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FinXP vs iCard for Business: what each publishes

As of October 26, 2026, FinXP takes these industries by its own published rules: Crypto, with conditions; iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. We hold no such rule from iCard for Business.

FinXPMalta Financial Services AuthorityiCard for BusinessBulgarian National Bank

Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.

Where it takes companies from

FinXP

  • United Kingdom
  • EU / EEA (western & northern, plus Spain, Italy, Portugal)
  • EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
  • Switzerland / Liechtenstein

The regions its own documents name, read on October 21, 2026

iCard for Business

Its own list of countries, quoted below with its source and date

Policy by industry

FinXP and iCard for Business: published policy by industry
IndustryFinXPiCard for Business
CryptoWith conditionsNo
iGamingWith conditionsNo published rule
Forex and CFDWith conditionsNo
MarketplaceWith conditionsNo
AdultNo published ruleNo published rule
Unlicensed financial servicesNo published ruleNo
AI and SaaSNo published ruleNo published rule

Where owners must live

FinXP

No published rule

iCard for Business

No published rule

Rules about countries

FinXP

No published rule

iCard for Business

iCard for Business is currently available for companies and sole traders registered within these countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland.

iCard for Business · Takes companies registered in · · Source
All countries named (31)

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland

Fees

FinXP

FinXP: published fees
PlanAccount openingMonthlyChecked
IBAN4U accountEUR 1,500, non-refundable, unless otherwise agreed ('The present standard opening account fee € 1.500 00 unless otherwise agreed')Not published (Tariff of Charges sent once the account is opened) · Source

iCard for Business

iCard for Business: published fees
PlanAccount openingMonthlyChecked
E-money Business Payments AccountFree ('Open account Free of charge')EUR 2.99 ('Monthly service fee 2.99 EUR') · Source

Closing an account

FinXP

However, we may terminate this agreement or cancel or suspend the use of the services at any time by giving you one (1) month notice in writing or such other shorter notice period as may be allowed by law, except where the Channels or the Account have been or are likely to be misused or in the event of any other serious reason including breach or possible breach by you of these Terms and Conditions, in which case, termination, cancellation or suspension will be immediate.

Notice before closing · · Source

Account closed or frozen? What FinXP’s terms say

iCard for Business

12.5 Unless a shorter period is provided in this Agreement, as permitted by law, we may, at any time, terminate the Agreement by giving you two (2) months' notice.

Notice before closing · · Source

Account closed or frozen? What iCard for Business’s terms say

Licence

LicenseeFinXPiCard for Business
LicenseeFinXP Limited (IBAN4U) · electronic money institution licensed by the Malta Financial Services Authority under the Financial Institutions Act (company number C65783)iCard AD (formerly Intercard Finance AD) · electronic money institution licensed by the Bulgarian National Bank (BNB decision No 74 of 21 July 2011; UIC 175325806)
RegulatorMalta Financial Services Authority · Bulgarian National Bank ·