---
title: "Icard Ad SWIFT/BIC code INTFBGSFXXX · Bulgaria | Elucidate"
description: "Licensed in Bulgaria: Electronic money institution (Bulgarian National Bank). SWIFT/BIC code INTFBGSFXXX for Icard Ad, Bulgaria. Head-office BIC."
url: https://elucidate.co/directory/icard-ad-intfbgsf
---
1. [Directory](https://elucidate.co/directory)
2. [Bulgaria](https://elucidate.co/directory/country/bg)
3. Icard Ad
Bulgaria · Payments & e-money
# Icard Ad
Legal name in the LEI record АЙКАРТ АД
iCard AD is a Bulgarian joint-stock company based in Varna. The Bulgarian National Bank (BNB) authorises it as an electronic money institution under licence No. 4703-5081/25.07.2011. It offers e-money accounts through the iCard Digital Wallet and iCard for Business, with Visa and Mastercard debit, virtual and gift cards, to consumers and businesses in the EEA. It also runs card issuing and processing under the iCard Direct brand, and it was formerly named Intercard Finance AD.
Register status
Licensed in Bulgaria
Electronic money institution · Bulgarian National Bank
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/icard-ad-intfbgsf#licences)
BIC **INTFBGSFXXX** LEI **[529900T17H7IA9SJUK38](https://search.gleif.org/#/record/529900T17H7IA9SJUK38)** [Licence no. **175325806**](https://elucidate.co/directory/icard-ad-intfbgsf#licences) Connected to Swift Head-office BIC only [Claim this profile](https://elucidate.co/directory/icard-ad-intfbgsf#claim)
## Licences and registrations
Held by АЙКАРТ АД (LEI 529900T17H7IA9SJUK38). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Bulgarian National Bank Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution GLEIF legal name: АЙКАРТ АД | 175325806 | [Bulgaria](https://elucidate.co/directory/country/bg) | Active | 2011-07-21 | — | - Money remittance - Payment services - Card acquiring - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
The register name differs from the legal name in GLEIF. This can follow a rename. Treat the LEI match as indicative.
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** INTFBGSFXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · TIPS · VIBER](https://elucidate.co/directory/icard-ad-intfbgsf#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2010-11-06
- **Last updated:** 2022-02-14
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
E-money and accounts
Trades as iCard
- **Ownership:** The firm does not disclose its shareholders on its website. It states that Sistech Holding AD was its majority owner until 2010.
- **Head office:** Business Park Varna, building B1, 9009 Varna, Bulgaria
- **Company register:** Bulgarian Commercial Register UIC (EIK) 175325806
- **Incorporated:** 2007
- **Founder:** Yavor Petrov
- **Former name:** Intercard Finance AD (Интеркарт Файнанс АД)
### Online
- **Websites & references:** [icard.com ↗](https://icard.com/) [icard.direct ↗](https://icard.direct/) iCard Direct card issuing, processing and acquiring site [atm.icard.com ↗](https://atm.icard.com/) iCard ATM network site [giftcards.eu ↗](https://www.giftcards.eu/) GiftCard prepaid card site [blog.icard.com ↗](https://blog.icard.com/) blog [careers.icard.com ↗](https://careers.icard.com/) careers site [openbank.icard.com ↗](https://openbank.icard.com/statistics) open banking interface statistics [Wikipedia ↗](https://bg.wikipedia.org/wiki/%D0%90%D0%B9%D0%BA%D0%B0%D1%80%D1%82)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/2171980/) · [X ↗](https://twitter.com/iCard_Wallet) · [Facebook ↗](https://www.facebook.com/iCard.Digital.Wallet/) · [Instagram ↗](https://www.instagram.com/icard.digital.wallet/) · [YouTube ↗](https://www.youtube.com/@iCardInternational) · [TikTok ↗](https://www.tiktok.com/@icard.digital.wallet) · [WhatsApp ↗](https://api.whatsapp.com/send/?phone=442031291213&text&app_absent=0)
- **Apps:** [Google Play ↗](https://play.google.com/store/apps/details?id=eu.mobile.icard&hl=en) · [App Store ↗](https://apps.apple.com/bg/app/icard-app/id1322347923) · [appgallery.cloud.huawei.com ↗](https://appgallery.cloud.huawei.com/ag/n/app/C101799971?locale=en_US&source=appshare&subsource=C101799971)
Sources · 9 pages consulted
1. [icard.com/en/terms-and-conditions](https://icard.com/en/terms-and-conditions)
2. [icard.com/en/about-icard](https://icard.com/en/about-icard)
3. [icard.com/en/security](https://icard.com/en/security)
4. [icard.direct/pdf/license\_bnb\_electronic\_money\_institution.pdf](https://icard.direct/pdf/license_bnb_electronic_money_institution.pdf)
5. [dnb.nl/en/public-register/information-detail/?registerCode=WFTEG&relationNumber=R104640](https://www.dnb.nl/en/public-register/information-detail/?registerCode=WFTEG&relationNumber=R104640)
