 

Account closure

Q: How can I close my account?

A: You can submit a request on the app, contact your client manager or contact us on