When will the money reach my State Of Cards account

The actual time your bank transfer will take from the moment it is initiated to the moment it reaches your State Of Cards account depends on many factors

Why was I charged a fee for my top-up?

Only loading channel to State Of Cards is bank transfer from your bank

Single Euro Payments Area (SEPA)

The European's domestic clearing scheme for simplifying the European banking transaction network and processing EUR payments within the SEPA region.

SWIFT

SWIFT stands for Society for Worldwide Interbank Financial Telecommunications. Set up in 1973, it’s a member-owned cooperative that developed a communication platform to transmit secure financial transaction information between the financial institutions it represents.

Will I be charged for topping up by transfer?

If you add EUR from a bank domiciled in the Single Euro Payments Area (SEPA) using your EUR local details