Bundle duration
The standard duration (bundle period) for TTMM bundles is 30 days.
Any exceptions for promotional offers will be specified on the website, before purchase, or in the relevant offer's terms and conditions document.
Data allowance
Data allowance in all bundles is for use in the UK and the EU. These bundles are for personal use only and are subject to your acceptance of our standard terms and conditions. Please note that the terms state that you are not allowed to use our network for commercial purposes.
Data rollover
When purchasing a new bundle or renewing your current bundle, your previous bundle and any remaining allowances will expire at the time your new bundle commences. If you renew your bundle or order a new bundle before the end of the 30-day Bundle Period, any remaining data allowance will not be rolled-over into the next period.
Unlimited Calls & Text
All plans include unlimited calls and texts. Unlimited calls include: standard UK landlines (starting 01, 02 and 03), free phone numbers (starting 080), standard UK mobile numbers (starting 07) and calls within countries that fall under our EU Roaming offer.
Auto Renewal
This is how we provide you seamless data connectivity. If there’s enough credit on your balance when your bundle expires, the same bundle will be automatically renewed for another 30 days.
To make sure the credit is available, you can set up a recurring payment within the TTM app.
Pay As You Go
In the case that at the end of the 30-day bundle period, your bundle was not renewed, or you haven’t switched to a different bundle, you will be charged at our Pay As You Go (PAYG) rates for all subsequent calls and SMS. Please do note that in this case you will be unable to access data until you purchase a new bundle containing data allowance.
Voicemail
To reach voicemail simply dial 1233 from your TTM Mobile phone number.
What is 5G?
5G is the latest mobile communications technology, now coming into use in the UK. If your phone and your network supports it, you will use 5G to connect to the internet when you’re out and about - just as you use 4G (and older technologies such as 3G) at the moment.
5G aims to make your mobile internet faster and more reliable - up to ten times faster than 4G. And regardless of what anyone says it has nothing to do with COVID-19 :)
Does TTMM support 5G?
Yes we do! The team has been working hard to make this happen, and TTM proudly launched 5G on August 1st, 2022
Does my phone support 5G?
If you are using one of the latest flagship smartphones, most likely that is a YES. If unsure, please check with your phone manufacturer.
Here is an incomplete list of popular 5G enabled devices:
- Apple iPhone 13, 13 Pro, 13 Pro Max, 13 min
- Apple iPhone 12, 12 min
- Samsung Galaxy S22, S22+, S21 FE, S21 5G
- Samsung Galaxy Z Flip3, Z Fold3
- Samsung Galaxy A13, A33 5G, A53 5G
- Google Pixel 6a, 6 Pro
- Honor Magic 4 Pro 5G, Lite 5G
- Xiaomi 12, 12 Pro
- Sony Xperia 10 IV
What is To The Moon Finance (TTM Finance) and why should I use it?
TTM Finance offers you instant access to a debit account with both virtual and physical MasterCards available for your everyday use.
Our main features:
No ID required to open your account
Your TTM Finance account and Mastercards are just a few clicks away. There is no need to go through the hassle of having to upload documents or IDs to create your account. However, we do recommend verifying your ID to increase your spending limits and get access to additional features
Quick ID check to increase monthly limit to a £5,000
To upgrade your limit to £5,000, you will only need a selfie and a photo of your ID. We may ask for proof of funds if you require a limit higher than £5,000 per month.
£0 per month
No subscription fees, no hidden payments, no surprises.
TTM Finance is brought to you in collaboration with Dzing Finance Ltd. The company Dzing Finance Ltd. is an FCA regulated company, which means that they have a FCA electronic money institution (EMI) license and are authorized under the Electronic Money Regulations 2011. You can find out about Dzing Finance Ltd regulatory permissions by visiting www.fca.org.uk or register.fca.org.uk
Where is TTM Finance based? Do you have offices in the UK?
Our HQ is located in London.
We are promoting a new approach of managing mobile services and money. Nowadays you can perform any financial transaction with a tap of your finger. So we choose to keep our costs down by not having traditional branches – and offering a digital-only service.
Rest assured, we are always here to help. If you’d like to chat to one of our team members or send us a message, just get in touch via our convenient in-app Chat or other communication channels.
Can I talk to real people at TTM Finance?
Yes, we have a team of friendly customer service specialists ready to help you with any questions that may arise. No bots - only personal communication.
You can chat with us in-app, use the web chat on our website, send us an email, or contact us on WhatsApp or Facebook Messenger l if you require any help.
Email customerservice@tothemoonmobile.com
We are available Monday to Saturday : 9am – 5pm
Is my personal information safe with TTM Finance?
Is my money safe with TTM Finance?
The funds available on your TTM Finance account are always visible in the Finances section of the TTM mobile app, and will be securely held in a segregated client account at a UK bank in full accordance with FCA requirements and the Electronic Money Regulations 2011.
FSCS protection does not apply to your account, however the money in your account (which is an electronic money account) is required to be held in a different way to money in bank accounts. It must be held in a completely segregated manner, which means that both TTM Finance and Dzing Finance Ltd. (as providers of the service) have no access to your funds. We cannot use them in any way – for reinvestment or so on.
If TTM Finance or Dzing Finance Ltd. should become insolvent, your money cannot be touched and would continue to be kept safe within UK bank for you.
Who is TTM Finances regulated by?
TTM Finance services are provided for you in collaboration with Dzing Finance Ltd. Dzing Finance Ltd has an electronic money institution (EMI) license from the UK’s financial regulator, the Financial Conduct Authority (FCA). FCA firm reference number is 900993. You can find out about regulatory permissions by visiting www.fca.org.uk or register.fca.org.uk
Is TTM Finance a bank?
No, TTM Finances is not a bank. Our partner Dzing Finance Ltd. authorized by the Financial Conduct Authority (FCA) as an e-money institution (FRN 900993). The e-money license allows us to offer debit cards and current accounts. You can find out about our regulatory permissions by visiting www.fca.org.uk or register.fca.org.uk
Who can open an account in TTM Finance?
A Customers aged 18 and over.
How can I open an account?
Simply download the TTMM app and follow the on-screen prompts to sign up. Once your account is active, we will automatically open GBP and EUR accounts and issue a Virtual Mastercard for you.
You can dive into TTM Finance, top up your account - and start spending!
The minimum age requirement to open an account is 18 years old.
What are the limits on my account?
If you decide to increase your limit to £5,000 per month, all you need to do is upload a valid ID and make a selfie within the app. What kind of ID to upload: - A valid and signed EU or UK National passport - A valid EU national identity card (front and back) - A valid UK driving license (front and back) - A valid and signed non EU or UK National passport If you do not hold an EU or UK National passport, we will ask you to additionally provide proof of residence. Limit £50,000 You can further increase your limit up to £50,000 per month by providing proof of funds. This can be employment, investment, or welfare. The limit will be set individually to match your income.
I haven’t received the verification Email
We will ask you to verify your Email and set a Password for your mobile app (and PIN/face id/touch id if you prefer), to make sure it is safe to use. If you can’t find your verification email, here are some things you can try: Check your spam/junk folders. Sometimes our emails end up in there, but you can stop this happening by adding customerservice@tothemoonmobile.com to your safe senders list; Double check that you’re looking in the inbox for the email address that you’ve provided; If you still can’t find it, reach out to customer support and we can check to make sure there aren’t any typos in your email address.
Will my card be accepted anywhere?
Your To The Moon debit card can be used in any location where Mastercard cards are accepted.
Why am I not able to download the TTM app?
If you live in the UK and you are not able to download the TTM app, it’s possible that your app store’s region is set to a country that we don’t yet support.
In order to change this, follow the instructions for Google Play Store
here and for the Apple Store
here.
Why couldn’t I successfully open an account in TTM Finance?
