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You can download our app for Apple and Android via the following link:
We're here for you on whatever platform you prefer!
We would love to welcome anyone over the age of 18 who holds a passport and resides in a country within the European Union!
We're here to help you every step of the way.
At Íkualo, we want to make our financial services easier for you to access, no matter where you're from.
To join our community, you only need to meet a few simple criteria:
To verify your address, you can use any of the following documents:
Service bill: A recent electricity, water, or telephone bill showing your name as the cardholder and the address you wish to register.
Rental agreement: A valid rental agreement proving your residence at the specified address.
Certificate of registration: An official document that proves your place of residence within Spain
We want to inform you that at Íkualo, we've designed a 100% online process, keeping your convenience and safety in mind. This means you don't need to travel or leave your home to start enjoying our services. Everything you need to become part of the Íkualo family is at your fingertips, wherever you are.
We want your experience to be as smooth and enjoyable as possible.
Opening an account with our app is extremely simple and intuitive; it shouldn't take you more than 7 minutes to upload all your information.
Once we have all your information, we hope to approve your account as soon as possible, but in some cases it may take up to 48 business hours.
All our accounts benefit from a Belgian (BE) IBAN, allowing you to conduct transactions within a framework of security and trust.
The Íkualo account has a monthly cost of only 2.99€, and offers you a series of incredible benefits at no additional cost:
💸 Free transfers:
You no longer have to worry about additional fees! All your transfers, both incoming and outgoing, are completely free.
🎁Free virtual card:
Get your virtual card without any extra fees and enjoy the convenience of digital payments.
💳 Free physical card for a limited time!
Get your physical card now at no additional cost. Take advantage of this offer before the cost drops back to €10!
🔧 Zero maintenance cost:
Active cards have no maintenance costs, which means more savings for you.
🌍 No additional costs for worldwide payments:
Make payments with your card at no extra cost, anywhere in the world!
For now, we offer the option to open a personal account. We're working to offer joint and business accounts soon.
We've established transaction limits to ensure safe and efficient use of your account, both for deposits and withdrawals. These limits are designed to adapt to your needs and ensure an optimal experience with Íkualo.
Income
Withdrawals/transfers
With our app, you have the power to know every important detail about your account at your fingertips. Conveniently and securely, you can check your current balance, account holder, IBAN, BIC code, and associated address, all from one place.
Additionally, to make things even easier for you, we offer the option to download a PDF receipt that includes all this information. This way, you'll have all the necessary information at hand, whether for your personal records or any other paperwork you need to complete.
Íkualo accounts and cards are issued by Paynovate under a Visa license. Paynovate is authorized by the National Bank of Belgium under the Electronic Money and Electronic Money Institutions (EMI) Act (ref. 0506763929) to issue electronic money and provide related payment services.
Your money is protected by a safeguard mechanism, meaning that 100% of your funds are kept separate from Paynovate's own funds and held in a bank account. This account is clearly identified as being for our clients.
In the unlikely event of Paynovate becoming insolvent, your funds are segregated from Paynovate's funds. Therefore, Paynovate's creditors (other third parties to whom Paynovate owes money) will not be able to make any claims or affect your funds.
The BIC (Bank Identifier Code) is a code that identifies a specific entity when sending or receiving a transfer. This code consists of 8 to 11 alphanumeric characters.
Our BIC is PAYVBEB2, and you can easily find it in your account details within our app. If you need to find another entity's BIC, you can click on it to access a tool that will help you obtain the BIC using the IBAN.
You can request up to 5 virtual debit cards and 1 physical card. All our cards are VISA, which guarantees acceptance at a wide network of establishments.
It may take up to 25 business days to reach the address on the account.
Obtener tu tarjeta débito virtual en Íkualo es increíblemente fácil.
The virtual card is completely FREE. For those who prefer something tangible, issuing our physical card is FREE.
You'll be able to see the expiration date once you receive the card. You can view the rest of the information using your app.
You can see the expiration date of your virtual card on the card image in the "cards" section of our app.
To reset your PIN, follow these steps:
Remember that your card PIN must be four digits long and cannot begin with a zero (0). You should also avoid continuous sequences (such as 1234) and repeated numbers (such as 1111).
Once you've completed the process, go to an ATM, log in with your new PIN, and it should update without any issues.
This tool allows you to make payments at a wide variety of online stores, giving you the convenience of shopping from anywhere, anytime.
Thanks to the technology and security backed by VISA, every transaction you make is secure, protecting your financial and personal data at all times. We're working to offer you the option to use it with Apple Pay and GPay.
