Uber Money

Last Updated: November 2025

Uber has engaged Uber Payments UK Limited (“Uber Payments”) to issue Uber Money to users on the Uber platforms. These Uber Money terms of use (“Uber Money Terms”) constitute a legally binding agreement between you as a user, Uber and Uber Payments (each as defined below).

1. Uber Money Terms & General Terms

1.1. By using Uber’s mobile applications and/or website for accessing or using Uber’s services and using Uber Money, you agree that you have understood and agreed to these Uber Money Terms.

1.2. These Uber Money Terms:

a. supersede any prior terms or agreements with you in respect of Uber Money;

b. only relate to the use, reloading and redemption of Uber Money as a Payment Method and do not apply to alternative Payment Methods; and

c. are a framework contract as defined in Regulation 2 of the Payment Services Regulations 2017 (SI 2017/752).

1.3. You can download a digital copy of these Uber Money Terms from the Uber website at any time.

1.4. The provisions of the General Terms also apply to your use of the Wallet and Uber Money. In the event of a conflict between the Uber Money Terms and the General Terms regarding Uber Money, the Uber Money Terms prevail.

2. Definitions

All capitalized terms in these Uber Money Terms have the meaning set forth in the General Terms, unless otherwise defined in these Uber Money Terms.

“General Terms” means Uber’s Terms and Conditions, as amended or restated from time to time.

“Loading Method” has the meaning set out in section 4.1.

“Payment Method” means a method of payment within your Uber registration for Transactions within the United Kingdom.

“Privacy Notice” means Uber’s Privacy Notice, as amended or restated from time to time.

“Transaction” means the purchase of goods or services offered by a Third Party Provider or of Services offered by Uber via Uber’s mobile applications and/or website.

“Uber” means Uber B.V., a private limited company established in the Netherlands, with its head office situated at Mr. Treublaan 7, 1097 DP, Amsterdam, the Netherlands, and registered with the Chamber of Commerce under number 56317441; or any of its UK subsidiaries and affiliates.

“Uber Money” has the meaning set out in section 3.1.

“Uber Money Terms” means these Uber Money terms of use, as amended or restated from time to time.

“Uber Payments” means Uber Payments UK Limited, a private limited company established in the United Kingdom, with its head office situated at Aldgate Tower, 2nd Floor, 2 Leman Street, London E1 8FA, and registered with Companies House under number 13586339.

“User” or “you” means you as the individual holding the Wallet.

“Wallet” means the digital wallet linked to your Uber registration in which we store your Uber Money.

“we” or “us” means Uber and/or Uber Payments, as appropriate (Uber Payments will be the provider of any regulated e-money and payment services).

3. What is Uber Money?

3.1. “Uber Money” is an electronically stored value in your Wallet that represents a claim on Uber Payments. Uber Payments issues Uber Money on the receipt of funds from you. You can use Uber Money to make payment transactions with other parties, for example Third Party Providers or Uber platforms.

3.2. In order to use Uber Money to make a payment, you will need to load sufficient Uber Money in accordance with section 4. After loading, you can use Uber Money for transactions as set out in section 5 and on the conditions set out in the remainder of these Uber Money Terms.

3.3. Uber Money qualifies as electronic money as defined in the Electronic Money Regulations 2011 (SI 2011/99). Because it is electronic money, protections offered by the Financial Services Compensation Scheme do not apply to your Uber Money.

3.4. You will not earn interest or any other benefit from the Uber Money held in your Wallet.

4. Loading Uber Money

4.1. You may load your Uber Money by any one or more of the following loading methods (where made available in Uber’s mobile applications and/or on its website from time to time):

a. debit card;

b. credit card; or

c. any other available Loading Method.

4.2. Your Uber Money will be credited as an amount equivalent to the amount of funds you transferred to Uber Payments by using an eligible Loading Method.

4.3. We may refuse a request to load Uber Money, for example, if loading Uber Money makes you exceed a threshold determined by us.

4.4. We may impose a maximum amount by which you may load your Uber Money or limit the number of times you may load your Uber Money within a specified period.

5. Using Uber Money

5.1. You can use Uber Money as a Payment Method for purchasing Transportation Services on Uber Rides and for purchasing Delivery Services on Uber Eats provided that you have an active and valid Uber registration. We may require you to add a secondary Payment Method to be able to use Uber Money as a Payment Method.

