iCard – financial convenience like never before
We empower people and businesses
to be in complete control of their finances.
Better, faster, more secure banking
At iCard, we believe that financial freedom should be accessible to everyone. That’s why, we’ve devoted our time and resources to creating simple and secure banking solutions that provide you with the necessary tools to achieve all your personal and business financial goals.
Constantly growing and evolving
2 million
onboarded clients
4,9 million
issued cards
30+
countries
250+
employees
€ 6.3 billion
in processed acquiring transactions
€ 3 billion
in processed issuing transactions
146 million
number of processed transactions
We’ve come a long way
iCard was founded in 2007 in Bulgaria by a small team of enthusiasts with the goal to revolutionise the way people interact with their finances. Our path led us from a local Bulgarian company to one of the leaders in the European fintech space. And we’re just getting started.
Our portfolio
We developed and expanded our products and services throughout the years to ensure a wide range of solutions that meet our personal and business clients’ financial needs.
iCard for Business simplifies the way businesses manage their finances. With business accounts in different currencies and debit cards for employees, there’s always a transparent view of all expenditures. Businesses have total control of the spending limits via online banking and mobile app, and can take advantage of functionalities such as payroll, recurring and mass payments, and more.
iCard Digital Wallet is the ultimate solution for people’s day-to-day financial needs. It offers all the necessary tools to make payments, hold and withdraw money in different currencies, make instant transfers, and more. It also provides access to services that are designed to make life easier, such as buying e-Vignettes or paying bills and taxes.
iCard Direct is a platform that makes ongoing company operations easier. It offers convenience for customers, profitability for businesses, and a broad spectrum of solutions – from acquiring and payment processing to risk management and fraud prevention. iCard Direct accepts payments on physical and virtual POS terminals, protects revenue, and controls businesses’ and clients’ finances.
GiftCard is a prepaid physical or virtual debit card that fits every occasion – from birthdays to weddings and everything in between. It’s suitable for businesses, too, as an incentive or a reward for employees, partners, and clients. GiftCard gives the freedom to choose the dream gift.
iCard ATM is a cash management solution which allows businesses to install ATMs at strategic locations. By choosing between pay-to-use or free-to-use ATMs, businesses can generate a new stream of income or simply increase customer satisfaction. Ideal for hotels, shopping centres, office buildings, stores, and businesses – large and small.
Our licences & certificates
iCard is a principal member of the largest international and local card schemes and payment organisations, which include Visa, Mastercard, UnionPay, JCB, BORICA, Bancontact, iDeal, Swisscard, SWIFT, SEPA, and others. Our company is licensed by the Bulgarian National Bank as an e-money institution.
Licensed by
the Bulgarian National Bank
iCard is an institution licensed by BNB, number 4703-5081, and a principal member of the biggest international and local card schemes and payment organisations. We operate in accordance with the European E-Money Institutions Directive, and our financial solutions are recognised in over 30 countries within the European Economic Area (EEA).
Ownеrs of a
PCI-DSS certificate
The security standard PCI DSS certificate is developed by Visa, Mastercard, and other leading debit/credit card providers. It is based on their professional experience in dealing with countless security threats while securing their customer data. We renew our PCI-DSS Level 1 certificate each year – a symbol of the highest security standards.
