Legal Agreements

Monexa Investment Bank operates as an authorized payment institution, subject to the supervision of competent financial regulatory authorities. Our activities are governed by the Payment Services Directive (PSD2), the General Data Protection Regulation (GDPR), and European Anti-Money Laundering Directives (AMLD).

Opening an account constitutes the conclusion of an account agreement between you and Monexa Investment Bank. This agreement defines the rights and obligations of each party, terms of use for the services, applicable fees, and account closure procedures. It enters into force upon validation of your registration and identity confirmation.

By initiating a transfer, you grant Monexa Investment Bank an irrevocable mandate to execute the operation according to the instructions provided. You certify that you are the lawful owner of the funds transferred and that the operation complies with applicable laws. Monexa Investment Bank cannot be held responsible for instruction errors made by the ordering party.

By using our services, you consent to the processing of your personal and financial data as described in our Privacy Policy. This processing is necessary for the performance of the banking services contract and compliance with our legal obligations. You can withdraw your consent at any time, subject to the closure of your account.

In accordance with our regulatory obligations, you agree to cooperate fully with our identity verification and transaction monitoring procedures. You pledge not to use our services for money laundering, terrorist financing, or any other unlawful activity. Any failure to meet these commitments will result in the immediate termination of the contract.

Monexa Investment Bank is committed to maintaining 99.9% platform availability on an annual basis, processing transfers within regulatory deadlines (1 business day for SEPA transfers, 1 to 5 business days for SWIFT transfers), and responding to customer support queries within 48 business hours.

All components of the Monexa Investment Bank platform (interface, logo, design, source code) are protected by intellectual property rights. Any unauthorized reproduction, modification, or use is strictly prohibited.

Either party may terminate the account agreement with 30 days' notice. Monexa Investment Bank reserves the right to immediately terminate the agreement in case of violation of these agreements, suspicion of fraud, or upon order of the competent authorities. Available funds will be returned within 30 days following closure.