Pricing and top-up limits
Personal Plan
Jade Card Plan
Pricing | |
| Services | Personal |
| DESCRIPTION | EURO (€) |
| IBAN creation | NO FEE |
| KYC /KYB Process | NO FEE |
| MASTERCARD FEES | |
| Mastercard issue fee & postage (primary card) | 10.00 |
| Addittional Mastercard issue fee (per Card) | N/A |
| Number of addittional Mastercard(s) | N/A |
| LOADING/INCOMING TRANSACTIONS | |
| Load Via Debit Card Fee (IBAN) | NO FEE |
| SEPA Incoming Load (IBAN) | NO FEE |
| OUTGOING TRANSACTIONS | |
| SEPA Outgoing Payment Fee (IBAN ) | NO FEE up to €2,000. For above €2,000 transfers ,then 0.15% on full amount with Min. €2 and Max. €6 |
| International Payments – Priority (SWIFT) | 0.30% on amount with MIN€30 and MAX €30 |
| TRANSACTIONS BETWEEN eCREDO ACCOUNTS | |
| From eCREDO IBAN to eCREDO IBAN – e2e Now | NO FEE for transactions up to €50. For transactions above €50 , then €1.75 fee applies |
| MISCELLANEOUS FEES | |
| IBAN creation | NO FEE |
| Transfers within the account | NO FEE |
| Inactivity Fee | NO FEE |
| Closure of account | NO FEE |
| Electronic IBAN certificate | NO FEE |
| Upgrade plan option | Yes |
| First online PIN reveal (Dashboard) | NO FEE |
| FX Fee on card | 3.00% |
| All Subsequent Online PIN reveals (SMS only) | 1.00 |
| ADMINISTRATIVE TRANSACTIONS | |
| Replacement Card | 10.00 |
| ATM USAGE | |
| ATM Domestic cash withdrawals PER Mastercard (SEPA region) | NO FEE 5 times X €200 per calendar month. Then 2.5% charge is applied on full amount of withdrawal |
| ATM International (outside SEPA region) | 1% + €2.50 |
| ATM Balance Inquiry | 0.50 |
| Pin change at ATM | 0.50 |
| POS TRANSACTIONS | |
| POS Domestic (SEPA region) POS International (outside SEPA region) |
NO FEE 1% + €1 |
| DECLINE FEE ON SPEND | |
| Decline Fee | 0.50 |
Top-up limits | |
| LOADING LIMITS IN A NUTSHELL | |
| Yearly loading on IBAN | 72,000.00 |
| Monthly loading on IBAN | 6,000.00 |
| Yearly loading on Mastercard: | 36,000.00 |
| Monthly loading on Mastercard: | 3,000.00 |
| SPENDING LIMITS PER MASTERCARD | |
| Maximum ATM Withdrawal per day Using the Card for loading external EU bank accounts per day |
750.00 |
| Maximum ATM Withdrawal per month Using the Card for loading external EU bank accounts per month |
1,000.00 |
| Maximum ATM Withdrawal per year Using the Card for loading external EU bank accounts per year |
12,000.00 |
| ATM Maximum Number of Withdrawals per day Times using the Card for loading external EU bank accounts 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 IBAN | |
| Initial Load Maximum | 6,000.00 |
| Max individual Reload Amount | 6,000.00 |
| Max load limit per day | 6,000.00 |
| **Max number of loads per day | 10 |
| Maximum load amount per month | 6,000.00 |
| Maximum cumulative Yearly Load | 72,000.00 |
| ***Maximum Available Balance | 10,000.00 |
| Max transfers between eCREDO IBANs - e2e Now per day | 10 |
| Max load amount through e2e Now | 10,000 |
| Max transfers between your accounts (IBAN, eWallet & Mastercard) per day | 5 |
| LOADING LIMITS PER MASTERCARD | |
| Initial Load Maximum | 3,000.00 |
| Max individual Reload Amount | 3,000.00 |
| Max load limit per day | 3,000.00 |
| Max number of loads per day | 20 |
| Maximum load amount per month | 3,000.00 |
| Maximum cumulative Yearly Load | 36,000.00 |
| ****Maximum Available Balance | 10,000.00 |
| Monthly Subscription | € 0.00 |
Emerald Card Plan
Pricing | |
| Services | Personal & Family |
| DESCRIPTION | EURO (€) |
| IBAN creation | NO FEE |
| KYC /KYB Process | NO FEE |
| MASTERCARD FEES | |
| Mastercard issue fee & postage (primary card) | 5.00 |
| Addittional Mastercard issue fee (per Card) | NO FEE |
| Number of addittional Mastercard(s) | 3 |
