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© 2024 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 business account per company.

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 our contact form to discuss your specific needs

Can I reopen my account?

Intergiro is an EMI, an electronic money institution licensed by Swedish Financial Supervisory Authority (Sw. Finansinspektionen) with the authority to issue electronic money and to provide payment services.

Are you a bank?

About Intergiro

You can read more about the businesses and regions we can and cannot work with here in our Terms & Conditions (point 2b). We only provide business accounts to businesses or sole proprietorships registered in the European Economic Area. Additionally, the business activities and industry of the company must be within our risk appetite. If you have any questions about the requirements to open an Intergiro business account, please get in touch via the Contact Us page in the footer.

Can I open an Intergiro business account?

Please note that we are have paused all onboarding of new clients for the time being. For now, please join our waiting list here to be among the first informed when our onboarding opens again. 

In the future, you will be able to open an account. We will ask you for some personal information and details about your business. You'll need to have the following documents at hand: Passport/IDs of account users, owners and directors; utility bills of account users, owners and directors.

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

How can I open an account?

Filling in the details for the application takes only a few minutes. We aim to get back to you within 5-10 business days if we need further information to support your application, and to complete the application shortly thereafter.

How long does it take to set up an account?

To open an Intergiro business account online, you'll need some information to hand about yourself and your business. The documentation we need depends on what's available online in public business registries and the industry of the applicant. Typically we need the following: 

3. Register extract (max three months old)

5. Information/ documents supporting the company business activity: functional website and/ or customer invoices/ agreements

8. Individual ID (passport or national card ID) for owners, directors and intended wallet users. This does not need to be notarized and needs to be a clear colour scan or a photo. If it's an ID card we need to see both sides.

9. Proof of residence in the form of any of the following: utility bill (landline phone, electricity, water, gas), bank account statement, or any other document issued by a governmental authority maximum three months old. Please note: mobile phone bills are not accepted.

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?

For the time being, we can only accept applications from the European Economic Area (EEA). Unfortunately, if you are registered elsewhere, we wouldn't be able to accommodate you as of now.

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

Please email onboarding@intergiro.com from the email that you signed up with if you'd like to discuss your application.

Why isn't my account activated?

Please open a chat on intergiro.com and choose "I want to open an account" and then "I have problems with signing up". You can also reach out to us via our Contact Form here.

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?

You can review your application status for a business account by going to intergiro.com and logging in. If you have anything to add to your application, please email us at onboarding@intergiro.com. 

It's possible that we've already reached out to you regarding your application. Please double-check your spam folder to see if you've missed any emails from our Onboarding team.

How is it going with my application?

The first step is to sign up on intergiro.com or via this link. You will be prompted to fill in your email, mobile phone number, and password which will be used as credentials for your Intergiro account. Next, you will be asked to fill in more details about the company, such as registration number, ownership, directors, wallet users, industry and business activity, etc. You can find more information about the documentation that is required in this article. You can log in later to complete all the steps, upload documents, or just review the status of your application. 

When you finish the application, the Onboarding team will review your application and reach out to you via email to update you on the application and request any additional information, if necessary. Please double check your spam folder in case any of our emails have ended up there.

What is the application process for an Intergiro business account?

Our Onboarding team will reach out to you via email as soon as they've made the initial review of your application. Please double check your email client's Spam folder. You can also email us at onboarding@intergiro.com if you need an update. 

To upload documentation regarding your application, you can go to intergiro.com and log in with the credentials associated with the application.

How will Intergiro communicate with me?

You can chat with our Support team between 09:00 to 17:00 on weekdays within the Customer Portal. To log into the Customer Portal, you need to log in at intergiro.com or via the mobile app. You can also email us at support@intergiro.com. For security reasons, we will only chat about sensitive or customer-specific topics with logged in users via the Customer Portal.

Do you offer phone support?

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 order debit Mastercards that can be used online or in stores, wherever Mastercard is accepted.  

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

Will I get a card with my Intergiro business account?

