iCard review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
iCard suits travellers who want a euro account for trips abroad and a monthly charge of €0. It adds a multi-currency balance, IBAN local details and deposit cover, though the currency count is modest for anyone moving money across many markets at once.
Key facts
- Best for
- A fee-free euro travel account with deposit cover.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currencies
- 5↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €0↗
- Transfer fee
- SEPA credit transfer 1.00 EUR; SEPA Instant 2.00 EUR; SWIFT SHA 4.50 EUR; international transfer OUR 0.20%, min. 5.00 EUR↗
- Legal entity
- iCard AD↗
- Headquarters
- Bulgaria↗
- Founded
- 2007↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Travelers
- Pricing model
- No monthly fee
- Official website
- icard.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.cloud.huawei.com
Pros and cons
Pros
- Deposits sit under EU DGS up to EUR 100,000, so a balance held in the account stays covered.
- iCard AD has operated from Bulgaria since 2007, with the Bulgarian National Bank as regulator.
- Support runs on email, chat and phone, including a help centre and a phone line.
Cons
- Only 5 currencies are covered, against 47 at Skrill, so heavy converters have a short list.
- Transfers are charged: a flat euro fee on SEPA credit transfers, more on SEPA Instant, and separate pricing on SWIFT and international transfers.
- Local payment details run to iban only, so an account that needs a domestic rail in another market is a thin fit.
Who it suits
- Travellers who want a euro balance and a few extra currencies without a monthly charge.
- Holders who want the balance sitting under EU DGS up to EUR 100,000 rather than outside any scheme.
Who should look elsewhere
- Skrill, if you need a far longer currency list than 5.
- eToro, if a sterling fee base suits you better than the euro one, since its monthly fee is £0.
- PayPal Colombia, if a dollar wallet account fits your payments better, with a monthly fee of $0.
How it compares on our data
In this comparison iCard ranks 1 of 500 brands on monthly fee, sitting in the cheapest group. Currencies tell the other side of the story: 156 of 379 brands leaves it well short of the multi-currency leaders, so the fee story and the currency story point in different directions.
Deposit protection
Balances sit under EU DGS up to EUR 100,000, and that is the clearest part of the safety picture. Deposit cover means the balance is not left to the provider's own solvency, which matters for a multi-currency account opened to hold money across several trips. The scheme and its cap are the two things worth holding on to here.
How iCard compares
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.0
9.0 vs 8.9eToro's monthly fee is £0, a sterling fee base rather than the euro one here.
9.0 vs 9.1
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 9.0Skrill covers 47 currencies, a much wider list than the 5 here.
9.0 vs 8.7
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.9
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.1- 9.0 vs 8.1
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 9.1
Where iCard is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland
- Licence in Bulgaria
- Bulgarian National Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does iCard charge a monthly fee?+
The monthly fee on the standard account is €0, and a free ATM allowance of €0 sits alongside it. Costs show up on transfers instead: SEPA credit transfers carry a flat euro charge, SEPA Instant costs more, and SWIFT and international transfers are priced again.
What happens to my money if iCard fails?+
Deposits are covered by EU DGS up to EUR 100,000, so a provider failure does not put the balance at risk. The brand is iCard AD, a Bulgarian entity, and the regulator named for it is the Bulgarian National Bank, which is the part of the picture that settles the safety question.
How many currencies can I hold?+
The account supports 5 currencies, enough for a euro balance and a few common trip currencies. Skrill, by contrast, covers 47, so a converter who needs a long list of currencies is better served elsewhere.
Do I get local account details for receiving money?+
Yes, iban are provided, so euro collections and payouts work through the usual SEPA rails. That makes the account practical inside the euro area, and thinner for anyone who needs a domestic rail in another market.
Can I reach support by phone?+
Support runs on email, chat and phone, so email, chat, a phone line and a help centre are all listed as ways to get in touch. For a provider outside your own market, that spread of channels is worth having when a payment or a currency conversion needs explaining.
Who is iCard aimed at?+
iCard lists travelers as its main audience, and the account is built around euro spending and a multi-currency balance. The provider is iCard AD, based in Bulgaria and operating since 2007, regulated by the Bulgarian National Bank.
Sources
- icard.com/en/about-icard checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Licences
“Maria Valeva is one of the iCard leaders who have been with the company since its inception in 2007”
- icard.com/en/exchange-rates checked September 26, 2026
Backs: Currencies
“You can open a personal account in up to 5 currencies: EUR, GBP, CHF, USD, RON”
- icard.com/en/full-tariff-personal-clients checked September 26, 2026
Backs: Transfer fee
“Instant transfers in EUR currency to EEA countries (SEPA Instant transfers) 2.00 EUR; International transfer - 'SHA' 0.20%, Min. 5.00 EUR”
- icard.com/en/icard-standard checked September 26, 2026
Backs: Audience
“Open up to 3 accounts in each of the supported currencies and order debit cards to guarantee yourself seamless worldwide travel”
- icard.com/en/personal-pricing checked September 26, 2026
Backs: Free ATM withdrawals, Local account details, Pricing model, Monthly fee, Support channels
“ATM withdrawals: Standard - As per the applicable tariff; 5 free/month with iCard Infinite; Unlimited with iCard Metal”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee.