{"id":73214,"date":"2025-08-26T15:15:08","date_gmt":"2025-08-26T07:15:08","guid":{"rendered":"https:\/\/www.you.co\/au\/?page_id=73214"},"modified":"2025-11-05T09:34:27","modified_gmt":"2025-11-05T01:34:27","slug":"financial-services-guide-fsg-youtrip-wallet","status":"publish","type":"page","link":"https:\/\/www.you.co\/au\/financial-services-guide-fsg-youtrip-wallet\/","title":{"rendered":"Financial Services Guide (FSG) \u2014 YouTrip Wallet"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"73214\" class=\"elementor elementor-73214\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9a38a2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"e9a38a2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df6a480\" data-id=\"df6a480\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bcdf948 elementor-widget elementor-widget-heading\" data-id=\"bcdf948\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financial Services Guide (FSG) \u2014 YouTrip Wallet  <img decoding=\"async\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/05\/desktop-green-arrow.png\" style=\"margin-left:10px\" alt=\"\" width=\"16\" height=\"16\" \/><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f2da3c elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f2da3c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-791e9ceb elementor-hidden-phone\" data-id=\"791e9ceb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34f7384f tac-contents elementor-widget elementor-widget-table-of-contents\" data-id=\"34f7384f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h6&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-toc__34f7384f\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-55efdfb2\" data-id=\"55efdfb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-480b96b elementor-widget elementor-widget-html\" data-id=\"480b96b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\n    \ndocument.addEventListener(\"DOMContentLoaded\", () => {\n  const sectionRegex = \/Section [C-G]\/gi;\n\n  \/\/ Function to apply margins based on screen width\n  function applyMargins() {\n    const elements = document.querySelectorAll(\"strong\");\n\n    elements.forEach(el => {\n      if (sectionRegex.test(el.textContent)) {\n        if (window.innerWidth <= 768) {\n          \/\/ Mobile\n          el.style.marginLeft = \"-80px\";\n        } else {\n          \/\/ Desktop \/ Tablet\n          el.style.marginLeft = \"-105px\";\n        }\n      }\n    });\n  }\n\n  \/\/ Run on load\n  applyMargins();\n\n  \/\/ Also re-run on resize\n  window.addEventListener(\"resize\", applyMargins);\n});\n\n\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25fe1c58 tnc-content elementor-widget elementor-widget-text-editor\" data-id=\"25fe1c58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Issuer<\/strong>: You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496) \u2014\u00a0<strong>AFSL 558059<\/strong><\/p><p><strong>Version \/ Date<\/strong>: V1.1 &#8211; 5 November 2025<\/p><p><strong>What this guide is<\/strong>: This FSG helps you decide whether to use our financial services. It explains who we are, what we\u2019re authorised to do, how we\u2019re paid, our relationships\/conflicts, how we handle complaints, and our compensation arrangements.<\/p><p><strong>General advice warning<\/strong>: We do not provide personal advice. Information we provide (including this FSG) is general only and doesn\u2019t consider your objectives, financial situation or needs. Consider the <a href=\"https:\/\/www.you.co\/au\/product-disclosure-statement-pds-youtrip-wallet\/\">PDS<\/a> and whether YouTrip is right for you.<\/p><ol><li style=\"list-style-type: none;\"><ol><li style=\"list-style-type: none;\"><ol><li><h6>Who we are<\/h6><table><thead><tr><th><b>Item<\/b><\/th><th><b>Details<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400;\">Licensee<\/span><\/td><td><span style=\"font-weight: 400;\">You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496), AFSL 558059<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Registered office<\/span><\/td><td><span style=\"font-weight: 400;\">SE 2 Level 25, 100 Miller Street, North Sydney NSW 2060<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Group info (context)<\/span><\/td><td><span style=\"font-weight: 400;\">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\u00ae.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">AML registration<\/span><\/td><td><span style=\"font-weight: 400;\">Registered with AUSTRAC (No. 100882364).<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Authorised representatives<\/span><\/td><td><span style=\"font-weight: 400;\">We do not provide services through authorised representatives. All services are provided by You Technologies Group (Australia) Pty Ltd under AFSL 558059.