There is no set limit on how many cards you can order. In theory, you can order as many as you want, but as a financial institution, we have legal requirements to understand your business flow including your card usage. Thus, we may request information about your card ordering and usage if either seems out of the ordinary.

How many cards can we order?

Virtual cards can be ordered anywhere in the world. Physical cards can only be delivered to addresses within the European Economic Area. 

Where can cards be ordered to?

Cards can be used wherever debit Mastercards are accepted. 

Where can cards be used?

At the moment, the cards can only be issued to Euro accounts. Any non-Euro transactions will be converted to Euro using Mastercard exchange rate with no additional fees or charges.

Will I be charged for making non-Euro transactions?

Yes, with our 3d services, you will be able to offer accounts and cards to your customers and users. You can find more information here, or contact us to find out more.

Can I issue cards to our customers?

We use the Mastercard exchange rate without any additional fees. By regulation, we must also display the European Central Bank (ECB) exchange rate and any mark-ups to help you compare rates across card providers. Use our currency calculator to check the exchange rate and any mark-up over the ECB rate for EEA currency transactions. Note: Actual currency conversion charges may vary from the calculator's estimate due to rate changes between updates

Where can I check the exchange rate for my card transactions?

You can find our Pricing here. If you are an existing customer, you can find your pricing in the Welcome Letter you received when you became a customer. For applicants in 'high risk' or complex industries, such as crypto, we apply customized pricing under the Enterprise package. Please contact sales@intergiro.com if you have any queries prior to submitting an application.

How much does Intergiro cost?

Intergiro does not offer any loan 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?

Our core service is a Euro IBAN for SEPA only which we can offer all customers that we onboard, along with the issuing of physical or virtual debit Mastercards for company expenses. For eligible customers in accepted industries, we can offer SWIFT IBAN accounts for international transfers. As of now, we have EUR, USD, GBP, SEK, DKK, NOK, PLN and AUD available. Additionally, we're working to enable local payment options for Sweden. This gives you a local account with a sort code and account number for incoming and outgoing payments.

We would need some more information about your business activities to determine whether we can provide just the basic SEPA Euro IBAN or possibly additional SWIFT services. However, the most accurate way to determine this is still to submit an application at intergiro.com. If you have any questions please use the contact form via the chat or email us on sales@intergiro.com.

What services can you offer for business banking?

The Euro IBAN for SEPA will be issued in Sweden, so the prefix will be SE. 

For SWIFT IBANs, we make use of different payment processors depending on the individual circumstances and industry of the customer. Thus, we can only confirm that the IBAN will be issued within the European Economic Area.

Which country are the IBAN(s) issued in?

We support local outgoing transfers in USD, EUR, GBP, SEK, NOK, DKK, PLN and AUD as a part of our multicurrency product. This product is available for eligible customers based on the industry.

Do you support local currencies?

Our API for 2D customers is being developed. Please get in touch with us via sales@intergiro.com to join the waiting list for this feature.

Do you have an API solution for 2d customers?

Intergiro does not have any transaction limits from a technical perspective. Get in touch with us via sales@intergiro.com or Contact Us to discuss your needs in more detail.

What are your transaction limits?

No. We will contact you and communicate what is needed in case we need further information about a transaction. This usually involves a service agreement or invoice. 

Do I have to provide documentation and clarification regarding all transfers I make and receive?

Intergiro does not use a correspondent bank for SWIFT transfers. For SEPA transfers, no correspondent bank is needed.

Which correspondent bank does Intergiro use?

The Intergiro mobile app is available for Android and iOS. Existing customers can use it to log into their Intergiro account for their business banking purposes.

Can I use the Intergiro mobile app?

