Legal

Legal documents

Arrival Bank Plc is a U.S.-licensed digital bank (neobank) regulated in Puerto Rico and Europe. The documents below govern your relationship with the bank.

Account documentation

The agreements that apply when you open and operate an account.

  • Business Account Terms and Conditions
  • Electronic Funds Transfer Agreement and Disclosure
  • Wire Transfer Agreement (Fedwire and SWIFT)
  • SEPA Payment Services Terms
  • Schedule of Fees and Charges

Policies

How we protect you and your data.

  • Privacy Notice
  • Cookie Policy
  • Complaints Handling Procedure
  • AML/CTF and Sanctions Policy Statement

Obtaining copies

Account holders can request a copy of any document at any time from our client services team. We will notify you in advance of any material change to your terms.

Frequently asked questions

Which law governs my account?

Your account is governed by the laws of the Commonwealth of Puerto Rico and applicable U.S. federal law, unless your agreement states otherwise.