Comment pouvons-nous vous aider?

The registration process for iCard for Business is entirely online and you will need to fill in a registration form. Here is a summary of what you will be asked to do:

1. Choose the country where your company was registered.
2. Choose the legal form of your company.
3. Fill in the registration form with the requested information about you, the company, and the directors/owners/controlling persons of the company.
4. Confirm the provided phone number and e-mail.
5. Verify your identity.

Once you have submitted your application, our team will promptly review it within 1 business day. Following our review, we will reach out to you by e-mail for any additional information or documentation needed.

Once your application for a business account is approved, your first account will be created automatically. You can later add up to 3 accounts for each of the currencies we support.

Adding multiple accounts in iCard for Business is free of charge. Keep in mind that the monthly fee remains the same, regardless of the number of additional accounts you have. 

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We offer two types of business cards issued with the Mastercard brand:

• Business debit cards for your company’s expenses
• Prepaid reloadable expense cards for your employees

The main difference between the two types is that the expense cards have separated balances from your iCard for Business account and can be loaded with a predefined amount at any time. On the other hand, debit cards are linked to your business account and have higher spending limits.

When you order a card, you can choose which type is more suitable for your business needs, as well as the currency in which you want the card to be issued. 

Business debit cards can be issued in BGN, EUR, or USD, and can be linked only to an account in the same currency, whereas the expense cards can be issued in EUR or BGN only. 

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With iCard for Business, you can send bank transfers in EUR, GBP, CHF, RON, CZK, PLN, and BGN within and outside the EEA. You can check the full list of countries to which you can send money here. 

We support the following outgoing bank transfers:

• Transfers in EUR within EEA countries - SEPA and SEPA Instant Credit Transfers. All instant transfers are processed in less than 10 seconds if the recipient’s bank supports this type of payment.
• Transfers in GBP, CHF, RON, CZK, and PLN within EEA countries – SWIFT (international) transfers which usually take 3-5 business days to be processed.
• Transfers outside EEA countries – SWIFT (international) transfers. Keep in mind that we can process a bank transfer only if the recipient’s bank is located in a country part of our list of allowed countries for sending bank transfers.
• Transfers in BGN – local transfers for Bulgarian banks only. These transfers usually take 1 business day to arrive. If the transfer has been sent before 4:00 PM (UTC +02:00) on a business day, it will be processed on the same day. Instant bank transfers (blink) are available in case the recipient’s bank supports them.

Important: Please note that we cannot process outgoing or incoming bank transfers in USD currency even if you have a USD account. You will be able to send a bank transfer from your USD account in one of the other currencies we support.

Once you receive a notification that the transfer was sent from our system, you can check the expected timeframes based on the currency of your transfer.

• Transfers in EUR – regular SEPA transfers usually take 1-2 business days to arrive. If the recipient’s bank supports SEPA Instant Credit transfers and you choose this option, the funds will be processed and sent within 10 seconds. Keep in mind that if the transfer is sent to a bank that does not support SEPA transfers (e.g. a bank from a non-EEA country), it will be processed as an international (SWIFT) transfer in 3-5 business days.
• International (SWIFT) transfers – all transfers to countries in the EEA in GBP, CHF, RON, CZK, and PLN usually take 3-5 business days to be processed. International transfers to countries outside the EEA can take more than 5 business days to arrive, as this depends on the processing time of the correspondent and intermediary banks.
• Transfers in BGN – such transfers usually take 1 business day to be processed. If the transfer has been sent before 4:00 PM (UTC +02:00) on a business day, it is usually processed on the same day. Instant bank transfers (blink) are available in case the sending bank supports them.

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Where can I find my IBAN?

You can add a new team member and directly grant their specific rights by following these steps: 

1. Log into your iCard for Business online account from here.
2. Click on the 'Profile' icon.
3. Select the 'Multi-user Access' option from the navigation displayed on the upper right.
4. Click the 'Add new user' button.
5. Enter the e-mail of the user that you want to add. Keep in mind that they will receive an invitation with additional instructions to this e-mail.
6. Fill in the required details about the new team member: name, position, country of domicile, date of birth, national ID number and mobile number. We will need to verify their identity to give access to our financial instruments.
7. Select the access to specific operations and information you want to give permission.

When you add new team members, they will receive e-mail notifications with their login credentials.

As a regulated financial institution, we need to protect all of our users and at the same time comply with strict rules and regulations. If your iCard for Business account is blocked, it usually means that we require additional information, or need to conduct important security checks.

Your account may be restricted due to one of the following reasons:

• You haven’t paid the monthly service fee for your business account;
• We need to perform additional checks related to your recent transactions;
• We have detected unusual activity;
• The ID documents of the directors/shareholders/controlling persons have expired and you need to upload a copy of the renewed documents;
• We received information that the company’s ownership or director/controlling person had been changed and we requested additional information;
• We have a reason to suspect a violation of the Legal Agreement for iCard for Business.

In such cases, you may be asked to provide more information and/or documents for some of your transactions or provide details about your recent activity.

If your iCard for Business account is blocked, we will send more information to the registered e-mail of the company’s representative. 

Keep in mind that each case takes a different time to be reviewed by our team. We strive to check all the information as soon as possible, but we cannot provide you with an exact timeframe.

If the reason why your iCard for Business account has been blocked is unclear, please contact us at support@icard.com. 

You can send a mass bank transfer via the iCard for Business online platform by following these steps:

1. Log into your iCard for Business online account from here.
2. Choose the 'Transfers' menu from the main navigation.
3. Choose the 'Mass transfers' sub-menu.
4. Download the Excel file template and fill in the required information about the recipients. Please read the detailed instructions here.
5. Upload the file to the online platform and choose from which account you want to send the payments.
6. Review the details you have entered and confirm the operation.

Related articles:

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