Business accounts

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© 2022 Intergiro Intl AB (publ). Company no: 556965-3537. Regulated by the Swedish Financial Supervisory Authority (Finansinspektionen) under the Swedish Electronic Money Act (2011:755). License no: 48003.

An all-in-one platform offering multi-currency bank accounts, card issuing and card acquiring across Europe

Smart online banking | Intergiro

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We are Intergiro, a Swedish fintech company licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) with the authority to issue electronic money and to provide payment services. Our full company name is Intergiro Intl AB (publ) and our registered address is Box 3093, 10361 Stockholm, Sweden. Our company registration number is 556965-3537, our VAT number is SE556965353701 and our registered institution number with the Swedish Financial Supervisory Authority is 48003.

Who are you?

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.

What is an Intergiro business account?

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

Can I open more than one 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.

Can I reopen my account?

About Intergiro

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.

Can I open an Intergiro business 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.

How can I open an 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.

How long does it take to set up an 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.

What information / documents do I need to open an Intergiro business account?

At the moment we only offer business accounts.

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

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.

Can a Non EEA registered company open an Intergiro business account?

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

Why isn't my account activated?

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

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

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.

If I have more than one company, am I able to open an Intergiro business account for each different company?

Account opening

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.

What are Intergiro cards?

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.

Sign up for an Intergiro business account now to get access to Intergiro cards.

How can I get an Intergiro 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 and selecting Cards from the top menu.

How do I activate my card?

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.

Will I get a card with my Intergiro business account?

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

How much does Intergiro cost?

Intergiro does not offer any debt or credit services.

Do you offer any debt or credit services?

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.

Can I give access to a new account user?

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

When will you release new features?

We strive to provide the best possible service to you and our friendly Customer Support team is ready to assist you with any issues you may have with our services.

If you are still not satisfied with our efforts and you wish to make a formal complaint, you can contact complaints@intergiro.com. Complaints against Intergiro are dealt with according to recommendations set out by our regulator, the Swedish FSA. 

We will do our best to resolve your complaint as soon as possible and, in any event, respond to your complaint no later than fifteen (15) Swedish banking days from receipt of your complaint. In exceptional circumstances where we require more time to respond, we will contact you to let you know, and in any case we will respond to your complaint within thirty five (35) Swedish banking days. 

For any complaints or claims you may have regarding any faults or deficiencies in products or services that you have purchased with your card, please contact the seller of the product or the service provider (i.e. the point of sales) directly. The seller or service provider is liable for such faults or deficiencies in accordance with the laws applicable to the purchase, and we assume no liability regarding such faults or deficiencies.

Something went wrong. How can I make a complaint?

Products and Services

Intergiro is an Electronic Money Institution, regulated in Sweden by Finansinspektionen (The Swedish Financial Supervisory Authority) under the Swedish Electronic Money Act (2011:755), Licence Reference: 48003, for the issuing of electronic money. We are required by law to protect clients money by safeguarding it with a bank, segregated from Intergiro's own funds. That means, in the unlikely event that Intergiro become insolvent, client money will be unaffected and will be refunded to clients in full.

Is my money safe with Intergiro?

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.

How do you keep my account and my card safe?

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.

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

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

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

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.

How long does it take to make a payment?

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.

How do I pay the fees and charges?

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

Is there any way of downloading my statement data?

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.

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

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.

Do you have any restricted countries?

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.

What do SEPA and SWIFT mean?

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.

Can I make international payments using my Intergiro business account?

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.

What charges are applicable to incoming SWIFT transactions?

Intergiro’s bulk payment feature allows you to create multiple payments at the same time. You can upload a CSV file or create multiple payments manually. You can enter a maximum of 300 entries at once (manual or CSV). Whether you choose to download a template from our ‘Bulk Payments’ menu or to create one on your own, please note that every line of the CSV file counts as one payment entry and values in the file must be separated by commas. The bulk payment feature is currently available for EUR and SEPA transactions only. 

Transactions

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