5.2. We reserve the right to modify the type of Transactions for which Uber Money can be used as a Payment Method.

5.3. You may not transfer Uber Money to other users of the Uber Platform.

5.4. When you enter into a Transaction and select Uber Money as a Payment Method, you consent to us or the Third Party Provider involved in that Transaction initiating a payment transaction with your Uber Money upon completion of the Transaction. If you owe Uber any fees or charges in relation to the Transaction, you consent to us initiating a payment transaction with your Uber Money upon completion of the Transaction.

5.5. Completion of a payment transaction using Uber Money will result in an immediate and irrevocable spending of your Uber Money. Your Uber Money will be used for the Transaction amount including any applicable taxes, fees or charges imposed by the Third Party Provider or Uber.

5.6. Where the expected amount of a payment transaction using Uber Money was not specified at the moment of authorisation, you may request a refund of that amount provided that it exceeded the amount you could have reasonably expected, taking into account your previous spending pattern and the relevant circumstances of the case. You may request such a refund within 8 weeks from the debit date. Within 10 business days following the receipt of your refund request we will either provide a refund or a justification for refusing the refund.

5.7. We will not charge you to use your Uber Money to pay Uber or any Third Party Provider. However, we may charge a “dormancy fee” (on a monthly basis) if you have not used your Uber Money for twelve consecutive months. Such a fee shall be reasonable and based on our costs for maintaining your Uber Money. Before we charge this fee, we will notify you at least three months’ notice in advance and request that you redeem your Uber Money, in line with section 7.

5.8. We reserve the right to suspend your use of Uber Money as a Payment Method for objectively justified reasons relating to the security of the Wallet and the Uber Money or the suspicion of unauthorised or fraudulent use of the Wallet. We will notify you of such suspension and the reasons for it prior to such suspension where possible, or at the latest immediately thereafter. You can contact us in relation to your suspension using the contact information detailed in section 15. We will not notify you of the suspension if this would compromise objectively justified security reasons or is prohibited by prevailing laws and regulations. We will reactivate your use of the Wallet once the reasons for suspension no longer exist.

6. Auto-refill Uber Money

6.1. Uber Payments may offer you the option to make automatic top-ups of your Uber Money from time to time (“auto-refill”). Auto-refill is only available where you have added an eligible Loading Method for your Wallet. You may opt to have one of these Loading Methods automatically charged by an agreed auto-refill threshold whenever your Uber Money drops to a specified minimum threshold as determined by us. If for example your Uber Money is denominated in euro, you could choose an auto-refill amount of 50 euro at a threshold of 20 euro.

6.2. By choosing auto-refill, you authorize Uber Payments on a continuing basis to charge an eligible Loading Method selected by you for payment transactions for the relevant auto-refill amounts. You can choose to turn off the auto-refill feature any time before the next charge. The selected auto-refill amount and threshold will continue to apply until you turn it off.

6.3. If the auto-refill is somehow reversed and you have already spent the Uber Money associated with the reversed auto-refill, you will owe Uber Payments the amount of the reversed auto-refill and you will be required to pay the reversed auto-refill amount through another Loading Method. In case of such a reversal, we may suspend the use of Uber Money by you.

7. Redemption

You may redeem the value of your Uber Money in whole or in part at any time. Uber Money can only be redeemed through the same Loading Method you used to load your Uber Money or, where made available by us, a transfer to your bank account. Uber Money cannot be redeemed for cash. We may request you to provide us with certain information in order to process your redemption request. We will not charge any fees for a redemption.

8. Customer identification, fraud identification and anti-money laundering

8.1. In order to ensure your security, prevent fraud or identity theft and comply with anti-money laundering and counter terrorist financing laws and regulations (as applicable), we will request information from you at the time of loading your first Uber Money to confirm your identity, to allow you to open and maintain a Wallet and to use Uber Money. We may also request additional information or documents to verify your information from time to time.

8.2. We may delay, suspend or block your access to and use of Uber Money until you comply with these information requests or other verification steps that may be required by Uber Payments at any time.

8.3. Uber Payments may, from time to time, be required to undertake financial crime screening to comply with applicable laws or regulations. You agree to assist Uber Payments and cooperate with any requests for information in this respect.

9. Authentication & security

9.1. We may require you to provide us with personalised security credentials, such as passwords, PIN codes, access codes (for example confirmation codes provided through Uber’s mobile applications and/or website or via SMS) or by using on-device biometric verification methods. Such personalised security credentials will be used to authenticate any instruction you give us through Uber’s mobile applications and/or website relating to your use of Uber Money. This will help us ensure that it is you who is accessing your Wallet and Uber Money.