• Payments to International IBANs, via SWIFT network

• Slower (normally a day or two longer) and more expensive than local payments

• Payments sent via SWIFT are easier to trace or recall which is why many businesses choose to pay bills via this method

• Please note that additional fees may be charged by intermediary banks or your beneficiary's bank when paying via SWIFT

International SWIFT payment

• Payments to EU IBANs, via SEPA network

• Payments to local UK accounts, via Faster Payments Service

• Sent by our partners without a reference

• You will not be able to recall this transaction

• Payments to local US accounts, via FedACH

• Payments to local Swedish accounts, via RIX

• Payments to local Danish accounts, via Straksclearing

• Payments to local Norweigian accounts, via NICS

• Payments to local Polish accounts, via Elixir network

• Payments to local Australian accounts, via AusPayNet

Local-outgoing-payment

Products and Services

Yes - your money is safe with Intergiro. 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 becomes insolvent, client money will be unaffected and will be refunded to clients.

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. For security reasons, you will need to contact Support either by logging in and initiating a chat or sending an email to support@intergiro.com from the email associated with the account.

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

For security reasons, you will need to contact Support by emailing support@intergiro.com from the email associated with the account. We will provide further instructions from there. 

I need to change the phone number for the Customer Portal but I no longer have access to it, or I need to change the email address.

For regulatory reasons, Intergiro can only allow users to be inactive for a maximum of 5 minutes. After exceeding this period of inactivity, users are automatically logged out.

For more information, please check Article 4(3)(d) of the Commission Delegated Regulation (EU) 2018/389, where it states that Payment Service Providers (PSPs) must apply strong customer authentication in accordance with Article 97(1) of Directive (EU) 2015/2366, specifically that “the maximum time without activity by the payer after being authenticated for accessing its payment account online shall not exceed 5 minutes".

Why am I logged out after five minutes?

All payments are processed as per our cut-off times, depending on the type of payment, destination, currency and recipient bank. 

For a payout in euro using the SEPA network, we receive your payment order immediately upon your submission of the payment order if you submitted it at the latest 14.30 CET on a banking day and we will execute it on the same banking day. If you submitted the payment order after 14.30 CET, we will receive it and will execute it on the following banking day. The recipient will generally receive the payout the next banking day, however it may take longer depending on the recipient’s bank. 

For a payout in euro or any other available currency using international or local payment networks, please see below - Payment and FX Timeline Page for information on when the payment order is received.

Click here to view the cut-off times for payouts (other than SEPA network). 

Click here to view cut-off times for Fx transactions. 

Please be aware that when making FX transactions, the cut-off time of the currency with higher rank will be used. Let’s say you want to buy Australian Dollars (AUD) with UK Sterling (GBP). Australian Dollars (AUD) has a cut off of 13:00 CET, while UK Sterling (GBP) has a cut-off of 14:20 CET. Since AUD has a higher rank in this table, the cut-off for converting the same day will be 13:00 CET. Conversions must therefore be created before the cut-off time on the desired conversion date. If you miss the cut-off, the conversion would settle the next business day.

If you have a question about a specific payment, or if this information didn’t help you, please contact Support via Chat while logged in to your account.

How long does it take to make a payment?

For a payout in euro using the SEPA network, we receive your payment order immediately upon your submission of the payment order if you submitted it at the latest 14.30 CET on a banking day and we will execute it on the same banking day. If you submitted the payment order after 14.30 CET, we will receive it and will execute it on the following banking day. The recipient will generally receive the payout the next banking day, however it may take longer depending on the recipient’s bank.


For a payout in euro or any other available currency using international or local payment networks, please see below - Payment and FX Timeline Page for information on when the payment order is received.


Please be aware that when making FX transactions, the cut-off time of the currency with higher rank will be used. Let’s say you want to buy Australian Dollars (AUD) with UK Sterling (GBP). Australian Dollars (AUD) has a cut-off of 13:00 CET, while UK Sterling (GBP) has a cut-off of 14:20 CET. Since AUD has a higher rank in this table, the cut-off for converting the same day will be 13:00 CET. Conversions must therefore be created before the cut-off time on the desired conversion date. If you miss the cut-off, the conversion would settle the next business day.

What are your cut-off times?

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.

Transactions

What do SEPA and SWIFT mean?