• Credit-card-Fibank_Visa_virtual
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    Virtual Credit Card in the My Fibank Mobile Application

More about the Fibank Virtual Credit Card
  • The virtual credit card issued by Fibank is a credit card applied for, issued, and managed by the My Fibank mobile application;
  • Receiving and changing the card's PIN code is done via the My Fibank mobile application;
  • The virtual credit card can be digitized in the My Fibank application, as well as in Google Pay, Apple Pay, Garmin, and Fitbit, as well as to be used at contactless POS and ATM devices – when making payment and/or withdrawals;
  • You shop in the familiar way, both online and at merchants/shops: faster, easier, and more conveniently than ever before;
  • Highest level of protection: 3D security for online payments to merchants members of the Visa Secure programs;
  • Instant notification: you receive push notifications in the My Fibank mobile application for authorizations made with the card within seconds;
  • Secure online payments without entering any data – Visa Click to Pay(*).

*For payments in a currency other than the account currency, a fee of 0.50% of the amount shall be charged, according to the Bank's Tariff List



Our Offer
  • 24/7 support – for questions related to the card.

 

Why choose a Virtual Credit Card?

  • Convenience – Ability to digitize the card on your smartwatch;
  • Speed – the virtual credit card is applied for and issued in the My Fibank mobile application: only in a few easy steps;
  • Security – card data is visible only to the cardholder – upon logging into the My Fibank system;
  • Application – options to digitize the card at: My Fibank, Google Pay, Apple Pay, Garmin, and Fitbit;
  • Quick and convenient payment anywhere in the world;
  • Fast and timely notification for each of one’s transactions with the SMS message service for bank card authorizations.
Parameters

Parameters

Card type:
Card type 
Visa Classic
Card currency when opening a new account
EUR
Interest conditions

  • Standard interest conditions:

      • 17.90% annual interest for payments
      • 18.90% annual interest for cash withdrawals
Interest-free grace period
Up to 45 days
Minimum monthly payment
3% of the utilized credit limit, min. EUR 5 (five euro)
Collateral
No collateral or guarantee
Credit limit
from EUR 500 to EUR 2,500
Validity period
5 years with the possibility of automatic renewal
Annual maintenance fee****
  • No annual fee for the first year
  • No annual fee for each subsequent year with active use of the card
  • Standard conditions: EUR 25.
Cashback
  • 0.5% upon reaching a minimum required transaction turnover within the six-month reporting period – EUR 3,000.
  • Maximum amount payable for cashback per six-month period – EUR 130.

Issuance time:

  • Within minutes, after approval by the Bank
  • Entirely remote process.
Limits for contactless payments

In accordance with the 2nd European Payment Services Directive (PSD2), after 31 March 2020, it is necessary to enter a PIN for contactless payments in the following cases:

  • when performing the sixth consecutive contactless transaction without a PIN,
  • when the total amount of consecutive contactless transactions where no PIN has been entered reaches EUR 50.
APRC (Annual Percentage Rate Charge):
  • Example for APRC: "19.74% with a credit limit of EUR 1,500, duration of 1 year. The amount is fully utilized through a POS terminal device, at an annual interest rate of 17.90%, total amount due equal to EUR 1,772.23 ".
****Annual maintenance fee
  • Promotional Interest conditions: The condition regarding the fee is promotional. Detailed information about the promotional terms and conditions can be found here.
  • Standard conditions: Detailed information about the fees and commissions due on credit cards can be found in the Fibank’s Tariff of Fees and Commissions".

 

Application

Documents