MiFinity eWallet - Q&A

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MiFinity is the brains behind your payment needs.

How do I open an account with MiFinity?
Visit the MiFinity Platform Homepage at https://secure.mifinity.com/ and click on the “sign up” link or go straight to https://secure.mifinity.com/#/signup

Which web browsers are recommended for MiFinity?
We recommend the most up-to-date versions of Google Chrome, Mozilla Firefox and Apple Safari.

I haven’t received my registration email.
Please check your Junk Mail. It’s also possible that we need some additional information from you. If this is the case, our team will be in touch soon, but you can also email us at clientservices@mifinity.com or use the live chat/email us link found at https://secure.mifinity.com/

I have received a registration email but the link is not working.
Please note that our registration links will expire after 24 hours. If you require a new link, please contact us at clientservices@mifinity.com or use the live chat/email us link found at https://secure.mifinity.com/

How should I choose a password?
Your Password must be at least 8 characters long. It must include mixed case characters, both alpha and numeric characters and at least 1 special character like $!& or #. Please note your password will be case sensitive.
NEVER share your password with anyone. MiFinity will not have a record of your password and therefore will never ask you to provide it.

What questions will I be asked if I get in touch?
We need to be able to verify your identity before we can restore your password or discuss your account. You can expect us to ask a combination of questions ranging from personal information (Address/Nationality/Date of Birth) to details from your security questions.

How can I send Money to Friends & Family?
You can make an account to account transfer direct to another MiFinity user if you have their account number or their registered email address. If they don’t have a MiFinity Account, just give us their email address and we will invite them to open an account, and credit them with the funds when they do.

I can’t log in to my account
Please contact our Client Services team for support. You can email us at clientservices@mifinity.com or use the live chat/email us link found at https://secure.mifinity.com/

How do I change my contact email address?
Please email us at clientservices@mifinity.com or use the live chat/email us link found at https://secure.mifinity.com/

How do I add funds to my MiFinity eWallet?
You can add funds to your eWallet in a number of ways. Simply choose the “deposit” link from the menu on the left hand side of your screen or go to “eWallets”, highlight the account you wish to fund and chose the “deposit” link from the options provided. You will be invited to load funds using your Visa or MasterCard, or via Entercash or Klarna. Just make your choice of method and follow the simple instructions.

How do I withdraw funds from my MiFinity eWallet?
If you have previously made a deposit to your account via card you will have the option to send funds back to that card. If you have not (for example if you have been sent money from friends or family) you will need to add your bank account details. Simply choose “Bank Account” from the menu on the left hand side of the screen and add in your details.
Once you have a stored payment method, you can highlight the account you wish to withdraw from and click on “Withdraw” in the top right hand corner of the screen. Choose your destination and follow the instructions provided.

What are the withdrawal rules and terms?
In the event you originally deposited with a card, then subsequent withdrawals will need to be paid back to the same card, up to the cumulative amount that was deposited.
The process will work like this:
Your oldest total card deposits will need to be paid back in full first.
Your second oldest total card deposits will need to be paid back in full second etc.
All withdrawals back to cards will need to at least match the original deposits from those cards.
Once all original card deposits have been covered via the withdrawal process you can then look to withdraw the surplus withdrawal amount back to any card, bank account etc.
We reserve the right to use additional eligibility criteria to determine available withdrawal options.

What is the withdrawal policy ?
Withdrawals to credit / debit card are possible
In line with the applicable laws, MiFinity will remit amounts only to the same payment method from where the funds deposited into your account originated.
Credit / debit card withdrawals are processed to the card(s) that were originally used to deposit. Should a User have more than one registered credit/ debit card, the withdrawal will be processed to the primary credit/ debit card (being the account from which you deposited the most of your deposited funds within the last 6 months), assuming withdrawals to this card are possible

I’m trying to move funds between my accounts and I’m getting an error message saying insufficient funds
Please ensure that the amount you are trying to send leaves sufficient funds in your account to cover the fee.

Here are our fees:

Deposit Fees

  • Visa 1.8%
  • Mastercard 1.8%
  • Klarna 1.8%
  • Entercash 1.8%


Withdraw Fees

  • Local Bank Transfer €2.90 *SEPA
  • Visa €2.90
  • Mastercard €2.90


Send & Receive Money

  • Send money between own MiFinity eWallets 1% (Maximum €1)
  • Send money to friends & family 1% (Maximum €10)
  • Receiving money is always free of charge


Currency Conversion

  • For transactions involving currency conversion MiFinity adds a fee of 2.99% to our wholesale exchange rates. The exchange rates vary and will be applied immediately without notice to you.

Inactive Accounts

  • Your MiFinity Account is free for personal use . If you do not make a transaction within 12 months a service fee of €1 will be deducted from the funds in your account

I tried to deposit Money but my account has not been credited
Please email us at clientservices@mifinity.com or use the live chat/email us link found at https://secure.mifinity.com/

How do I make a payment to a Merchant?
From the merchant’s site you can choose to pay via MiFinity. If you already have a MiFinity eWallet, you can log in via the merchant site (note you must have funds!). If you do not have a MiFinity eWallet account, you can still make a payment via MiFinity by entering your Visa or MasterCard details and your details will be used to create a MiFinity account (a registration email will be sent to you)

I forgot my Password
Please click on the “Forgot Password” link below the login area at https://secure.mifinity.com/ A link will be emailed to you within 15 minutes. Please check your Junk mail if you do not see the email after this time.

