Jade Card Plan

Monthly loading on card: € 3,000.00
Yearly loading on card: € 36,000.00
Monthly loading on IBAN: € 6,000.00
Yearly loading on IBAN: € 72,000.00
Monthly subscription: NO FEE
CARD FEES FEE in EUR
Card issue fee (primary card) € 10,00
Card issue fee (Emerald secondary card) N/A
LOADING TRANSACTIONS FEE in EUR
Load Via Debit Card Fee (IBAN) NO FEE
SEPA Incoming Load (IBAN) NO FEE
OUTGOING TRANSACTIONS FEE in EUR
SEPA Outgoing Payment Fee (IBAN ) NO FEE up to €2000. Then 0.15% on full  amount, with min €2.00 and max €6.00
International Payments – Priority (SWIFT) 0.30% WITH MIN €30.00 AND MAX €300.00
TRANSACTIONS BETWEEN eCREDO ACCOUNTS FEE in EUR
From eCREDO IBAN to eCREDO IBAN – e2e Now NO  FEE for transactions up to €50.00. Then €1.75 fee for transactions of more than €50.01
ADMINISTRATIVE TRANSACTIONS FEE in EUR
Replacement Card €10
ATM USAGE FEE in EUR
ATM Domestic (SEPA region) NO FEE 5 X €200 per calendar month. Then 2.50% on full amount of withdrawal
ATM International (outside SEPA region) 1.00% + €2.50
ATM Balance Inquiry €0.50
Pin change at ATM €0.50
POS TRANSACTIONS FEE in EUR
POS Domestic (SEPA region) NO FEE
POS International (outside SEPA region) 1.00% + €1.00
DECLINE FEE ON SPEND FEE in EUR
Decline Fee €0.50
MISCELLANEOUS FEES FEE in EUR
FX Fee on card 3.00%
Card to Card NO FEE
IBAN creation NO FEE
FIRST ONLINE PIN REVEAL (Dashboard) NO FEE
ALL SUBSEQUENT ONLINE PIN REVEALS (SMS only) €1.00
SPENDING LIMITS PER CARD JADE (€)
Maximum ATM Withdrawal per day 750
Maximum ATM Withdrawal per month 1,000.00
Maximum ATM Withdrawal per year 12,000.00
ATM Maximum Number of Withdrawals per day 3
POS Maximum Spend per day 3,000.00
POS maximum Spend per month 3,000.00
POS maximum Spend per year 36,000.00
POS maximum Spend per single transaction 3,000.00
POS Maximum Number of Transactions per day 20
LOADING LIMITS JADE EUR IBAN (€) JADE Mastercard (€)
Initial Load Maximum 6,000.00 3,000.00
Max individual Reload Amount 6,000.00 3,000.00
Max load limit per day 6,000.00 3,000.00
Max number of loads per day 10 10
Maximum load amount per month 6,000.00 3,000.00
Maximum cumulative Yearly Load 72,000.00 36,000.00
Maximum Available Balance 10,000.00 10,000.00

Max transfers between your accounts, and between eCREDO IBANs (daily)

