Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. Authorised and regulated by the Financial Conduct Authority (FRN 724309). John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 171 Victoria Street, London SW1E 5NN. John Lewis plc is a credit broker and not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd. 72587873, and registered office at Rozengracht 12,1, 1016NB Amsterdam, The Netherlands. is a limited company registered in The Netherlands with company no. is authorised by the Dutch Central Bank (De Nederlandsche Bank) under the Payment Services Directive II, licence number R149006 for the provision of payment services. Registered office: Maxis 1, Western Road, Bracknell, Berkshire, RG12 1RT.įor EEA clients: International Payments at John Lewis Finance is provided by XE Europe B.V. HiFX is a limited company registered in England and Wales. HiFX is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration 462444, for the provision of payment services. John Lewis plc introduce the panel of carefully chosen providers in Bureau de Change products and services, whom each hold the appropriate licences with the Financial Conduct Authority and HMRC.įoreign Currency online from both John Lewis Finance and John Lewis & Partners is provided by First Rate Exchange Services Limited registration number 04287490 (Money Service Business licence number MLR-64068), whose registered office is at Great West House, Great West Road, Brentford, West London, TW8 9DF England.įor UK clients: International Payments at John Lewis Finance is provided by HiFX Europe Limited. Registered in England (Registered Company Number 233462). Registered office: 171 Victoria Street, London SW1E 5NN. dollars using the applicable exchange rate without prior notice to you.įor additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.John Lewis Finance and John Lewis & Partners Bureau de Change are both trading names of John Lewis plc. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. We may refuse to process any request for a foreign exchange transaction. Wells Fargo is your arms-length counterparty on foreign exchange transactions. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. The applicable exchange rate does not include, and is separate from, any applicable fees. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you.
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