The easiest way for you to access your money is to withdraw your money from the app before November 22 2023. You can do so easily in the app.

You can transfer money back to your regular bank account at any time. Click on the More-tab (the three dots in the lower right corner) and then click on Withdraw money. Enter your clearing number and bank account number without space, lines or dots and enter the amount you want to withdraw. The money will be in your bank account within one work day.

If your account has a negative balance, you need to repay your debt to P.F.C. before our services shut down. The easiest way to do this is by depositing money into your account with Swish. We encourage you to do so as soon as possible to avoid additional charges. The most common reason for having a negative balance is so-called offline purchases, which often apply to costs for hotels, rental cars or purchases on airplanes. There may also be other reasons why you have a negative balance.

If you have activated the services Flex, Partial payments or private loans, you have received information about your debt to your registered email address.

If you want to terminate your account, we recommend that you withdraw your money from your P.F.C. account to your regular bank account immediately. You can easily do so in the app. Your account will be terminated automatically when our services are shut down.

P.F.C. provides a payment service and the money you transfer to your P.F.C card is not kept with us, but is kept separately in a client funds account. You are entitled to your money when P.F.C.'s service shut down.

If you have paid for a subscription past the closing date, you will be reimbursed for the part of your subscription plan that exceeds November 22 before we suspend our services.

When a Duo account is cancelled, the funds in the account are shared equally between the two partners.

You can easily transfer money from your Duo account to your Solo account. You can then withdraw your money from your Solo account to your regular bank account.

You can easily transfer money from the Junior account to a parent’s P.F.C. account in the app. Click on the Junior widget and complete the transfer. You can then withdraw the money from your P.F.C. account to your regular bank account.

If you want to cancel your subscription, you can easily do so in the app. For Premium, click the diamond icon in the bottom menu and cancel. For Junior and Duo, click the widget on the Home screen and cancel.

Your personal loan will be transferred to Svea Privat. You will receive invoices and communication about your loan from Svea Privat.

When your credit agreement is terminated, you need to repay your full debt. You will receive an invoice that you need to pay within one month. If you have a debt that exceeds 5 000 SEK, you will receive an offer to take out a personal loan to cover the debt for Flex.

You need to sell your assets before November 22. We have removed the charge on the sale of assets. If you want to continue investing in crypto with our partner Bitpanda, you can open an account here. If you still have assets with Bitpanda after November 22, Bitpanda will sell the remaining assets at the current market prices at the time and transfer the sale proceeds (after deducting applicable fees related to the sale) to your P.F.C. account.

We created P.F.C. in 2018 because we think your money is important, so we made it easy to manage. Since, then the market and global economy has changed significantly and we have made the decision to wind down our services. Thank you for choosing P.F.C.