Question 1

Fees and Limits Schedule

Question 2

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 3

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

Accepted Answer

Only loading channel to State Of Cards is bank transfer from your bank. We may charge you a small fee to cover our costs. If you top up via SWIFT, intermediary payment service providers may apply a processing fee on your top-up amount. Your banks or intermediary banks may also charge you a fee so please reach out to them directly to understand why.

Question 4

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 5

Single Euro Payments Area (SEPA)

Accepted Answer

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

Question 6

SWIFT

Accepted Answer

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.

Question 7

Will I be charged for topping up by transfer?

Accepted Answer

If you add EUR from a bank domiciled in the Single Euro Payments Area (SEPA) using your EUR local details, your bank will charge a s small cost for SEPA Transfers. Learn more about SWIFT & SEPA transfers here.

Question 8

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!