10

Emerald Card Plan

Monthly loading on card: € 6,000.00
Yearly loading on card: € 72,000.00
Monthly loading on IBAN: € 50,000.00
Yearly loading on IBAN: € 200,000.00
Monthly subscription: € 9.95
CARD FEES FEE in EUR
Card issue fee (primary card) € 5,00
Card issue fee (Emerald secondary card) €5.00 each card
LOADING TRANSACTIONS FEE in EUR
Load Via Debit Card Fee (IBAN) NO FEE
SEPA Incoming Load (IBAN) NO FEE
OUTGOING TRANSACTIONS FEE in EUR
SEPA Outgoing Payment Fee (IBAN) NO FEE up to €3000. Then 0.15% on full  amount, with min €2.00 and max €6.00
International Payments – Priority SWIFT 0.30% WITH MIN €30.00 AND MAX €300.00
TRANSACTIONS BETWEEN eCREDO ACCOUNTS FEE in EUR
From eCREDO IBAN to eCREDO IBAN – e2e Now NO  FEE for transactions up to €50.00. Then €1.75 fee for transactions of more than €50.01
ADMINISTRATIVE TRANSACTIONS FEE in EUR
Replacement Card €10
ATM USAGE FEE in EUR
ATM Domestic (SEPA region) NO FEE 5 X €200 per calendar month. Then 2.50% on full amount of withdrawal
ATM International (outside SEPA region) 1.00% + €2.50
ATM Balance Inquiry € 0.50
Pin change at ATM € 0.50
POS TRANSACTIONS FEE in EUR
POS domestic (SEPA region) NO FEE
POS International (outside SEPA region) 1.00% + €1.00
DECLINE FEE ON SPEND FEE in EUR
Decline Fee €0.50
MISCELLANEOUS FEES FEE in EUR
FX Fee on card 3.00%
Card to Card NO FEE
IBAN creation NO FEE
FIRST ONLINE PIN REVEAL (Dashboard) NO FEE
ALL SUBSEQUENT ONLINE PIN REVEALS (SMS only) €1.00
SPENDING LIMITS PER CARD EMERALD CARD (€)
Maximum ATM Withdrawal per day 750
Maximum ATM Withdrawal per month 1,000.00
Maximum ATM Withdrawal per year 12,000.00
ATM Maximum Number of Withdrawals per day 3
POS Maximum Spend per day 6,000.00
POS maximum Spend per month 6,000.00
POS maximum Spend per year 36,000.00
POS maximum Spend per single transaction 3,000.00
POS Maximum Number of Transactions per day 20
LOADING LIMITS EMERALD EUR IBAN(€) EMERALD Mastercard(€)
Initial Load Maximum 10,000.00 5.000.00
Max individual Reload Amount 20,000.00 5.000.00
Max load limit per day 20,000.00 5.000.00
Max number of loads per day 10 10
Maximum load amount per month 50,000.00 6,000.00
Maximum cumulative Yearly Load 200,000.00 72,000.00
Maximum Available Balance 100,000.00 10,000.00
Max transfers between your accounts, and between eCREDO IBANs (daily)

10

NOTES:

The top-up/loading limits of eCREDO’s Mastercard and eCREDO’s EUR IBAN are separate.

eCREDO’s Mastercard should be loaded from the IBAN.

*Debit card loads for Jade and Emerald is 2 per day for each card plan. You can also load your IBAN with SEPA transfer.

**Maximum Card Available Balance: this is a cumulative amount across all currency wallets and the Mastercard, so the total aggregate value, across all the currencies should not exceed the stated amount.

**Maximum IBAN Available Balance: this is a cumulative amount currently held in the IBAN.

Onyx Card Plan

Monthly loading on card: € 55,000.00
Yearly loading on card: € 660,000.00
Monthly loading on IBAN: € 110,000.00
Yearly loading on IBAN: € 1,320,000.00
Monthly subscription: € 68.95
CARD FEES FEE in EUR
Card Fee (including activation) NO FEE
Inactivity fee NO FEE
Monthly Service Charge NO FEE
LOADING TRANSACTIONS FEE in EUR
SEPA Incoming Load (IBAN) NO FEE
OUTGOING TRANSACTIONS FEE in EUR
SEPA Outgoing Payment Fee (using IBAN and BIC) NO FEE
International Payments Outgoing – Priority SWIFT 0.30% WITH MIN €30.00 AND MAX €300.00
TRANSACTIONS BETWEEN eCREDO ACCOUNTS FEE in EUR
From eCREDO IBAN to eCREDO IBAN – e2e Now NO  FEE for transactions up to €50.00. Then €1.75 fee for transactions of more than €50.01
ADMINISTRATIVE TRANSACTIONS FEE in EUR
Replacement Card €10
ATM USAGE FEE in EUR
ATM Domestic (SEPA region) 3 x NO FEE ATM withdrawals per calendar month with threshold €300 each withdrawal 2.00%
ATM International (outside SEPA region) 1.00% + €2.00
ATM Balance Inquiry €0.50
Pin change at ATM €0.50
POS TRANSACTIONS FEE in EUR
POS Domestic (SEPA region) NO FEE
POS International (outside SEPA region) 1.00% + €1.00
DECLINE FEE ON SPEND FEE in EUR
Decline Fee €0.50
MISCELLANEOUS FEES FEE in EUR
FX Fee on card 2.00%
Card to Card NO FEE
IBAN creation NO FEE
FIRST ONLINE PIN REVEAL (Dashboard) NO FEE
ALL SUBSEQUENT PIN REVEALS (SMS only) €1.00
SPENDING LIMITS ONYX (€)
Maximum ATM Withdrawal per day 900.00
Maximum ATM Withdrawal per month 2,200.00
Maximum ATM Withdrawal per year 26,400.00
ATM Maximum Number of Withdrawals per day 3
POS Maximum Spend per day 11,250.00
POS maximum Spend per month 55,000.00
POS maximum Spend per year 660,000.00
POS maximum Spend per single transaction 5,500.00
Max transfers between your accounts, and between eCREDO IBANs (daily) 20
LOADING LIMITS ONYX EUR IBAN ONYX Mastercard (€)
Initial Load Maximum 50,000.00 11,250.00
Max individual Reload Amount 50,000.00 11,250.00
Max load limit per day 50,000.00 11,250.00
Max number of loads per day 20 20
Maximum load amount per month 110,000.00 55,000.00
Maximum cumulative Yearly Load 1,320,000.00 660,000.00
Maximum Available Balance 100,000.00 10,000.00