Due to the nature of our business, we have strict compliance checks in place. If a prospective customer’s profile does not meet the required specifications as set out by these checks, we are unable to take them on as a TTM Finance account holder. Unfortunately, we are not able to give any more information with regards to this.
Important note - the minimum age to open an account is 18 years
How do I top up my account?
You can top up your account using the following methods:
a) bank transfer – just copy your details (IBAN or SORT) under the ‘Top up’ button. You should initiate a transfer with these requisites from another bank. Please note that inbound transfers are only available for TTM Finance customers following successful ID verification;
b) top up from another card – you can top up from any bank and currency in our mobile App. Since this is somewhat expensive for us, we charge a £1 fee on such transactions to our customers.
What currency can I have my account in?
In British pounds and in Euro.
Can I receive payments from abroad?
Yes, you can. Just share your details for IBAN or SWIFT transfer. You can find them under the “Top up” button. Please note that inbound transfers are only available for TTM Finance customers following successful ID verification.
What if I add money to my TTM Finance account in a currency other than the GBP or Euro?
When you add money to your TTM Finance account, it is added in the currency of your TTM Finance account.
If you send us money by bank transfer in a currency other than the currency of your TTM Finance account;
or you use a debit card and the money arrives in a currency other than that of your TTM Finance account,
this money will be converted into the currency of your TTM Finance account using our standard exchange rates. Your statement will show the exchange rate which was applied on the date that the money was added to your TTM Finance account.
Note: exchange rates are always changing so the exchange rate which applied when you check may not be the exchange rate that was used to convert your funds.
How long will it take for the money to be added to my TTM Finance account?
This depends on the payment method used. If you pay by:
a) bank transfer, we will add money your TTM Finance account at the time that your money has arrived with us in cleared funds; and
b) another card, we will deposit the money in your TTM Finance account at the time your bank (card issuer) authorizes the payment.
What is my Total balance?
Your balance is shown in every currency you own and the grand total is always available in your preferable currency.
How will I be notified about changes to my TTM Finance account balance?
You can easily check your total balance and transaction history of your TTM Finance account on the TTM app. Also you’ll be getting instant push-notifications on your mobile phone for your card transactions.
How do I freeze/unfreeze my account?
You just tap on the account you wish to freeze and press «Freeze this account» in the menu. While the account is frozen it will not allow any transactions to be processed. Even scheduled transactions will be declined. Please note that inbound transfers will still be credited to the account while it’s frozen.
How did I end up with a negative balance?
We do not offer an overdraft service, however, your account balance may show in the negative for the following reasons:
a) Some offline payments may result in a negative balance (for example, when you make a purchase aboard a plane in flight using your card and there is no network connection to your bank to complete the authorization until after it lands);
b)There might be a difference in the rate between transaction and authorization of purchases made abroad. Example: if you buy something in dollars and pay for it in euros at the time of the transaction, the rate may differ.
To rectify this you just need to top up your account using one of the available methods, such as:
- bank transfer
- card top up
Since we do not offer an overdraft service and will not charge a fee or interest due to a negative balance.
What type of card can I order?
We offer you 2 types of cards:
Virtual card
All TTM Finance customers will be issued virtual cards by default, as they are proven to be a safer option when making purchases, and pose less of a theft risk. If you tend to make most of your purchases online— a virtual card is all you need!
When you order a TTMM SIM and activate it, just remember that you'll always have a virtual Mastercard card ready at your convenience.
Physical card
If you want to keep it traditional - order a physical card for in-store purchases.
There are no initial issue fees or delivery fees. You can order one in the TTMM app in less than a minute, and can expect it to arrive within 3 business days. Once the card is received, you will need to activate it via the TTMM app using the last 4 digits on the front.
We provide you with eco-friendly card (
read more on card producer All-pay)
When will I receive my physical card?
Usually within 3 business days from the moment you order it within TTMM app.
