Verified provider profile

iCard

iCard is a European (EEA-based) fintech-infrastructure provider (BaaS, Card issuing software, IBAN sponsor). Verified at source - licence, regulator and registry reference. Active

EU core · BulgariaEEA data: YesLicence: EMIVerified at source 2026-07-19
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Who it's for

iCard is built for teams that want accounts, payments and cards behind one contract and one API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in BG.

Sovereignty profile

  • Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
  • Company origin: EU core (Bulgaria)
  • Ownership / control: no change of control on record
  • Local IBANs: BG
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What iCard does

BaaSCard issuing softwareIBAN sponsor

Capabilities & rails

  • Payment rails (documented): SCT · SCT Inst · SWIFT
  • Account model: Dedicated
  • Account currencies: EUR; GBP; CHF; PLN; CZK; RON

Verified licence profile

iCard (Bulgaria) - personal and business IBANs, cards and a wallet (Phyre); the 2nd-largest EMI in Bulgaria (37.8% share). EMI, Bulgarian National Bank.

Verified 2026-07-19. How we verify → · Official website: icard.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Bulgarian National Bank · Ref 175325806 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

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FAQ

Is iCard European / EEA-based?

Yes. iCard hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Bulgaria.

What does iCard do?

iCard covers: BaaS, Card issuing software, IBAN sponsor. Verified at source by Fintechnologica.

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