FAQ

What is a Starter plan?

The Starter plan gives you access to most of the iCard features and services with a transactional limit of up to €250. It enables you to explore the product and get a sense of all its benefits. With the Starter plan you can try the following services:

  • free and instant money transfers between iCard users
  • order your free iCard Visa debit card for POS, online payments and ATM cash withdrawals wherever you are; The max cash withdrawal sums for this plan is up to €100.00 per transaction
  • option to send 1 e-GiftCard - a unique present for your loved ones
  • contactless payments with your phone (on NFC-enabled Android phones)
  • funding via linked debit or credit card

Your Starter plan comes with no monthly fees and no minimum balance requirements.

You also have the option for a free upgrade to the iCard Standard plan in order to get full access to all our services and to get your transactional limit lifted to €50,000.00 per month.

All you need to do is to verify your identity in a 5-minute video chat. Learn more about identity verification here.

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What is a Standard plan?

The Standard plan gives you full access to all iCard features and services + much higher transactional limits of up to €50,000.00 per month. With the Standard plan you can:

  • send and request free and instant money transfers between iCard users
  • get up to 20 virtual Mastercard and Visa cards for safe online shopping
  • order up to 5 iCard Visa debit cards for POS and online payments and ATM cash withdrawals wherever you are
  • send e-GiftCards - the unique present for your loved ones, family and friends
  • make quick, easy and convenient contactless payments with your phone (on NFC-enabled Android phones)
  • fund your wallet via linked debit or credit card
  • fund your wallet via bank transfer
  • send and receive SEPA and SWIFT bank transfers

Your Standard plan comes with no monthly fees and no minimum balance requirements.

All you need to do to upgrade from a Starter to a Standard plan is to verify your identity in a 5-minute video with one of our friendly operators. Learn more about identity verification here.

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Is it free to upgrade to a Standard plan?

YES. All you need to do to upgrade from a Starter to a Standard plan is to verify your identity in a 5-minute video with one of our friendly operators. Learn more about identity verification here.

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How to start the video identification chat?

Make sure your phone is well charged and login to your iCard digital wallet. Then go to the "Main Menu" situated in the top left corner of your wallet’s home screen and select: ”Raise your payment limits”. All you need to do is follow the instructions.

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Why do I need to verify my identity?

As a financial institution we need to know who you are. We are legally required to verify your identity before we grant you access to the full range of financial features and services provided by iCard. It is designed to comply with the latest banking regulations and laws.

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How do I verify my identity?

You can verify your identity in a 5-minute video chat with one of our friendly operators. They will guide you through the steps during the video chat. Бefore you start the chat, make sure you are in a quiet place with a good light and have a valid ID document with you. We will ask you to show the document during the video chat and answer some questions. Before the verification begins, we’ll check whether your internet connection is strong enough. We suggest using Wi-Fi to prevent your call being dropped.

Read this article for a complete and comprehensive information on the process.

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Why should I upload additional documents?

Normally identity verification is completed within 24 hours after the video chat and you will receive a confirmation email. In some cases, we may require additional information from you, as a follow up to the video chat.

  1. We may ask you for “proof of address” documents:
  2. If the ID you used during the video chat does not have an address on it. A proof of address document could be a bank statement or a utility bill (all utility bills issued in the last 3 months are accepted but phone bills).

  3. We may ask you for а “residence permit”:
  4. If your country of origin is outside of the EEA

    Example:
    You are currently living in Italy but you were born in Brazil and you hold a Brazilian national ID. During the video chat with our agent, you showed your Brazilian passport. You need to be an EEA resident to be able to use our iCard digital wallet. Therefore we will ask you to send us a valid residence permit for an EEA country. In case that there is no address displayed on your residence permit, we will ask you to additionally send us a “proof of address” document.

  5. We may ask you for “аn alternative ID” in some of the following cases:
    • the ID you showed us is worn off and the information on it is not readable
    • our agents noticed any discrepancies
    • your ID will expire in less than 3 months
    • Your ID is not a biometric document

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In what countries can I register for the iCard digital wallet?

You need to be a permanent EEA resident in order to be able to register and open accounts with the iCard digital wallet.

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Can I use the iCard digital wallet outside of the EEA?

You can use Tap & Pay, the iCard Visa, the virtual cards and the e-GiftCards for shopping and making payments outside of the EEA and all over the world.