Can I have more than one eWallet purses within my MiFinity Account?
Yes. You may open a maximum of nine eWallets within your MiFinity Account. This limit is inclusive of a combination of your eWallet categories – Gaming, E-Commerce and Travel; and eWallets held within these categories which are of a different currency. Just click “Create New Account” when in the Accounts section.

What currencies are available for my eWallets?
MiFinity offers eWallets available in GBP,EURO and SEK

Non-Serviced / Banned Countries
If you are residing in any of the following countries you are not allowed to use MiFinity services. A violation gives MiFinity the right to suspend or terminate your MiFinity Account at any time.

Burkina Faso
Cape Verde
Faroe Islands
French Polynesia
Guyana Iran
New Caledonia
North Korea
Sudan (North & South)
Sri Lanka
Trinidad & Tobago

Can I open a MiFinity Account for my Business?
Please contact us at clientservices@mifinity.com or on 00442895870100. We will put you in touch with one of our Sales Specialists who will discuss your business needs.

How do I verify my account?
In order for us to verify your account, we now require you to submit the following documentation by logging into your MiFinity account, section in the top right-hand corner of your eWallet account and select Upload Documents.

What we need?
1 proof of photo identification
1 proof of address dated within the last 6 months

* If you only have one form of ID and/or Proof of Address, you will need to get your ID/POA certified in any Financial institution or Police Station by presenting yourself in person along with the single ID and Proof of Address.
*Please ensure the certified copy is stamped, dated and signed by the relevant authority.

Acceptable Proofs of Identity:
– Passport
– Drivers Licence (front and back)
– EU National Identity Card

Acceptable Proof of Address:
– Bank/Credit Union Statements
– Utility Bills (e.g. mobile phone, gas, electricity)
– Certificate of Motor Tax (Tax must be in date)
– Certificate of Car Insurance (Policy must be in date)
– Letter from revenue (e.g. tax credit certificate)
– Department of social services letter.
All documents must be dated within the last six months and must be the full image, all corners must be included in the image and cannot be censored in any way.

Once you have successfully uploaded your documents and they have been processed, you will receive an email notification within 24 to 48 hours.
Please ensure to use one of the following file formats: gif, jpg, png, doc, bmp, docx and pdf, otherwise your document upload will fail.
Once your account has been successfully verified, this will mean that your limits have been increased and you can transact at higher levels.

Why do I need to verify my identity?
MiFinity Payments are regulated by the Financial Conduct Authority in the United Kingdom and are therefore obliged by regulation to carry out the know your customer (KYC) process. This is the verification of our customers. This is an anti-money laundering measure.

I haven’t received and email and I am waiting for my account to become verified
Please note that it can take between 24 to 48 hours for your KYC documents to become processed. Once they are successfully processed, you will receive an email notification and your profile will show as green verified

If you are unable to upload your documents please make sure that they are in the following file formats:
gif, jpg, png, doc, bmp, docx and pdf
If the issue persists, please contact customer support.
If there is an issue with the successful processing of your documents, customer services will be in contact with you via email.

What are my account limits?
If your account is unverified, you can transact up to €2500 over a 365 day rolling period after which you will be prompted to verify your account.
Once your account if verified, you will be able to transact up to €10,000 over a 365 day rolling period.
Should you wish to transact above these limits, you will be requested to provide enhanced due diligence to become a VIP.

My account has been restricted, what do I do?
If your account has been restricted for security reasons, you will be contacted by our team. If your account has been restricted but you have not been contacted, please check your junk email or contact customer services.

How do I report suspicious activity?
If you feel that suspicious activity has occurred on your account, contact MiFinity fraud team immediately at fraudalerts@mifinity.com
If you feel that your account details may have been compromised, change your password immediately by logging on, going to your profile and password change. It is important to choose a password that is not easily guessed and do not share this with anybody.

I have received a suspicious email, what do I do?
If you receive any communication which you are suspicious about please report this immediately to fraudalerts@mifinity.com
Never share your personal or log in details for your MiFinity account and if you suspect that you may have been contacted by someone pertaining to be MiFinity contact us immediately.

I have received an email for a failed log in what do I do?
If you receive an email notifying you of a failed log in attempt that was not carried out by you, please report this to MiFinity fraud team immediately at fraudalerts@mifinity.com and change your password.

How am I protected against fraud?
MiFinity operate a sophisticated fraud alert system which monitors all activity on our platform for suspicious activity. We have in place prevention measure which safeguard you from being the victim of a phishing scam or an attack, however if it important that you take precautions to protect yourself online using your MiFinity e-Wallet.
• Never share passwords or account details
• Never leave your account open and unattended
• If you see something suspicious, report it immediately
• Review your transactions regularly for any unusual transactions
• Change your password regularly