BANKTO maintains comprehensive documentation to ensure compliance with European Union regulations, including GDPR, PSD2, MiFID II, and AMLD5. All documentation is available below.
BANKTO operates in compliance with the following key EU regulations:
Comprehensive data protection framework governing the collection, processing, and storage of personal data of EU residents.
Regulation establishing requirements for payment service providers, including strong customer authentication and open banking.
Directive regulating investment services, including conduct of business rules and investor protection requirements.
Directive strengthening AML/CTF requirements, including beneficial ownership transparency and crypto asset regulation.
BANKTO implements comprehensive data protection measures in compliance with GDPR, including lawful basis for processing, data subject rights, data protection impact assessments, and data processor agreements. All personal data of EU residents is processed with explicit consent and maintained with appropriate security safeguards.
BANKTO's payment services comply with PSD2 requirements, including Strong Customer Authentication (SCA) for payment transactions, open banking connectivity, and payment initiation service provider (PISP) integration. All payment services are provided with appropriate consumer protections and dispute resolution mechanisms.
BANKTO's investment services comply with MiFID II conduct of business rules, including suitability assessments, best execution obligations, and investor categorization. All investment services are provided with appropriate risk disclosures and investor protection measures.
BANKTO maintains comprehensive AML/CTF compliance procedures in accordance with AMLD5, including customer due diligence, beneficial ownership verification, transaction monitoring, and sanctions screening against EU, OFAC, and UN sanctions lists.
BANKTO provides EU consumers with comprehensive rights including access to complaints procedures, alternative dispute resolution (ADR), and access to ombudsman services. All consumer disputes are handled in accordance with EU consumer protection regulations.
Comprehensive privacy notice compliant with EU General Data Protection Regulation (GDPR)
Terms of Use adapted for EU regulatory requirements and consumer protection laws
Documentation of compliance with EU Payment Services Directive 2 (PSD2) requirements
Markets in Financial Instruments Directive II (MiFID II) compliance documentation
Fifth Anti-Money Laundering Directive (AMLD5) compliance framework and procedures
Standard Data Processing Agreement for GDPR compliance with data processors
EU-compliant cookie policy with consent management and transparency
Procedures for exercising GDPR Article 17 right to erasure (right to be forgotten)
As a resident of the European Union, you have the following rights under GDPR:
Request a copy of your personal data held by BANKTO
Request correction of inaccurate or incomplete personal data
Request deletion of your personal data (right to be forgotten)
Request your data in a structured, portable format
Object to processing of your personal data
Request restriction of processing of your data
For data protection inquiries and to exercise your GDPR rights:
Email: [email protected]
If you have concerns about BANKTO's compliance with EU regulations, you may lodge a complaint with your local data protection authority or financial regulator.
BANKTO is committed to maintaining the highest standards of compliance with European Union regulations. We conduct regular compliance audits, maintain comprehensive documentation, and provide transparency to our users regarding how their data is processed and how our services comply with applicable regulations. Our compliance framework is continuously updated to reflect changes in regulatory requirements and industry best practices.
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