BEACCOUNT is a registered company in the UK under company number  12600349 and has it’s the registered office is: One Canada Square, Canary Wharf, London, England, E14 5AB.

BEACCOUNT is regulated by the Financial Conduct Authority (FCA) with Firm Reference Number 937539, as an Authorised Electronic Money Institution (EMI) providing payment and electronic money services to private and corporate clients. As such we’re required to have in place effective and transparent procedure for the reasonable and prompt handling of complaints in relation to the services we provide.

This Policy outlines how we handle any complaints that we receive and complies with our regulatory requirements.



If you are a client of BEACCOUNT, we would encourage you first to speak to your Account Manager either by calling her/him or by sending him/her an email in an attempt to resolve your issue.

However, if that is not successful or if your complaint involves your Account Manager, please email us at and our Complaints Officer will contact you directly.



Your complaint will be logged in our system and a designated BEACCOUNT team member will be allocated to handling your matter.

We would like to assure you that the team member handling your complaint will be an experienced member of staff and, where appropriate, someone who was not directly involved in the matter about which you are raising a complaint. They will have the authority to settle your complaint or will have access to someone who has such authority.



Step 1 – The designated team member will acknowledge receipt of your complaint, either by post or by email, within 5 business days.

Step 2 – We will carry out a thorough investigation into your complaint and you should get a response and an explanation.

Step 3 – If you are not happy with our response, you are invited to provide your comments particularly if we have omitted something that you consider of relevance to the matter.

Step 4 – BEACCOUNT will provide you with a final response of the initial complaint, confirming our position on your complaint and setting out our conclusions.

Step 5 – If you are not happy with our final resolution you can refer your complaint to the Financial Ombudsman Service.



We aim to resolve your complaint and issue our final conclusions within 15 business days of receiving your complaint.

However, in exceptional circumstances, if we cannot give you a final response within that time period, we will contact you to let you know why not and to confirm when you can expect to receive a substantive response from us.

In any event, we will send you a final response within 35 business days of receiving your complaint.



If you remain dissatisfied with our final response, you may be eligible to refer your complaint to the Financial Ombudsman Service (FOS). Although this service is free of charge, there are a number of conditions you should be aware of:

  1. You must contact them within 6 months of the date of our final response. If you do not, the FOS will not have our permission to consider your complaint and will only be able to do so in exceptional circumstances.
  2. The FOS only handles complaints raised by eligible complainants namely:
  • consumers;
  • micro-enterprises (businesses employing fewer than 10 persons whose annual turnover and/or annual balance sheet does not exceed EUR 2 million);
  • charities (whose annual income is less than £6.5 million);
  • a small business at the time you refer the complaint to BEACCOUNT (annual turnover less than £6.5m; and (i) employs fewer than 50 employees; or (ii) has a balance sheet total of less than £5m;
  • guarantors (individuals who are not consumers and have given a guarantee or security in respect of an obligation or liability of a person which was a micro-enterprise or small business as at the date that the guarantee or security was given).
  1. The FOS will only consider complaints about regulated products and services.

To contact the Financial Ombudsman Service, a complainant is advised to write or telephone or email their situation to:

Financial Ombudsman Service

Exchange Tower


E14 9SR

Telephone No.: 08000234567




Our regulator, the FCA, obliges us to keep a record of each complaint received and the measures taken for its resolution. We retain these records for a minimum of 5 years from the date the complaint was received.

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