6. [uzraudziba.bank.lv/en/market/payment-service-providers/electronic-money-institutions/service-providers-from-](https://uzraudziba.bank.lv/en/market/payment-service-providers/electronic-money-institutions/service-providers-from-the-eea/freedom-to-provide-services/icard-ad/)
7. [lb.lt/en/sfi-financial-market-participants/icard-ad](https://www.lb.lt/en/sfi-financial-market-participants/icard-ad)
8. [bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS\_OS\_SD\_2020\_10](https://www.bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS_OS_SD_2020_10_BG)
9. [bg.wikipedia.org/wiki/%D0%90%D0%B9%D0%BA%D0%B0%D1%80%D1%82](https://bg.wikipedia.org/wiki/%D0%90%D0%B9%D0%BA%D0%B0%D1%80%D1%82)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
- **Operates under:** Its own licences
The Bulgarian National Bank authorises the firm as an electronic money institution under the Payment Services and Payment Systems Act, licence No. 4703-5081/25.07.2011. It passports its services to other EEA states. In Romania it offers cash deposits through its registered agent Startpay Services S.R.L.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Bulgarian National Bank Bulgaria | Licence for conducting activities as an electronic money institution (EBA register number 175325806) | 4703-5081/25.07.2011 | In its own name | Active | [icard.com ↗](https://icard.com/en/terms-and-conditions) |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
## Partners and safeguarding
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
- **Safeguarding:** Segregated safeguarding accountsThe firm states that it keeps funds received for e-money in segregated accounts at partner credit institutions, separate from its own funds. E-money balances are not covered by deposit guarantee schemes. [icard.com ↗](https://icard.com/en/terms-and-conditions)
- **Payment schemes and card networks:** Visa Direct [icard.com ↗](https://icard.com/en/about-icard) Mastercard Direct [icard.com ↗](https://icard.com/en/about-icard) BORICA Direct [icard.com ↗](https://icard.com/en/about-icard) SEPA Credit Transfer and SEPA Instant Credit Transfer Direct [icard.com ↗](https://icard.com/en/about-icard) Swift Direct [icard.com ↗](https://icard.com/en/about-icard) American Express (as aggregator) Through a partner [icard.com ↗](https://icard.com/en/about-icard) Domestic (non-SEPA) payment systems Through a partner [icard.com ↗](https://icard.com/en/terms-and-conditions)
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
## Products and markets
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
- E-money wallet
- Multi currency accounts
- Debit cards
- Domestic payments
- International money transfer
- Prepaid cards
- Card-issuing platform
- Merchant acquiring
- Mobile top-up
It offers e-money accounts with individual IBANs, Visa and Mastercard physical, virtual and wearable cards, SEPA and Swift transfers, gift cards and prepaid top-ups. Business accounts, payroll, card issuing and processing are sold under the iCard for Business and iCard Direct brands. Access to crypto-asset and precious-metal trading is provided by Bitpanda group companies under Bitpanda's own terms.
It serves customers across the EU and EEA under its Bulgarian licence, using the freedom to provide services. It says its services are used in more than 30 European countries.
- **Sells to:** Consumers · Small businesses · Enterprises
- **Serves customers in 30 countries:** Bulgaria · Austria · Belgium · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Luxembourg · Malta · Netherlands · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden · Iceland · Liechtenstein · Norway
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
- **Chief executive:**  Yavor Petrov Co-founder, CEO, Board Member Confirmed 29 Sep 2026 · [icard.com ↗](https://icard.com/en/about-icard)
- **Chief executive:**  Maria Valeva CEO, Board Member Confirmed 29 Sep 2026 · [icard.com ↗](https://icard.com/en/about-icard)
- **Compliance / MLRO:**  Maya Dyakova Chief Risk Officer, Board Member Confirmed 29 Sep 2026 · [icard.com ↗](https://icard.com/en/about-icard)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/icard-ad-intfbgsf#overview-sources)
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** INTFBGSFXXX
- **How the BIC breaks down:** 1. INTF Bank 2. BG Country · Bulgaria 3. SF Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 529900T17H7IA9SJUK38
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/529900T17H7IA9SJUK38)
- **Licence no. · EBA-PSD2:** 175325806
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. Register entry: Matched by Elucidate to GLEIF on name, country and address.
