Yes, your money is in safe hands. 

It is in a segregated bank account at ICBC (Asia), the Hong Kong subsidiary of Industrial and Commercial Bank of China(“ICBC“), the largest bank in the world by assets (as of  May 2019).

As per HKMA’s SVF license requirements, all customer funds have to be held in a segregated bank account. Should something go wrong with either Neat or ePayLinks, your money is kept in a segregated bank account at ICBC (Asia) in Hong Kong to protect you.

All your card transactions are processed by the MasterCard® network and are protected by MasterCard® rules and standards. The Neat Card is issued by ePayLinks Technology Co. Ltd (“ePayLinks”), an authorised MasterCard® prepaid card issuer in Hong Kong.


ePayLinks is a  Stored Value Facility (“SVF”) licensee(License number SVF0011) regulated by the Hong Kong Monetary Authority (“HKMA”). You can find more details about ePayLinks here.