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.

 Satchelpay Personal Card
prepaid; physical, virtual
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 either EUR, GBP, USD or in PLN.

Card Loading

SatchelPay cards can be loaded directly from the cardholder's SatchelPay account.

Card Security

3D Secure Payments. SatchelPay applies 3D Secure program for secure online payments.

Card Fees and Limits
EUnon-EU
Card Issuance Fee24.00 EUR64.00 EUR
Card Shipping FeeRegular: 15.00 EUR
Express: 55.00 EUR
Regular: 15.00 EUR
Express: 80.00 EUR
Monthly Fee1.75 EUR1.75 EUR
Card Loading Fee5.75 EUR0.5% (min. 5.75 EUR)
ATM Withdrawals FeeDomestic: 2.50 EUR
International: 1.1% + 2.75 EUR
Domestic: 2.50 EUR
International: 1.1% + 2.75 EUR
POS Purchase FeeDomestic: 0.40 EUR
International: 0.75 EUR
Domestic: 0.40 EUR
International: 0.75 EUR
POS Single Transaction Limit20,000 EUR20,000 EUR
POS Daily Spend Limit20,000 EUR20,000 EUR
ATM Single Withdrawal Limit500 EUR500 EUR
ATM Daily Withdrawal Limit2,500 EUR2,500 EUR
Daily Load Limit5,000 EUR5,000 EUR
Monthly Load Limit20,000 EUR20,000 EUR
Yearly Load Limit80,000 EUR80,000 EUR
Maximum Card Balance20,000 EUR20,000 EUR
 Satchelpay Business Card
prepaid; physical, virtual
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 either EUR, GBP, USD or in PLN.

Card Loading

SatchelPay cards can be loaded directly from the cardholder's SatchelPay account.

Card Security

3D Secure Payments. SatchelPay applies 3D Secure program for secure online payments.

Card Fees and Limits
EUnon-EU
Card Issuance Fee64.00 EUR 114.00 EUR
Card Shipping FeeRegular: 15.00 EUR
Express: 55.00 EUR
Regular: 15.00 EUR
Express: 80.00 EUR
Monthly Fee1.75 EUR1.75 EUR
Card Loading Fee0.25% (min. 5.75 EUR)0.5% (min. 5.75 EUR)
ATM Withdrawals FeeDomestic: 2.50 EUR
International: 1.1% + 2.75 EUR
Domestic: 2.50 EUR
International: 1.1% + 2.75 EUR
POS Purchase FeeDomestic: 0.40 EUR
International: 0.75 EUR
Domestic: 0.40 EUR
International: 0.75 EUR
POS Single Transaction Limit20,000 EUR20,000 EUR
POS Daily Spend Limit20,000 EUR20,000 EUR
ATM Single Withdrawal Limit500 EUR500 EUR
ATM Daily Withdrawal Limit2,500 EUR2,500 EUR
Daily Load Limit5,000 EUR5,000 EUR
Monthly Load Limit20,000 EUR20,000 EUR
Yearly Load Limit80,000 EUR80,000 EUR
Maximum Card Balance20,000 EUR20,000 EUR
 BNext Personal Card
prepaid; physical, virtual
Card Provider
Visa
Customer Type
personal
Customer Group
ES residents
Currency
EUR
single currency
separate balance
Issuer
n/a
Customer Group

BNext cards are available to Spanish residents

Currency

BNext Personal Card is a single currency card, it can be issued in EUR only.

Card Fees and Limits
BNext StandardBNext Premium
Monthly Fee0.00 EUR8.90 EUR
Card Colorspinkthree colors
Virtual Cards1 free3 free
Cash Withdrawal (Spain)35
Cash Withdrawal (abroad)35
Commission Free Payments2,000 EUR/month3,000 EUR/month
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 Personal Card is a multi-currency card, the funds can be held in different currencies at the same time. TransferWise Personal Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

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 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 Fees and Limits
UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD
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 Business Card is a multi-currency card, the funds can be held in different currencies at the same time. TransferWise Business Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

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 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 Fees and Limits
UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD
 Personal Card
debit; physical
Card Provider
MasterCard
Customer Type
personal
Customer Group
all countries
Currency
EUR
single currency
no separate balance
Issuer
Wirecard Card Solutions Ltd
Currency

Personal Card is a single currency card, it can be issued in EUR only.

Card Fees and Limits
Non-verifiedVerified
Card Issuing Feefreefree
Card Delivery Feefreefree
Card Payment Feefreefree
ATM Withdrawal Fee2.00% (min. 2.50 EUR)2.00% (min. 2.50 EUR)
Currency Exchange FeeMasterCard rate + 1.00 %MasterCard rate + 1.00 %
Card Payments Limitn/adaily: 1,400 EUR
monthly: 7,000 EUR
ATM Withdrawal Limitn/adaily: 600 EUR
monthly: 3,000 EUR
 Wirex Card
debit, prepaid; physical
Card Provider
Visa
Customer Type
personal
Customer Group
EEA *), APAC
Currency
EUR, GBP, USD
single currency
separate balance
Issuer
Contis Financial Services Ltd
Card Type

Wirex Cards in GBP and EUR are debit cards because a Wirex account associated with this card is created, 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 either EUR, GBP or in USD.

Card Loading

Wirex Visa cards can be topped up from the cardholder's Wirex Current account. This transfer is free and instant.

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 Fees and Limits
EEAAPAC
Card Delivery FeefreeStandard: free,
Express: 5-25 SGD
Card Issuance Feefreefree
Monthly Fee1.00 GBP/1.20 EUR/1.50 USDfree
Currency Exchange Fee3.00%free
ATM Withdrawal FeeEEA: 1.75 GBP/2.25 EUR/2.50 USD
International: 2.25 GBP/2.75 EUR/3.50 USD
Domestic: free
Domestic: free
International: free
Online (ePos) Feefreefree
In Store (Pos) Feefreefree
Card Spend per Transaction10,000 USD5,000 USD
Card Spend per Day10,000 USD25,000 USD
ATM Withdrawals per Day250 USD300 SGD
Maximum Balanceunlimitedunlimited

*) 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.

Compare EMI Personal Payment Cards

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See Also