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Can I have multiple accounts in different currencies?

YES. You can open up to 3 accounts in each of the 7 currencies in iCard. The available currencies at the moment are: EUR, USD, GBP, CHF, HRK, BGN and RON. We will add more currencies very soon, so stay tuned!

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Where can I find my IBAN and BIC numbers?

To find your IBAN and BIC numbers, simply login to your iCard wallet and open the "Main Menu"; then select “Accounts”. Tap on the 3 dots, next to the account which IBAN you want to see, and select “Settings & Details”.

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How can I receive a statement?

If you want to receive a statement for any of your iCard accounts, simply send a request to support@icard.com.

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I forgot my passcode. What should I do?

You can easily restore your iCard passcode. Just click on the “Forgotten passcode” link situated on the app login screen and follow the instructions.

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Can I change the email address or phone number I used at registration?

YES. If you want to change your email send us a request to support@iCard.com. In case you want to change your phone number, please send us a request to the email above and include your latest phone bill with the new number and your name on it.

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How to fund my wallet with a debit or credit card?

To fund iCard from a debit or credit card you should always first store it in your digital wallet. You can store up to 5 debit/credit cards with the Standard plan and just one with the Starter plan. To store a new card:

  1. Login to your iCard digital wallet
  2. Go to "Main Menu"
  3. Click "Stored cards"
  4. Add a new one by the red "PLUS" button
  5. Fill in the data and follow the instructions

Once your card is stored, you need to verify it.

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How to verify a stored card?

Once you store your card, we will apply a small, fully refundable charge. The transaction will appear on your bank statement or online banking. In the transaction details, you will find a 4-digit security code.

Once you retrieve the security code:

  1. Login to your iCard digital wallet
  2. Go to "Main Menu"
  3. Click "Stored cards"
  4. Tap on the card you want to verify
  5. Select “Verify” and enter the 4-digit security code

*After you finish this process and your card is verified we will refund the charged amount to your iCard balance.

Depositing funds from your stored cards is not automatic and only you can initiate this type of operation.

Once a debit/credit card is associated to your iCard registered profile, it can’t be stored to another iCard registered profile.

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How to fund my wallet via manual bank transfer?

You can order a bank transfer from any bank worldwide to your iCard digital wallet IBAN. Just make sure you are upgraded to the Standard plan. Mind, that if you have multiple accounts, each of them has its uniques IBAN. Here is how to locate your IBAN:

  1. Login to your iCard digital wallet
  2. Go to tab "ACTIVITY"
  3. Tap the "PLUS" button
  4. Click on “Add money”
  5. Go to the “BANK” Tab and choose the account you wish to fund

Once you have copied or shared the iCard account details, go to any bank and send a transfer from the bank to the iCard IBAN.

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Как да заредя портфейла си с пари в брой?

Можеш лесно и удобно да зареждаш дигиталния си портфейл iCard с пари в брой на всеки iCard банкомат в страната, както и на определени обекти на партньорите ни OMV и FastPay. Виж къде се намират нашите банкомати и партньорски обекти тук.

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How to fund my wallet via internal money transfer from another iCard user?

You can easily request money from family and friends directly from the iCard digital wallet. Transfers are free for both sides! When someone sends you money, it will hit your balance right away, and both accounts - yours and the sender’s will be updated instantly.

  1. Go to tab "ACTIVITY"
  2. Tap the "PLUS" button
    Click on “Add money” and locate the "REQUEST" tab
  3. Type the email or phone number of the person you want to request money from or choose from your phone book
  4. Type the amount and fill in the payment reason
  5. Click the “Request now” button

Another option to request money is directly through the iCard Messenger:

  1. Go to "ACTIVITY" tab and tap the "PLUS" button
  2. Select “Start a chat”
  3. Choose the receiver from your phone book and follow the instructions. If the receiver is not from your phone book, simply enter manually his/her phone number or email.

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How to fund my wallet instantly via Trustly?

Now Europeans can make instant transfers and payments directly from a bank account through Trustly.

iCard’s Digital Wallet can be funded easily through the mobile interface, just follow the simple steps:

  1. Login to your iCard wallet
  2. Go to “ACTIVITY” tab, tap on the “PLUS” button and select “Add money”. Alternatively go to “Main menu” and select “Add money to iCard”
  3. Select Тrustly from the options
  4. Enter the amount and select which iCard account you wish to fund.
  5. Select your bank from the list and login with your password.

