Plans, Fees and Limits

iCard Digital Wallet | Personal Clients

Plans

Valid from 25.03.2020

  • Order iCard Visa

  • Cash withdraw on ATM

  • Top-up prepaid phones

  • Fund via stored card

  • Make payments with virtual cards

  • Fund via bank transfer

  • Make outgoing bank transfers

  • Activate and manage GiftCards

  • iCard messenger encrypted chat

  • Store loyalty and discount cards

Starter account
Starter
  • Order iCard Visa

  • Cash withdraw on ATM

  • Top-up prepaid phones

  • Fund via stored card

  • Make payments with virtual cards

  • Fund via bank transfer

  • Make outgoing bank transfers

  • Activate and manage GiftCards

  • iCard messenger encrypted chat

  • Store loyalty and discount cards

Standard account
Standard

€15 000 maximum balance

  • Order iCard Visa

  • Cash withdraw on ATM

  • Top-up prepaid phones

  • Fund via stored card

  • Make payments with virtual cards

  • Fund via bank transfer

  • Make outgoing bank transfers

  • Activate and manage GiftCards

  • iCard messenger encrypted chat

  • Store loyalty and discount cards

No monthly fees or minimum balance requirements!

Accounts

Service Fees:
Open account Free of charge
Monthly service fee Free of charge
Annual service fee Free of charge
Money transfers:
Send money to other account within the system Free of charge
Receive money from other account within the system Free of charge
 
Account Funding Fees:
Funding via Trustly 1.5%, Min. 1.50 EUR, Max. 10.00 EUR
Funding via Bank transfer Free of charge
Funding via consumer card MasterCard/VISA, issued in EU 0.5%, Min. 0.10 EUR
Funding via other type card MasterCard/VISA/JCB 1.5%, Min. 0.75 EUR
Outgoing transfers to bank accounts:
Within the system Free of charge
Transfers in BGN currency 0.50 EUR
SEPA transfer 1.00 EUR
International Transfers in EUR 10.00 EUR
Outgoing transfer in CHF – 'SHA' 4.00 EUR
Transfer in CZK currency 4.00 EUR
Transfer in PLN currency 15.00 EUR
Transfer in RON currency 4.50 EUR
Transfer in GBP currency within EU and EEA countries 4.50 EUR
Transfer in HRK currency
(Amount of transfer in EUR or its exchange value in foreign currency at the date of transfer)
≤ 500.00 EUR 2.50 EUR
> 500.00 EUR and ≤ 10,000.00 EUR 7.50 EUR
International transfer – 'SHA' 0.2%, Min. 5.00 EUR
International transfer – 'OUR' (includes the fee for 'SHA') + 25.00 EUR
Request for cancellation / return of a payment - pending transfer 10.00 EUR
Request for cancellation / return of a payment - executed transfer in BGN 15.00 EUR
Request for cancellation / return of a payment - executed transfer SEPA & SWIFT 75.00 EUR + any fees charged by the Correspondent Bank
Investigation of an executed transfer initiated by a Correspondent Bank 50.00 EUR
SWIFT investigation commencing within 3 months of original transaction date 75.00 EUR + any fees charged by the Correspondent Bank
SEPA investigation commencing within 13 months of original transaction date 30.00 EUR + any fees charged by the Correspondent Bank
Other fees:
E-money redemption upon closing of an account 15.00 EUR
SEPA Direct Debit Processing 0.50 EUR
Refund of SEPA Direct Debit Payment 1.00 EUR
Tax Payment 0.25 EUR
  • 1. Variable fee based on the calculated percentage of the amount, but subject to a minimum flat fee
  • 2. When a bank transfer is sent outside EEA the charges will be paid (SHA/OUR) in accordance with the payers’ selection. If the option ‘OUR’ is chosen the charges will be fully collected from the payer and include all the expenses related to the transfer, as well as additional fee stated in the Tariff
  • 3. Available up to 5 working days
  • 4. For investigations commencing after 3 months of original transaction date, we will communicate the charges after receiving the information from the Correspondent Bank.
  • 5. You can request a refund of a SEPA Direct Debit debited within a period of eight weeks after the execution date and of any unauthorized transaction after eight weeks and up to thirteen months after the payment

