iCard review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
iCard suits anyone who wants a fee free Visa debit card with a small reward on everyday spending. The personal account has a monthly fee of €0 and an annual fee of €0, and it pays cashback of up to 1% on what you spend.
Key facts
- Best for
- A fee free multi currency Visa debit card that pays a little cashback.
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.7% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- iCard AD (Source, checked September 26, 2026)
- Headquarters
- Bulgaria (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Official website
- icard.com
Credit cards
- Annual fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.7% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- up to 1% (Source, checked September 26, 2026)
- Perks
- Digital wallet, Virtual cards, Money transfers, Mobile payments (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Legal entity
- iCard AD (Source, checked September 26, 2026)
- Headquarters
- Bulgaria (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInfacebook.comX
Pros and cons
Pros
- Monthly fee of €0 and annual fee of €0 on a personal account
- Cashback of up to 1% paid on a cashback basis
- Multi currency holding, virtual cards and travel features on a debit card
- Support runs on email, phone and help centre, covering phone, email and a help centre
Cons
- Spending in another currency adds a conversion charge of 0.7%
- Cashback of up to 1% is modest for a rewards card
- Acceptance follows visa only, so another network may suit some merchants better
Who it suits
- You hold several currencies and want to spend from them without switching cards
- You want cashback of up to 1% on ordinary spending
- You pay in person and online, and want the virtual card on the feature list
Who should look elsewhere
- You want no currency conversion cost, where Wise lists a monthly fee of £0
- You want a credit building card, where Chime Card lists a monthly fee of $0
- You want another card network, since iCard issues on visa
Fees and FX
The personal account has a monthly fee of €0, so there is nothing to pay for holding the account. Currency conversion costs 0.7%, below the 1% site median across the cards listed, though it is not free. On monthly fee, iCard sits at 1 among 419 brands compared.
The company behind it
iCard is run by iCard AD, which is based in Bulgaria. The Bulgarian National Bank is the regulator on record for the brand there. Support runs by email, phone and a help centre, so you can write, call or read published answers before you open. The tariff is published for personal clients, which is the account type priced here.
How iCard compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
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 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
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
What does iCard cost to keep open?+
Nothing in fees. The personal account has a monthly fee of €0 and an annual fee of €0, so the card can sit in your wallet without a charge. The only regular cost to plan for is converting currency.
What does it cost to spend in another currency?+
Currency conversion runs at 0.7%. That is below the 1% median across the cards on the site, so conversion costs less here than a typical card, though it is not free. You can hold more than one currency and spend in that currency directly to reduce conversions.
Is the money in my iCard account protected?+
iCard AD is based in Bulgaria, and the Bulgarian National Bank is the regulator on record for the brand there. The account is a debit card, so each payment comes out of your own balance rather than from a credit line. Support for account questions runs on email, phone and help centre.
Does iCard pay any rewards?+
Yes, it pays cashback of up to 1% through its cashback programme. Cashback is the reward type shared by 49.5% of the cards on the site, so the rate is the part worth comparing between cards.
Can I get a virtual card with iCard?+
Yes. The account perks list Digital wallet, Virtual cards and Money transfers, so a virtual card is included alongside a digital wallet, money transfers and mobile payments. That lets you keep a separate card number for online shops and change it when a shop is blocked.
Which network does the iCard card run on?+
iCard issues on the visa network, so the card is accepted wherever that network is taken. Visa is the most common network among the cards on this site at 58.6%, so acceptance is broad. If a particular shop or country does not take it, a card on another network is the option to check.
How do I get help from iCard?+
Support runs on email, phone and help centre, so you can write, call or read published answers. A help centre is listed too, which is the most common support channel across the cards on the site at 75.6%.
Is iCard a debit or credit card?+
It is a debit card, so spending comes straight from your own balance. That means there is no credit line to be approved for, and no interest on what you spend. Cashback of up to 1% still applies as a cashback reward on the card.
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.