Note: Funding with Trustly is available with Standard plan only.

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How can I send a bank transfer?

With the iCard Standard plan you can make local and cross-border SEPA and SWIFT bank transfers directly from your wallet. Simply go to the "Main Menu", select “Transfer to a bank” and follow the instructions.

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How long does it take for a bank transfer to be executed?

Processing time for outgoing bank transfers depends on the type of transfers:

  • Standard SEPA transfers usually take between 1-2 business days
  • SWIFT transfers may take between 3-4 business days
  • Local transfers usually execute on the same day

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What is a free P2P internal money transfer?

A P2P money transfer refers to “people-to-people” or “peer-to-peer” transfers. It is the iCard internal service that allows you to send and receive instant, free money transfers to people using the iCard digital wallet.

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How to send a free P2P internal money transfer?

Sending money to anyone with your iCard digital wallet is quite easy, all needed is the receiver’s phone number or email. There are 3 ways to send an instant and free internal money transfer.

Through the "Main Menu"

  1. Open the "Main Menu"
  2. Select “Payment requests” and tap on the blue “PLUS” button
  3. Choose the receiver from your phone book. If the receiver is not from your phone book, simply enter manually his/her phone number or email.
  4. Fill in the amount, choose currency and account the money will be send from and click Send

Through the "PLUS" button

  1. Go to the "ACTIVITY" tab
  2. Tap the "PLUS" button and select “Send money”
  3. Choose the receiver from your phone book. If the receiver is not from your phone book, simply enter manually his/her phone number or email.
  4. Fill in the amount, choose currency and account the money will be send from and click Send

Directly through the iCard Messenger.

  1. Login to your wallet, go to "ACTIVITY" tab and tap the "PLUS" button
  2. Select “Start a chat”
  3. Choose a friend from your phone book or simply enter manually his/her phone number or email
  4. When the chat window opens, select the “currency icon” and follow the instructions

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Can I send a free P2P internal money transfer to people not on iCard digital wallet?

YES. When you try sending money to someone not on iCard yet, iCard will allow you to send invitation to that person first. The receiver shall download the application and register in order to get money transfers from you.

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What is iCard Visa?

iCard Visa is a contactless debit card that can be used for online and POS payments on any contactless POS terminal accepting Visa cards. The iCard Visa also gives you easy access to ATM cash withdrawals wherever you are. Each iCard Visa can be linked to a different currency account inside your digital wallet, thus deducting from its balance when making a payment.

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Is the iCard Visa free? Can I have more than one?

You can order up to five iCard Visa cards. Your first iCard Visa is a gift from the iCard’s Team and is free of charge. For each additional card you’d be asked to pay a small one time fee. There are two delivery options available: via postal services or express delivery with courier.

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How to order my iCard Visa?

You can order your iCard Visa during the initial registration process at iCard or directly from your iCard digital wallet afterwards:

  1. Login to your wallet;
  2. Tap on the "PLUS" button;
  3. Select “iCard Visa” and follow the instructions;

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Are there any service fees associated with the iCard Visa?

There are no monthly or annual service or maintenance fees. No transactional fees for payments on POS and online payments either. You may be charged a fee for cash withdrawals and ATM transactions depending on the ATM service that you use. There is also a small flat fee applied for OCT transactions*.
To check the applicable fees:

  1. Login to your iCard wallet
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. From the drop down select “iCard Visa”

*OCT (Original Credit Transaction) is a payment method that allows funds to be transferred from a 3rd party directly to your issued cards – virtual Visa and Mastercard, iCard Visa and e-GiftCards.

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How long does it take for my iCard Visa to arrive?

Delivery period depends on the delivery address location and remoteness. Express deliveries by courier usually take between 3 and 5 days. Regular postal deliveries may take longer – between 15 and 30 days depending on your location.

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How to activate my iCard Visa and get my PIN?

For security reasons we deliver your iCard Visa to you inactive. Once you activate it we will send you your PIN via SMS.

Here is how to activate your iCard Visa once it arrives:

  1. Login to your iCard wallet
  2. Locate your iCard Visa on the home screen
  3. Tap on the “My card arrived” button
  4. Enter the 16-digits number of your card
  5. You will receive an SMS with your PIN number

Your iCard Visa is now active and ready to use!

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I forgot my PIN, what should I do?