Cards

Tap and Pay Contactless card

Service Fees:
Main card issuance Free of charge
Monthly service fee Free of charge
Transaction fees:
ATM Cash withdrawal in BGN 0.50 EUR
ATM cash withdrawal in EU countries 2.00 EUR
ATM cash withdrawal in non-EU countries 3.00 EUR
ATM Deposit Free of charge + any ATM usage fees
ATM Balance check 0.50 EUR
POS cash withdrawal 1.0% + 3.00 EUR, Min. 5.00 EUR
Payment on POS terminal Free of charge
Fee for initiating chargeback procedure 5.00 EUR + any additional charges from the Card shemes
  • 1. ATM fees could be charged. Check displayed details on the ATM during the operation
  • 2. Variable fee based on the calculated percentage of the amount, but subject to a minimum flat fee. The POS Operator can charge additional fees.

iCard Visa Card

Service Fees:
Main card issuance Free of charge
Additional card issuance 1.00 EUR
Replacing of expired card Free of charge
Replacing of non-expired card (loss, theft, stolen, damaged) 3.00 EUR
Transaction fees:
ATM Cash withdrawal in BGN 0.50 EUR
ATM cash withdrawal in EU countries 2.00 EUR
ATM cash withdrawal in non-EU countries 3.00 EUR
ATM Deposit Free of charge + any ATM usage fees
ATM Balance check 0.50 EUR
POS cash withdrawal 1.0% + 3.00 EUR, Min. 5.00 EUR
Payment on POS terminal Free of charge
Internet payments Free of charge
Original credit transaction 1.00 EUR
Fee for initiating chargeback procedure 5.00 EUR + any additional charges from the Card shemes
  • 1. Not applicable in case of replacing defect card/tag for which Issuer is responsible.
  • 2. ATM fees could be charged. Check displayed details on the ATM during the operation
  • 3. Variable fee based on the calculated percentage of the amount, but subject to a minimum flat fee. The POS Operator can charge additional fees.
  • 4. Аpplied for direct payouts to your cards.

iCard Visa Infinite Card

Service Fees:
Main card issuance Free of charge
Additional card issuance 9.99 EUR
Pre-order Monthly Plan - service fee per month during the 1st year 5.99 EUR
Monthly subscription – service fee per month 9.99 EUR
Annual subscription – service fee per year 99.99 EUR
Service cancelation 25.99 EUR
Replacing of expired card Free of charge
Replacing of non-expired card (loss, theft, stolen, damaged) 19.99 EUR
Transaction fees:
First 5 Cash withdrawals in EU countries Free of charge
ATM Cash withdrawal in BGN 0.50 EUR
ATM cash withdrawal in EU countries 2.00 EUR
ATM cash withdrawal in non-EU countries 3.00 EUR
ATM Deposit Free of charge + any ATM usage fees
ATM Balance check 0.50 EUR
POS cash withdrawal 1.0% + 3.00 EUR, Min. 5.00 EUR
Payment on POS terminal Free of charge
Internet payments Free of charge
Original credit transaction 1.00 EUR
Fee for initiating chargeback procedure 5.00 EUR + any additional charges from the Card shemes
  • 1. Promotional price during only the 1st year of the iCard Visa Infinite Agreement and valid for pre-orders. After the end of first year, the service will be switched automatically to the regular monthly subscription plan.
  • 2. The service fee will be applied once a month during the term of the iCard Visa Infinite Agreement if you choose the monthly subscription plan
  • 3. The service fee will be applied once a year during the term of the iCard Visa Infinite Agreement if you choose the annual subscription plan
  • 4. Available for the monthly subscription plans only
  • 5. Not applicable in case of replacing defect card/tag for which Issuer is responsible.
  • 6. ATM fees could be charged. Check displayed details on the ATM during the operation
  • 7. Variable fee based on the calculated percentage of the amount, but subject to a minimum flat fee. The POS Operator can charge additional fees.
  • 8. Аpplied for direct payouts to your cards.

