Regulatory Information

Last updated: 5 November 2026

1. About Zivra

Zivra is a financial technology platform designed to simplify rent payments and reward everyday spending.

Zivra provides the technology, software and user experience through which customers may access payment-related services and rewards.

Zivra is operated by:

Zivra B.V.
Legal form: Private Limited Company
Registered address: Keizersgracht 520, 1017 EK Amsterdam, The Netherlands
Chamber of Commerce (KVK) number: 42200298
Email: legal@getzivra.com
Website: https://getzivra.com/

2. Banking and Payment Services

Certain financial services available through Zivra are provided by independent regulated financial institutions and payment service providers.

Depending on the services offered, these institutions may be responsible for:

  • Opening and maintaining customer payment accounts.
  • Issuing payment cards.
  • Processing incoming and outgoing payments.
  • Executing SEPA transfers.
  • Safeguarding customer funds.
  • Conducting customer identification and verification.
  • Meeting applicable anti-money laundering and counter-terrorist financing obligations.

The relevant provider's legal identity, regulatory status and applicable customer terms will be disclosed to customers before they enter into the relevant financial services agreement.

3. Regulatory Status

Zivra B.V. operates as a technology platform and does not present itself as a bank or deposit-taking institution.

The provision of regulated financial services is subject to the applicable agreements and regulatory permissions of the relevant financial service providers.

The precise regulatory status and role of Zivra in relation to payment initiation, payment execution, customer funds and financial services are determined by the actual operating model and applicable law.

Nothing on this website should be interpreted as representing that Zivra itself holds a banking or electronic money licence.

4. Customer Funds and Safeguarding

Where customers access payment accounts through a regulated financial partner, the relevant partner is responsible for the applicable safeguarding or deposit-protection arrangements.

The protection applicable to customer funds depends on the legal nature of the account and the regulated institution providing the service.

Electronic money safeguarding should not be confused with deposit protection under a bank deposit guarantee scheme.

Customers will receive relevant information about the protection applicable to their funds from the financial service provider.

5. Payment Services and Customer Agreements

Before using financial services through Zivra, customers will be provided with the applicable terms and disclosures of the regulated provider.

These may cover:

  • Payment account terms.
  • Payment execution and authorisation.
  • Cardholder terms.
  • Payment fees.
  • Complaints procedures.
  • Applicable customer protection rights.

6. Complaints

For complaints relating to Zivra's technology platform:

Email: legal@getzivra.com

For complaints concerning payment accounts, card services or payment execution, customers may need to contact the regulated financial institution responsible for the relevant service.

The relevant provider's complaints and dispute-resolution procedures will apply.

7. Regulatory Authorities

Customers can consult the following authorities for information about financial services regulation:

8. Contact

Zivra B.V.
Keizersgracht 520
1017 EK Amsterdam
The Netherlands

KVK: 42200298

General enquiries: hello@getzivra.com
Legal enquiries: legal@getzivra.com
Payment enquiries: banking@getzivra.com
Support: support@getzivra.com

Website: https://getzivra.com/