Terms and conditions

A West Vanta account is personal to you. You must give accurate onboarding information, keep your contact details current and complete identity verification before full account functionality is enabled.

You are responsible for every instruction authorised with your credentials, transaction PIN or confirmation code.

Internal, domestic and international transfers require a transaction PIN and a confirmation of transfer (COT) code sent to your registered email address. Once a transfer is confirmed it is debited from your available balance and recorded in your statement.

Fees and indicative exchange rates are shown before you confirm. Rates quoted are indicative until settlement.

Virtual and physical cards are issued on request and subject to review. You may freeze, unfreeze or request a replacement card at any time. Cards remain the property of West Vanta and may be suspended where misuse is suspected.

Loan applications are assessed individually. Approved amounts, interest rates and terms are disclosed before drawdown, and repayments are scheduled to your account.

We may restrict, suspend or close an account where verification is incomplete, where we are required to do so by law, or where activity is inconsistent with these terms.

We may update these terms. Material changes are communicated in the app and by email before they take effect.