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Instant Notifications | TEOLOGU Youth
Instant Notifications

Know when something happens.

Instant Notifications keep young people informed about important activity on their TEOLOGU account and card as it happens. From a new payment to money received, relevant activity can appear immediately so users always have a clearer picture of what is happening with their money. Your money moves. You stay informed.

9:41
Notifications · today
Campus canteen 12:40
Card payment · contactless
− €6.40
Money received 09:12
From parent · weekly support
+ €40.00
Online purchase 08:04
Above the €10 alert threshold
− €18.00
Subscription renewal Yesterday
Recurring · monthly
− €4.99
01 — Real-time account activity

See activity as it happens.

Receive notifications about relevant financial activity across the account and the card.

Eight activity types · one notification stream Most arrive within seconds
Card payments < 3s
Money received < 5s
Money sent < 5s
Cash withdrawals < 4s
Recurring payments < 3s
Card activity < 3s
Account activity < 10s
Other supported varies
Activity types and typical delivery
Card payments< 3s
Money received< 5s
Money sent< 5s
Cash withdrawals< 4s
Recurring payments< 3s
Card activity< 3s
Account activity< 10s
Other supported transactionsvaries
Card payments
Money received
Money sent
Cash withdrawals
Recurring payments
Card activity
Account activity
Other supported transactions
02 — Card payments

Know when your card is used.

Receive an instant notification when a payment is made with your Youth Card. This creates a simple connection between using the card and seeing the resulting transaction.

Campus canteen 12:40
Card payment · contactless
− €6.40
Amount Merchant Time
€
Amount
How much was spent, shown to the cent, in the currency of the transaction.
@
Merchant
Where the payment was made, using the name the merchant presents at the terminal.
◷
Time
When the transaction occurred, so the notification can be matched to the moment.
03 — Money in

Know when money arrives.

Receive notifications when money is received into your account — particularly useful for family transfers, regular support, payments, scholarships or grants and other eligible incoming money.

Inbound notification volume · 12 months Every bar is money that arrived
O N D J F M A M S O N D term start
Inbound notifications by month
October52
November60
December74
January64
February84
March70
April94
May78
September160
October130
November110
December152
Peak month
September
Term start drives transfers
Inbound this year
1,168
Across 12 months
Largest single
€320
A scholarship instalment
Average per month
97
Quietest month 52
04 — Money out

Stay aware of outgoing payments.

Know when money leaves your account. Instant notifications can help make everyday spending more visible and make unexpected activity easier to identify.

Spend→ Receive notification→ Stay informed
How quickly each outbound type reaches the user Measured from authorisation
Contactless payment instant
1.2s
Chip and PIN payment instant
2.4s
Online card payment near-instant
2.9s
Cash withdrawal after terminal
4.1s
Recurring payment at charge time
5.0s
Outbound transfer after clearing
8.6s
Scheduled bill batch cycle
42s
05 — Security awareness

A notification can be your first signal.

Real-time notifications help users recognise activity they may not expect. If a transaction appears unfamiliar, the user can review the activity and use available card controls where appropriate. For Under 18 accounts, parents or guardians may also receive relevant notifications depending on the account structure, permissions and applicable requirements.

1.2s
Median delivery
From card authorisation to the phone
98.4%
Delivered first try
The rest retry and still arrive
24/7
Monitoring active
No quiet hours on security events
2
People can be notified
Account holder and, where applicable, a guardian
How quickly unexpected activity gets noticed Before and after notifications
Noticed within 12h 30m 17h 50m 11h 20m Unexpected card use Duplicate charge Unrecognised merchant WITHOUT NOTIFICATIONS Under 3 seconds with Instant Notifications
How soon it is noticed
Unexpected card use · without12h 30m
Duplicate charge · without17h 50m
Unrecognised merchant · without11h 20m
With Instant Notifications
Unexpected card useunder 3s
Duplicate chargeunder 3s
Unrecognised merchantunder 3s
06 — Parent & guardian notifications

Stay informed without monitoring everything.

For eligible Under 18 accounts, parents and guardians can receive appropriate notifications about relevant activity. This can provide greater visibility while allowing the young person to continue using their account independently.

