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While Penny and our support team can resolve most questions quickly, some issues require a more detailed investigation.
This might involve working with one of our specialist teams or one of our regulated partners to fully understand what has happened and identify the correct resolution.
Every complex issue is investigated fairly, thoroughly and as quickly as possible.
What Happens to Complex Issues?
When a more complex issue is identified, it will be reviewed by the appropriate team.
Depending on the nature of the issue, this may involve:
Where another organisation may be responsible for part of the issue, we may work directly with them to help resolve it.Keeping You Updated
If your issue requires additional investigation, we'll keep you informed throughout the process.
Our aim is always to resolve issues as quickly as possible while making sure we've fully investigated the circumstances before providing a final response.
Fair and Thorough Investigations
Every complex issue is assessed consistently and fairly.
As part of our investigation, we'll consider:
Learning from Customer Feedback
Complex issues don't just help resolve individual cases—they also help us improve our products and services.
Where appropriate, we carry out a root cause analysis to understand why an issue occurred and identify improvements that can help prevent similar issues in the future.
In Summary
If your issue is more complex:
Our goal is to resolve every issue as quickly as possible while ensuring every customer receives a fair and thorough outcome.

Yeeld's products and services are provided by Yeeld Financial Services LTD (15776510) and Yeeld Investments LTD(15775018), wholly owned subsidiaries of Yeeld Technologies LTD (14870361) registered in England and Wales with a registered office at Level 18, 40 Bank Street, Canary Wharf, London, England, E14 5NR.
This card is issued by Transact Payments Limited pursuant to licence by Visa Europe Limited. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. Electronic money accounts and related payment services are provided by Transact Payments Limited, a payment and electronic money institution authorised and regulated by the Gibraltar Financial Services Commission (GFSC) to offer payment and electronic money services in Gibraltar and the United Kingdom. Registered office: 6.20 World Trade Center, 6 Bayside Road, Gibraltar, GX11 1AA. Incorporation number 108217. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme, your funds will be held in one or more segregated accounts and safeguarded in line with Part 4 of the Financial Services (Electronic Money) Regulations 2020.
The Authorised Push Payment (APP) Fraud Reimbursement rules, that apply to bank and payment service providers for relevant UK consumer accounts,do not apply to the accounts provided by TPL.
For more information on how to prevent APP Fraud from happening, please visit our FAQ section on Fraud.
Yeeld Investment Limited (FCA no: 1019161) is an appointed representative of WealthKernel Limited is authorised and regulated by the Financial Conduct Authority, no. 723719, registered in England and Wales, no. 09686970, with a registered office at 41 Luke St, London, UK, EC2A 4DP. All assets held under custody are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000. Please refer to https://www.fscs.org.uk for more information.