9.2. You agree to take all reasonable steps to keep your personalised security credentials safe. This means that you must use your personalised security credentials with care and keep them secret. This for example means that (i) you should not write down or save these credentials, (ii) if you can choose a security code yourself, you make sure it is not easy to guess, (iii) you should make sure no-one can watch while you are entering a personalised security credential, (iv) you must never share a security code, whether via phone, e-mail or otherwise.

9.3. You must also make sure that any device on which you access Uber’s mobile applications and/or website is safe and secure. This for example means that you (i) make sure that the software used on your device is up to date and legal, (ii) use a password to safeguard access to the device, (iii) make sure your Uber registration cannot be used by any unauthorised parties, and (iv) log out when you are finished using your Uber registration.

10. Liability for unauthorised transactions

10.1. You agree to notify us immediately through the in-App user support system upon becoming aware of any fraudulent activity or theft or unauthorised use of or a payment transaction involving your Uber Money (an “unauthorised transaction”). Notifications may be made free of charge. You are still responsible for informing your financial institution or payment services provider of any fraud related to your payment card or Loading Method.

10.2. You are not liable for any unauthorised transactions, except where you have acted fraudulently or where you intently or grossly negligently (i) acted in breach with the Uber Money Terms, (ii) failed to notify us in accordance with section 10.1, or (iii) failed to act in accordance with sections 9.2 and 9.3. In those cases, you will bear the losses relating to any unauthorised payment transactions except where a court of law determines otherwise. You are not liable for unauthorised transactions which occurred after you notified us in accordance with section 10.1, except where you have acted fraudulently.

10.3. We will immediately refund you the amount of an unauthorised transaction provided you notify us without undue delay on becoming aware of such transaction and no later than 13 months after the transaction date. This does not apply if we have reasonable grounds for suspecting fraud. If the transaction disputed by you was in fact properly authorised, we may choose to reverse the refund from your Uber Money accordingly.

11. Liability for non-executed or defectively executed transactions

Uber Payments is liable to you for payment transactions using Uber Money which it did not execute or defectively executed. Its liability to you for such transactions is limited to the amount of the relevant transaction. We are not liable for any indirect or consequential damages you incur.

12. Liability in cases of abnormal and unforeseeable circumstances

We will not be liable under sections 10 or 11 in cases of abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite our efforts to the contrary, or where we are bound by other legal obligations covered by United Kingdom laws.

13. Amendment of Uber Money Terms

13.1. We may amend these Uber Money Terms for any of the following reasons (with any change being a reasonable and proportionate response to something that is affecting us or that we reasonably think will affect us):

a. because of a change in legal or regulatory requirements, for example we may have to change our requirements for keeping your Uber registration safe to meet new, higher standards set by law;

b. if the change benefits you, for example when introducing new products or services, or improving existing ones;

c. o reflect a change in our costs of running your Uber registration or providing you with related services, for example by introducing an account or transaction fee;

d. in response to possible risks to the security of your Uber registration, for example by changing the security steps you need to follow to access your e-money or make a payment with it; or

e. to respond to any other change that affects us, if it’s fair to pass on the effects of the change to you, for example to reflect developments in digital payments;

13.2. We will notify you at least two months prior to such amendments entering into effect. The amended Uber Money Terms will apply to you unless you inform us you do not accept them in which case you may terminate the Uber Money Terms free of charge before the amendments come into effect. If you do not terminate the Uber Money Terms before the amendments come into effect, the amended Uber Money Terms will apply to you.

14. Information provision

You can review your Uber Money transactions and amounts by logging into your Uber registration at any time. You can download a digital copy of this information through Uber’s mobile applications and/or website. The Uber Money displayed in your Uber registration will serve as conclusive evidence of your Uber Money. This functionality will be provided by Uber Payments.

15. General information

15.1. Contact details:

You can contact us at help.uber.com or on the following address:

Uber Payments UK Limited

Aldgate Tower,

2nd Floor,

2 Leman Street,

London

E1 8FA

15.2. Uber Payments UK Limited is authorized and regulated as an e-money institution under the Electronic Money Regulations 2011 by the Financial Conduct Authority (FRN:959722).

16. Privacy

We collect, use and disclose information from or about you as described in our Privacy Notice, and as described in section 8 for identity verification purposes. Additional privacy notices may apply, including from third party controllers, for Services offered by Uber or Third Party Services, and will be provided to you at the moment such services will be provided to you.