<\/span><\/td><\/tr><\/tbody><\/table><\/li><li><h6>What services we\u2019re authorised to provide<\/h6><table><thead><tr><th><b>Our AFSL authorisations<\/b><\/th><th><b>How that applies to YouTrip<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400;\">Provide general financial product advice on deposit and payment products limited to non-cash payment products (retail and wholesale).<\/span><\/td><td><span style=\"font-weight: 400;\">We may publish general information\/benefit statements about YouTrip. We do not give personal advice and won\u2019t issue a Statement of Advice.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Deal in those products (apply for, issue, acquire, vary, dispose), including issuing them.<\/span><\/td><td><span style=\"font-weight: 400;\">We issue YouTrip Wallets and handle account\/ card changes (e.g., issue\/ re-issue card, vary limits, close account).<\/span><\/td><\/tr><\/tbody><\/table><p><b>Products covered by this FSG:<\/b><span style=\"font-weight: 400;\"> YouTrip Wallet only.<\/span><\/p><p><b>For product details, see:<\/b> <span style=\"font-weight: 400;\"><a href=\"https:\/\/www.you.co\/au\/product-disclosure-statement-pds-youtrip-wallet\/\">Product Disclosure Statement (PDS)<\/a>, <a href=\"https:\/\/www.you.co\/au\/target-market-determination-tmd-youtrip-wallet\/\">Target Market Determination (TMD)<\/a>, <a href=\"https:\/\/www.you.co\/au\/youtrip-account-terms-and-conditions\/\">Terms and Conditions<\/a>, <a href=\"https:\/\/www.you.co\/au\/youtrip-account-terms-and-conditions\/\">YouTrip Wallet Terms<\/a>,<\/span> <span style=\"font-weight: 400;\">Fees &amp; Limits Schedule.<\/span><\/p><p><b>How to give us instructions:<\/b><\/p><ol><li><span style=\"font-weight: 400;\">You can instruct us in-app, or via <a class=\"c-link\" href=\"mailto:customer.au@you.co\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"mailto:customer.au@you.co\" data-sk=\"tooltip_parent\" aria-haspopup=\"menu\" aria-describedby=\"sk-tooltip-7734\">customer.au@you.co<\/a><\/span><span style=\"font-weight: 400;\"> \/ <a class=\"c-link\" href=\"tel:+61240122004\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"tel:+61240122004\" data-sk=\"tooltip_parent\" aria-describedby=\"sk-tooltip-7735\">+61 240-122-004<\/a><\/span><span style=\"font-weight: 400;\">\u00a0for supported requests. <\/span><\/li><li><span style=\"font-weight: 400;\">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). <\/span><\/li><li><span style=\"font-weight: 400;\">For security we may ask you to confirm instructions in writing or in-app.<\/span><\/li><\/ol><\/li><li><h6><span style=\"font-weight: 400;\">\u00a0How we are paid<br \/><\/span><\/h6><table><thead><tr><th><b>Source<\/b><\/th><th><b>What this means<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400;\">Fees and charges<\/span><\/td><td><span style=\"font-weight: 400;\">We may charge fees for certain services. See <\/span><span style=\"font-weight: 400;\">Fees &amp; Limits Schedule<\/span><span style=\"font-weight: 400;\">.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Card interchange<\/span><\/td><td><span style=\"font-weight: 400;\">We may receive interchange fees from card usage.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">FX<\/span><\/td><td><span style=\"font-weight: 400;\">We may earn when the rate we source differs from the rate we offer.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Interest on client money<\/span><\/td><td><span style=\"font-weight: 400;\">We may keep any interest earned on the client-money accounts we hold with an Australian ADI &#8211; interest isn\u2019t credited to YouTrip Wallet balances.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Referral\/affiliate payments<\/span><\/td><td><span style=\"font-weight: 400;\">We may receive fees from partners (e.g., travel\/ merchant partners) if you use their offers or links.<\/span><\/td><\/tr><\/tbody><\/table><p><b>Employee pay:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p><\/li><li><h6><span style=\"font-weight: 400;\">Relationships and potential conflicts<br \/><\/span><\/h6><table><thead><tr><th><b>Item<\/b><\/th><th><b>Details<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400;\">Group\/brand relationships<\/span><\/td><td><span style=\"font-weight: 400;\">As noted under Who we are.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Partners\/affiliates<\/span><\/td><td><span style=\"font-weight: 400;\">We may have referral or commercial arrangements with partners (e.g., travel\/ merchant partners). These arrangements don\u2019t change your product price but may result in payments to us.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">How we manage conflicts<\/span><\/td><td><span style=\"font-weight: 400;\">We have policies to identify and manage conflicts so they do not improperly influence our services.