| LOADING/INCOMING TRANSACTIONS | |
| Load Via Debit Card Fee (IBAN) | NO FEE |
| SEPA Incoming Load (IBAN) | NO FEE |
| OUTGOING TRANSACTIONS | |
| SEPA Outgoing Payment Fee (IBAN ) | NO FEE up to €3,000. For above €3,000 transfers, then 0.15% on full amount with Min. €2 and Max. €6 |
| International Payments – Priority (SWIFT) | 0.30% on amount with MIN€30 and MAX €300 |
| TRANSACTIONS BETWEEN eCREDO ACCOUNTS | |
| From eCREDO IBAN to eCREDO IBAN – e2e Now | NO FEE for transactions up to €50. For transactions above €50 , then €1.75 fee applies |
| MISCELLANEOUS FEES | |
| IBAN creation | NO FEE |
| Transfers within the account | NO FEE |
| Inactivity Fee | NO FEE |
| Closure of account | NO FEE |
| Electronic IBAN certificate | NO FEE |
| Upgrade plan option | N/A |
| First online PIN reveal (Dashboard) | NO FEE |
| FX Fee on card | 3.00% |
| All Subsequent Online PIN reveals (SMS only) | 1.00 |
| ADMINISTRATIVE TRANSACTIONS | |
| Replacement Card | 10.00 |
| ATM USAGE | |
| ATM Domestic cash withdrawals PER Mastercard (SEPA region) | NO FEE 5 times X €200 per calendar month. Then 2.5% charge is applied on full amount of withdrawal |
| ATM International (outside SEPA region) | 1% + €2.50 |
| ATM Balance Inquiry | 0.50 |
| Pin change at ATM | 0.50 |
| POS TRANSACTIONS | |
| POS Domestic (SEPA region) POS International (outside SEPA region) |
NO FEE 1% + €1 |
| DECLINE FEE ON SPEND | |
| Decline Fee | 0.50 |
Top-up limits | |
| LOADING LIMITS IN A NUTSHELL | |
| Yearly loading on IBAN | 200,000.00 |
| Monthly loading on IBAN | 50,000.00 |
| Yearly loading on Mastercard: | 72,000.0 |
| Monthly loading on Mastercard: | 6,000.00 |
| SPENDING LIMITS PER MASTERCARD | |
| Maximum ATM Withdrawal per day Using the Card for loading external EU bank accounts per day |
750.00 |
| Maximum ATM Withdrawal per month Using the Card for loading external EU bank accounts per month |
1,000.00 |
| Maximum ATM Withdrawal per year Using the Card for loading external EU bank accounts per year |
12,000.00 |
| ATM Maximum Number of Withdrawals per day Times using the Card for loading external EU bank accounts 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 IBAN | |
| Initial Load Maximum | 20,000.00 |
| Max individual Reload Amount | 20,000.00 |
| Max load limit per day | 20,000.00 |
| **Max number of loads per day | 10 |
| Maximum load amount per month | 50,000.00 |
| Maximum cumulative Yearly Load | 200,000.00 |
| ***Maximum Available Balance | 100,000.00 |
| Max transfers between eCREDO IBANs - e2e Now per day | 10 |
| Max load amount through e2e Now | 10,000 |
| Max transfers between your accounts (IBAN, eWallet & Mastercard) per day | 10 |
| LOADING LIMITS PER MASTERCARD | |
| Initial Load Maximum | 5,000.00 |
| Max individual Reload Amount | 5,000.00 |
| Max load limit per day | 5,000.00 |
| Max number of loads per day | 20 |
| Maximum load amount per month | 6,000.00 |
| Maximum cumulative Yearly Load | 72,000.00 |
| ****Maximum Available Balance | 10,000.00 |
| Monthly Subscription | € 9.95 |
Notes
- The top-up/loading limits of eCREDO’s Mastercard and eCREDO’s EUR IBAN are separate.
- eCREDO’s Mastercard need be loaded from the IBAN before usage
- * Can be negotiated based on a case to case scenario
- **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 IBAN Available Balance: this is a cumulative amount currently held in the IBAN.
- ****Maximum Mastercard 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.
- *****Contactless usage of eCREDO’s Mastercards:
- Max. contactless transaction value per transaction is €50
- Max. contactless transaction count is 15*
- Max. daily contactless transaction value 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.
