You have to log in to your Sikirapay bank account to choose Cards –  New Card or you can click this link to order a  card. Your card  will be linked to your Sikirapay bank account. Note: You can only order our card  if you have a current account with Sikirapay.

Physical Address:

This is your address in one of the European countries. To order our card, you must reside in an EU or EEA country.

Shipping Address:

This is the address where you would like your card(s) delivered. Please note that delivery is only available to addresses within EU and EEA countries.

The physical address and the Shipping address can be the same.

Unfortunately, this option isn’t available. In order to get a card, you have to open an account with Sikirapay.

You may apply for the Sikirapay VISA if you have an address in any of the countries in EU or EEA listed below.

Yes, Your Sikirapay VISA card can be used worldwide wherever accepted, except in the countries listed below.

Countries where your VISA Card can not be used

Due to various international sanctions and regulatory requirements, Sikirapay cards cannot be used in the following regions:

• Afghanistan
• Belarus
• Burkina Faso
• Crimea
• Donetsk region of Ukraine
• Iran
• Iraq
• Kherson region of Ukraine
• Luhansk region of Ukraine
• Mali
• Myanmar (Burma)
• Nigeria
• North Korea
• Pakistan
• Russia
• Somalia
• Syria
• Venezuela
• Zaporizhzhia region of Ukraine

Reasons for These Restrictions

These restrictions are in place to ensure compliance with global financial regulatory standards and to help prevent financial crimes such as money laundering and terrorism financing. Intergiro is committed to upholding high standards of financial security and integrity, aligning with international financial practices and laws.

Implications for Cardholders

Cardholders should be aware of these restrictions to avoid any inconveniences and disruptions in their financial activities. Transactions attempted in these countries will be automatically declined to comply with international regulations.

Staying Informed

Intergiro continually monitors and updates its policies in response to changes in international regulations. Cardholders are encouraged to check regularly for updates on geographic restrictions to remain informed about where they can use their Intergiro cards.

Understanding where Intergiro cards cannot be used is crucial for ensuring secure and compliant financial transactions. These restrictions protect both cardholders and the integrity of the financial system, ensuring that all activities conform to legal and ethical standards.

Once your account is approved and you have placed the card order—provided you have paid the invoice of €15 to cover the KYC cost—your card typically will be delivered within 7 to 21 business days. The card will be sent via DHL-tracked mail to your address or to your local collection point. Please note that the card issuance and postage fee of €20 will be automatically deducted from your account, so make sure you have sufficient funds available.

You can request up to 10 cards, so feel free to ask for as many as you need within that limit.
The user’s name will not be printed on each individual card.

To order a card, the cost is €20. This amount will be automatically debited from your account. It covers the issuance of the plastic card and DHL tracked delivery to your address within the EU or EEA.

When you begin your account application, you will receive an invoice for €15 to cover the costs of KYC (Know Your Customer), AML (Anti-Money Laundering), PEP (Politically Exposed Person), and ATL (Anti-Terrorism Law) checks. This fee must be paid immediately in order for us to process your application. Please note that this is a one-time fee.

You can order a maximum of 10 cards: one for yourself and up to 9 for others of your choice. Each additional card costs €20, which covers the production of the plastic card and tracked delivery via DHL to the specified address. This amount will be debited from your account when you submit your card order.

Yes, you will be charged a monthly fee of €3.50 per card for each card you order. This fee is automatically withdrawn from your bank account.

Yes, you have to pay this fee as soon as you have received an invoice from us. Your account wont be approved if you have not payed this amount.

Once you submit your application, several processes regarding your application will be initiated.

Please note that we are required to pay our service providers an advance fee of €15 for each application that has been started. Therefore, you are responsible for covering this fee.

If you decide to cancel your application after beginning the process, you can do so by sending us an email requesting the cancellation.

Please be aware that the €15 fee is non-refundable.

You started an application process but changed your mind. If you would like to cancel your application, please email us, and we will process the cancellation. A cancellation fee of €20 is required to cover our costs.

Your card(s) can be delivered to an address of your choice.

**Physical Address:**
This refers to your address in one of the European countries.

**Shipping Address:**
This is the address where you would like your card(s) to be delivered If you are not available at your physical address.

Please note that the physical address and the shipping address can be the same.

Cards can only be delivered to addresses within EU and EEA countries.

To open a bank account anywhere in the world, you must complete the account opening application. Your application must be registered in the bank’s system before processing can begin. While many banks typically charge a fee for this service, our team handles the registration at no cost to you.