<\/span><\/td><\/tr><\/tbody><\/table><\/li><li><h6><span style=\"font-weight: 400;\">Privacy<\/span><\/h6><p>We handle your personal information under the Privacy Act 1988 (Cth) and the Australian Privacy Principles. See our <a href=\"https:\/\/www.you.co\/au\/privacy-policy\/\">Privacy Policy<\/a> for how we collect, use, store and disclose your data, and how to contact us about privacy. If you don\u2019t provide required information (including for KYC\/AML), we may not be able to open or continue your account.<\/p><\/li><li><h6><span style=\"font-weight: 400;\">Complaints (IDR) and AFCA (EDR)<\/span><\/h6><table><thead><tr><th><b>Step<\/b><\/th><th><b>How it works<\/b><\/th><\/tr><\/thead><tbody><tr><td><span style=\"font-weight: 400;\">Talk to us first (IDR)<\/span><\/td><td><span style=\"font-weight: 400;\">Message us in-app, email <\/span><a href=\"mailto:customer.au@you.co\"><span style=\"font-weight: 400;\">customer.au@you.co<\/span><\/a><span style=\"font-weight: 400;\">, call <a class=\"c-link\" href=\"tel:+61240122004\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"tel:+61240122004\" data-sk=\"tooltip_parent\">+61 240-122-004<\/a><\/span><span style=\"font-weight: 400;\">\u00a0or <\/span><span style=\"font-weight: 400;\">Give Us Feedback<\/span><span style=\"font-weight: 400;\">. We aim to respond within 30 calendar days.<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Accessibility<\/span><\/td><td><p><span style=\"font-weight: 400;\">Users who are deaf, hard of hearing or have a speech impairment can contact us through the <\/span><span style=\"font-weight: 400;\">National Relay Service<\/span><span style=\"font-weight: 400;\">:<\/span><\/p><p><span style=\"font-weight: 400;\">(Standard call charges apply.)<\/span><\/p><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">If you\u2019re not satisfied (EDR)<\/span><\/td><td><p><span style=\"font-weight: 400;\">YTGAU is a member of the Australian Financial Complaints Authority (AFCA) &#8211; Member No. 4127586.<\/span><\/p><p><span style=\"font-size: 14px; font-weight: 400;\">If we haven\u2019t resolved your complaint within 30 days or you\u2019re dissatisfied with our response, you can ask AFCA to review it:\u00a0<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GPO Box 3, Melbourne VIC 3001<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"tel:1800 931 678\"><span style=\"font-weight: 400;\">1800 931 678<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"http:\/\/www.afca.org.au\"><span style=\"font-weight: 400;\">www.afca.org.au<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li><\/ol><\/td><\/tr><\/tbody><\/table><\/li><li><h6><span style=\"font-weight: 400;\">Compensation arrangements (PI insurance)<br \/><\/span><\/h6><p><span style=\"font-weight: 400;\">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).<\/span><\/p><\/li><li><h6><span style=\"font-weight: 400;\">Contact us<br \/><\/span><\/h6><table><thead><tr><th><b>Channel<\/b><\/th><th><b>Details<\/b><\/th><\/tr><\/thead><tbody><tr><td><b>In-app chat<\/b><\/td><td><span style=\"font-weight: 400;\">Help \u203a Support<\/span><\/td><\/tr><tr><td><b>Email<\/b><\/td><td><a href=\"mailto:customer.au@you.co\"><span style=\"font-weight: 400;\">customer.au@you.co<\/span><\/a><\/td><\/tr><tr><td><b>Phone<\/b><\/td><td><a class=\"c-link\" href=\"tel:+61240122004\" target=\"_blank\" rel=\"noopener noreferrer\" data-stringify-link=\"tel:+61240122004\" data-sk=\"tooltip_parent\">+61 240-122-004<\/a><span style=\"font-weight: 400;\"> \u2013 available 24\/7\u00a0<\/span><\/td><\/tr><tr><td><b>Web<\/b><\/td><td><span style=\"font-weight: 400;\">Give Us Feedback<\/span><\/td><\/tr><tr><td><b>Registered office<\/b><\/td><td><span style=\"font-weight: 400;\">SE 2 Level 25, 100 Miller Street, North Sydney NSW 2060<\/span>\u00a0<\/td><\/tr><\/tbody><\/table><\/li><\/ol><\/li><\/ol><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial Services Guide (FSG) \u2014 YouTrip Wallet Issuer: You Technologies Group (Australia) Pty Ltd (ABN 20 676 703 496) \u2014\u00a0AFSL 558059 Version \/ Date: V1.1 &#8211; 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\u2019re authorised to do, how &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.you.co\/au\/financial-services-guide-fsg-youtrip-wallet\/\"> <span class=\"screen-reader-text\">Financial Services Guide (FSG) \u2014 YouTrip Wallet<\/span>Read More \u00bb<\/a><\/p>\n","protected":false},"author":119,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-73214","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/pages\/73214","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/users\/119"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/comments?post=73214"}],"version-history":[{"count":0,"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/pages\/73214\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/au\/wp-json\/wp\/v2\/media?parent=73214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}