You can access it anytime by selecting your iCard Visa from the list of cards and taping on the PIN button. You will receive an SMS with your PIN

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How to change my iCard Visa PIN?

Your PIN can be changed on any ATM. Please bare in mind that some fees may apply depending on the ATM service.

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I haven’t received my card. What should I do?

If you haven’t received your card within 14 days from the order date for express deliveries and 30 days for regular post office deliveries, please contact us at support@icard.com.

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I lost my card or I think it may be stolen. What should I do?

Immediately freeze your card, so no one can use it.

  1. Login to your wallet
  2. Accedi al tuo portafoglio
  3. Tap on the “Freeze” button

This way you will restrict all unauthorised payments with the card.

As soon as your card is frozen, get in touch with us at +442031291213 and we will take care of the rest.

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My iCard Visa is expiring soon. How can I get a new one?

Don’t worry, we will take care of everything. One month prior to the card expiry date, we will send you an email with detailed information about your card replacement. We will ask you to confirm the delivery address, so we can send you a new and free iCard Visa as soon as possible.

All you need to do is to activate your renewed card once you receive it.

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Can I set spending limits on my iCard Visa?

YES. Your iCard Visa helps you stick to a budget by granting you full control over your spending.

  1. Login to your iCard wallet
  2. Tap on the card you want to limit
  3. Tap on “Settings”
  4. Define daily, weekly and monthly limits

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Can I restrict certain types of transactions with my iCard Visa?

Sure you can do this! It’s easy and quick! It’s up to you to decide what kind of transactions can be made with your iCard Visa. Login iCard, tap on your iCard Visa to open it and then tap on “Settings”.

With just few clicks you can allow or disallow online payments, POS purchases as well as cash withdrawals.

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Will I be notified for transactions?

YES! You will receive real time notifications for every transaction made with your iCard Visa through email.

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What is Tap & Pay?

Tap & Pay is a feature of your digital wallet which allows you to make contactless payments directly with your phone, on POS terminals, accepting Visa and Mastercard. It can also be used to withdraw cash on NFC enabled ATM terminals.

The Tap & Pay function is available in iCard digital wallet’s version for Android only.

It can be found right after you login in your wallet. You will see the “Tap & Pay” button on top of the screen inside the “Wallet” tab. You will also have a Tap & Pay card inside the list of all your other cards. You can use the Tap & Pay card if you want to change some payment settings such as defining limits and restricting certain types of transactions.

In addition, you can use all your Mastercard e-GiftCards to make contactless payments on POS with your phone.

To use Tap & Pay, make sure that your mobile device is NFC enabled. If it is not, you will see a red exclamation mark right next to the NFC sign on your Tap & Pay card. See here how you can still benefit from contactless payments even if your phone does not support NFC.

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My phone does not support NFC, can I still use Tap & Pay?

Unfortunately NO. Your phone needs to support NFC and it needs to be an Android phone.

If your phone does not support NFC, you will see a red exclamation mark right next to the NFC sign on your Tap & Pay card.

You can still benefit from contactless payments if your phone does not support NFC, with the iCard Wearables.

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Why I cannot use Tap & Pay with my iPhone?

iPhones have their native built in Tap & Pay service and normally do not integrate with 3rd party wallets such as the iCard digital wallet. You can still benefit from contactless payments with iCard for iPhone by using the iCard Wearables or ordering a contactless iCard Visa.

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Can I set spending limits on my Tap & Pay?

YES. You keep full control of your spending.

  1. Login to your iCard wallet
  2. Click on the Tap & Pay card
  3. Click on “Settings”
  4. Define daily, weekly and monthly limits

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Can I restrict certain type of transactions with Tap & Pay?

It’s easy and quick! It’s up to you to decide what kind of transactions can be made. Click on Tap & Pay card to open it and then click on “Settings”

With just few clicks you can allow or disallow POS purchases or cash withdrawals.

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How do I withdraw cash with my phone and Tap & Pay?

First you need to make sure that the ATM you are using is NFC enabled. There should be a visible sign anywhere on the ATM, as well as an indicated spot where to put your phone. Simply tap your phone on the contactless reader and the Tap & Pay function of your iCard digital wallet will be activated; follow the steps to withdraw cash from your iCard balance.

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How can I use Tap & Pay for POS payments?

To use Tap & Pay, make sure that your phone is an Android device and that it is NFC enabled. If it is not NFC enabled, you will see a red exclamation mark right next to the NFC sign on your Tap & Pay card.

