iCard review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
iCard suits people who pay in several currencies and want everyday spending with no monthly bill. The debit card carries a monthly fee of €0, an annual fee of €0 and cashback of up to 1%, though the FX charge of 0.7% sits above the 1% across the cards compared.
Key facts
Credit cards
- Annual fee
- €0↗
- Rewards type
- Cashback↗
- Rewards rate
- up to 1%↗
- Perks
- Digital wallet, Virtual cards, Money transfers, Mobile payments↗
- Cashback rate
- 1%↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInfacebook.comX
Pros and cons
Pros
- No monthly charge of €0 and an annual fee of €0 on the debit card
- Cashback of up to 1%, paid as cashback
- Multi-currency and virtual card features, with digital wallet, money transfers and mobile payments in Digital wallet, Virtual cards and Money transfers
- Help runs on email, phone and help centre
Cons
- Currency conversion costs 0.7%, above the 1% across the cards compared
- Cashback of up to 1% is the ceiling, with 1% as the standard rate
- The card sits on the Visa visa network, so acceptance depends on visa merchants
Who it suits
- People who hold and spend in more than one currency and pay 0.7% on conversion only occasionally
- Anyone who wants a debit card with cashback rewards and no monthly charge
- Shoppers who want a virtual card for online spending, listed in Digital wallet, Virtual cards and Money transfers
Who should look elsewhere
- Wise, which also charges a monthly fee of £0 but keeps money in a multi-currency account rather than on a cashback card
- Varo Believe Secured Credit Card, a secured card that suits people willing to tie up a deposit rather than use their own balance
- Starling Personal Account Debit Card, which pairs a monthly fee of £0 with no cashback
Fees and FX
The monthly fee is €0 and the annual fee is €0 for the debit card. Converting currency costs 0.7%, higher than the 1% seen across the cards compared. Spending earns up to 1% in cashback, with 1% as the standard rate.
The company behind it
The card is issued by iCard AD, based in Bulgaria and regulated by the Bulgarian National Bank. Customers reach help on email, phone and help centre, which covers email, phone and the help centre.
How iCard compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 8.9
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 8.4
9.3 vs 8.5
9.3 vs 8.8
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.0- 9.3 vs 8.0
Where iCard is available
- Available
- Bulgaria
- Licence in Bulgaria
- Bulgarian National Bank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly or annual fee?+
No. The monthly fee is €0 and the annual fee is €0, so running the debit card costs nothing to maintain. The only charge in the published tariff is on currency conversion.
Is iCard a debit card?+
Yes. The card type is debit, running on the visa network, so spending comes straight from the money in the account rather than borrowing against it.
What does it cost to convert currency?+
The currency conversion fee is 0.7% on the standard card, which is more than the 1% across the cards compared. It bites hardest on multi currency, virtual card and travel use if you pay in a currency the account does not hold.
Does the card pay cashback?+
Yes. Rewards are cashback worth up to 1%, with 1% as the regular rate. That is the main reason to pick this card over a plain debit account.
Can I get a virtual card?+
Yes. Digital wallet, Virtual cards and Money transfers include virtual cards, a digital wallet, money transfers and mobile payments, and multi currency, virtual card and travel lists a virtual card alongside multi-currency and travel features.
Who runs iCard?+
The provider is iCard AD, headquartered in Bulgaria. It is regulated by the Bulgarian National Bank, which supervises the institution behind the account.
How do I get help?+
Support runs on email, phone and help centre. That means email, phone and a self-service help centre, with no branch or in-person option in the listed channels.
How does iCard compare with Wise on fees?+
Both keep the monthly charge at €0 for iCard and £0 for Wise. The difference is rewards: iCard pays cashback of up to 1% on a debit card, and conversion costs 0.7%.
Sources
- icard.com checked September 26, 2026
Backs: Cashback rate, Headquarters, Perks, Rewards rate, Rewards type
“a metal card with up to 1% cashback”
- icard.com/en/full-tariff-personal-clients checked September 26, 2026
Backs: Annual fee, Currency conversion fee
“Visa Card (Standard): Main card is free”
- icard.com/en/icard-standard checked September 26, 2026
Backs: Card type, Features
“free plastic debit card - Standard plan”
- icard.com/en/personal-pricing checked September 26, 2026
Backs: Monthly fee, Support channels
“Standard - 0.00 EUR/month”
- partner.icard.com/en checked September 26, 2026
Backs: Legal entity, Card network, Licences
“iCard AD is an EU leading E-money Institution, licensed by Bulgarian National Bank”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.