However, we need to pass on the fees from our partners for essential checks, including KYC (Know Your Customer), AML (Anti-Money Laundering), PEP (Politically Exposed Persons), and ATL (Anti-Terrorism Law). Therefore, we charge a one-time fee of €15 to cover these necessary services.

Once your data is registered, a number of processes are initiated as part of your account application approval. These procedures are automatically carried out without our or your knowledge.
KYC- know your customer, AML-anti laundry, law, PEP- politically exposed persons, ATL- anti-terrorist law.
€15 covers the costs of completing these processes.

You pay 3.5€ per month or 42€ annually in card maintenance costs.

 You pay 3,5€ a monthly fee for per card. Suppose you have 3 cards. You will be charged 3 x 3,5€=15€ every month.  

Account monthly fee(All clients)

The account monthly fee of €5.5 will be debited to your account on the last day of each month.

Card monthly fee ( only clients holding cards)

A monthly fee of 3,5€ per  card will be debited your card account on the last day of each month.  

To avoid any potential fees or charges, make sure that you have enough funds in your accounts. 

The monthly fees are debited on the last day of each month.

At the moment, all cards are issued in EUR.

You’ve received your Sikirapay VISA card, and you need to activate it before you can use it. To enable all card functions, simply make your first transaction at either an ATM or a POS terminal. Please note that your first transaction should not be made using the contactless feature; it must be completed at a POS or ATM to activate the card chip.

Here are the steps to activate your card:

1. Sign the back of your card using a permanent ink pen.
2. Log into your Sikirapay account at www.sikirapay.eu and click the ‘Activate‘ button.
3. Choose your PIN.
4. Click “Activate.“

Congratulations! Your Sikirapay card is now activated, and you can start using it.

Remember, do not write down your PIN or share it with anyone.

Your VISA debit card is linked to your account (IBAN), so there’s no need to top up the card. Just ensure that you have sufficient funds in the account.

Changing Your PIN: You can change your PIN via the Customer Portal under the “Cards” section. You can also easily update your PIN using our mobile app. Simply navigate to the designated section for card management, and you’ll find the option to make the change.
Please note that changing your PIN directly at ATMs is not an available feature at this time.

Yes, all Sikirapay cards support contactless payments.

The limit is set by the merchant’s bank, guided by World Payment Systems. Nevertheless, all the limits for transactions being set up on the card in accordance to the tariff plan assigned remain the same.

3D Secure is a feature that creates an additional security layer for e-commerce card transactions.

All Sikirapay cards are equipped with 3D Secure.

You can withdraw cash from your Sikirapay card at any ATM that supports VISA. Please be aware that withdrawal limits apply.

Single ATM withdrawal = 550€

Daily = 550€

Weekly = 1600€

Monthly = 4600€

Yes, you can pay online with your Sikirapay card. Please be sure that the balance of the card is higher than the amount of the transaction you wish to perform.

If you have lost your card  you should immediately log into your account to click FREEZE CARD

When you locate your card, log into your account and click “Unfreeze.” This will reactivate your card.

If you cannot find your card, log into your account and click “BLOCK CARD.” Choose the appropriate option. Please note that blocking a card is a permanent action for security reasons. If you wish to temporarily stop your card from being used, select “Cancel” and use the “Freeze Card” option instead. Blocked cards cannot be restored. If you need to block your card for another reason, please contact Support.

If you card has been stolen  you should immediately log into your account to click on BLOCK CARD. Choose the appropriate option. Please note that blocking a card is a permanent action for security reasons.

One month before your card expires, you will receive a card replacement notification. In the same notification you will be asked to indicate your address for card delivery. Note: Please note that once you receive your new card, you must activate it through the Sikirapay web Client office or via the mobile app.

Yes. To do so log into your account, select the card and click on FREEZE if you want to block the card for some time.
Click “BLOCK CARD” if you have lost or can not find your card. Select the reason you want to block your card.

Please note that blocking a card is a permanent action for security reasons. If you wish to temporarily stop your card from being used, select “Cancel” and use the “Freeze Card” option instead. Blocked cards cannot be restored. If you need to block your card for another reason, please contact Support.

If Blocked: Remember, once a card is blocked, it cannot be unblocked. A new card must be issued

For Account holder/individual who ordered a card:

You have to activate the additional card before the card can be used by the person you want to have the card.

To activate the extra(secondary) card, log in to your account at www.sikirapay.eu.

You will see the cards you have ordered. Click the card account you want to activate.

