How IgoriaCard settle the transaction?

Your funds available on IgoriaCard:

  • 0,00 USD
  • 510,00 PLN
  • 250,00 EUR

You need to pay for hotel 170,00 USD.

  1. From your account in USD no amount will be taken, because you have no funds in this currency. Therefore IgoriaCard will automatically exchange 170.00 USD from your means in other currencies, like PLN and EUR.
  2. IgoriaCard will automatically exchange the amount of 510.00 PLN to 122.83 USD. Transaction will be settled at best rate available at IgoriaCard platform (the example rate is 4.1520).
  3. You need additional 41.77 USD to complete the transaction. Therefore IgoriaCard will make another currency exchange, this time using funds on EUR account, exchanging 38.91 EUR to 41.17 USD. The transaction will be settled at best available rate at IgoriaCard platform (example rate is 1.0580).


Using available funds in other currencies, system made automatic exchange. Your card was debited for 170.00 USD.

Your funds:

Before the transaction After the transaction
0,00 USD 0,00 USD (system didn’t use any amount, because there was no financial means in USD)
510,00 PLN 0,00 PLN (system exchanged all amount of 510.00 PLN to 122.83 USD)
250,00 EUR 212,74 EUR (system sold 38.91 EUR and exchange it to 41.17 USD)

IgoriaCard system made an automatic currency exchange from EUR account at the very best rate on IgoriaCard platform.

With IgoriaCard you are able to open free currency account allowing safe and quick online payments. The platform of multicurrency online payments and contactless payments using virtual or plastic version of card, Igoriacard is a convenient solution for private as well as business travels, and everyone who makes online payments. Fast payments are settled online 24/7.

IgoriaCard system using currency accounts allows to transfer money in 17 currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HUF, NOK, ILS, PLN, RON, RUB, SEK, TRY and USD, to personal bank accounts, your inner accounts on IgoriaCard platform and to transfer money to external accounts. Would you like to see how to make an online transfer on our platform?