Ruby Card Plan

Monthly loading on card: € 110,000.00
Yearly loading on card: € 1,320,000.00
Monthly loading on IBAN: € 1,000,000.00
Yearly loading on IBAN: € 3,000,000.00
Monthly subscription: € 99.95
CARD FEES FEE in EUR
Card Fee (including activation) NO FEE
Inactivity fee NO FEE
Monthly Service Charge NO FEE
LOADING TRANSACTIONS FEE in EUR
SEPA Incoming Load (IBAN) NO FEE
OUTGOING TRANSACTIONS FEE in EUR
SEPA Outgoing Payment Fee (using IBAN and BIC) NO FEE
International Payments Outgoing – Priority SWIFT 0.30% WITH MIN €30.00 AND MAX €300.00
TRANSACTIONS BETWEEN eCREDO ACCOUNTS FEE in EUR
From eCREDO IBAN to eCREDO IBAN – e2e Now NO  FEE for transactions up to €50.00. Then €1.75 fee for transactions of more than €50.01
ADMINISTRATIVE TRANSACTIONS FEE in EUR
Replacement Card €10
ATM USAGE FEE in EUR
ATM Domestic (SEPA region) 3 x NO FEE ATM withdrawals per calendar month with threshold €500 each withdrawal 1.50%
ATM International (outside SEPA region) 1.00% + €1.50
ATM Balance Inquiry €0.50
Pin change at ATM €0.50
POS TRANSACTIONS FEE in EUR
POS Domestic (SEPA region) NO FEE
POS International (outside SEPA region) 1.00% + €1.00
DECLINE FEE ON SPEND FEE in EUR
Decline Fee €0.50
MISCELLANEOUS FEES FEE in EUR
FX Fee on card 2.00%
Card to Card NO FEE
IBAN creation NO FEE
ALL SUBSEQUENT ONLINE PIN REVEALS (SMS only) €1.00
FIRST ONLINE PIN REVEAL (Dashboard) NO FEE
SPENDING LIMITS RUBY (€)
Maximum ATM  Withdrawal per day 1,100.00
Maximum ATM  Withdrawal per month 4,400.00
Maximum ATM  Withdrawal per year 52,800.00
ATM Maximum Number of  Withdrawals per day 3
POS Maximum Spend per day 22,500.00
POS maximum Spend per month 110,000.00
POS maximum Spend per year 1,320,000.00
POS maximum Spend per single transaction 11,000.00
Max transfers between your accounts, and between eCREDO IBANs (daily) 20
LOADING LIMITS RUBY EUR IBAN RUBY Mastercard (€)
Initial Load Maximum 200,000.00 22,500.00
Max individual Reload Amount 200,000.00 22,500.00
Max load limit per day 200,000.00 22,500.00
Max number of loads per day 20 20
Maximum load amount per month 1,000,000.00 110,000.00
Maximum cumulative Yearly Load 3,000,000.00 1,320,000.00
Maximum Available Balance 500,000.00 25,000.00

NOTES:

The top-up/loading limits of eCREDO’s Mastercard and eCREDO’s EUR IBAN are separate.

eCREDO’s Mastercard should be loaded from the IBAN.

*Debit card loads for Jade and Emerald is 2 per day for each card plan. You can also load your IBAN with SEPA transfer.

**Maximum Card Available Balance: this is a cumulative amount across all currency wallets and the Mastercard, so the total aggregate value, across all the currencies should not exceed the stated amount.

**Maximum IBAN Available Balance: this is a cumulative amount currently held in the IBAN.

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