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Айкарт АД (предишно наименование Интеркарт Файнанс АД)

Bulgaria
4.2(137 ratings)ActiveEMI
View on register

Regulator

Bulgarian National Bank

Licence number

175325806

Authorised since

21 Jul 2011

EEA passports

29

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach
Pan-EuropeanTier A

Passports into 29 EEA jurisdictions.

Scope
Full-serviceTier A

Authorised for 8 payment-services activities.

Tenure
EstablishedTier A

Authorised 15 years ago.

About this institution

Verified active. Айкарт АД holds a Bulgarian e-money licence granted 21 July 2011 under licence reference 175325806. Its authorisation covers cash withdrawal services on payment accounts, cash deposit services, and execution of payment transactions. The licence also authorises issuance of electronic money, money remittance, and issuing payment instruments. Additionally, the entity may acquire payment transactions and safeguard customer funds held on accounts. The licence further authorises execution of payment transactions for funds covered by a credit line. All authorisation details are listed in the Bulgarian National Bank register without supplementary qualifiers. The record confirms that no additional authorisation categories are assigned beyond those listed.

The licence permits passporting into 29 EEA host states, enabling cross-border electronic money operations. Host states include Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania,

Licence timeline

3 dated events

Dated events for Айкарт АД (предишно наименование Интеркарт Файнанс АД), from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

  1. Cross-checked against the Bulgarian National Bank register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Licence granted by the Bulgarian National Bank

Position in the Bulgaria register

Bulgaria EMIs

13

Active

13

Full / small licences

13 / 0

Licence age rank

1/13

Айкарт АД (предишно наименование Интеркарт Файнанс АД) is one of 13 e-money institutions on the Bulgaria register, 13 of which are currently active. Its licence is the 1st oldest of the 13 dated Bulgaria EMI authorisations, one of 2 granted in 2011.

Is your money safe with Айкарт АД (предишно наименование Интеркарт Файнанс АД)?

Айкарт АД (предишно наименование Интеркарт Файнанс АД) holds an e-money authorisation from Bulgarian National Bank, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

EEA passporting

29 jurisdictions

Under the EU passporting regime, Айкарт АД (предишно наименование Интеркарт Файнанс АД) can provide services across the following EEA jurisdictions, in addition to its home authorisation in Bulgaria.

  • NetherlandsNetherlands12
  • ItalyItaly12
  • MaltaMalta12
  • LatviaLatvia12
  • SlovakiaSlovakia12
  • EstoniaEstonia12
  • Czech RepublicCzech Republic12
  • RomaniaRomania12
  • IrelandIreland12
  • LithuaniaLithuania12
  • PolandPoland12
  • IcelandIceland12
  • SloveniaSlovenia12
  • NorwayNorway12
  • PortugalPortugal12
  • LiechtensteinLiechtenstein12
  • CroatiaCroatia12
  • FinlandFinland12
  • FranceFrance12
  • GreeceGreece12
  • SwedenSweden12
  • BelgiumBelgium12
  • AustriaAustria12
  • LuxembourgLuxembourg12
  • CyprusCyprus12
  • SpainSpain12
  • DenmarkDenmark12
  • GermanyGermany12
  • HungaryHungary12

Authorised activities (PSD2 / EMD2)

Payment-services activities Айкарт АД (предишно наименование Интеркарт Файнанс АД) is permitted to carry out under its licence, as recorded in the register.

  • Issuance of electronic moneyEMI_ISSUANCE
  • Money remittancePSD2_6
  • Issuing payment instruments and acquiring payment transactionsPSD2_5
  • Safeguarding of customer fundsSAFEGUARDING
  • Execution of payment transactions on a payment accountPSD2_3
  • Cash withdrawal services on a payment accountPSD2_2
  • Cash deposit services on a payment accountPSD2_1
  • Execution of payment transactions where funds are covered by credit linePSD2_4

Frequently asked questions

Is Айкарт АД (предишно наименование Интеркарт Файнанс АД) a licensed e-money institution?
Yes. Айкарт АД (предишно наименование Интеркарт Файнанс АД) holds EMI authorisation from Bulgarian National Bank in Bulgaria, licence reference 175325806. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates Айкарт АД (предишно наименование Интеркарт Файнанс АД)?
Айкарт АД (предишно наименование Интеркарт Файнанс АД) is authorised and supervised by Bulgarian National Bank in Bulgaria. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is Айкарт АД (предишно наименование Интеркарт Файнанс АД)'s licence or FRN number?
Айкарт АД (предишно наименование Интеркарт Файнанс АД)'s licence reference number is 175325806. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.
Is Айкарт АД (предишно наименование Интеркарт Файнанс АД) authorised in other EEA countries?
Yes. Айкарт АД (предишно наименование Интеркарт Файнанс АД) is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Bulgaria

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Registered office

Street
Business Park Varna № B1, Mladost dist.
City
Varna, 9009

Ratings & reader notes

137 ratings · 0 written notes

4.2(137 ratings)
  • 5★74
  • 4★37
  • 3★12
  • 2★9
  • 1★5

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