What is available today.

Accounts are not available today.

Tervra is in development. This website introduces the intended product and includes fictional payment illustrations. It does not offer an account, issue a card, execute a payment or confirm eligibility.

There is no confirmed launch date. Product features, service availability and commercial terms may change as development and provider discussions continue.

The intended scope.

The initial focus is UK B2B SMEs using their own funds. We’re designing a business account with payments, separate savings and tax accounts, virtual and physical cards, invoices and payment understanding.

Consumer accounts, client-money accounts, tenant deposits and pooled customer funds are outside the initial scope. Descriptions of sector workflows do not expand that scope.

Provider arrangements and product terms.

Provider arrangements remain under development. No live regulated programme, regulatory authorisation for Tervra, or particular deposit or safeguarding protection is claimed.

Savings rates, withdrawal terms, card pricing, delivery times, payment limits and final approval requirements have not been published. These details must be confirmed before an applicable service is offered.

What early access means.

Early access is customer discovery: a way to understand business needs and inform the product. It is not an account application, a reserved cohort place or a promise of an invitation.

Submitting information through a future connected discovery journey would not itself open an account. Any future application would have its own requirements and terms.

What you can do today.

Explore the proposed product, follow a fictional payment example or send an enquiry. Early access lets you introduce your business for customer discovery. None of these activities opens an account or moves money.

No analytics or advertising service is activated. See Cookies & storage for the exact behaviour.

Questions about the scope.

Read the frequently asked questions for more detail, or use the contact page to explore the enquiry options. For a live payment issue or urgent banking request, contact the provider of that service.