Payment Cards Offered by E-Money Institutions

Electronic money institutions (EMIs) offer payment cards to private individuals and companies.

  • EMIs usually do not provide credit cards, i.e. a cardholder can not borrow money from the card issuer.
  • However, EMIs offer a broad variety of other payment cards: debit cards, prepaid cards, gift cards, fuel cards.
  • Debit cards are linked to the cardholder's current or checking account, the payments or withdrawals are debited directly from this account.
  • Prepaid cards allow to spend money without having it linked to a current or checking account, such cards first have be loaded and then the cardholder can perform his/her usual transactions with the card.
  • Cards can be issued virtually (virtual cards) or physically (plastic cards or physical cards).
  • Virtual cards can be used for online payments only, while physical cards can also be used for performing ATM and POS transactions.
  • Cards can be ordered online, plastic cards are delivered to the provided address.
  • Currency conversion and transfer fees are usually lower than offered by banks.

 ePayments Personal Card
prepaid; physical
Card Provider
MasterCard
Customer Type
personal
Customer Group
EEA *)
Currency
USD, EUR
single currency
separate balance
Issuer
Epayments Systems Ltd
Customer Group
ePayments cards are available to the European Economic Area (EEA) residents and passport holders.
ePayments card order is available only for verified customers.
Currency
ePayments Personal Card is a single currency card, it can be issued in USD, EUR.
Virtual Cards
ePayments virtual cards are coming soon.
Card Loading
ePayments cards can be loaded from the cardholder's ePayments e-Wallet or from his/her WebMoney account.
ePayments cards can not be loaded via special terminals or through direct transfers by using the card number (for instance, from another system).
Card Limits
Daily ATM Withdrawal Limit
5,000 EUR
Annual ATM Withdrawal Limit
unlimited
Daily POS Payment Limit
5,000 EUR
Annual POS Payment Limit
unlimited
Daily Load Limit
10,000 EUR
Annual Load Limit
unlimited
Maximum Balance
20,000 EUR
Card Fees
ATM Withdrawal Fee
2.40 EUR
POS Payment Fee
0.00 EUR
Monthly Fee
0.00 EUR
Card Security
3D Secure Payments. Online operations with ePayments cards are provided with additional security via MasterCard SecureCode (3D Secure) technology, which requires the operation to be confirmed by a one-time password received by SMS.
 ePayments Business Card
prepaid; physical
Card Provider
MasterCard
Customer Type
business
Customer Group
EEA *)
Currency
USD, EUR
single currency
separate balance
Issuer
Epayments Systems Ltd
Customer Group
ePayments cards are available to the European Economic Area (EEA) residents and passport holders.
ePayments card order is available only for verified customers.
Currency
ePayments Business Card is a single currency card, it can be issued in USD, EUR.
Virtual Cards
ePayments virtual cards are coming soon.
Card Loading
ePayments cards can be loaded from the cardholder's ePayments e-Wallet or from his/her WebMoney account.
ePayments cards can not be loaded via special terminals or through direct transfers by using the card number (for instance, from another system).
Card Limits
Daily ATM Withdrawal Limit
5,000 EUR
Annual ATM Withdrawal Limit
unlimited
Daily POS Payment Limit
5,000 EUR
Annual POS Payment Limit
unlimited
Daily Load Limit
10,000 EUR
Annual Load Limit
unlimited
Maximum Balance
20,000 EUR
Card Fees
ATM Withdrawal Fee
2.40 EUR
POS Payment Fee
0.00 EUR
Monthly Fee
0.00 EUR
Card Security
3D Secure Payments. Online operations with ePayments cards are provided with additional security via MasterCard SecureCode (3D Secure) technology, which requires the operation to be confirmed by a one-time password received by SMS.
 Paysera Debit Card
debit; physical
Card Provider
Visa
Customer Type
personal
Customer Group
all countries
Currency
EUR
single currency
separate balance
Issuer
Contis Financial Services LTD
Customer Group
Paysera debit cards can be ordered by persons from 16 years of age, who are registered and identified in the Paysera system.
Up to 5 payment cards can be issued for one person.
Currency
Paysera Debit Card is a single currency card, it can be issued in EUR.
Card Loading
When issuing a Paysera card, an additional IBAN account for card payments is opened. So, a Paysera card can be loaded the same way as a Paysera account with IBAN.
Card Limits
Daily ATM Withdrawal Limit
600 EUR
Maximum Balance
10,000 EUR
Card Fees