There are 3 ways to make a contactless POS payment with Tap & Pay:

1. Double tap to pay
With this option you just tap your phone on top of the payment terminal to automatically activate Tap&Pay on your phone.

2. Use the “Tap & Pay” button
You will see it on your home screen first thing after you login to the iCard digital wallet. It will open а slider with available NFC payment methods such as all your e-GiftCards and and the “Tap & Pay” card.

3. Use the Tap & Pay shortcut
This option is only available for Android phones version 7.1 or higher. It will open а slider with available NFC payment methods such as all your e-GiftCards and the “Tap & Pay” card.

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What is the Tap & Pay shortcut?

The Tap & Pay shortcut is a cool option for fast access to Tap & Pay with your iCard wallet (available for Androids 7.0 and higher). To add a Tap & Pay shortcut on your phone screen simply hold the iCard app icon until a menu with few options pops out. Select the Tap & Pay option. Done!

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How secure is the Tap & Pay payment method?

It is protected with your passcode or fingerprint at all times.

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What is a virtual card?

A virtual card is just like any plastic Visa or Mastercard debit card but without the physical carrier. It is conveniently stored inside your iCard digital wallet. It has a 16 digits card number, a CVC code, expiration date, and your name on it. You can use it everywhere online where Visa and Mastercard are accepted. Each virtual card can be linked to a different currency account inside your digital wallet, thus deducting from its balance when making a payment. When ordering your virtual card, you can select to which currency account you would like your new virtual card to be associated.

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What are virtual cards good for?

iCard virtual cards are the perfect solution for making safe online payments without exposing your credit card details. You can use them for managing online subscriptions, shopping from online retailers and personal budgeting. Read more here about how and why to use iCard virtual cards when you pay online.

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How do I pay with a virtual card?

Tap on the virtual card you wish to use to bring it on focus. Then tap the “Pay” button to access the card’s payment details such as the 16 digits code, the CVC and expiration date. The card details are protected with your login code/fingerprint.

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Are the virtual cards free of charge?

You receive 2 free virtual cards - one Visa and one Mastercard, right after registration in iCard. Bare in mind that to be able to use them you will need to upgrade for free to the iCard Standard plan. There is a small one time fee for each additional virtual card that you would like to add to your wallet.

To check the fees:

  1. Login to your iCard wallet;
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. From the drop down select “Virtual iCard”

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Are there any service fees with virtual cards?

There are no monthly or annual maintenance fees. No transactional fees for online payments either. There is a small flat fee applied for OTC transactions*.

To check the applicable fees:

  1. Login to your iCard wallet;
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. From the drop down select “Virtual iCard”

*OCT (Original Credit Transaction) is a payment method that allows funds to be transferred from a 3rd party directly to your issued cards – virtual Visa and Mastercard, iCard Visa and e-GiftCards.

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How many iCard virtual cards can I have?

You can have up to 20 virtual cards in your iCard digital wallet. If you need more than that feel free to reach out to support@iCard.com and briefly explain how are you planning on using them. We will review your request and give you feedback within 24 hours.

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How to add more iCard virtual cards?

After your registration you have two free of charge iCard virtual cards waiting in your new digital wallet - one Visa and one Mastercard. To start using them, however, you need to pass a short video identification band upgrade for free to the iCard Standard plan.

To add any additional virtual card to your wallet:

  1. Login to your iCard wallet
  2. Tap the "PLUS" button
  3. Select “Virtual iCard” and follow the instructions

All your virtual cards are listed in the “Wallet” tab in the app, together with the rest of your cards.

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My iCard virtual card is expiring soon. How do I renew it?

Don’t worry, we will take care of everything. One month prior to the date of expiry, we will send you an email with a reminder and instructions about your virtual card’s renewal.

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Can I set spending limits on my iCard virtual cards?

YES. You have full spending control of your money.

  1. Login to your iCard wallet
  2. Tap on the virtual card you want to limit
  3. Tap on “Settings”
  4. Define daily, weekly and monthly limits

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Will I be notified for transactions?

YES! You can enable real time notifications for every transaction made with your iCard virtual cards.

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What is an e-GiftCard?

