FAQ
eCREDO accounts are available to everyone above the age of 18 residing in Europe. eCREDO serves individuals residing in Europe and Businesses registered within the EU or able to prove substance in the EU. A full list with the servicing countries can be found here: eCREDO servicing countries
Yes, our basic plan Jade which offers up to €72,000 in money transfers per year or up to €6,000 per month is offered for Free without any monthly subscription. The account holder needs to pay only for the issuance and delivery of the Mastercard. The rest of the plans have a monthly subscription as they offer most of the services without any further charges. Our fees and limits can be viewed here: Fees and Limits
Yes, the eCREDO platform is up and running and already serves individuals and businesses across Europe. You can register today for individuals here: Register Personal and for Businesses here: Business Registration
Our clients’ money enjoy the highest security as eCREDO prioritises the safety of the customer’s funds and that is the reason that customer funds are fully segregated and safe kept in top Tier European banks in Ireland, which have accepted and integrated the fintech ventures. This ensures that the customer’s funds cannot be used for any other purpose and can be accessed only by the account holder. eCREDO with registration number HE394761 is approved and regulated by the Central Bank of Ireland as a Distributor of PFS Card Services Ireland Limited (“PCSIL”) of IBAN, electronic Wallets and prepaid Mastercard within the European Economic Area.
If your card or its credentials get stolen, simply login to your account from any electronic device and transfer the funds back to your IBAN safely.
Use the “lock” the card option, or “report it stolen” button and a new card will be issued.
The current card becomes inactive and a new one is on its way without the need to notify or call anyone. It’s as simple as that.
In the event that money has been stolen before you manage to take action, contact us at +357 25508500 and eCREDO will initiate the procedure with our Mastercard partners to arrange a refund.
We are just an email or phone call away. Contact us at [email protected] and a service agent will get back to you as soon as possible. Alternatively, call us at +357 25508500 and ask to speak to one of our customer support representatives.
- Initiate a bank transfer (SEPA) from your current bank account to your eCREDO account using your eCREDO IBAN and BIC code. This can be found, in your IBAN details. eCREDO does not charge any fees (€0,00) for incoming transfers. Allow a few hours for the funds to clear in your eCREDO account.
- Debit card load with zero (€0,00) fees. Take any of your current debit cards and top up your account instantly and absolutely FREE. Simply click on the “top up by debit card” button on your dashboard.
- Ask any other eCREDO user to send you money instantly using ‘e2e Now’. Instant money transfers between eCREDO users with no fees for amounts up to €50 per transfer or with a flat fee of €1.75 for every transaction above €50. The maximum amount per single transaction is €10,000.
- Initiating a bank transfer (SEPA) from your current bank account to your eCREDO account using your eCREDO IBAN and BIC code. This can be found in your IBAN details. eCREDO does not charge any fees (€0,00) for incoming transfers. Allow few hours for the funds to clear in your eCREDO account.
- Ask any other eCREDO user to send you money instantly using the ‘e2e Now’. Instant money transfers between eCREDO users with no fees for amounts up to €50 per transfer or with a flat fee of €1.75 for every transaction above €50. The maximum amount per single transaction is €200,000.
All eCREDO accounts offer Free Euro cash withdrawals from any ATM machine that accepts Mastercard. Each plan offers a number of withdrawal for free and/or a euro limit for withdrawal. For more details visit our pricing and top up limits page here.
Transfers between your accounts (IBAN, e-Wallets & Mastercard) affect only your LOADING limits. SPEND limits are NOT affected.
Loading limits are affected as follows:
When transferring from the IBAN to the Mastercard, the Mastercard loading limit is affected.
When transferring from the Mastercard back to your IBAN, the IBAN loading limit is affected.
*e-Wallet loading limits are part of the IBAN loading limit.
Yes, but just two – everything else is accepted.
5542 Fuel Dispenser, Automated+ (offline)
4784 Bridge and Road Fees, Tolls (offline)
Yes, via our SWIFT service. For pricing please navigate to the dedicated page on international transfers here: Pricing and top up limits
Similar to a debit card but it is loaded to a predefined amount and can be re-loaded. Please note that you can load and re-load from your eCREDO IBAN within My eCREDO Account dashboard.
If you wish to buy a product or service you can use the card in person (POS terminals) and for online payments.
Yes, you can find the expiry date on the front of your card. If your card is about to expire, and you haven’t received a new one, please contact us [email protected]. Any balance remaining on the card will be transferred to the new one before it is dispatched to you.
Yes. You can withdraw cash using an ATM that has the Mastercard logo anywhere in the world. Fees may apply. Please refer to our Pricing and Top up limits page
eCREDO Mastercard is protected by the 3D secure protocol. As with all credit and debit cards we use, every precaution needs to be taken to keep the card safe and your PIN secure. Please refer to our Terms and Conditions.
- Max. contactless transaction value per transaction is €50
- Max. contactless transaction count is 15*
- Max. contactless transaction value per transaction is €150
*Cardholder will be able to make 15 contactless payments until the PIN is requested, or complete the €150 in one day, whichever is reached first, then PIN will be requested. Otherwise, please insert the physical card into the POS terminal.