If you need to block your card, you can do so easily through our app, ensuring your peace of mind and security.
We understand how important it is for you to have flexible and modern payment options.
At this time, our cards are not compatible with Google Pay or Apple Pay. However, we are working to offer this option in the near future and will let you know as soon as it becomes available.
We've established transaction limits to ensure safe and efficient use of your debit card, both at ATMs and for deposit and withdrawal transactions.
These limits are designed to fit your needs and ensure an optimal experience with Íkualo.
Withdrawals.
Maximum withdrawal amount every 24 hours using ATMs - 300€
Maximum monthly ATM withdrawal – €3,000
Maximum annual ATM withdrawal - €30,000
Number of daily ATM transactions – 20
Number of monthly ATM transactions – 1,000
Pagos.
Maximum payment per transaction: €15,000
Maximum daily payment: €15,000
Maximum monthly payment: €23,000
Maximum annual payment: €115,000
Number of daily transactions allowed: 20
Number of monthly transactions allowed: 1000
Withdrawals, top-ups, and money transfers.
Yes. You can deposit money into your Íkualo account using any BBVA ATM that allows cash deposits. Just follow the instructions below (Link).
To ensure security and comply with current regulations, the following limits have been established for cash deposits made through BBVA ATMs:
If you have any questions about a deposit you've already made, don't hesitate to contact our support team. We're here to help.
Cash deposits made from a BBVA ATM are usually reflected in your Íkualo account in a few minutes, although in some exceptional cases it may take up to 24 business hours.
If you notice a longer delay, please feel free to contact our support team so we can help you check the status of your payment.
No. Cash deposits made at BBVA ATMs into your Íkualo account are free of charge.
We offer convenient cash withdrawal options at ATMs in the VISA network.
Using VISA ATMs in Spain costs €1.50 per transaction.
Within the SEPA* + UK zone, the fee is €1 + 1% of the withdrawal amount per transaction.
Outside the SEPA Zone* + UK there is a cost of €1.75 + 2% on the withdrawal amount per transaction.
* SEPA zone (Single European Payments Area), includes the 27 countries of the European Union (Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain and Sweden) as well as Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.
Once at the entry point, you must indicate that you are sending money. Sending method direct to bank and then you must provide your IBAN, which starts with BE.
To see the steps to follow to deposit money, click on this link: Deposit money
With Íkualo, we want managing your money to be as easy as breathing. That's why we offer you the following advantages when making transfers:
Receive from the SEPA zone*: FREE
Issue to the SEPA zone*: FREE.
* SEPA zone (Single European Payments Area), includes the 27 countries of the European Union (Austria, Belgium, Bulgaria, Cyprus, Croatia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Spain and Sweden) as well as Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.
Your Íkualo account can receive transfers from any institution within the European Union without any problems.
To make a transfer to your account from another bank, you may need to make an international transfer. If you're asked for the country, select Belgium and enter your IBAN. This way, you shouldn't have any problems completing the transaction. This procedure will not incur any additional costs for you or the person making the transfer.
The time it takes to receive a transfer from another entity may vary depending on the type of transfer.
SEPA transfers Ordinary incoming transfers take a maximum of 2 business days. Please note that if a transfer is made just before a weekend or holiday, the processing time will obviously be extended to a maximum of 3 business days.
Immediate SEPA transfers Incoming transfers to Íkualo accounts are immediate, as long as they are sent from a bank that supports immediate transfers. However, transfers may be delayed if they need to be verified due to SEPA banking regulations.
What happens if you've taken everything we've explained above into account and the transfer still hasn't arrived? In that case, Only the issuing bank can initiate an internal investigation.
Currently, with your Íkualo account, you can make immediate transfers both within Spain and within the European Union.
We are delighted to confirm that our IBAN is fully accepted throughout the Single Euro Payments Area (SEPA). This means you can easily send or receive payments in euros, set up direct debits for your recurring payments, and, of course, receive your paycheck directly into your account.
If you ever find that a company or your employer within the SEPA region is hesitant to accept your Íkualo IBAN, it's important to know that this constitutes IBAN discrimination.
This situation is not only inconvenient, but also violates Article 9 of the SEPA Regulation, which protects your right to use your IBAN throughout the region without discrimination.
We have great news for you! With our app, the world is at your fingertips.
We're working to offer you the ability to send money to 165 countries around the world in just 30 seconds. Whether your loved ones or associates have a VISA card or a bank account compatible with this type of transaction, we ensure your money arrives quickly and securely. We hope to offer this option soon.