When you have activated the extra card, you should inform the extra card user so the extra card user can register their own account.(sub-account). In doing so, the additional card user can see the card balance, transactions etc.

To apply for our card, you need to be 18 years of age.
We are working to lower that limit, but for the time being, you must be 18 years old.

It seems your father has an account with us. He can request an additional card, and once he receives it, he may decide to give it to you if he feels it is appropriate. Please note that users’ names are not printed on the cards. Each account holder is fully responsible for any consequences that may arise from sharing their card with others.

Yes, you can. If you have multiple cards issued for your son, daughter, cousin, etc., you are able to set individual spending limits for each card

No, the user’s name will not be embossed on the additional card. For example, if you request extra cards for your son and daughter, their names will not be displayed on those cards.

No, your card can be delivered to the address within EU and EEA countries. 

Currently, the card is linked exclusively to the EUR account. We are actively developing a multi-currency card solution that will be available in the future, but it is not yet implemented. Thank you for your patience as we work on this enhancement.

Your VISA card(s) are linked to your Euro wallet, and all transactions are processed in Euros. This setup is designed to facilitate smooth transactions within the Eurozone.

Handling Currency Conversions

• Automatic Conversions:
  When you make a purchase in a currency other than Euros, an automatic currency conversion occurs.

• Conversion Entities:
  These conversions are handled by VISA or other third-party services, meaning the exchange rate is determined by them, not by Intergiro.

• Liability:
  Due to fluctuations in exchange rates, Intergiro is not liable for any losses that may arise from currency conversions. While the rates applied are generally competitive, they can vary depending on market conditions.

Important Considerations

• Fixed Amount Transactions:
  Exercise caution with transactions where the amount is not fixed or known in advance (e.g., hotel deposits). These transactions may result in discrepancies in the final amount charged due to currency fluctuations. Intergiro does not issue refunds for transactions where the final amount was not specified at the time of authorization.

Future Enhancements: Multi-Currency Cards

• Upcoming Features:
  Intergiro plans to introduce multi-currency cards that will enable you to hold and spend multiple currencies directly from your card, eliminating the need for conversions for currencies you already possess.

• Notification:
  We will notify all customers once this feature becomes available, enhancing your ability to manage global transactions more efficiently.

Currently, your Intergiro card supports transactions in Euros, with automatic conversions for other currencies. The forthcoming introduction of multi-currency cards will provide greater flexibility and efficiency in managing international expenses.

Future Enhancements: Multi-Currency Cards

• Upcoming Features:
  Intergiro plans to introduce multi-currency cards that will enable you to hold and spend multiple currencies directly from your card, eliminating the need for conversions for currencies you already possess.

• Notification:
  We will notify all customers once this feature becomes available, enhancing your ability to manage global transactions more efficiently.

Countries where your VISA Cards can not be used

Due to various international sanctions and regulatory requirements, Intergiro cards cannot be used in the following regions:

• Afghanistan
• Belarus
• Burkina Faso
• Crimea
• Donetsk region of Ukraine
• Iran
• Iraq
• Kherson region of Ukraine
• Luhansk region of Ukraine
• Mali
• Myanmar (Burma)
• Nigeria
• North Korea
• Pakistan
• Russia
• Somalia
• Syria
• Venezuela
• Zaporizhzhia region of Ukraine

Reasons for These Restrictions

These restrictions are in place to ensure compliance with global financial regulatory standards and to help prevent financial crimes such as money laundering and terrorism financing. Intergiro is committed to upholding high standards of financial security and integrity, aligning with international financial practices and laws.

Implications for Cardholders

Cardholders should be aware of these restrictions to avoid any inconveniences and disruptions in their financial activities. Transactions attempted in these countries will be automatically declined to comply with international regulations.

Staying Informed

Intergiro continually monitors and updates its policies in response to changes in international regulations. Cardholders are encouraged to check regularly for updates on geographic restrictions to remain informed about where they can use their Intergiro cards.

Understanding where Intergiro cards cannot be used is crucial for ensuring secure and compliant financial transactions. These restrictions protect both cardholders and the integrity of the financial system, ensuring that all activities conform to legal and ethical standards.

Viewing Your Card Limits and Spending

You can conveniently check your current card limits and monitor your spending by following these steps:

1. Access the Customer Portal: Log in to your Sikirapay Customer Portal.
2. Navigate to Your Card: Select the card you wish to check.
3. Go to the ‘Limits’ Tab. Here you will find detailed information about the limits set for your card.
4. 