An e-GiftCard is the perfect virtual present for last minute gifts, picky friends or simply when you run out of ideas! You can fully customize its design to add a more personal touch to it. There is also an option to include a short message. The recipient can use it everywhere where Mastercard is accepted, both online and on *contactless POS terminals. Find some creative ideas how to make the best use of e-GiftCards here.

*Android, phones only, supporting NFC.

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How many e-GiftCards can I send?

With the Starter plan you can only send 1 e-GfitCard. The Standard plan gives you an option to send up to 20 e-GiftCards per month. If you need more than that, please contact us at support@iCard.com

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What’s the cost to send an e-GiftCard?

There is a small flat fee, deducted from your wallet balance, for each e-GiftCard you send. There is no additional fee for the recipient.

To check the fees:

  1. Login to your iCard wallet
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. From the drop down select “Virtual e-GiftCards”

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Are there any service fees for e-GiftCards?

There are no transactional fees for paying with an e-GiftCard. There are no monthly maintenance fees for the first six months upon the receipt of the e-GiftCard. There is a small flat fee applied for *OCT transactions.

To check the applicable fees:

  1. Login to your iCard wallet
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. From the drop down select “Virtual e-GiftCards”

*OCT (Original Credit Transaction) is a payment method that allows funds to be transferred from a 3rd party directly to your issued cards – virtual Visa and Mastercard, iCard Visa and e-GiftCards.

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How do I pay with an e-GiftCard?

You can use e-GiftCards to make both online and *contactless POS payments.

For online payments:
Tap on the e-GiftCard you wish to use to open it. Then tap the “Pay” button to access the card’s payment details such as the 16 digits code, the CVC and expiration date. The card details are protected with your login code/fingerprint.

For contactless POS payments:
e-GiftCards can be used at *contactless POS terminals around the world where Mastercard is accepted – which is pretty much everywhere! It is as simple as paying with the Tap & Pay option of the iCard digital wallet.

*Android phones supported only. Make sure your phone is NFC enabled.

There are 4 ways to initiate a contactless POS payment with an e-GiftCard:

1. Use the main “Tap & Pay” button in your iCard wallet
All e-GiftCards you have in your iCard wallet will be available in a slider when you click “Tap&Pay”. You’d be able to set any e-GiftCard you wish as a default NFC payment method from the card settings. When you do that it will appear embossed on the “Wallet” tab and will always be the first option to appear in the slider.

2. Use the “Pay” button on the e-GiftCard
Simply tap on the e-GiftCard you want to use and then tap the “Pay” button on it. Enter your 6-digits passcode or use your fingerprint to unlock the card and then tap on the “Tap & Pay” button.

3. Use the Tap&Pay shortcut
This option is only available for Android phones version 7.1 or higher. It will open the slider with available NFC payment methods such as all your e-GiftCards and your main Tap&Pay option.

4. Double tap to pay
With this option you first tap your phone on the payment terminal to automatically activate the Tap&Pay function of your digital wallet. You then choose the e-GiftCard you want from the slider.

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How do I send an e-GiftCard?

There are two ways to send an e-GiftCard.

  1. When you login iCard, from tab “Wallet” just tap the "PLUS" button, select “e-GiftCard” and follow the instructions.
  2. You can send e-GiftCards instantly from the iCard messenger as you chat with someone. Simply tap the “Gift” icon and follow the instructions.

Find some creative ideas how to make the best use of e-GiftCards here.

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I received an e-GiftCard, what should I do?

Congrats! You can start using your e-GiftCard right away!

It will appear as a card in tab “Wallet” in the app, together with all your other cards. It will also be available as a payment option when you click on the Tap & Pay button on your home screen.

You can use your e-GiftCard everywhere where Mastercard is accepted, both online and on contactless POS terminals*.

Next, return this kind gesture and give an e-GiftCard to someone else! Find some creative ideas how to make the best use of e-GiftCards here.

*Android phones supported only. Make sure your phone is NFC enabled.

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What is the iCard Wearable?

The iCard Wearable is a small NFC enabled device used to make contactless payments on every POS terminal worldwide. It is directly connected to one of the currency accounts in your iCard wallet, thus using its balance.

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Do I need to have my phone with me to be able to pay with an iCard Wearable?

NO. As the technology itself connects the iCard Wearable to your iCard digital wallet, you do not need the physical presence of the phone while making payments with the iCard Wearable. Have in mind that you can use your NFC wearable for small payments only. Check the pre-defined spending limits of your wearable when you login to your iCard wallet and go to the "Main Menu"; then select “Limits”. Furthermore, you can set your own limits or completely block the wearable when not using it or in case that you lost it.