It’s easy to order - once you are inside the TTMM app, just tap: Finances, Cards, Order a physical card and follow the instructions. Your new TTM debit card will be sent by Royal Mail to your shipping address. You can also track your estimated delivery day in the cards order menu.
Will I be able to use my physical card prior to delivery?
No, you need to activate your physical card first on the TTMM app using the last 4 digits of your card number.
Can I use my TTM Finance account before my physical card is delivered?
Of course! You don’t need a physical card to start your new finance experience. You can use all of our features - transfer or receive money from your account and make purchases online with your virtual card.
What should I do when I receive my card?
You'll need to activate it. First, check that the 4 digits on the card are the same as the digits shown in the app. To activate, just tap “Activate card”. After you've successfully activated it, you'll need to insert your card in the terminal or any ATM for your first transaction and enter your PIN.
Where can I find my card details to pay online?
To pay for a purchase online, you'll need the card details. To find them - just tap on the specific card and check details on the back side. You can easily copy the needed details – just follow the in-app hints.
What should I do if my card is not delivered?
Usually, we suggest to wait a couple more days for a delayed delivery. If you still haven’t received your card after 5 business days, please contact our customer support. We will cancel your card and offer to reorder a new one free of charge.
What should I do if I lose my card?
If you lose your physical card, you can freeze it on the card details screen in the app. From the moment your card is frozen, we will cancel all card operations that come to us. If you’ve looked everywhere, and are now sure that you can’t find your card, you should unfreeze it momentarily and tap on “Lost or stolen” and we will immediately block it. You will not be able to restore a blocked card once it has been reported as lost or stolen, but you can request to get a new card reissued straight away.
What should I do if my card has been captured by an ATM?
You can find contact information of the ATM provider on the ATM machine to find out what happened to your card. If you don't receive your card back after the call, go to the card details screen for the specific card and tap “Lost or stolen” and we will immediately block it. You won't be able to restore it once it has been reported, but you will be able to get a new card reissued right away.
How do I set/change the PIN for my card?
In order to set or change your PIN, follow these instructions:
Setting your PIN:
1. On your card screen, tap “Activate card”.
2. Set the PIN of your liking (it’s best not to use your date of birth, or the same code you’re using for the app).
3. Confirm the setting.
4. To enable contactless payments, verify your chip and PIN by making a purchase or checking your balance at any ATM.
Changing your PIN:
1. Select the card for which you want to change the PIN.
2. On your card screen, tap “Change PIN”.
3. Set the PIN of your liking (it’s best not to use your date of birth, or the same code you’re using for the app).
4. To enable contactless payments, verify your chip and PIN by making a purchase or checking your balance at any ATM.
What should I do if I forget my PIN?
We don't store your PIN number. Therefore, if you forget it, you can easily reset it on the card details screen.
You only need your PIN for payments with your physical card.
How do I freeze/unfreeze my card?
You can freeze it on the card details screen in the app, just tap the “Freeze card” button.
While it’s frozen you can’t make any transaction from it, but you can still receive incoming transfers onto your account. You can tap the “Unfreeze card” button at any time to unfreeze it.
Can I use my account while my card is frozen?
Sure. You can still use your account to transfer or receive money, or if you have several cards linked to your account – you can still shop with the ones that are not frozen.
How can I set a limit for a card?
For each card, you can set a spending limit on card operations. The limit applies to both cash withdrawals and card purchases. To do so, go into the details of the specific card and set the limit.
How do I cancel my card?
Tap on the card menu and choose the button “Close card”.
Why do I need to verify my identity?
You don’t need to verify your identity to try out our TTM Finance services with a limit of £129 per month. That means you can top up or spend monthly £129 only.
However, if you decide to increase your limit to £5,000 per month you will need to pass a short verification. It's simply an anti-corruption and anti-fraud measure. If you intend to get your welcome bonus – this is one of the conditions you must comply with.
