E-money, payment, card and cryptoasset services are provided through our strategic partners under white-label arrangements. Cards, the portal, compatible EPOS systems and terminals may carry the Snowflow name. Branding does not change which legal entity issues, executes or provides the underlying service.
1. Company and brand
- Legal entity
- SNOWFLOW CAPITAL LTD
- Trading style
- Snowflow
- Company number
- 16307119
- Registered office
- International House, 10 Beaufort Court, Admirals Way, London, Greater London, England, E14 9XL
- Service model
- Snowflow-branded, strategic-partner and white-label arrangements.
Snowflow is not a bank or a deposit-taking institution. Company registration is not financial-services authorisation. This website does not claim that Snowflow itself holds a partner's licence, registration or regulatory permissions.
2. Our white-label service model
White-label means that the customer-facing product can use the Snowflow brand while the underlying account, e-money, card, payment or cryptoasset service is supplied by a strategic partner. Different products, currencies or jurisdictions can involve different providers and contractual arrangements.
The service documents identify who issues e-money or a card, holds or safeguards relevant funds, processes payments, provides cryptoasset custody or exchange, and handles the relevant service obligations. A Snowflow-branded card or portal is not evidence that Snowflow directly performs every one of those activities.
Availability remains subject to onboarding, provider acceptance, supported jurisdictions, customer eligibility and the terms for the selected service. Sending an enquiry does not itself open an account or enter into a product agreement.
3. How each service is delivered
Personal cards and payroll payment workflows are available through the partner-led range. The specific configuration and terms are confirmed for each approved customer.
| Service area | Snowflow-branded experience | Details in your service documents |
|---|---|---|
| Personal physical and virtual cards | Available under the Snowflow brand, subject to client approval and the issuing programme's supported features. | Issuer, programme terms, fees, limits, delivery, spending controls and supported locations. |
| Business cards | Snowflow-branded physical and virtual card options for eligible authorised users and teams. | Issuer, user permissions, spending limits, charges and cardholder terms. |
| Payroll, payouts and disbursements | Available as partner-delivered payment workflows for supported employee, supplier and partner pay runs. | Payment provider, batch formats, routes, approval requirements, cut-offs, charges and reporting. |
| Personal and business accounts | E-money and supported account services are delivered through strategic partners within the Snowflow-branded experience. | The legal account provider, account structure, supported currencies, receiving details, funds treatment and customer terms. |
| Payments, portal, terminals and EPOS | The customer-facing portal, compatible EPOS systems and payment terminals carry Snowflow branding; underlying acceptance and settlement are partner-delivered. | Acquiring or payment provider, equipment arrangement, settlement, refunds, disputes, fees and service responsibilities. |
| Foreign exchange and international transfers | Conversion and money movement use the supported partner routes and currencies for the approved arrangement. | Execution provider, rates and charges, destinations, transaction terms and processing information. |
| Invoicing and invoice factoring | Connected invoice tools support billing. Factoring is a separate funding arrangement subject to provider assessment and agreement. | Platform terms and, where relevant, the funding provider, advance, fees, recourse and collection responsibilities. |
| Corporate treasury and integrations | The Snowflow-branded platform connects available balances, user roles, approvals, reporting and supported business integrations. | Platform access, entity/account responsibilities, available controls, API permissions and integration terms. |
| Cryptoasset services | Supported exchange, custody, transfers and fiat conversion are delivered through strategic partners under the Snowflow brand. | The cryptoasset provider, custody model, asset/network availability, charges, risks and applicable contractual protections. |
4. Information before you agree to a service
During onboarding, and before you enter into the relevant agreement or transfer money or assets, you will receive the information needed to understand your service arrangement. This includes, as applicable:
- the provider's legal name, address, contact details and relevant regulatory or registration information;
- Snowflow's contractual role and the legal entity with which you are entering into an agreement;
- the service scope, supported jurisdictions, eligibility checks, currencies, assets, fees, limits and material restrictions;
- how money or assets are held, the applicable safeguarding or custody arrangements, and the protections that do and do not apply;
- the customer terms, privacy information, complaints process and relevant termination or withdrawal conditions.
Read those documents before proceeding. If the provider identity, responsibility or protection statement is unclear, ask Snowflow for clarification and do not transfer funds until you understand the arrangement.
5. E-money, safeguarding and deposit protection
Where an account holds e-money, that balance is electronic money rather than a bank deposit. The issuing and payment responsibilities sit with the provider identified in your account documents, under the applicable service terms.
UK e-money is not covered by Financial Services Compensation Scheme deposit protection. Safeguarding is a different arrangement from bank-deposit compensation and does not eliminate every risk if a provider or another participant fails. The treatment of your funds, any safeguarding mechanism and relevant jurisdiction are explained for your account.
No blanket FSCS or Financial Ombudsman Service protection is claimed for the whole Snowflow product range. Any right to compensation or complaint referral depends on the legal provider, product, customer and circumstances.
For general background, see the FCA guidance on payment-service providers. Your own customer terms remain the source for the particular arrangement.
6. Cryptoasset services and risks
Cryptoasset services are separate from e-money and payment services. The strategic partner's terms identify the exchange, execution or custody provider, the custody model, supported assets and networks, settlement arrangements and charges.
You can lose the entire value of cryptoassets. Prices can be volatile, stablecoins can lose their peg, counterparties can fail and network transfers may be irreversible. Do not assume that e-money safeguarding, deposit compensation or Financial Ombudsman rights extend to a cryptoasset holding.
Registration for financial-crime supervision is not an endorsement, a guarantee of investment quality or protection against loss. This website does not promise a yield, a capital guarantee or a personal investment recommendation.
Marketing and access are subject to applicable law and the provider arrangement. White-label branding or an e-money authorisation does not, by itself, establish a lawful basis for UK cryptoasset financial promotions. Read the FCA information on cryptoasset promotions and the risk documents supplied for your service.
7. Complaints and verification
Contact snowy@snowflow.co.uk about Snowflow's communications or service coordination. Complaints about the underlying account, card, payment, funding or cryptoasset service follow the responsible provider's procedure, supplied in your onboarding documents. We can help identify the relevant route; Snowflow remains responsible for complaints about its own conduct.
Where a complaint is eligible for referral to the Financial Ombudsman Service or another recognised body, the applicable provider documents and final response explain that right. See our complaints procedure.
Verify the provider's legal name, contact details and relevant permissions against the appropriate regulator's register. For UK arrangements, consult the Financial Services Register. Snowflow's corporate record is available at Companies House.
Last updated: .