Need a hand? We're here.

AORO Money operates as an electronic money institution licensed by tier-1 European authorities. Funds are held in segregated accounts with partner banks, protected by deposit insurance up to €100,000.

Most customers are onboarded in 5 minutes. You'll need a government ID, a selfie for verification, and a phone number. Virtual card ready immediately, physical in 3-7 days.

AORO AI watches your spending in real time and tells you what's worth knowing — wasted subscriptions, better moments to convert currency, when you're about to overspend, predicted balance, and personalized money-saving tips.

No. Every fee is shown upfront. Standard plan is genuinely free. FX uses mid-market rate with no markup, up to your monthly free limit.

Open the app, freeze the card with one tap. If you find it later, unfreeze. If not, request a replacement — most cards arrive within 3-5 working days. Your virtual card stays active in the meantime.

Yes. Kids accounts are available for ages 6-17 on Premium and above. You set spending limits, block categories, approve large purchases, and assign tasks for allowance.

Cashback is automatic — every eligible swipe earns a percentage back, paid daily. Your rate depends on plan (0.5% to 3%) and category. No points, no claims.

Yes. Upgrade instantly from the app. Downgrade is free, takes effect at the next billing cycle. No contracts, no exit fees.

Anywhere Visa or Mastercard is accepted — 200+ countries, 70M+ merchants. Online, in-store, ATMs, contactless, Apple/Google Pay. Elite and Black also get an AMEX-paired card.

Bank-grade encryption, biometric login, real-time fraud monitoring, instant alerts, freeze with one tap. Funds in segregated accounts with regulated partner banks, deposit protection up to €100,000.