You are required to upload a valid ID and make a selfie within the app. What kind of ID is suitable:
- A valid and signed EU or UK National passport
- A valid EU national identity card (front and back)
- A valid UK / EU driving license (front and back)
- A valid and signed non EU or UK National passport
If you do not hold an EU or UK National passport, we will ask you to additionally provide proof of residence.
Please note – we cannot accept PDFs or scanned documents due to security restrictions. You should take a picture of your ID with your mobile phone camera.
You can further increase your limit up to £50,000 per month by providing proof of funds. This can be employment, investment, or welfare. The limit will be set individually to match your income.
How do I verify my identity?
Just follow the easy 2 step-process within the app. Be ready to upload a photo of your ID and your selfie.
Inside the Finance tab, tap on the button with three short lines on it. This will produce a slide-out menu where the "Limit Upgrade”" button will become visible. By tapping this button you’ll be able to start the verification process. Please provide good quality pictures and the process should normally take no longer than an hour. You can check your verification status within the app. If you face any issues, please don’t hesitate to reach out to our support team.
What type of ID do you accept?
- A valid and signed EU or UK National passport
- A valid EU national identity card (front and back)
- A valid UK / EU driving license (front and back)
- A valid and signed non EU or UK National passport
With non EU or UK National passport, we will ask you to provide proof of UK residence.
I’m struggling to upload my ID. What should I do?
The technology used to process documents with your phone camera is particularly sensitive to lighting.
We’ve found that positioning your ID in bright light and making sure there’s no reflective glare on the document (passports in particular can be rather shiny!) is the best way to get a good result.
Another alternative is to use a full UK driving license if you have one. We’ve found that the contrast on these means that the details are easier for your camera to pick up, even in poorer light.
If you’ve tried all of the above and you’re still struggling, just get in touch and we’ll see how we can help.
I have changed my last name. What should I do?
Assuming you have not yet gone through the ID verification process, you can change your personal details in the app settings. In case that you have already confirmed you ID and require changes to your personal data, please contact our customer support and they’ll be able to sort this for you.
How long will it take for my transfer to reach the desired account?
We are obliged by regulation to let you know the maximum timeframes (as set by law) it should take for money to arrive with the beneficiary’s bank from the date you told us to make a payment. We set out these maximum times in the table below. Please note that it usually takes much less time for your money to reach the relevant account.
Payment type - Payment execution time
Payment to a Dzing wallet in any currency - at the time the payment is ordered
Payment in British pounds - within 1 to 2 business days
Payment in other currencies - within 1 to 5 business days
Can I set up a payment to be made at a future date?
You can use the To The Moon Mobile app to set up a scheduled payment to pay a set amount at regular intervals to other people, organizations or to yourself. Just follow hints in the app after your first successful transaction.
Can I cancel a payment once I have asked you to execute it?
You may cancel a scheduled payment at any time up to the end of the business day before the day on which said such payment is due to be deducted from your TTM Finance account.
Please note that cancellation is not possible for payments with immediate execution. If you believe that you have provided us with incorrect beneficiary account details, please let us know as soon as possible. We will attempt to trace this money and let you know the outcome.
Will you ever refuse to execute a payment or delay executing a payment?
Yes, we may do so for one or more of the following reasons:
a) if we are prevented from doing so for legal or regulatory reasons including if we have to carry out further checks;
b) if there are insufficient funds in your TTM Finance account to make the required payment and pay the charge for the payment;
c) if a bankruptcy order is made against you or you’ve entered into an individual voluntary arrangement with your creditors;
d) if a third party prevents us from making the payment. For example, if Mastercard® does not allow a payment or cash withdrawal using your TTM Finance Card;
e) if you owe us money;
f) if we have asked you for important information we reasonably need and you have not given us that information; or
g) if we have suspended your account.
What happens if the money I transferred does not reach its destination?
We will return money back into your TTM Finance account. Please be aware, there may be occasions where we send money on your behalf to a beneficiary account which is not a TTM Finance customer and it is returned to TTM Finance (for whatever reason).
