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U is a trading name of Shelby Finance Ltd, a subsidiary of Morses Club PLC (Company Number: 08117620). U is not a bank. U Accounts are serviced online. U does not offer overdrafts. This card is issued by Modulr FS Limited as a principal member of Visa Europe. Modulr FS Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900573) for the issuing of electronic money and to provide payment services. Visa and the Visa brand mark are registered trademarks of Visa Europe.