Terms of use

Card provider fees and penalties. Fees and penalties that the card provider charges on the customer's cards are paid by the customer. The amount is taken from the Libicard account balance, and any shortfall from the card on which the fee or penalty arose (a small fee for a card operation is taken from that card first, then from the balance). If that is still not enough, the remainder is recorded as a debt: the account balance goes negative, and the next credit to the account repays the debt first, with the rest going to the balance. If the card could not be charged right away (for example, it is frozen), the debt for that fee or penalty will be taken from it once, later, when that becomes possible. Until the debt is repaid, issuing new cards and topping up cards are not available. This rule applies from 10 November 2026. The remainder of a card that was blocked other than through Libicard (for example, by the bank or the card provider) is from that time credited to the account automatically: it repays the debt first, with the rest going to the balance.

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