ATM Withdrawal (EU, in Euro)
1.00 EUR
ATM Withdrawal (EU, not in Euro)
1.00 EUR + 1.80 %
ATM Withdrawal (non EU, not in Euro)
1.50 EUR + 1.80 %
POS Payment Fee (EU, in Euro)
0.00 EUR
POS Payment Fee (EU, not in Euro)
0.10 EUR + 0.70 %
POS Payment Fee (non EU, not in Euro)
0.10 EUR + 1.20 %
Monthly Fee
0.45 EUR
Card Security
3D Secure Payments. Paysera debit card is protected with 3D Secure technology, which gives the cardholder additional free protection when purchasing online.
 Revolut Personal Card
debit; physical, virtual
Card Provider
Visa, MasterCard, Maestro
Customer Type
personal
Customer Group
all countries
Currency
as per account
multi-currency
no separate balance
Issuer
Revolut Ltd
Customer Group
Revolut cards are available to verified Revolut customers globally, except for several countries and territories.
Currency
Revolut Personal Card is a multi-currency card, the funds can be held in different currencies at the same time.
Virtual Cards
Revolut Virtual cards can be used for online purchases only, up to 5 virtual cards can be connected to Revolut account. Disposable virtual cards (suitable for one-time, online transactions) are available only to Revolut Premium customers.
Card Loading
Revolut card does not have a separate balance from Revolut e-wallet. So, topping up a Revolut e-wallet actually loads the Revolut cards connected to the e-wallet.
Card Limits
Card Fees
ATM Withdrawal Fee (up to 200 GBP)
0.00 GBP
ATM Withdrawal Fee (over 200 GBP)
2.00 %
Currency Conversion Fee (major currencies)
interbank rate
Card Load Fee
0.00 GBP
Card Security
Revolut provides a number of security settings which can be applied for each Revolut card separately:
  • location security
  • magstripe payments
  • contactless payments
  • ATM withdrawals
  • e-commerce transactions
 Revolut Business Card
debit; physical, virtual
Card Provider
Visa, MasterCard, Maestro
Customer Type
business
Customer Group
all countries
Currency
as per account
multi-currency
no separate balance
Issuer
Revolut Ltd
Customer Group
Revolut cards are available to verified Revolut customers globally, except for several countries and territories.
Currency
Revolut Business Card is a multi-currency card, the funds can be held in different currencies at the same time.
Virtual Cards
Revolut Virtual cards can be used for online purchases only, up to 5 virtual cards can be connected to Revolut account. Disposable virtual cards (suitable for one-time, online transactions) are available only to Revolut Premium customers.
Card Loading
Revolut card does not have a separate balance from Revolut e-wallet. So, topping up a Revolut e-wallet actually loads the Revolut cards connected to the e-wallet.
Card Limits
Daily ATM Withdrawal Limit
5,000 GBP
Monthly Spend Limit
100,000 GBP
Card Fees
ATM Withdrawal Fee
2.00 %
Currency Conversion Fee (major currencies)
interbank rate
Card Security
Revolut provides a number of security settings which can be applied for each Revolut card separately:
  • location security
  • magstripe payments
  • contactless payments
  • ATM withdrawals
  • e-commerce transactions
Card Provider
MasterCard
Customer Type
personal
Customer Group
CH, EEA *), UK, US
Currency
as per account
multi-currency
no separate balance
Issuer
Transferwise Ltd
Customer Group
TransferWise cards are currently available for the holders of TransferWise borderless accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.
Currency
Transferwise Debit Personal is a multi-currency card, the funds can be held in different currencies at the same time.
Card Loading
TrnaferWise card does not have a separate balance from TransferWise borderless account. So, topping up a TransferWise borderless account actually loads the TransferWise cards connected to the account.
Card Limits
Daily ATM Withdrawal Limit
1,500 GBP
Monthly ATM Withdrawal Limit
4,000 GBP
Daily POS Payment Limit
10,000 GBP
Monthly POS Payment Limit
30,000 GBP
Card Fees
ATM Withdrawal Fee (up to 200 GBP)
0.00 GBP
ATM Withdrawal Fee (over 200 GBP)
2.00 %
Currency Conversion Fee (supported currencies)
0.35% - 1.0%
Currency Conversion Fee (rare currencies)
MasterCard rate
Card Security
3D Secure Payments. For some online payments, a TransferWise cardholder can be asked to approve the payment from his/her TransferWise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for. At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).
Card Provider
MasterCard
Customer Type
business
Customer Group
CH, EEA *), UK, US
Currency
as per account
multi-currency