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I have an iPhone, can I use the iCard Wearables?

YES. The iCard Wearables work with iPhones and even with phones that do not support NFC at all.

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Can I use an iCard Wearable if I don’t have the iCard digital wallet app installed on my phone?

NO. The iCard Wearable needs to be linked to your iCard digital wallet. When you make POS payments with it, the amount will be deducted from the respective account. You can fully control the settings of your iCard Wearable from your iCard digital wallet.

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Are there any additional fees associated with the iCard Wearable?

NO. There are no monthly or annual maintenance fees. No transactional fees either.

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Can I set spending limits on my iCard Wearables?

YES. You have full spending control of your money. Have in mind that you can use your NFC wearable for small payments only. Check the pre-defined spending limits of your wearable when you login to your iCard wallet and go to the "Main Menu"; then select “Limits”.

Furthermore, you can set your own limits:

  1. Login to your iCard wallet
  2. Tap on the iCard Wearable you want to limit (all your wearables will be listed as a card among al of your other cards inside the iCard wallet)
  3. Tap on “Settings”
  4. Define daily, weekly and monthly limits

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How do I pay with an iCard Wearable?

Just like you do with your contactless iCard Visa or with Tap & Pay - tap it over any POS terminal accepting Mastercard (which is most terminals nowadays) and wait for confirmation of the transaction. All purchases above €25 (or the respective amount in the currency of the transaction) are protected with a PIN code.

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Sono previsti costi di servizio per l’Accessorio iCard?

Non ci sono costi di manutenzione mensili o annuali. Neanche le spese di transazione per i pagamenti online.

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How to activate my iCard Wearable?

For security reasons we deliver your iCard Wearable to you inactive. Once you activate it, we will send your PIN.

Here is what to do to activate it once it arrives:

  1. Login and go to “Wallet” tab
  2. Tap the "PLUS" button and choose “NFC Wearable”
  3. Enter the activation code from the sticker on the back side of the wearable
  4. You will receive an SMS with your PIN number

Your iCard Wearable is now active and ready to use! It will appear as a card in tab “Wallet” in the app, together with all your cards.

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Where to find my iCard Wearable PIN code?

Once your iCard Wearable is activated and you received an SMS with your PIN, you can later locate it inside the iCard digital wallet. Simply login and locate your iCard Wearable in the list of cards. Tap on it to bring it on focus and click on the PIN button. It is protected with your login code or fingerprint.

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Can I change my iCard Wearable PIN code?

NO.

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How do I order my iCard Wearable?

You can order your iCard Wearable directly in your iCard digital wallet. COMING SOON - click here to pre-order!

  1. Login to your wallet
  2. Tap on the "PLUS" button
  3. Select “NFC Wearable” and follow the instructions

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How long does it take for my iCard Wearable to arrive?

It can take between 3 to 5 days for express delivery by courier.The delivery period depends on your destination.

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I haven’t received my iCard Wearable. What should I do?

If you haven’t received your iCard Wearable within 10 days from the order date for express deliveries with courier, please contact us at +442031291213.

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I lost my iCard Wearable or I think it may be stolen. What should I do?

Immediately freeze your wearable from the iCard app to guarantee it is locked and no one can use it.

  1. Login to your wallet
  2. Tap on the wearable you want to freeze
  3. Tap on the “Freeze” button

This way you will restrict all unauthorised payments with the wearable.

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What are digitized Loyalty Cards?

With iCard you can digitize all your loyalty and bonus cards and store them in your phone instead of ending up with a bulking wallet. Have all you cards with you and never miss a discount or loyalty points*. All you need to do is to scan the barcode or the QR code on the physical card with your phone and it will create a digital version of it inside your iCard digital wallet.

*Please bare in mind that, in very rare cases, some merchants may have their own policies not to accept digitized loyalty cards.

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How do I add my plastic/paper loyalty cards in my iCard digital wallet?

Login to your iCard digital wallet and follow the next steps to never miss out on any loyalty points and discounts:

  1. Go to “Wallet” tab
  2. Tap the "PLUS" button and choose “Loyalty Card”
  3. Scroll through the list of available merchants and select the one you want to add
  4. If you don’t see your merchant* in the list, scroll all the way down and tap on “Add”
  5. Scan the loyalty card’s barcode or QR code.
  6. Rename the card if you wish and take a picture of its front and back so that you can easily recognise it later
  7. When finished, click on the “tick” button.