Business Plan
Onyx Business
Pricing | |
| Services | BUSINESS |
| DESCRIPTION | EURO (€) |
| IBAN creation | NO FEE |
| KYC /KYB Process | NO FEE |
| MASTERCARD FEES | |
| Mastercard issue fee & postage (primary card) | NO FEE |
| Addittional Mastercard issue fee (per Card) | NO FEE |
| Number of addittional Mastercard(s) | 9 |
| LOADING/INCOMING TRANSACTIONS | |
| Load Via Debit Card Fee (IBAN) | N/A |
| SEPA Incoming Load (IBAN) | NO FEE |
| OUTGOING TRANSACTIONS | |
| SEPA Outgoing Payment Fee (IBAN ) | NO FEE |
| International Payments – Priority (SWIFT) | 0.30% on amount with MIN€30 and MAX €300 |
| TRANSACTIONS BETWEEN eCREDO ACCOUNTS | |
| From eCREDO IBAN to eCREDO IBAN – e2e Now | €0,12 fee for transactions up to €50. For transactions above €50, then €1.75 fee applies |
| MISCELLANEOUS FEES | |
| IBAN creation | NO FEE |
| Transfers within the account | NO FEE |
| Inactivity Fee | NO FEE |
| Closure of account | NO FEE |
| Electronic IBAN certificate | NO FEE |
| Upgrade plan option | YES |
| First online PIN reveal (Dashboard) | NO FEE |
| FX Fee on card | 2.00% |
| All Subsequent Online PIN reveals (SMS only) | 1.00 |
| ADMINISTRATIVE TRANSACTIONS | |
| Replacement Card | 10.00 |
| ATM USAGE | |
| ATM Domestic cash withdrawals PER Mastercard (SEPA region) | 3 X NO FEE per calendar month with threshold of €300 for each withdrawal. For more withdrawals fee of 2% apply |
| ATM International (outside SEPA region) | 1% + €2.00 |
| ATM Balance Inquiry | 0.50 |
| Pin change at ATM | 0.50 |
| POS TRANSACTIONS | |
| POS Domestic (SEPA region) POS International (outside SEPA region) |
NO FEE 1% + €1 |
| DECLINE FEE ON SPEND | |
| Decline Fee | 0.50 |
Top-up limits | |
| LOADING LIMITS IN A NUTSHELL | |
| Yearly loading on IBAN | 1,320,000.00 |
| Monthly loading on IBAN | 110,000.00 |
| Yearly loading on Mastercard: | 660,000.00 |
| Monthly loading on Mastercard: | 55,000.00 |
| SPENDING LIMITS PER MASTERCARD | |
| Maximum ATM Withdrawal per day Using the Card for loading external EU bank accounts per day |
900.00 |
| Maximum ATM Withdrawal per month Using the Card for loading external EU bank accounts per month |
2,200.00 |
| Maximum ATM Withdrawal per year Using the Card for loading external EU bank accounts per year |
26,400.00 |
| ATM Maximum Number of Withdrawals per day Times using the Card for loading external EU bank accounts 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 |
| POS maximum number of transactions per day | 20 |
| LOADING LIMITS IBAN | |
| Initial Load Maximum | 50,000.00 |
| Max individual Reload Amount | 50,000.00 |
| Max load limit per day | 50,000.00 |
| **Max number of loads per day | 20 |
| Maximum load amount per month | 110,000.00 |
| Maximum cumulative Yearly Load | 1,320,000.00 |
| ***Maximum Available Balance | 100,000.00 |
| Max transfers between eCREDO IBANs - e2e Now per day | 20 |
| Max load amount through e2e Now | 50,000 |
| Max transfers between your accounts (IBAN, eWallet & Mastercard) per day | 20 |
| LOADING LIMITS PER MASTERCARD | |
| Initial Load Maximum | 11,250.00 |
| Max individual Reload Amount | 11,250.00 |
| Max load limit per day | 11,250.00 |
| Max number of loads per day | 20 |
| Maximum load amount per month | 55,000.00 |
| Maximum cumulative Yearly Load | 660,000.00 |
| ****Maximum Available Balance | 10,000.00 |
| Monthly Subscription | € 68.95 |
RUBY Business
Pricing | |
| Services | BUSINESS VIP |
| DESCRIPTION | EURO (€) |
| IBAN creation | NO FEE |
| KYC /KYB Process | NO FEE |
| MASTERCARD FEES | |
| Mastercard issue fee & postage (primary card) | NO FEE |
| Addittional Mastercard issue fee (per Card) | NO FEE |
| Number of addittional Mastercard(s) | 9 |
| LOADING/INCOMING TRANSACTIONS | |
