• Where is Cache available?

    Cache is currently available in the United States, United Kingdom, European Union and India.

  • What currencies does Cache support?

    Cache currently supports USD, EUR, GBP and INR. Your currency is automatically detected based on the location in which you sign up. Stay tuned, as we hope to accept other currencies in the near future!

  • How can I add money to my Cache Account?

    You can use the same common payment methods you would use elsewhere to deposit or transfer funds. A debit card, credit card, or bank transfer will all work with you Cache Account.

  • What is a Cache Token?

    A Cache Token is a digital representation of your funds that you can use just like cash. Your Cache Tokens are redeemable inside the app, and anywhere Mastercard is accepted.

  • How much is a Cache Token worth?

    One Cache Token is redeemable for the equivalent of 1/100 USD. If your default currency is not USD, the value would be the equivalent in your local currency at the current exchange rate.


    For example:     100 Cache Tokens = $1

                             1000 Cache Tokens = $10      

    10000 Cache Tokens = $100

  • How do I spend my Cache Tokens?

    Think of your Cache Tokens as digital currency. You can spend your Cache Tokens, similarly as you would cash, anywhere Mastercard is accepted using your global spending card, in person or online. Apart from`fur shops. Because no one likes a furrier.

  • How often do I receive Cache Tokens?

    Cache Tokens are automatically deposited into your account at the end of each month on #CacheDay, based on the lowest monthly balance in your account. It’s like payday, only better.

  • Can I redeem my Cache Tokens into any currency?

    Your Cache Tokens are automatically generated based on the currency of your account. When you make payments on your global spending card, your Cache Tokens will automatically be utilized, lowering prices everywhere you use it. You cannot exchange Cache Tokens into other currencies.

  • What currencies does Cache accept?

    Cache currently accepts USD, GBP, EUR and INR. Stay tuned as Cache will be accepting other currencies in the future!

  • Can I transfer my Cache Tokens outside of Cache to another bank account or card?

    You cannot take out Cache Tokens you have earned, you can only use them by paying with your Cache payment card. You can however take out funds you topped up your account balance with.

  • Will I get charged for taking my money out?

    You can withdraw your money on your connected bank account for free (ACH in the US, SEPA in UK/Europe, RTGS/ENFT in India) other withdrawal options might be offered depending on your jurisdiction but can come at additional cost.

  • Do I receive extra tokens on my Cache Token balance?

    You do not receive extra tokens based on the number of tokens you have received before.

  • When can I start using my Cache Tokens with my payment?

    You can start using your Cache Tokens on purchases with your Cache payment card 2 business days after they are credited to your account.

  • Can I spend with my Cache Payment Card outside of the application?

    Yes, you can pay wherever Mastercard is accepted, just like cash, in the form of a digital payment card in your mobile device. We are working on providing you with a physical card to use at offline merchants by the end of the year.

  • Can I buy a Cache Token instead of earning a Cache Token?

    This is currently not possible.

  • Can I send, sell or exchange Cache Tokens with other Cache users?

    This is currently not possible.

  • When will my Cache payment card be available?

    We hope to have your physical Cache payment cards in hand by the end of the year.

  • I'm an existing Cache user, is changing to this Cache Token model going to affect my investment?

    We are phasing out our past programme and it will not be available anymore. That said, for existing users the past conditions still apply until maturity of your investment. 

  • When is #CacheDay?

    Once a month, every month. Your Cache Tokens will be deposited to your account at the end of each month, and available to be used with your payment card anywhere Mastercard is accepted.

  • Is there a minimum or maximum account balance?

    In order to get started, there’s a low minimum account balance of $10 or your currency equivalent. The current maximum account balance is $10,000, or your currency equivalent.

  • I was an early adopter of Cache, what happened to the investment platform?

    Thank you for being a Cache early adopter! Based on your feedback we have decided to phase out the initial model and have developed a new model that gives you even more possibilities to earn. For users of our initial investment platform, the past conditions still apply until maturity of their plans. If you have further questions, please don’t hesitate to reach out to our Customer Experience team!

  • How much do I earn every month with my Cache Account?

    You are earning up to 2% on your minimum account balance every single month, returned to you in the form of Cache Tokens.

  • Are my funds protected by a deposit insurance scheme like FDIC in the US, FSCS in the UK or the European deposit guarantee scheme?

    No we are not a bank, therefore we currently do not offer deposit insurance

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