Your loyalty card is now digital and ready to use! It will appear as a card in tab “Wallet” in the app, together with all your other cards.

*We will be happy to add your merchant to our list. Simply click the “Can’t find your card” button at the bottom of the list and follow the instructions. Please bare in mind that, in very rare cases, some merchants may have their own policies not to accept digitized loyalty cards.

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How do I use my digitized Loyalty Cards?

It is very fast and convenient! Login to your iCard digital wallet, locate and open the loyalty card you want to use and then on the “Barcode” button. The barcode of your card will be displayed on the screen and you will need to show it to the *cashier who will scan it just like they do with the physical ones.

*Please bare in mind that, in very rare cases, some merchants may have their own policies not to accept digitized loyalty cards.

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What is the iCard Messenger?

The iCard messenger offers you a fun and colourful way to communicate with your friends, family or colleagues. You can send instant text messages, emojis and you can also send/receive free money transfers and e-GiftCards while chatting.

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What can I do with the iCard Messenger?

There are three ways you can interact with your family and friends who are also using the iCard digital wallet:

  1. Send and receive instant text messages
  2. Send and request money directly in the chat
  3. Send and receive e-GiftCards instantly, as you are texting

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How to start a chat with the iCard Messenger?

When you login to your iCard wallet and go to the “ACTIVITY” tab. Then simply tap on the "PLUS" button and select “Start chat”. You will see a list of your friends, tap on a name to open a chat window.

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How to send/request money with the iCard Messenger?

  1. Login to your wallet, go to "ACTIVITY" tab and tap the "PLUS" button
  2. Select “Start a chat”
  3. Choose a friend from your phone book or simply enter manually his/her phone number or email
  4. When the chat window opens, select the “currency icon” and follow the instructions

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How to send an e-GiftCard with the iCard Messenger?

  1. Login to your wallet, go to "ACTIVITY" tab and tap the "PLUS" button
  2. Select “Start a chat”
  3. Choose a friend from your phone book or simply enter manually his/her phone number or email
  4. When the chat window opens, select the “gift icon” and follow the instructions

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Where do I see my chat threads?

When you login to your iCard wallet, simply go to tab "ACTIVITY" and you will see all your interactions there, as well as notifications for unread messages.

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How can I check my plan limits?

Each plan comes with certain types of transactional and funding limits. Here is how to check them:

  1. Login to your iCard digital wallet
  2. Open the "Main Menu"
  3. Click on “Limits”

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How can I increase my iCard limits?

If you are currently using the iCard Starter plan, you can easily lift your limits by upgrading for free to a Standard plan. All you need to do is to complete a short video identification chat with one of our agents.

If you are currently holding an iCard Standard plan and you want to increase your limits, send an email to support@icard.com and briefly outline why you need higher limits.

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Where can I see all fees associated with the iCard features and services?

Most of the iCard digital wallet services are free. We do have small fees for certain features, for example - bank transfers, e-GiftCards etc. To see the full list of fees follow these steps:

  1. Login to your iCard wallet
  2. Open the "Main Menu"
  3. Select “Fees” and click on “View full tariff”
  4. Use the drop down for more options

You can also check full tariffs and fees here: https://www.icard.com/en/legals/personal-pricing

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Who can send GiftCards?

Only fully verified iCard users with “Standard” accounts can purchase gift cards for other people. Sending one is very easy and intuitive within iCard digital wallet. You can select 1 of 4 different currencies for the gift card you are sending - EUR, GBP, BGN, RON.

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Who can receive GiftCards?

Anyone in the European Economic Area can receive a virtual or physical gift card. You don’t need to be a verified iCard user to activate and use it.

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How to spend the money in your GiftCards?

Both virtual and plastic gift cards can be used to pay securely online.

Virtual cards can also be used to pay with your NFC-enabled Android device on any contactless POS terminal that accepts Mastercard.

Plastic cards do appear in your digital wallet, but can’t be used for mobile payments - you can only tap the card on contactless POS terminals.

The balance in your gift card can’t be transferred to another of your accounts or to another iCard user.

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Are gift cards secure?

Yes! Mastercard and Visa gift cards both use 3D secure for online shopping. You can also freeze and unfreeze a card when not used.

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