FAQs

1. Can I open an Intergiro business account?

If you are based in the EEA and you run a business, you may be eligible to open an Intergiro business account. There are some restrictions on the sorts of businesses we work with - we review each application carefully and make a decision based on your individual circumstances. If you have any questions about the requirements to open an Intergiro business account, you can visit our blog or contact one of our Support team via the Chat box in the bottom right corner of the screen.

2. How can I open an account?

You can open an account here. We will ask you for some personal information and details about your business. You'll need to have the following documents to hand: Passport/IDs of account users, owners and director; Utility bills of account users, owners and director.

You can read more about the information we require and what you will need in our blog.

3. How long does it take to set up an Intergiro business account?

We aim to have the fastest corporate onboarding in the world. Depending on your business activity and if you have all the relevant documentation ready, the whole process could take minutes. Give it a try.

4. What information / documents do you need to open an Intergiro business account?

To open an Intergiro business account online, you'll need some information about yourself and your business. You can read more about the information we require and what you will need in our blog.

5. Can I open a personal account or do you offer only business accounts?

At the moment we only offer business accounts.

6. Can a Non EEA registered company open an Intergiro Business Account?

We are focussed on Europe (EEA and EU) right now. Unfortunately, we cannot offer you an account if you are incorporated outside the EEA and EU.

7. Why isn't my account activated?

Please contact Support via Chat to get the most up-to-date information regarding your account activation.

8. I cannot complete part of my application. Can you help?

Please contact Support via Chat so we can help with your specific issue.

9. If I have more than one company, am I able to open a Business account for each different company?

Yes, providing your other businesses meet our acceptance criteria there is no limit on how many business accounts you can have with us. However at registration you will need to sign up with different company emails for a secure login. For security reasons the same email cannot be used twice.

10. What are Intergiro Cards?

Intergiro Cards help your company manage expenses in an easy way. You can order both virtual and physical Mastercard cards to your company employees. You can access and manage cards via the customer portal and the mobile app.

We will send physical cards to the address you provide for card delivery.

You can set a specific source of funds for each card, or you can connect multiple cards under a single account. As an Admin, you are in control of funds available for card spending, and of how and for what purposes cards can be used.

Card transactions can be monitored through our customer portal and mobile apps. As an Admin you have access to your full company card transaction data, whereas individual cardholders may have access to only their personal card information.

We currently offer virtual cards only. Physical cards coming soon!
11. How can I get an Intergiro Card?

As your company Admin, you can order cards for yourself and for your employees. All cardholders must be fully KYC verified before ordering a card.

If you are not an Admin on your Intergiro account, please reach out to your Admin to request them to order a card for you.

Our card program is currently under Beta Testing, and we’re releasing cards to selected businesses. Public launch coming soon!
12. How do I activate my card?

Virtual cards are automatically active - you can start spending with virtual cards right away.

Physical cards can only be activated once it has been delivered by your local postal service. You can activate your physical card by logging into your account on the customer portal, mobile app or API.

13. Will I get a card with an Intergiro account?

Yes, with an Intergiro account you will be able to apply for a prepaid Mastercard that can be used online or in stores wherever Mastercard are accepted. This feature will be launched with selected customers in early 2020.

14. Who are you?

We are Intergiro, a Swedish fintech company licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Finansinspektionen). Our full company name is Intergiro Intl AB (publ) and our registered address is Regeringsgatan 59, 9 tr 111 56 Stockholm, Sweden. Our company registration number is 556965-3537, our VAT number is SE556965353701 and our registered license number with the Swedish Financial Supervisory Authority is 48003.

15. What is an Intergiro business account?

An Intergiro Business account allows you to handle the financial management of your business through one intelligent platform while offering features such as making and receiving payments, balance checking, and reviewing historic transactions.

16. Can I open more than one account?

You can only open one Intergiro account per company, however you may open multiple wallets under your account.

17. Can I reopen my account?

If we have previously closed an Intergiro account that you held, you may not be allowed to open a new Intergiro account. Please contact Support via Chat to discuss your specific needs.

18. How can I communicate with Intergiro?

You can contact us through our online messaging system accessible via our website, via the customer portal or via our mobile app.

19. Where can I get help if I have problems or questions?

Please use the Chat icon on the bottom right corner of this page to contact Customer Support.

20. What are the minimum technical requirements I need to use Intergiro?

You can use Intergiro on any modern computer system with a stable internet connection. You'll also need a mobile phone for two-factor authentication.

21. Can I contact your Support team by phone?

Unfortunately you can not contact us by phone - for your security, we only support customers through the Chat function. For specific queries about your account, we will only deal with requests from customers who are logged in.

22. What is an e-money institution?

An electronic money (e-money) institution is a company which can issue, store and redeem electronic money. Electronic money is money in digital form. At Intergiro, we use electronic money in our systems to reflect 100% the non-electronic money that you have received to your Intergiro business account. This means when you transact via your Intergiro business account or card connected to your account you transact with non-electronic money and the electronic money held for internal purposes simultaneously becomes redeemed. Since we are an electronic money institution and not a bank, we do not lend your money to others. Under the terms of our e-money licence we are not permitted to pay interest to you and the money in your account is not covered by deposit guarantee schemes.