17. Miscellaneous Terms

17.1. If any section of these Uber Money Terms is deemed to be invalid, void or for any reason unenforceable, for example due to overriding provisions of United Kingdom consumer protection laws, whether in whole or in part, that section or part of that section shall be deemed severable and will not affect the validity and enforceability of any remaining sections of these Uber Money Terms. In addition, the Parties shall replace the relevant section or part of that section by provisions that are valid and binding and that have, to the greatest extent possible, a similar effect as the invalid, void or otherwise unenforceable section or part of that section, given the contents and purpose of these Uber Money Terms.

17.2. You do not have the right to assign or transfer the Uber Money Terms or the rights or obligations arising from it, in whole or in part, without the prior written consent of Uber Payments. Uber Payments has the right to assign or transfer the Uber Money Terms or the rights or obligations arising therefrom in whole or in part without your permission provided this will not lead to a reduction of the rights you are entitled to by virtue of these terms or by law.

17.3. You confirm that there are no external beneficiaries to these Uber Money Terms. Nothing that is included in the Uber Money Terms is intended, or may be construed as creating claims on behalf of third parties.

18. Language

We will communicate with you in English. Where we provide you with a translation of the Uber Money Terms, this is for your convenience only. The English language version of the Uber Money Terms is binding and will prevail in the event of a conflict with a version in a language other than English.

19. Term and termination

19.1. These terms are applicable for an undefined duration. You can terminate your use of the Wallet and the applicability of these Uber Money Terms at any time via Uber’s mobile applications and/or website or by closing your Uber registration. When you terminate the General Terms in accordance with their terms, we will consider this to also include termination of these Uber Money Terms.

19.2. Uber Payments may (subject to any prevailing laws) terminate these Uber Money Terms with respect to you taking into account a notice period of at least two months.

19.3. If these terms are terminated by you or us, we will return any funds held in your Uber registration to the Loading Method that you most recently used to load funds to your Uber registration (except if the reason for the termination means it would be unlawful for us to do this).

20. Complaints

20.1. You can notify us of any complaints regarding Uber Money through Uber’s mobile applications and/or website. If, after having followed our complaints procedure, you are not satisfied with the outcome, you may be able to file your complaint with the United Kingdom’s Financial Ombudsman Service (please see below). Alternatively, you may choose to file a case with an English civil court.

20.2. We will do our best to resolve your complaint as soon as possible, and send you a final response by email within 15 days of receiving the complaint. If, in exceptional circumstances, for reasons beyond our control, we need more time to respond, we’ll send you a holding reply within 15 days of receiving your complaint to let you know when you will receive our final response (which will be no later than 35 days from the date on which we first received your complaint).

20.3. If you do not receive our final response on time or you are unhappy with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service, details of which are available at http://www.financial-ombudsman.org.uk/consumer/complaints.htm. You can also call them on 0800 023 4567 or tell them about a complaint online (via https://help.financial-ombudsman.org.uk/help). Please note: the ombudsman may not consider a complaint if you have not provided us with the opportunity to resolve it previously.

21. Applicable Law and Jurisdiction

The Uber Money Terms and all non-contractual obligations arising thereafter are exclusively governed by and construed in accordance with the laws of English & Wales, and in relation to any suit, action or proceeding in respect of this Agreement, each of the parties irrevocably and unconditionally submits to the non-exclusive jurisdiction of the courts of England & Wales.

EXPLICIT CONSENT – Article 97, Payment Services Regulations 2017

You hereby give your consent in accordance with Article 97 of the Payment Services Regulations 2017 for Uber and Uber Payments to access, process and retain personal data necessary for enabling the use of Uber Money as set out in the Uber Money Terms. This personal data includes:

• your name, email address, phone number and address;
• Transaction information;
• payment or banking information (including related payment verification information);
• government identification document numbers, a copy of an identity card, driving license or passport if required by law, and date of birth, photo and signature.

This may be information that you provide directly, Uber Payments generates itself or that Uber Payments receives through a third party or receives partially from Uber.

Uber Payments uses this information, or shares this information with Uber, to:

• Verify your identity and where necessary request Uber to update your Uber registration;
• Facilitate the use of Uber Money, including making payment transactions;

For the other uses of your personal data by Uber and its affiliates, please check the Uber Privacy Policy available at https://privacy.uber.com/policy.

In enabling the use of Uber Money, Uber Payments will have to share personal data with its vendors, service providers and business partners. These include:

• Uber and Uber Payments subsidiaries and affiliates;
• Banks and other payment service providers; and
• Identity validation service providers.

You can revoke this consent at any time. However, please note that if you revoke this consent, you will not be able to use any Uber Money services.