Virtual iCard

Account Service Fees:
First 2 virtual cards issuance (one Visa and one Mastercard) Free of charge
Additional card issuance 1.00 EUR
Replacing of expired additional virtual card 1.00 EUR
Monthly service fee Free of charge
Transaction fees:
Internet payments Free of charge
Original credit transaction 1.00 EUR
Fee for initiating chargeback procedure 15.00 EUR
  • 1. The two first virtual cards are free of charge and will be automatically replaced free of charge after their expiration date
  • 2. Аpplied for direct payouts to your cards.

Virtual e-GiftCard

Account Service Fees:
Main card issuance 1.00 EUR
Monthly service fee 3.00 EUR
Transaction fees:
Internet payments Free of charge
Payment on POS terminal Free of charge
Original credit transaction 1.00 EUR
Fee for initiating chargeback procedure 15.00 EUR
  • 1. Starts after the 6th month of the Virtual e-GiftCard receiving and will be applied to the remaining balance
  • 2. Contactless payments on POS are currently available only for e-GiftCards Mastercard with NFC-enabled mobile devices
  • 3. Аpplied for direct payouts to your cards.

Plastic GiftCard

Account Service Fees:
Card issuance 5.00 EUR
Replacing of non-expired card (loss, theft, stolen, damaged) 6.00 EUR
Monthly service fee 3.00 EUR
Transaction fees:
Internet payments Free of charge
Payment on POS terminal Free of charge
PIN change on ATM Free of charge
Original credit transaction 1.00 EUR
Fee for initiating chargeback procedure 15.00 EUR
E-money redemption upon closing of an account 10.00 EUR
  • 1. Not applicable in case of replacing defect card/tag for which Issuer is responsible.
  • 2. Starts after the 6th month of the GiftCard receiving and will be applied to the remaining balance
  • 3. Аpplied for direct payouts to your cards.

NFC Wearables

Transaction fees:
Payment on POS terminal Free of charge
Fee for initiating chargeback procedure 5.00 EUR + any additional charges from the Card schemes

Limits

Standard Plan Limits (EUR)