no separate balance
Issuer
Transferwise Ltd
Customer Group
TransferWise cards are currently available for the holders of TransferWise borderless accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.
Currency
Transferwise Debit Business is a multi-currency card, the funds can be held in different currencies at the same time.
Card Loading
TrnaferWise card does not have a separate balance from TransferWise borderless account. So, topping up a TransferWise borderless account actually loads the TransferWise cards connected to the account.
Card Limits
Daily ATM Withdrawal Limit
1,500 GBP
Monthly ATM Withdrawal Limit
4,000 GBP
Daily POS Payment Limit
10,000 GBP
Monthly POS Payment Limit
30,000 GBP
Card Fees
ATM Withdrawal Fee (up to 200 GBP)
0.00 GBP
ATM Withdrawal Fee (over 200 GBP)
2.00 %
Currency Conversion Fee (supported currencies)
0.35% - 1.0%
Currency Conversion Fee (rare currencies)
MasterCard rate
Card Security
3D Secure Payments. For some online payments, a TransferWise cardholder can be asked to approve the payment from his/her TransferWise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for. At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).
 Wirex Card
debit, prepaid; physical
Card Provider
Visa
Customer Type
personal
Customer Group
EEA *)
Currency
EUR, GBP, USD
single currency
separate balance
Issuer
Contis Financial Services Ltd
Card Type
For Wirex Cards issued in GBP and EUR an associated currency account is created, so Wirex GBP and EUR cards are debit cards, while Wirex USD cards are prepaid cards.
Customer Group
Wirex cards are available in the European Economic Area (EEA) countries.
Currency
Wirex Card is a single currency card, it can be issued in EUR, GBP, USD.
Card Loading
Wirex Visa cards can be topped up from the cardholder's Wirex Current account. This transfer is free and instant.
Card Limits
Daily ATM Withdrawal Limit
250 EUR
Daily Load Limit
unlimited
Monthly Load Limit
unlimited
Daily Spend Limit
8,000 EUR
Monthly Spend Limit
unlimited
Maximum Balance
16,000 EUR
Card Fees
ATM Withdrawal Fee (Domestic)
2.25 GBP
ATM Withdrawal Fee (International)
2.75 GBP
Monthly Fee
1.20 GBP
Card Security
3D Secure Payments. Wirex applies the 3-D Secure program to protect customers' online transactions against fraud. 3-D Secure provides an additional security layer for online debit card transactions. It prevents any unauthenticated payment, even if a cardholder's card number is stolen or cloned.
Card Provider
MasterCard
Customer Type
personal
Customer Group
EEA *)
Currency
EUR, GBP, USD, PLN
single currency
separate balance
Issuer
Satchelpay UAB
Customer Group
SatchelPay cards are available in the European Economic Area (EEA) countries.
Currency
Satchelpay Personal Card is a single currency card, it can be issued in EUR, GBP, USD, PLN.
Card Loading
SatchelPay cards can be loaded directly from the cardholder's SatchelPay account.
Card Limits
Daily ATM Withdrawal Limit
2,500 EUR
Daily POS Payment Limit
20,000 EUR
Daily Load Limit
5,000 EUR
Monthly Load Limit
20,000 EUR
Annual Load Limit
80,000 EUR
Maximum Balance
20,000 EUR
Card Fees
ATM Withdrawal Fee (Domestic)
2.5 EUR
ATM Withdrawal Fee (International)
1.1% + 2.75 EUR
POS Payment Fee (Domestic)
0.4 EUR
POS Payment Fee (International)
0.75 EUR
Monthly Fee
1.75 EUR
Card Load Fee
5.75 EUR
Card Security
3D Secure Payments. SatchelPay applies 3D Secure program for secure online payments.
Card Provider
MasterCard
Customer Type
business
Customer Group
EEA *)
Currency
EUR, GBP, USD, PLN
single currency
separate balance
Issuer
Satchelpay UAB
Customer Group
SatchelPay cards are available in the European Economic Area (EEA) countries.
Currency
Satchelpay Business Card is a single currency card, it can be issued in EUR, GBP, USD, PLN.
Card Loading
SatchelPay cards can be loaded directly from the cardholder's SatchelPay account.
Card Limits
Daily ATM Withdrawal Limit
2,500 EUR
Daily POS Payment Limit
20,000 EUR
Daily Load Limit
5,000 EUR
Monthly Load Limit
20,000 EUR
Annual Load Limit
80,000 EUR
Maximum Balance
20,000 EUR
Card Fees
ATM Withdrawal Fee (Domestic)
2.5 EUR
ATM Withdrawal Fee (International)
1.1% + 2.75 EUR
POS Payment Fee (Domestic)
0.4 EUR
POS Payment Fee (International)
0.75 EUR
Monthly Fee
1.75 EUR
Card Load Fee
0.25% (min. 5.75 EUR)
Card Security
3D Secure Payments. SatchelPay applies 3D Secure program for secure online payments.

*) EEA stands for the European Economic Area and consists of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

Other EMIs Products and Services

See Also