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

3D Secure enrollment

Online payments are safe with 3D Secure

3D Secure enrollment is very easy to do! You can find the steps below:

  • Go to the 3D Secure Activation link - here
  • Click Continue - you need your initial password (the first 2 digits of the CNP and the last 6 digits of your card)
  • Fill in the fields in the Authentication Preliminary Step and press the "Continue"
  • Fill in the data in the step Define the personal parameters for the "MasterCard® SecureCode ™" service and click the "Activate Now"


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!

Win with your card Mastercard from Idea::Bank when shopping at Mega Image!

Between 15th of May and 30th of June 2018, if you pay your shopping from Mega Image using your Idea::business gold card Mastercard or Maestro, send an SMS with the transaction value to 3718 or sign it up at along with the unique code you will received in Mega Image, you can win one of the campaign's awards:

  • Grand prize: a BMW i3;
  • Daily: one shopping cart from any Mega Image and Shop & Go store worth 250 lei

The rules and details of the campaign can be consulted on .


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!