About us

Change Finance & Payment Solutions (CFPS) is a Europe-based international money service that offers a free euro account and virtual and physical Mastercard debit cards issued by Unlimit, an Electronic Money Institution (EMI) licensed by the Bank of Cyprus. Both the account and debit cards are provided with no monthly or maintenance fees to all CFPS users. The cards are accepted worldwide, at any ATMs and payment terminals that support Mastercard.

Open your free EUR account

One app for all your money needs

CFPS provides the financial services via a smart all-in-one mobile app that enables the users to manage their cards and accounts, make money transfers across Europe and worldwide, and use all the other integrated features, which are available now or will be added in the future. Currently, the CFPS service is meant only for residents of the European Economic Area (EEA) that have a government-issued ID (including temporary or permanent residence permit) and proof of address. However, the company has plans to expand beyond the EEA.


Our mission

We are building the future with no financial boundaries where everyone has instant access to the full range of innovative financial services through a user-centric digital experience.

Our values



An all-in-one financial app with 100% mobile money management experience



A cost-effective solution for everyone with no monthly or maintenance fees and no hidden charges


User first approach

Our customers are at the centre of every decision we make about our product



The app integrates up-to-date security features, including two-factor authentication, 3D Secure and instant transaction notifications

App with
human face