You get a useful card, premium treatment when renting cars and free travel insurance.

Idea::business gold is a debit card particularly useful when traveling or dealing frequently with European partners:

  • Attached to a EUR or RON account
  • Non-stop access to your money, from anywhere (in the country or abroad)
  • No minimum opening deposit or balance
  • Unlimited number of additional cards issued
  • You are secure thanks to the 3D secure and CIP technology attached to the card
  • You are always in control using Idea::iBank services
  • Discounts in the Mastercard Premium & Business programme
  • Premium benefits when renting cars from top partners:
    • AVIS: free membership in AVIS Preferred Club, allowing you to upgrade your car at no cost and offering you up to 35% discount. To see the steps to be taken to become a member of the club, see the Useful information tab on this page.
    • HERTZ: you get an upgraded car at no cost, renal discounts and free membership in the Hertz Gold Plus Rewards programme:
  • Get free travel insurance covering the following risks:
    • Late departure/involuntary denied boarding/lost connection flight
    • Delayed luggage
    • Hospitalization allowance
    • Travel accident
    • The complete insurance conditions and steps to follow in case of damage are available here
  • See full list with Idea::Bank ATM locations here


Pay in EUR or RON, in Romania or abroad. Idea::business gold card is a true business partner!

  • Transactions are made up to the available balance in the account to which it is attached
  • Currency: EUR or RON
  • Usage: in the country and abroad, in all environments: ATM/POS/Internet
  • Validity: 3 years with automatic renewal
  • Withdrawal limit: cash – maximum 4,000 lei/transaction, up to 10,000 lei (EUR equivalent)/day
  • Discounts in the Mastercard Premium & Business programme
  • Increased security through the 3D secure technology

Types of operations you can do with your Idea::business card:

  • Cash withdrawal and deposit
  • Balance inquiry
  • Payment of goods/services to accepting merchants
  • Online payments


Rates, interest and fees

  • Card issuance fee: 30 lei / EUR 7
  • Annual card management fee: 15 lei / EUR 4
  • The full list of fees is available below


Good luck with your shopping!

Business or holidays? Both. Win one of the 3 travel vouchers worth 5,000 lei with Idea::business card Mastercard.

Idea::business debit and credit cards will take you on vacation! You will choose your destination! Between June 19th and September 15th, 2017, all business cards from Idea::Bank will bring you chances to win one of the 3 travel vouchers worth 5,000 lei each. Perfect for your next vacation!

Just apply and get a Mastercard business card from Idea::Bank, and from there your chances grow with every use of it.

  • 2 x chance - if you applied and obtained the Mastercard card during the campaign period, and you made at least one cash withdrawal transaction or purchase until October 10th, 2017.
  • 1 x chance - every POS or online transaction with Idea :: business card during the campaign period gives you a chance to win.

More details and additional information about the "Travel with Idea:: business card" promotion can be found in the official campaign regulation available in the Useful for you section.


Full list of Mastercard campaigns is available here.

Useful information

Target audience, how to apply and who is eligible to request the card issuance

  • This card is for legal entities, self-employed people or social enterprises
  • To apply, you can either:
    • Fill in the online card application form.
    • Visit one of our branches
  • The card issuance will be requested online or in one of our branches by the legal representative of the legal entity. The card will be issued based on a card issuance form to be filled in at the bank.


Apply for Gold business debit card

We will get back to you in no time!