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

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!