YOUNG PERSON GUARDIAN Card In Out Cash Sec. Acct. Solid = always notified Faded = where permitted
Both parties notified in full
Card payments, incoming money, outgoing money, cash withdrawals and security events reach the account holder and, where the account permits, the guardian.
5 categories
Guardian coverage is narrower
Account-event notifications are typically held back for the guardian of an older teenager, so the young person keeps a measure of privacy.
partial
Security always reaches both
Security-related events are the one category that is never reduced, regardless of age or account structure.
always
Card payment 12:40
Campus canteen · contactless · young person and guardian
− €6.40
Money received 09:12
From parent · young person and guardian
+ €40.00
Security event 08:04
Unrecognised merchant · both parties always
− €18.00
Account event Yesterday
Profile updated · young person only, guardian not notified
held back

Awareness without unnecessary oversight.

07 — Customise your experience

Receive the notifications that matter.

Users can manage available notification preferences to create an experience that works for them. Depending on the account and feature availability, notifications can be managed across several areas.

Payments

Card and transaction activity, including contactless, chip and PIN, and online purchases.

Card payments Online payments Refunds

Transfers

Money entering or leaving the account, including family support and scholarship payments.

Money received Money sent Scheduled transfers

Cards

Important card activity such as freezing, unfreezing and limit changes.

Card frozen Limit adjusted Card replaced

Account

Relevant account events such as profile changes, preferences and statements.

Profile updated Preferences changed Statement ready

Security

Important security-related events. These stay on regardless of other preferences.

New device login Unrecognised merchant Password changed
08 — Connected to the Youth experience

Notifications work alongside your other tools.

Instant Notifications are part of a wider Youth financial experience. Together they create a more informed way to manage money.

Instant Notifications
the thread that runs through all of it
Spending Insights
Helps you understand your activity — what happened and where it went.
Spending Limits
Helps you manage future spending — what is allowed and what is left.
Card Controls
Helps you control your card — freezing, payment types and permissions.
Savings Goals
Helps you work towards something — a target with visible progress.
Learning Alpha
Helps you understand the financial concepts behind it all.
Instant Notifications
The moment each of those actually matters — delivered as it happens.
09 — Learn from every transaction

Real financial activity can become a learning experience.

For younger users, seeing a notification after making a payment can reinforce the connection between spending money and seeing the balance change. Over time, these small interactions can help develop greater awareness of how money moves.

What a notification can reinforce · four moments Same activity, seen four ways
1
Spending happens
The card is used and the amount leaves the account.
2
Notification arrives
The amount, the merchant and the time, within seconds.
3
Balance is understood
The number changes in a way that can be matched to the purchase.
4
Awareness builds
Over months, the connection becomes second nature.
10 — Always with you

Your financial activity, as it happens.

Whether you're at school, university, travelling or simply going about your day, TEOLOGU keeps relevant financial activity visible when it matters.

School→ University→ Travelling→ Everyday
24/7
Notifications run
Wherever the card is and wherever the phone is
2×
Channels per event
Push and in-app, so nothing is missed
3s
Typical delivery
Card payments reach the phone almost immediately
0
Quiet hours on security
Security events are never held back

See it when it happens. Understand it as you go.

Important information

Instant Notifications is part of the TEOLOGU Youth product vision and may be introduced progressively.

Notifications are an informational feature. They help users stay aware of activity but do not block, reverse or prevent a transaction, and they are not a substitute for reviewing account activity. Delivery depends on device connectivity, notification permissions and supported providers, and can be delayed or interrupted.

Availability of notification types, preferences, guardian notifications and delivery channels may vary by country, the account holder's age, account structure and supported providers. Guardian notifications depend on the account type, the account holder's age and applicable law.

Learning Alpha content is general financial education and does not constitute financial, investment, tax or legal advice. Examples and figures shown on this page are illustrative. Where required, services may be provided through appropriately authorised entities or partners.

Your money moves. You stay informed.

Know when something happens, and understand it as you go.

See it when it happens. Understand it as you go.

Instant Notifications is part of the TEOLOGU Youth experience — activity on the account and card, delivered as it happens.