Financial Services Guide (FSG) — YouTrip Wallet

Issuer: You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496) — AFSL 558059

Version / Date: V1.1 – 5 November 2025

What this guide is: This FSG helps you decide whether to use our financial services. It explains who we are, what we’re authorised to do, how we’re paid, our relationships/conflicts, how we handle complaints, and our compensation arrangements.

General advice warning: We do not provide personal advice. Information we provide (including this FSG) is general only and doesn’t consider your objectives, financial situation or needs. Consider the PDS and whether YouTrip is right for you.

      1. Who we are
        ItemDetails
        LicenseeYou Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496), AFSL 558059
        Registered officeSE 2 Level 25, 100 Miller Street, North Sydney NSW 2060
        Group info (context)Part of You Technologies Group Limited. A related company, You Technologies Group (Singapore) Pte. Ltd., is licensed by the Monetary Authority of Singapore as a Major Payment Institution and is a principal member of Mastercard®.
        AML registrationRegistered with AUSTRAC (No. 100882364).
        Authorised representativesWe do not provide services through authorised representatives. All services are provided by You Technologies Group (Australia) Pty Ltd under AFSL 558059.
      2. What services we’re authorised to provide
        Our AFSL authorisationsHow that applies to YouTrip
        Provide general financial product advice on deposit and payment products limited to non-cash payment products (retail and wholesale).We may publish general information/benefit statements about YouTrip. We do not give personal advice and won’t issue a Statement of Advice.
        Deal in those products (apply for, issue, acquire, vary, dispose), including issuing them.We issue YouTrip Wallets and handle account/ card changes (e.g., issue/ re-issue card, vary limits, close account).

        Products covered by this FSG: YouTrip Wallet only.

        For product details, see: Product Disclosure Statement (PDS), Target Market Determination (TMD), Terms and Conditions, YouTrip Wallet Terms, Fees & Limits Schedule.

        How to give us instructions:

        1. You can instruct us in-app, or via customer.au@you.co / +61 240-122-004 for supported requests.
        2. We do not accept day-to-day product instructions by fax or post except for complaints and statutory or legal notices, which may be sent by post (see Section 8).
        3. For security we may ask you to confirm instructions in writing or in-app.
      3.  How we are paid
        SourceWhat this means
        Fees and chargesWe may charge fees for certain services. See Fees & Limits Schedule.
        Card interchangeWe may receive interchange fees from card usage.
        FXWe may earn when the rate we source differs from the rate we offer.
        Interest on client moneyWe may keep any interest earned on the client-money accounts we hold with an Australian ADI – interest isn’t credited to YouTrip Wallet balances.
        Referral/affiliate paymentsWe may receive fees from partners (e.g., travel/ merchant partners) if you use their offers or links.

        Employee pay: Our staff receive salaries and may receive performance-based incentives. On request, we can tell you more about remuneration relating to services provided to you before we provide the service.

      4. Relationships and potential conflicts
        ItemDetails
        Group/brand relationshipsAs noted under Who we are.
        Partners/affiliatesWe may have referral or commercial arrangements with partners (e.g., travel/ merchant partners). These arrangements don’t change your product price but may result in payments to us.
        How we manage conflictsWe have policies to identify and manage conflicts so they do not improperly influence our services.
      5. Privacy

        We handle your personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles. See our Privacy Policy for how we collect, use, store and disclose your data, and how to contact us about privacy. If you don’t provide required information (including for KYC/AML), we may not be able to open or continue your account.

      6. Complaints (IDR) and AFCA (EDR)
        StepHow it works
        Talk to us first (IDR)Message us in-app, email customer.au@you.co, call +61 240-122-004 or Give Us Feedback. We aim to respond within 30 calendar days.
        Accessibility

        Users who are deaf, hard of hearing or have a speech impairment can contact us through the National Relay Service:

        (Standard call charges apply.)

        If you’re not satisfied (EDR)

        YTGAU is a member of the Australian Financial Complaints Authority (AFCA) – Member No. 4127586.

        If we haven’t resolved your complaint within 30 days or you’re dissatisfied with our response, you can ask AFCA to review it: 

        1. GPO Box 3, Melbourne VIC 3001
        2. 1800 931 678
        3. www.afca.org.au.
      7. Compensation arrangements (PI insurance)

        We maintain professional indemnity insurance that meets s 912B of the Corporations Act. It covers us and our representatives (including for past representatives, for their conduct while engaged by us).

      8. Contact us
        ChannelDetails
        In-app chatHelp › Support
        Emailcustomer.au@you.co
        Phone+61 240-122-004 – available 24/7 
        WebGive Us Feedback
        Registered officeSE 2 Level 25, 100 Miller Street, North Sydney NSW 2060