Help Center

As Blackthorn is not a bank, but a payment service provider, your money won’t be protected by the Financial Services Compensation Scheme (FSCS).

Instead, your money will be protected through a process known as “safeguarding”.

Please refer to our Terms and Conditions.

Unlike a Sterling/GBP account, which only supports GBP payments/transfers, with a Multi-Currency account you can send and receive different currencies within the same account (using the Multi-Currency IBAN).

For GBP payments you need to use a dedicated GBP/Sterling account as Multi-Currency account doesn't hold GBP.

Please note: Individual accounts are currently linked to the platform you are signing up with, this means that if you signed up/logged in via the App you can only access through the App, this is the same for the Web portal.

Individual Account

The Multi-Currency account for Individuals holds 11 currencies:

Corporate Account

The Multi-Currency account for Corporates holds 25 currencies:

We offer the following payment types: BACS, Faster Payments, SWIFT and SEPA, CHAPS.

Check here how to create a Currency Account (with IBAN).

Our Approach to Security

When it comes to your financial information, your security is our top priority, therefore, when you access your account, it is important that we know it’s you. Here is how we do that:

Log in details – when you join Blackthorn you set up log in details unique to you. This will be your email address and password. We strongly recommend that you should not share them with anyone else.

Strong Customer Authentication (SCA) – The introduction of SCA legislation by the EU in 2019 in increasing security further. This means setting up two independent sources of validation to use when you access your account.

Providing Information – at Blackthorn, we will never ask you for your password. We will also never ask you to share your screen or download a third-party app. We will always send you an email or push notification first if we are trying to contact you.

Please be aware of scams and ‘phishing’ emails. If you are unsure, please send a screenshot of the email to us at help@blackthorn.finance first before responding.

How to Report a Fraud

If you notice something suspicious and believe it could be fraudulent, we recommend that you get in touch with us as soon as possible.

Reporting Fraud: help@blackthorn.finance

Suspicious Emails: help@blackthorn.finance

How to Protect Yourself from Fraud

Help to keep yourself safe from fraudsters by following the tips below. Remember, if you’re ever unsure, don’t act. A genuine company will never rush you to take action.

Always make sure your mobile telephone number and email address registered with us is up to date, we will use these to contact you if we notice unusual activity on your account.

Some tips for using your account safely

When accessing your Blackthorn account online:

• Use an antivirus software and firewall

• Make sure you keep your computer and browser up to date

• Use secure networks

• Use strong passwords

• Don’t share any passwords including one-time passwords sent to you

When using a mobile application:

• Only install apps from recognised app stores

• Consider the app ratings and reviews

• Be aware of what permissions you are granting

• Treat your phone as your wallet

Remember, if you decide to donate, resell or recycle an old mobile phone, computer, laptop or tablet, make sure you fully remove all data and apps first as otherwise these may be accessed by whoever your device is passed to.

To be eligible to open an Individual Account with Blackthorn Finance:

• You must be over 18 years old

• You must be able to provide a valid proof of identity and address not older than 3 months

• Employed or able to demonstrate your source of income

• Be resident in a country which falls within our risk propensity

Please note: Individual accounts are currently linked to the platform you are signing up with, this means that if you signed up/logged in via the App you can only access through the App, this is the same for the Web portal.  

Individual Accounts

Here the list of the 12 currencies that you can exchange, send and receive on your Individual Account:

Corporate Accounts

Here the list of the 25 currencies that you can exchange, send and receive on your Corporate Account:

For Individual Accounts:

• We provide real-time FX conversions at a highly competitive rate

• Multi-currency Blackthorn IBANs in 12 currencies allowing you to spend like a local in over 120 countries

• Send and receive local and international payments

• Local payment remittance in over 120 countries globally

Coming soon:

• Debit and Virtual cards that are linked to our multi-currency accounts

For Corporate Accounts:

• We provide real-time FX conversions at a highly competitive rate

• Multi-currency Blackthorn IBANs in 25 currencies allowing you to spend like a local in over 200 countries

• Global E-commerce card processing and local payment method solutions

• We offer a multitude of payment with access to BACS, Faster Payments, SWIFT and SEPA, CHAPS.

In pipeline:

• Debit and Virtual cards that are linked to our multi-currency accounts

Blackthorn is not a bank and the relationship of Blackthorn with you is not that of a bank or trustee. 

Your payments do not carry the benefit of any interest and our services do not have the benefit of any government-backed insurance, guarantee or compensation scheme (for example, no compensation is available from the Financial Services Compensation Scheme if we are unable to meet our liabilities).

Blackthorn Finance Limited is registered as an Authorised Payment Institution and 

is authorised by the Financial Conduct Authority (FRN 927408) under the Payment Services Regulations 2017 for the provision of payment services.

We are also registered with Her Majesties Revenue and Customs (HMRC). Click here to view the record on the FCA website. 

We also partner with Swipe International Ltd for the provision by them to you of an electronic money wallet 

If you want to close any of your accounts or the user Account (Individual or Corporate), please contact our Support Team via our Live Chat or email at help@blackthorn.finance.

We take the security of our customers' money extremely seriously. 

Although your money is not protected by the Financial Services Compensation Scheme (FSCS), we will use reasonable care and skill in providing the Services to you.

Your money is held in secure safeguarded bank accounts.

Safeguarding segregates your funds from our own by placing your funds in a separate account. This protects your funds and ensures your funds can only be used to complete the payment as instructed or, should that be impossible, the funds are returned to the original payer.

You can contact our Support Team via our Intercom Live Chat or email at help@blackthorn.finance.

Our Support Team is available during business hours, Monday to Friday 9:00 am to 5:30 pm UK time.

We suggest contacting us from the platform you signed up with since if you signed up/logged in via the App you can only access through the App, same for Web portal.

Using the Mobile App:

Once you are logged in, click on Support in the top right corner, the chat will open and you can start a conversation with our Support Team.

Using the Web Portal:

Go to https://client.blackthornfs.com/sign-in, you will see the chat icon in the right bottom corner of the page, click on it and the chat will open and you can start a conversation with our Support Team.

Telephone:

Calling the +44 20 3318 2401 (Monday to Friday 9:00 am to 5:30 pm UK time).

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