iCard account
Money transfers within the system
Single Amount -
Daily Count -
Amount 5000
Weekly Count -
Amount -
Monthly Count -
Amount 15000
Annual Count -
Amount -
Money transfers outside the system
Single Amount -
Daily Count -
Amount 5000
Weekly Count -
Amount -
Monthly Count -
Amount 15000
Annual Count -
Amount -
Funding via Bank transfer
Single Amount -
Daily Count -
Amount -
Weekly Count -
Amount -
Monthly Count -
Amount 50000
Annual Count -
Amount -
Funding via Stored cards / not verified
Single Amount 100
Daily Count -
Amount 100
Weekly Count -
Amount -
Monthly Count -
Amount 500
Annual Count -
Amount 1000
Funding via Stored cards / verified
Single Amount 500
Daily Count -
Amount 2000
Weekly Count -
Amount -
Monthly Count -
Amount -
Annual Count -
Amount 25000
Maximum spending including outgoing transfers, money transfers within the system and card transactions
Single Amount -
Daily Count -
Amount -
Weekly Count -
Amount -
Monthly Count -
Amount 25000
Annual Count -
Amount -
Maximum funding including inbound transfers, money transfers within the system and card transactions
Single Amount -
Daily Count -
Amount -
Weekly Count -
Amount -
Monthly Count -
Amount 50000
Annual Count -
Amount -
Тotal amount of transactions with all issued cards
Single Amount -
Daily Count -
Amount 10000
Weekly Count -
Amount -
Monthly Count -
Amount 25000
Annual Count -
Amount -
Total amount of cash withdrawals with all issued cards
Single Amount -
Daily Count -
Amount 2000
Weekly Count -
Amount -
Monthly Count -
Amount 5000
Annual Count -
Amount -
Total amount of POS payments with all issued cards
Single Amount -
Daily Count -
Amount 10000
Weekly Count -
Amount -
Monthly Count -
Amount 25000
Annual Count -
Amount -
Total amount of online payments with all issued cards
Single Amount -
Daily Count -
Amount 10000
Weekly Count -
Amount -
Monthly Count -
Amount 25000
Annual Count -
Amount -
Cash funding
Single Amount 2000
Daily Count -
Amount 4000
Weekly Count -
Amount -
Monthly Count -
Amount 15000
Annual Count -
Amount -
Tap & Pay Contactless Card
Payments on POS
Single Amount 2500
Daily Count 50
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
Cash withdrawal (ATM and POS)
Single Amount 300
Daily Count 5
Amount 1000
Weekly Count -
Amount 2000
Monthly Count -
Amount 2000
Annual Count -
Amount -
Virtual Card iCard
Payments in Internet
Single Amount 2500
Daily Count -
Amount 2500
Weekly Count -
Amount 5000
Monthly Count -
Amount 5000
Annual Count -
Amount -
Virtual e-GiftCard
Maximum funding amount of Virtual Gift Card
Single Amount 5000
Daily Count -
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
Maximum received amount via Virtual Gift Card
Single Amount 5000
Daily Count -
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
Payments in Internet
Single Amount 2500
Daily Count -
Amount 2500
Weekly Count -
Amount 5000
Monthly Count -
Amount 5000
Annual Count -
Amount -
Payments on POS
Single Amount 2500
Daily Count 25
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
iCard Visa Debit Card
Cash withdrawal (ATM and POS)
Single Amount 300
Daily Count 5
Amount 1000
Weekly Count -
Amount 2000
Monthly Count -
Amount 2000
Annual Count -
Amount -
Payments on POS
Single Amount 2500
Daily Count 25
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
Payments in Internet
Single Amount 2500
Daily Count -
Amount 2500
Weekly Count -
Amount 5000
Monthly Count -
Amount 5000
Annual Count -
Amount -
ATM Deposit
Single Amount 2000
Daily Count -
Amount 4000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
iCard Infinite Card
Cash withdrawal (ATM and POS)
Single Amount 500
Daily Count -
Amount 2000
Weekly Count -
Amount 5000
Monthly Count -
Amount 5000
Annual Count -
Amount -
Payments on POS
Single Amount 5000
Daily Count -
Amount 10000
Weekly Count -
Amount 25000
Monthly Count -
Amount 25000
Annual Count -
Amount -
Payments in Internet
Single Amount 5000
Daily Count -
Amount 10000
Weekly Count -
Amount 25000
Monthly Count -
Amount 25000
Annual Count -
Amount -
ATM Deposit
Single Amount 2500
Daily Count -
Amount 4000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
iCard NFC Wearable
Payments on POS
Single Amount 2500
Daily Count 50
Amount 5000
Weekly Count -
Amount 15000
Monthly Count -
Amount 15000
Annual Count -
Amount -
Cash withdrawal (ATM and POS)
Single Amount 300
Daily Count 5
Amount 1000
Weekly Count -
Amount 2000
Monthly Count -
Amount 2000
Annual Count -
Amount -
iCard Plastic GiftCard
Minimum funding amount of a Plastic GiftCard
Single Amount 10
Daily Count -
Amount -
Weekly Count -
Amount -
Monthly Count -
Amount -
Annual Count -
Amount -
Maximum funding amount of a Plastic GiftCard
Single Amount 800
Daily Count -
Amount 800
Weekly Count -
Amount 10000
Monthly Count -
Amount 10000
Annual Count -
Amount -
Maximum received amount via Plastic GiftCard
Single Amount 800
Daily Count -
Amount 800
Weekly Count -
Amount 10000
Monthly Count -
Amount 10000
Annual Count -
Amount -
Payments in Internet
Single Amount 800
Daily Count -
Amount 800
Weekly Count -
Amount 5000
Monthly Count -
Amount 5000
Annual Count -
Amount -
Payments on POS
Single Amount 800
Daily Count 25
Amount 800
Weekly Count -
Amount 10000
Monthly Count -
Amount 10000
Annual Count -
Amount -