Question 1

Ordering a physical State Of Cards personal

Accepted Answer

You order a State Of Cards™ directly through our website at the open a private account page. At this page we have a form that you can fill and sign which allows you to order a card and set up a account here at the State of cards™ At the moment we deliver our State Of Cards Mastercard only within the ESS/EEA. More options and countries will be added as time goes by and as we expand around the world! For more information about this, please visit our blog and keep an eye out for news!

Question 2

Am I affected by the bank account verification process?

Accepted Answer

If you are clients of State Of Cards™, then we need to verify account. This is to comply with an additional regulatory requirement for application KYC.

Question 3

When will the money reach my State Of Cards account

Accepted Answer

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, such as the currency, the details you use, the country of the sender bank, the operational procedures of the sender bank, the banking network the payment goes through, the operational procedures of the intermediary parties involved (if any), the hour during the day when it was initiated, security and compliance checks, and so on. For this reason, we can only provide an estimation and not the actual time: We estimate that it will take 1-2 banking days for SEPA payment to arrive.

Question 4

I have not received my State Of Cards

Accepted Answer

Please double-check the expected delivery date for your card under theCards section of the account. Standard delivery can take up to 9 working days while express delivery can take up to 3 working days. If you have been waiting longer than the expected delivery date and are convinced that your card has been lost, please report the card as lost or stolen in your account and order a replacement card.

Question 5

Why is my top-up still pending?

Accepted Answer

Topping up by card should be instant. If your top-up is still pending, it’s likely that the funds will be reverted back to your bank account shortly. If the problem remains, please contact our help department via mail to: help@stateofcards.com and mark the subject “pending top-up”.

Why has my top-up failed? Some of the most common reasons are that you’ve had insufficient funds, input wrong card details (expiry date, CVC, billing address), or used an expired card. They also might have declined our authorization request for various reasons. We also have a daily top-up limit for recently added top-up cards, so please wait until the next day if you have just added a new card and topped up successfully with it before. This daily limit will be increased automatically after a few top-ups. If you need more funds before your limit has been increased, you can top up by bank transfer.

Question 6

My State Of Cards is due to expire

Accepted Answer

You’ll find your card expiry date on your card. You can order a new card up to 28 days before your card expires. There is no delivery charge to countries in the EU/ESS/EEA. Once your card expires at midnight on the last of the month, it will be removed from your account automatically and vill no longer work.

Question 7

My balance hasn't been updated following a bank transfer

Accepted Answer

Due to compliance reasons, we’re unable to accept top-ups by transfer from certain sources. This includes some cryptocurrency exchanges, certain countries, banks, and entities. If your top-up wasn’t successful, the funds should be reverted and returned to the sender’s account within the next 5 working days. If you tried to top up by card and it was reverted, it might be because you didn’t complete the 3D Secure authentication or there may have been connection issue – Please try again.

Question 8

Verifying your identity

Accepted Answer

You need to verify your identity in order to use your State Of Cards™ account. This policy is in line with a banking regulation commonly known as ‘Know Your Customer’ (KYC) and is the process of a business verifying the identity of its clients. It is simply an anti-corruption and fraud measure. Until you have completed this step, you are not bound by State Of Cards™ General Terms of Service. Any card top-ups or bank transfers you send into your State Of Cards™ account before verifying your identity will be made at your own risk and are subject to applicable fees. As a company, we need to know who you are. That’s why you have to prove your identity with a supported passport or ID card, when you open an State Of Cards™ account. We would never ask you to prove your identity on behalf of other individuals or companies. The way you show us your ID depends on your nationality, your country of residence, and the type of ID you use. Lastly we want to point out that the verification does not mean that we need a credit check.

Question 9

Transfer money to my State Of Cards account

Accepted Answer

You should also load your card in the currency that your bank account is held in to avoid bad exchange rates. For example, if you have a Swedish bank account make sure you make a transfer in SEK to your SEK to your State Of Cards™ account. You can only receive transfers from your bank account to State Of Cards™ account in any of these supported currencies: DKK, EUR, GBP, NOK, and SEK with more to come!