Importance of Documentation

Ensuring the transparency and security of our customer interactions is a top priority. Required documents such as identification and proof of address play a crucial role in confirming our clients’ identities and maintaining the integrity of our financial services.

Reasons for Document Requirements

1. Identity Verification: Proper identification helps verify that customers are who they claim to be, reducing the risk of fraud.
2. Regulatory Compliance: As a financial institution, Intergiro is obligated to adhere to strict regulatory standards. These include Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, which mandate the collection and verification of customer information.
3. Operational Security: By verifying the identities and addresses of our customers, we ensure that our operations remain secure and that we only transact with legitimate entities.
4. Risk Management: These documents help in assessing and managing risks associated with financial transactions, protecting both the customers and the institution from potential financial crimes.

Document Types Required

• Identification Documents: Typically, this includes a passport or national ID card that is government-issued and contains a photo to confirm the identity of the account holder.
• Proof of Address: Documents such as recent utility bills or bank statements that verify the customer’s current residential address.

Conclusion

The collection of these documents is not only a regulatory requirement but also a critical security measure. It ensures that all financial transactions are transparent and secure, protecting the interests of the customers and the institution.

Importance of Documentation

Ensuring the transparency and security of our customer interactions is a top priority. Required documents such as identification and proof of address play a crucial role in confirming our clients’ identities and maintaining the integrity of our financial services.

Reasons for Document Requirements

1. Identity Verification: Proper identification helps verify that customers are who they claim to be, reducing the risk of fraud.
2. Regulatory Compliance: As a financial institution, Intergiro is obligated to adhere to strict regulatory standards. These include Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, which mandate the collection and verification of customer information.
3. Operational Security: By verifying the identities and addresses of our customers, we ensure that our operations remain secure and that we only transact with legitimate entities.
4. Risk Management: These documents help in assessing and managing risks associated with financial transactions, protecting both the customers and the institution from potential financial crimes.

Document Types Required

• Identification Documents: Typically, this includes a passport or national ID card that is government-issued and contains a photo to confirm the identity of the account holder.
• Proof of Address: Documents such as recent utility bills or bank statements that verify the customer’s current residential address.

Conclusion

The collection of these documents is not only a regulatory requirement but also a critical security measure. It ensures that all financial transactions are transparent and secure, protecting the interests of the customers and the institution.

Explore the benefits and uses of virtual cards for online payments.

Virtual cards function similarly to physical credit cards but are designed exclusively for online and over-the-phone transactions. They provide a secure way to manage business expenses without needing a tangible card.

Key Features of Virtual Cards

• Unique Card Details: Each virtual card is assigned a unique card number, expiry date, and CVC, ensuring that each transaction is secure.
• Digital Access: Virtual cards are stored digitally within your SikiraPay app and Customer Portal, making them accessible anytime and anywhere you have internet access.

Differences Between Virtual and Physical Cards

• Usage Locations:
  • Virtual Cards: Primarily used for online purchases and phone transactions. They offer a secure way to pay without exposing your actual bank details.
  • Physical Cards: Can be used both online and in-person at retail locations. They are physical cards that you can carry in your wallet.

Benefits of Using Virtual Cards

• Enhanced Security: Virtual cards can be quickly frozen or deleted via the SikiraPay app, reducing the risk of fraud. Each card can also be set with specific spending limits and restrictions.
• Convenience: Instant issuance means virtual cards can be created and ready for use immediately after approval, unlike physical cards, which require printing and mailing.
• Cost-Effective: Since there is no physical production, virtual cards are a cost-effective solution for managing company expenses.

How to Use Virtual Cards

• Setup: Log into your SikiraPay account, navigate to the card management tab, and create a new virtual card.
• Online Payments: Use the card details provided to make secure online purchases or pay for services over the phone.

If you can not find your card you can click on the link below to freeze your card. 
https:/ /www.intergiro.com/freeze-my-cards 

or you can do it in your app.

As we partnered with Intergiro Intl. AB(publ), we would like to inform you that Intergiro uses the VISA exchange rate without any additional fees. By regulation, Intergiro must also display the European Central Bank (ECB) exchange rate and any mark-ups to help you compare rates across card providers. Please refer to Intergiro’s currency calculator to check the exchange rate and any mark- mark up over the ECB rate for EEA currency transactions.

https://www.intergiro.com/currency-conversion-calculator.

Please note that actual currency conversion charges may vary from the calculator’s estimate due to rate changes between updates.