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Welcome to Torch Global 
Frequently Asked Questions Section

Please check carefully whether the answer you are looking for is included in the frequently asked questions. If you cannot find what you are looking for, please contact us. We continue to improve our FAQ section to serve you better.

  • I am a business owner, how can I order a Torch Business Card?
    Businesses have the option to download torchglobal.app on their Apple or Android devices, enabling them to swiftly and effortlessly input their details, initiate their accounts, and request their card orders in just a matter of minutes. For additional support, feel free to reach out to us at business@torchglobal.app.
  • I am a community, charity or NGO manager. How can I cooperate with you?
    Our primary objective is to provide assistance to non-profit organizations. For inquiries, please reach out to us at community@torchglobal.app. We appreciate your understanding as we may experience high volumes of communication, and we will aim to respond within 2 to 5 business days.
  • Will I be provided with an IBAN upon opening an account?
    Torch Global offers its users an IBAN for seamless domestic and international money transfers.
  • Is it possible to use my Torch Card abroad?
    You can use the Torch Card in any country where .......... is acknowledged, but please be aware that usage fees and charges may differ from country to country.
  • Is Torch a bank?
    Torch functions as a financial services provider, not a traditional bank, and offers payment card solutions to individual users. In collaboration with our partner Orenda Finance, we offer prepaid cards along with an e-money account that includes features such as a sort code, account number, IBAN, and card.
  • What is the process for making a donation with the Torch Card?
    The Torch Card is a pre-paid payment card for end users, enabling users to allocate up to 50% of the generated income from the card to a non-profit organization of the user's choice.
  • How can I invite my friends?
    Feel free to distribute the link here to invite your friends. We appreciate your referrals and the support in our mission to make a positive impact.
  • How often can I change the non-profit organization I want to support?
    You have the flexibility to change the nonprofit organization you want us to fund.
  • If the non-profit organization I wish to support is not listed, what are my options?
    If you don't find the institution you wish to donate to in our provided list, you have the option to select from the institutions available until your preferred one is added. Furthermore, you can suggest an institution that isn't currently listed. We will reach out to the suggested institution and keep you updated once they are added to our list.
  • How do I view my Account details?
    Login to your Torch Web App and on the right hand side simply click View Account Details.
  • How do I close my account?
    Send an email to support@torchglobal.app confirming that you would like the account to be closed and the reason and we will take action and confirm back.
  • Where can I find the Terms & Conditions?
    If you open the website and scroll down to the footer, you will see it at the bottom of the page.
  • Set Up Google Authenticator on Your Account
    - A QR code will be presented on the screen. - Open the Google Authenticator app on your mobile device. - Tap the button to add new account. - Choose the Scan a QR code option. - Use your mobile device's camera to scan the QR code displayed on the website or app.
  • Do you offer interest on my account balance?
    No, currently we do not offer any interest on account balances.
  • Do you offer an overdraft on accounts service?
    We do not offer this product currently.
  • Verify the Setup
    - Google Authenticator will now display a time-based verification code for your account. - Enter this code in the website or app where you are setting up 2FA.
  • Can I create a customised PIN for my card?
    Once you have received your physical card, you can change your PIN in the Cards section of your Torch App. The new PIN will need to be authenticated at an ATM before the card can be used.
  • Web App:
    - Install Google Authenticator - Go to your mobile devices app store (Google Play Store for Android or App Store for iOS). - Search for Google Authenticator and install the app.
  • What is required to sign up for an account?
    You need to be over 18 years old and provide proof of identification using either a Passport or Driving License.
  • Is it possible to upgrade a personal account to a business account?
    This is not possible, but you can open a separate business account.
  • I am under 18 years old, can I open an account?
    As per our Terms and Conditions, if you are under 18 years old, you are not eligible for an account.
  • How long before I receive my physical card?
    You can use your virtual card for online transactions immediately, but the physical card can take up to 10 working days to be delivered by mail services which operate in the UK and Europe.
  • Do you offer credit cards?
    Currently, we do not offer credit to individual or corporate account holders.
  • Can I download statements?
    Yes. Navigate to the Transactions section in the Torch Web App, and click on the mail icon on the top right. This will allow you to have the monthly statement emailed to the address we have on file.
  • Can I open more than one account?
    You are allowed one personal and one business account. If you have more than one business with the same owner, you are able to register another business account for that company.
  • I have received my physical card, can I still use my virtual card?
    Yes. You can use both your physical and virtual cards to make transactions.
  • How do I log into the APP? Mobile App:
    - Simply download the app from the iOS or Android App Store and login using your credentials.
  • Use Google Authenticator for Login
    - The next time you log in to your account, enter your username and password as usual. - Open the Google Authenticator app on your mobile device. - Find the time-based verification code generated for your account. - Enter this code in the login screen of the app or website.
  • How do I activate my card?
    Simply log into the app and click on the Card button followed by clicking the Activate Physical Card button.
  • What is the daily limit for my transactions and what is the cost for withdrawing at an ATM in my country?
    - These can be found in the Fees section of your Torch App.
  • Lost Cards and/or Forgotten PINs:
    I have forgotten my PIN number - You can reset your PIN in your Torch App, PLEASE NOTE: Your new PIN will need to be confirmed at an ATM before being able to make any transactions.
  • I lost my card / it has been stolen - what can I do?
    - Simply login to your Torch App, and navigate to the Cards section. Here you can block or cancel your card and then order a new one.
  • Can I raise my limits?
    - The limits are agreed and set by our banking partners after approval has been given by Visa. Therefore any requests for changes to these would need to be agreed by them following a business case review.
  • Do I have a credit limit?
    - The card is not a credit card and it carries zero credit limit. You can only spend the funds that are loaded onto the card account.
  • Can I make cash payments into my account or make payments at the post office?
    - No, you can only load the account(s) with funds transferred from another bank account.
  • How can I make Contactless Payments?
    - To activate contactless payments with your card, a payment entering your PIN number will be required first. After your first payment has been completed, contactless payments will then be activated.
  • I have made a purchase for an amount higher than my current balance, what will happen to the payment?
    - If your purchase amount is more than what you have available in your balance, the purchase will be declined.
  • Can I use this account with Apple Wallet?
    - This functionality is being developed.
  • Can I receive a swift payment into my GBP account?
    - We don’t currently offer SWIFT payments.
  • Does my card work with PayPal?
    - Yes, your card will work where ......... is accepted.
  • I cannot see the payment, even though it said ‘successful’. How long does it take for a payment to reflect in my Account?
    - First step is to confirm with the sending bank that the funds have been processed. If a transfer was done using Faster Payments, it should only take a couple of hours. If it was done via BACS, it can take up to 72 hours (3 business days) to reflect in your account. Take note that transactions made over a weekend or on a public holiday will affect the timing. If you struggle to locate the payment, contact our support team with the proof of payment, full details of the account holder and email address. Please note response times for payments are 72 business hours.
  • My funds have not arrived yet, why is this?
    - If you have transferred funds from another UK Bank account by Faster Payments (FPS), it can take up to 2 hours for funds to be received into your account. If you still have an issue, please contact us for further assistance.
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