- **Register-entry ID:** 67be4362690c
- **National bank codes:** [Bank code (GIRO) 118 · BAE code INTF4001](https://elucidate.co/directory/icard-ad-intfbgsf#bank-codes)
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/icard-ad-intfbgsf#licences)
- **Activities:** - Money remittance - Payment services - Card acquiring - E-money / stored value
- **Licensed in:** [Bulgaria](https://elucidate.co/directory/country/bg)
- **Country · region:** Bulgaria · Europe & Central Asia
- **Banking supervision:** Not on the ECB's list of supervised entities as of 2026-07-01
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** VARNA MUNICIPALITY, MLADOST REGION VARNA BULGARIA
- **Operational address:** BUSINESS PARK VARNA B1 B1 VARNA 9009 VARNA BULGARIA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
INTFBGSFXXX
529900T17H7IA9SJUK38
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
INTFBGSFXXX
529900T17H7IA9SJUK38
ICARD AD
VARNA
BG
VARNA MUNICIPALITY, MLADOST REGION VARNA
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 · MNB routing table of 2026-09-01
| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2017-01-02 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2018-01-09 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2017-01-02 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
| VIBER (Hungarian forint real-time gross settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
The MNB routing table gives no joining date.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
## National bank codes
### Bank code (GIRO) · Hungary
1 code file of 2026-10-01
| Code | Routes to BIC | Name in the national file | City |
| --- | --- | --- | --- |
| 118 | INTFBGSF | iCARD AD | Varna |
### BAE code · Bulgaria
1 code file of 2026-09-09
| Code | Routes to BIC | Name in the national file |
| --- | --- | --- |
| INTF4001 | INTFBGSF | Айкарт АД |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
## Related institutions
### Other payments & e-money institutions in Bulgaria
- [Borica Ad BIC BSBGBGSF Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 201230426 (EBA-PSD2) · LEI 485100W9O3MXIP9PCS03](https://elucidate.co/directory/borica-ad-bsbgbgsf)
- [Датекс Пеймънт Технолоджи ЕАД | Datecs Payment Technology EAD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 204654634 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/datecs-payment-technology-ead-cd57745e50a1)
- [Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 204112059 (EBA-PSD2) · LEI 9845002E8E5E888DEO35](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669)
- [Изипей АД | EasyPay AD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 131344648 (EBA-PSD2) · LEI 984500AFDAJDB6D65A80](https://elucidate.co/directory/easypay-ad-d655f953d5cb)
- [Econt Financial Services LTD BIC ECFEBG22 Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 205968825 (EBA-PSD2) · LEI 984500CD4663A969J318](https://elucidate.co/directory/econt-financial-services-ltd-ecfebg22)
- [Айрис Солюшънс АД | Iris Solutions AD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 208455895 (EBA-PSD2) · LEI 98450097DE0601E7DQ96](https://elucidate.co/directory/iris-solutions-ad-cd281a0368ef)
- [ЮтеПей България ЕООД | IutePay Bulgaria EOOD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 204903721 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/iutepay-bulgaria-eood-71ba02009e84)
- [Монесо ЕООД | Monesso EOOD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 208392473 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/monesso-eood-4e24d5f276e2)
[See all →](https://elucidate.co/directory/search?type=payments&cc=BG)
Claim this profile
## Work at Icard Ad?
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties. Source: Magyar Nemzeti Bank, short routing table.
- **National bank codes**—Hungary (Source: Magyar Nemzeti Bank), Bulgaria (Source: Bulgarian National Bank).
- **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026
- **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: [icard.com](https://icard.com/) (official website) · [original](https://cdn.icard.com/icard.com/img/common/logo.png?56); Yavor Petrov: [icard.com](https://icard.com/en/about-icard) (official website) · [original](https://cdn.icard.com/icard.com/img/about-us/leader-img1.jpg?56); Maria Valeva: [icard.com](https://icard.com/en/about-icard) (official website) · [original](https://cdn.icard.com/icard.com/img/about-us/leader-img2.jpg?56); Maya Dyakova: [icard.com](https://icard.com/en/about-icard) (official website) · [original](https://cdn.icard.com/icard.com/img/about-us/leader-img3.jpg?56).
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.