Documents

The terms that govern your use of Magic, in one place and in plain language where the law allows.

Terms of ServiceThe agreement between you and the Company: account, balance, deposits, withdrawals, card, closure.Open Privacy PolicyWhat data we collect, who sees it, how long we keep it and your rights.Open Cardholder AgreementYour agreement with the issuing partner.Open Fee ScheduleEvery fee and limit in one binding document.Open Refund & Dispute PolicyRefunds, pre-authorizations and disputing a transaction.Open Complaints Handling PolicyHow to complain, what we do and how long it takes.Open AML/KYC PolicyWhat we check, what we do not, and who we will not serve.Open Restricted Countries and TerritoriesWhere we can’t issue or serve cards.Open Referral Program RulesHow rewards are earned and what’s not allowed.Open Risk Disclosure StatementWhat can go wrong: irreversible transactions, an unsecured balance, stablecoin and card risks.Open Magic’s Status and Issuer InformationMagic’s status and who issues the cards.Open Account and Data DeletionHow to delete your account and what happens to your data.Open

These documents form the agreement between you and Magic. Please read them before opening an account; by using the service you accept them. If a page on this site differs from a document, the document applies.

Magic is not a financial institution. Your balance is not a deposit and is not covered by any deposit insurance scheme. Cards are issued by a licensed issuing partner. Digital assets are not legal tender.