"Choose your Plus One" Promotion — Terms and Conditions

This promotion (the “Offer”) is provided by Smartflow Payments Limited, trading as Sends (“Sends”, “we”, “us”), a company authorised and regulated by the Financial Conduct Authority (FCA) as an Electronic Money Institution (Reference Number: 900873). Registration address: 11 Garden Court Tewin Road Welwyn Garden city, Herts AL7 1BH, ENGLAND

The Offer runs from 00:00 UK time on 21 September 2026 to 23:59 UK time on 20 October 2026 (the “Promotional Period”).

The Offer is open only to businesses that are registered in the United Kingdom (“UK-registered”). That means a company incorporated in the UK and registered with Companies House, a UK-registered limited liability partnership, a UK partnership, or a UK-resident sole trader registered with HMRC.

The Offer is not available to businesses registered or based outside the United Kingdom, including businesses registered in the European Union, the European Economic Area, or any other overseas jurisdiction. Sends does not open business payment accounts for entities that are not UK-registered.

The Offer is available to an eligible business opening a new GBP Business Payment Account with Sends for the first time. A business that already holds a GBP Business Payment Account with Sends, but not a EUR or USD payment account, cannot take part in the Offer.

The Offer is available once per eligible business. Where a business holds multiple legal entities, each entity's eligibility is assessed individually, and each must complete onboarding separately.

Sends reserves the right to verify eligibility as part of its standard onboarding, Know Your Business, Know Your Customer and anti-money laundering checks, and to decline any application that does not meet those requirements, regardless of eligibility for the Offer.

An eligible business that opens a new GBP Business Payment Account with Sends during the Promotional Period, and pays the standard account-opening fee of £19.99, may additionally open one of the following account currencies with its account-opening fee waived:a) a Euro (EUR) Business Payment Account (standard opening fee: £100, waived under the Offer); orb) a US Dollar (USD) Business Payment Account (standard opening fee: £100, waived under the Offer).

A business may choose only one additional currency account (EUR or USD) under the Offer. The additional account is for business purposes only.

The £19.99 GBP account-opening fee is payable in full and is not discounted, waived or otherwise altered by the Offer. The Offer waives only the account-opening fee of the additional currency account; it does not waive any other applicable fee (see “Fees and charges” below).

The GBP Business Payment Account must be opened and the £19.99 opening fee paid before the additional currency account is provided. The additional EUR or USD Business Payment Account cannot be opened as a standalone account and is only available where the eligibility and qualification requirements set out in these terms have been satisfied.

To take part in the Offer, a business must submit its GBP Business Payment Account application within the Promotional Period and provide the documents needed for onboarding and due diligence purposes. An application submitted within the Period remains eligible if onboarding completes afterwards (within 15 calendar days of application).

A business will not lose eligibility solely because onboarding is delayed by a technical, operational or processing issue attributable to Sends, provided the business has submitted the required information and documentation within the applicable timeframe and has otherwise complied with these terms.

A business that wishes to take up the Offer must select its additional currency account (EUR or USD). This selection will be available in the client's account on the platform within 30 days after the GBP account is opened and paid in full. The additional account will be opened automatically.

Where an eligible business does not select and claim its additional currency account within the applicable deadline, the Offer lapses for that business. No free account, fee credit or other compensation will be provided after the deadline has passed.

If the business is unable to select its additional currency account within the applicable period due to a technical or operational issue attributable to Sends, the business should contact Sends through the available support channels. Sends may extend the applicable period where reasonably necessary to ensure that the customer is not disadvantaged by an issue attributable to Sends.

Participating in the Offer does not guarantee that a GBP, EUR or USD account will be opened. All applications remain subject to Sends' standard onboarding, Know Your Business and Know Your Customer checks, anti-money laundering and counter-terrorist financing checks, sanctions screening, fraud prevention checks, and other applicable regulatory and eligibility requirements, and Sends may decline an application on that basis.

Outside of the fee waived under the Offer (see “What the Offer includes” above), all of Sends' standard fees and charges continue to apply as normal, including transaction fees, transfer fees, currency exchange/FX fees, and any other applicable service charge.

Current fees are published on Sends' pricing page and customers should refer to that page for up-to-date pricing rather than to any rate quoted in promotional material.

Sends may suspend, withdraw, extend or amend the Offer, or these terms at any time without notice. A change made under this clause will not affect a business that has already successfully qualified for the Offer before the change takes effect, and where the waived fee has already been applied, it will not be withdrawn or applied retrospectively.

A business with a complaint about the Offer or about Sends' services can raise it through Sends' Complaints Procedure.

Opening and holding any account with Sends, including any account opened under this Offer, remains subject to Sends' standard business payment account terms and conditions (“The Agreement”), and its standard onboarding, identity verification and anti-money laundering checks. This Offer does not affect, replace or override those terms.

These terms apply only to the Offer and only during the Promotional Period. They are supplemental to, and do not replace, the Agreement between Sends and the Customer. If there is any conflict between these terms and the Agreement about the Offer, these terms prevail in relation to the Offer only. In all other respects, the Agreement governs.

Sends needs to process your personal data to perform our obligations under the terms of this Offer. For more information about how we handle personal data, see our Privacy Policy published on sends.co.

Sends is not obliged to open an account for any applicant, including where the applicant meets the eligibility criteria set out above, if it is unable to complete its standard due diligence checks or if opening the account would not be consistent with its regulatory obligations.

These terms are governed by the laws of England and Wales, and are subject to the exclusive jurisdiction of the courts of England and Wales.

Questions about this Offer or these terms can be directed to Sends via the contact details published on sends.co. Complaints should be raised through the route described in the Complaints section above.