| Load Via Debit Card Fee (IBAN) | N/A |
| SEPA Incoming Load (IBAN) | NO FEE |
| OUTGOING TRANSACTIONS | |
| SEPA Outgoing Payment Fee (IBAN ) | NO FEE |
| International Payments – Priority (SWIFT) | *0.30% on amount with MIN€30 and MAX €300 |
| TRANSACTIONS BETWEEN eCREDO ACCOUNTS | |
| From eCREDO IBAN to eCREDO IBAN – e2e Now | €0,12 fee for transactions up to €50. For transactions above €50, then €1.75 fee applies |
| MISCELLANEOUS FEES | |
| IBAN creation | NO FEE |
| Transfers within the account | NO FEE |
| Inactivity Fee | NO FEE |
| Closure of account | NO FEE |
| Electronic IBAN certificate | NO FEE |
| Upgrade plan option | N/A |
| First online PIN reveal (Dashboard) | NO FEE |
| FX Fee on card | 2.00% |
| All Subsequent Online PIN reveals (SMS only) | 1.00 |
| ADMINISTRATIVE TRANSACTIONS | |
| Replacement Card | 10.00 |
| ATM USAGE | |
| ATM Domestic cash withdrawals PER Mastercard (SEPA region) | 3 X NO FEE per calendar month with threshold of €500 for each withdrawal. For more withdrawals fee of 1.5% apply |
| ATM International (outside SEPA region) | 1% + €1.50 |
| ATM Balance Inquiry | 0.50 |
| Pin change at ATM | 0.50 |
| POS TRANSACTIONS | |
| POS Domestic (SEPA region) POS International (outside SEPA region) |
NO FEE 1% + €1 |
| DECLINE FEE ON SPEND | |
| Decline Fee | 0.50 |
Top-up limits | |
| LOADING LIMITS IN A NUTSHELL | |
| Yearly loading on IBAN | 3,000,000.00 |
| Monthly loading on IBAN | 1,000,000.00 |
| Yearly loading on Mastercard: | 1,320,000.00 |
| Monthly loading on Mastercard: | 110,000.00 |
| SPENDING LIMITS PER MASTERCARD | |
| Maximum ATM Withdrawal per day Using the Card for loading external EU bank accounts per day |
1,100.00 |
| Maximum ATM Withdrawal per month Using the Card for loading external EU bank accounts per month |
4,400.00 |
| Maximum ATM Withdrawal per year Using the Card for loading external EU bank accounts per year |
52,800.00 |
| ATM Maximum Number of Withdrawals per day Times using the Card for loading external EU bank accounts 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 |
| POS maximum number of transactions per day | 20 |
| LOADING LIMITS IBAN | |
| Initial Load Maximum | 200,000.00 |
| Max individual Reload Amount | 200,000.00 |
| Max load limit per day | 200,000.00 |
| **Max number of loads per day | 20 |
| Maximum load amount per month | 1,000,000.00 |
| Maximum cumulative Yearly Load | 3,000,000.00 |
| ***Maximum Available Balance | 500,000.00 |
| Max transfers between eCREDO IBANs - e2e Now per day | 20 |
| Max load amount through e2e Now | 200,000 |
| Max transfers between your accounts (IBAN, eWallet & Mastercard) per day | 20 |
| LOADING LIMITS PER MASTERCARD | |
| Initial Load Maximum | 22,500.00 |
| Max individual Reload Amount | 22,500.00 |
| Max load limit per day | 22,500.00 |
| Max number of loads per day | 20 |
| Maximum load amount per month | 110,000.00 |
| Maximum cumulative Yearly Load | 1,320,000.00 |
| ****Maximum Available Balance | 25,000.00 |
| Monthly Subscription | € 99.95 |
Notes
- The top-up/loading limits of eCREDO’s Mastercard and eCREDO’s EUR IBAN are separate.
- eCREDO’s Mastercard need be loaded from the IBAN before usage
- * Can be negotiated based on a case to case scenario
- **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 IBAN Available Balance: this is a cumulative amount currently held in the IBAN.
- ****Maximum Mastercard 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.
- *****Contactless usage of eCREDO’s Mastercards:
- Max. contactless transaction value per transaction is €50
- Max. contactless transaction count is 15*
- Max. daily contactless transaction value 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.