23. What is Open Banking?

Open Banking is a financial services term relating to the use of open APIs which enable third-party developers to build applications and services around the financial institution. This allows you to access your account information and initiate payments through registered third party providers. You can read more here.

24. What are Open APIs?

Open APIs are publically available interfaces that provide developers with access to proprietary software or service. Intergiro’s banking system is run using APIs - as an Intergiro customer, you are allowed to provide access to third parties to these APIs, in order to view your account data and control your account, should you wish to do so. We will only provide access with your explicit permission and to registered third party providers. You can read more here.

25. Will I get a unique IBAN?

Yes, you will get your very own business bank account IBAN as well as the ability to send and receive payments, see the list of your transactions and so much more. Everything you need to manage banking for your business. The IBAN is unique and assigned to your company. With us you can also get multiple IBANs under the same company account.

26. Why should I choose you?

We are more than a bank. With us you will get all the good stuff: a secure bank account service and an intelligent layer added on top. Designed for companies with a need for speed - and convenience - we aim to have the fastest onboarding in the world and we do our best to set up your account within hours. We also have fair pricing with no hidden fees.

27. How much does Intergiro cost?

You can find our Pricing here or, in the case of bespoke prices, in the Welcome Letter you received when you became a customer.

28. Do you offer any debt or credit services?

Intergiro does not offer any debt or credit services.

29. Can I give access to a new account user?

Yes! You can add additional users and assign roles to them within your Intergiro Business Account. The account administrator can add Corporate users in the portal. All new account users need to verify their identity and proof of address before they can access the account.

30. When will you release new features?

We are constantly releasing new functionality and features. These are prioritised based on customer feedback and we welcome suggestions and ideas for new features.

31. Is my money safe with Intergiro?

We take the safety and security of your money seriously. We are required by Swedish law to protect clients money by safeguarding it in another financial institution. That means that, in the unlikely event that we become insolvent, client money will be unaffected and will be refunded to clients in full.

32. How do you keep my account and my card safe?

We use fraud detection technologies, data encryption and strong authentication solutions in our efforts to do all we reasonably can to prevent unauthorised or fraudulent use of your account, card and related services.

33. I'm having trouble logging in. Can you help?

Please make sure that your mobile 2FA number is entered correctly. When signing in you will receive a 6 digit code to your mobile phone. Make sure that you have not entered a landline phone number and that the country code is included (+). Please make sure that you are using the correct username/email, our Customer Support team can check which email you have registered. Please reset your password if you have forgotten your password and check your emails for spam filters which might prevent you from receiving vital information from us. You will not be able to log in until your identification has been verified. We will inform you once we've completed this.

34. Can I change the mobile number or email address associated to my account?

Yes, you can. For security reasons, you will need to contact Support via Chat while logged in to initiate the change.

35. How long does it take to make a payment?

All payments are processed instantly by Intergiro, however when the payment arrives will depend on the type of payment, destination, currency and recipient bank. You can find out more about payment processing times in our Terms and Conditions under 'section 11: How long does it take to make a payment?' If you have a question about a specific payment, please contact Support via Chat while logged in to your account.

36. How do I pay the fees and charges?

If you owe us any fees (including transaction fees, foreign exchange fees and monthly account fees) or any other charges, we'll deduct the amount you owe us from your account. You can keep track of such deductions on the customer portal and in the mobile app when you are logged in.

37. Is there any way of downloading my statement data?

Yes, statements can be downloaded in CSV or PDF format via the customer portal.

38. Can I pay or make payments to countries outside the EEA?

Depending on your account, you can make payments to a number of different countries using Intergiro. Please contact Support via Chat with specific questions about international payments.

39. Do you have any restricted countries?

As a regulated e-money institution, Intergiro has certain responsibilities and requirements, including reflecting prohibited countries/regions. Currently, these are: Cuba, Iran, North Korea, South Sudan, Sudan, Syria and Crimea and Sevastopol in Russia.

40. What do SEPA and SWIFT mean?

SEPA stands for Single Euro Payments Area and it's a payment type used to transfer euro currency within the EEA. SWIFT is another international payment type used for cross-border payments. Depending on your account type, you can make both SEPA and SWIFT payments with Intergiro. For more information on payments, you can visit our blog.

41. Can I make international payments using my Intergiro business account?

Yes, you can make international payments using your Intergiro business account. The payment types you can make may vary depending on the type of account you hold. Please contact Support via Chat directly with any specific questions about making international payments.

42. What charges are applicable to incoming SWIFT transactions?

There are three different types of SWIFT transfers: 1) OUR: this means the issuer pays all expenses, including both theirs and those of the payee’s bank, on top of fees from any third parties intervening in the transaction; 2) BEN: this means that all those expenses are paid by the recipient of the transfer; and 3) SHA: where each party pays their own expenses, sharing the total cost of the transaction. In SWIFT messages you can see which arrangement the international transfer has been issued under - SHA is most common to promote transparency and therefore avoid conflict. At Intergiro, all SHA inbound transactions are free for our customers. We do however, reserve the right to pass on any OUR or BEN fees to our customers inline with normal banking practice.