Q: Does Halocard have an overall spending limit?

<p>There is <strong>no overall spending limit</strong> on a Halocard account. You can spend up to the amount of funds you deposit.</p> <h2 id="allcardpurchaseswillbepaidfromyouraccountbalancewhileyourbalanceissufficient">All card purchases will be paid from your account balance while your balance is sufficient.</h2> <h6 id="individualspendinglimitsforcards">Individual Spending Limits for Cards</h6> <p>Separately to this, you can set <a href="https://halocard.crisp.help/en/article/uupdate-how-can-i-add-spending-limits-bwd47x/">individual spending limits</a> for your cards.</p> <p>If an <strong>individual spending limit</strong> for a card is <strong>lower than your account balance</strong>, the card will adhere to the individual spending limit.</p> <p>If there is no individual spending limit defined for a card, your full account balance can be spent via that card.</p>

Q: Is Halocard available in my country?

<p>Halocard is available to<strong> individuals 18 years or older</strong> in <strong>most countries worldwide</strong>.</p> <p>Please note our card issuer and banking partners restrict certain countries in order to prevent money laundering, terrorist financing and fraud. As a result, Halocards cannot be issued to residents of the following countries:</p> <ul> <li>Belarus</li> <li>Cuba</li> <li>India</li> <li>Iran</li> <li>Iraq</li> <li>Israel</li> <li>Mainland China</li> <li>Myanmar</li> <li>Nepal</li> <li>Nicaragua</li> <li>North Korea</li> <li>Russia</li> <li>Syria</li> <li>Turkey</li> <li>Ukraine</li> <li>Venezuela</li> <li>Vietnam</li> </ul> <h6 id="residentsofprohibitedcountrieslivingabroad">Residents of prohibited countries living abroad</h6> <p>If you're a citizen of a prohibited country residing in a non-prohibited country (for example, an Indian national living in the UK), and your identity check fails, please contact the Halocard support team. </p> <p>We can request a manual review and resubmit your identity check with an additional proof of residence document from a non-prohibited country. Please note approvals are on an individual basis and are not guaranteed.</p>

Question 1

What fees apply when using Halocards?

Accepted Answer

Below is a detailed summary of the applicable fees from our card networks and banking partners, when using Halocard.

| Type | Amount | Description | | ---- | | Transaction Fees | | | | Authorization Fee | $0 | This fee is charged when a merchant checks whether your card is valid before completing a payment. No fee from Halocard. | | Transaction Fee | $0 | This fee is charged when a payment is successfully completed. No fee from Halocard. | | Small Transaction Fee | $0 | This fee is sometimes charged for very small purchases. No fee from Halocard. | | Declined Transaction Fee* | $0 | This fee is charged when a payment attempt is declined. No fee from Halocard. *However if a card is declined more than four times in short succession, it may be automatically cancelled for security reasons. | | International Fees | | | | Cross Border Fee | $0 | This fee is charged when a merchant is located in a different country. No fee from Halocard. | | International Transaction Fee | 1.5% + $0.30 | This fee is charged when a purchase is made in a foreign currency or with a non-US merchant. It covers currency conversion and international processing costs. | | ATM Fees | | | | Withdrawal Fee | 1% + $1.00 | This fee is charged when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. | | Balance Inquiry Fee | $1.00 | This fee is charged when checking your card balance at an ATM. | | Decline Fee | $1.

Question 2

Can I set custom billing address for my Halocards?

Accepted Answer

Yes, you can set a custom billing address for every Halocard you create.

If you do not set a custom billing address, your Halocard will use your default address provided during your identification check.

A billing address is associated with your Halocard for payment verification and compliance purposes. Merchants receive only the information required to perform billing and address verification checks, and your full personal details are not shared or exposed.

If your purchases are declining with the reason "Address verification failed" or similar, please see the article: Do Halocards support AVS (Address Verification System)

Question 3

Does Halocard have an overall spending limit?

Accepted Answer

There is no overall spending limit on a Halocard account. You can spend up to the amount of funds you deposit.

All card purchases will be paid from your account balance while your balance is sufficient.

Individual Spending Limits for Cards

Separately to this, you can set individual spending limits for your cards.

If an individual spending limit for a card is lower than your account balance, the card will adhere to the individual spending limit.

If there is no individual spending limit defined for a card, your full account balance can be spent via that card.

Question 4

Why is a mobile number required?

Accepted Answer

A mobile number is required to open a Halocard account for security, verification and compliance purposes.

Halocard uses your phone number to send text messages for important alters including:

One-time login codes
Funds received to your Halocard account
One-time 3D-Secure codes (when required for online purchases)
New transactions on your Halocards
Security notifications

Usage of VoIP Numbers

Halocard does not recommend using Voice over IP (VoIP) numbers as they are often unreliable. Using a standard, post-paid mobile service helps ensure you receive time-sensitive text messages and transaction alerts without interruption.

Question 5

Is Halocard available in my country?

Accepted Answer

Halocard is available to individuals 18 years or older in most countries worldwide.

Please note our card issuer and banking partners restrict certain countries in order to prevent money laundering, terrorist financing and fraud. As a result, Halocards cannot be issued to residents of the following countries:

Belarus
Cuba
India
Iran
Iraq
Israel
Mainland China
Myanmar
Nepal
Nicaragua
North Korea
Russia
Syria
Turkey
Ukraine
Venezuela
Vietnam

Residents of prohibited countries living abroad

If you're a citizen of a prohibited country residing in a non-prohibited country (for example, an Indian national living in the UK), and your identity check fails, please contact the Halocard support team.

We can request a manual review and resubmit your identity check with an additional proof of residence document from a non-prohibited country. Please note approvals are on an individual basis and are not guaranteed.

Question 6

Can I receive USD payments to my Halocard account?

Accepted Answer

Yes, you can receive USD payments to your Halocard provided US bank account. Examples include salary payments, transfers from friends/family and any other type of payment eligible to be sent to a traditional US checking account. Please check your Halocard account for your unique account number and routing details.

Incoming payments are subject to standard, business-day processing times for US banks including 1 - 3 days for ACH transfers and up to 1 day for wire transfers. Payments will be visible in your Halocard account balance and ready to spend once settled.

| Payment Methods | Processing Time | Incoming Fees | | ---- | | ACH Transfer | 1 - 3 Days | Free | | ACH Transfer (Same-Day) | Same Day | Free | | Domestic Wire | Same Day | Free | | FedNow | Instant | Free | | Real Time Payments (RTP) | Instant | Free | | International Transfer (SWIFT) | 1 - 5 Days | Free (Non-USD funds subject to foreign exchange rates) |

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