If we had to carry out a currency exchange when we sent the payment - when the money is returned, it will be converted back into the original currency, at the exchange rate at time of return. This means that the amount you receive could be more or less than the amount you originally held in your account. We are not responsible for any losses in such cases.
How do I perform a currency exchange in my TTM Finance account?
You can exchange money from one currency into another by following the instructions on the TTM Mobile app. Before confirming the currency exchange, you will be provided with the exchange rate, the amount of money you wish to purchase and the amount of money you wish to sell.
What exchange rates does TTM Finance use?
When you:
a) exchange money from one currency to another within the To The Moon Mobile app; or
b) spend money using the To The Moon debit card in a currency other than the currency of your TTM Finance,
we will use an exchange rate which is a mark-up on rate which we obtain from the wholesale currency markets.
The exchange rate at the time you spend money using the To The Moon debit card may be different to the one which applies when we carry out the currency exchange and deduct money from your TTM Finance account. You will be able to find out the exchange rate applied on your transactions in the TTMM app.
How does TTM Finance charge me for purchases made abroad?
The Live exchange rate is applied to all transactions.
The Live exchange rate is the exchange rate valid at the moment of the actual transaction (and is based where possible on the ECB and BoE exchange rate) plus our small mark-up.
In some events (e.g. when the currency markets are closed) we apply a small mark-up. This will depend on the specific currency. But in any case, our exchange rate is typically one of the best rates available.
How do I make a payment using the TTM Mobile app?
You can authorize a payment to a different TTM Finance user or to any UK bank account (following successful ID verification) via the To The Moon Mobile app by filling in the following details:
a) the amount and currency of the payment you wish to make;
b) the name of the person, company or institution you want to send the money to;
c) if the payment is to a non TTM Finance account, the account’s SORT code and account number or for international payments the account’s BIC and IBAN or such other information we require.
How to withdraw cash at ATM?
To withdraw cash visit any ATM with the Mastercard logo.
Within the UK and EU
You can withdraw up to £200 without fees every 30 days on a rolling basis
You will be charged £1 & 1% of any withdrawals exceeding the £200 limit
Please Note: Some ATM networks may charge additional fees
Can I withdraw money from any ATM while abroad?
With your To The Moon debit card, you can withdraw cash around the globe. Access your money wherever you are. Just look for a Mastercard® sign.
Travelling within the EU
You can withdraw up to £200 without fees every 30 days on a rolling basis
You will be charged £1& 1% of any withdrawals exceeding the £200 limit
Other countries
Please be aware for any additional ATM fees before making withdrawals
Our fees are constant: £200 for free every 30 days on a rolling basis.
After that, we'll charge you £1&1% on top of the standard ATM fees.
What does “rolling 30 days period” mean?
Your withdrawal limit resets every 30 days on a rolling basis
For example:
You withdraw for the very first time from To The Moon debit card the maximum free limit of £200 on the 1st of July, then any withdrawals made before July 31st will have a withdrawal fee of £1 & 1% per transaction.
Next time you withdraw on 5th of August £30
- Fees – free of charge (since your free withdrawal £200 limit has been reset on July 31st )
- Date of the next limit reset - 4th of September (30 rolling days since this withdrawal)
Next time you withdraw on 18th of August £80
- Fees – free of charge (since you still have 170 pounds from limit and previous withdrawal left )
- Date of the next limit reset - 4th of September (date stays the same because 30 rolling days since first withdrawal in this period hasn’t past yet)
Does Withdrawal amount depend on your account Limit?
Yes. Your overall ability to withdraw cash is dependent on your Account Limit:
Limit 1 - £86 per rolling 30 days / £86 daily/ £86 per transaction
Limit 2 - £5,000 per rolling 30 days / £5,000 daily/ £5,000 per transaction
Limit 3 - £10,000 per rolling 30 days / £10,000 daily/ £10,000 per transaction
