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See what reviewers are saying

Rated 1 out of 5 stars

frivolous platform I submitted all the documents, trying to register. They replied that everything is fine with me, but they do not want to open an account for me without a reason. Conclusion: they... See more

Rated 4 out of 5 stars

Easy onboarding with multiple verification methods, such as BankID or passport/ID verification. The app is user-friendly and not complicated to use at all. Basically no fees and most importantly no FX... See more

Company replied

Rated 1 out of 5 stars

After I made deposit they have blocked account and giving no deadlines for refund. Almost 1 year already past and they still do not know when they proceed with refund. I was forced to apply for a char... See more

Company replied

Rated 5 out of 5 stars

Great Product, easy to use and excellent support. I've had Incharge for more than 6 months now and it became my main payment solution for all transactions including using the card. Always had i... See more

Company replied

Company details

  1. Non-Bank Financial Service
  2. Financial Institution
  3. Money Transfer Service

Written by the company

INCHARGE was founded in Stockholm, Sweden, by a group of people who shared one thing in common: we all originated from different parts of the world. And we all, at one point in our lives, felt like strangers in a foreign land. That’s why, when we started INCHARGE, we didn’t just start a payments company. We began on a mission: to make the world feel like home. No matter where you are. No matter where you come from. And we want to accomplish this by making payments — both domestic and global — as simple and as easy as possible. It’s our way of making the world feel a little more connected. And a little bit smaller. So that strangers who come from abroad might not seem so strange. And foreigners might not seem so foreign.


Contact info

2.2

Poor

TrustScore 2 out of 5

47 reviews

5-star
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1-star

Hasn’t replied to negative reviews

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See how their reviews and ratings are sourced, scored, and moderated.

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Rated 1 out of 5 stars

frivolous platform

frivolous platform

I submitted all the documents, trying to register. They replied that everything is fine with me, but they do not want to open an account for me without a reason. Conclusion: they just collect data about people and then do not be surprised that you receive spam messages from who knows who. When I asked why I was denied an account, I did not receive an intelligible satisfactory answer. Do not waste your time trying to open an account with them. You will lose time and nerves. Not a serious platform

January 12, 2025
Unprompted review
Rated 1 out of 5 stars

Stay away from this company

Stay away from this company. Scammers all the way. They have been holding my girlfriends deposits now for 5 days, without responds or resolving the issue.

December 13, 2024
Unprompted review
Rated 1 out of 5 stars

I’ve had issues my account has 4.8k€…and they don’t sendout the remaining balance!

I’ve had issues my account has 4.8k€ remaining balance that has to be sent out because they permanently blocked my account!

After providing the details aka the account where the money should be landing they started to say “Our financial team is very busy regarding requests” we will do our best 🤦‍♂️😂…

Okey fine, after awaiting whole week still haven’t got any funds transfered to my account and in the end i would assume that they are joking in the office and doing nothing to just fix and payout remaining balance!

And also if u have any case like i do, i recommend contact “Intergiro” their payment provider to get their attention that their project who’s hosting payments etc is not willing to go by their own “Terms and conditions” and also their AML is made my them which they do not follow also, so guys consider leaving that bank if u had some problems report to authorities.

July 19, 2024
Unprompted review
Rated 1 out of 5 stars

These absolute ****-heads..

These absolute ****-heads talk about having a service that people can use to send money to each other and after i sent my first transaction. My account got frozen and it has not been unlocked now for 5 whole days.

The chat tells me their finance department are not done with something?
This is AFTER they told me that my account review was absolutely fine and will be unlocked in 50 hours, something which never happened. I honestly think the chat team and the finance team are sitting in a 15 square basement next to each other on windows 98 drinking from the same cans.

No number to call either, post this review on your site instead of your fake ones written by yourself.

July 11, 2024
Unprompted review
Rated 4 out of 5 stars

Had not received top-up in account

I had topped up my account through instant bank transfer on Saturday with €500 and had not received it, while it should have been in my account immediately, which was quite frustrating.
Have gotten a response the next business day that it was caused by a bug in the system and Clara arranged for the funds to be deposited into my account within a few minutes. I am glad that they have helped me in resolving the issue quickly.

May 18, 2024
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Thank you for bringing this to our attention and for your patience. We're glad everything is resolved now. If there's anything else we can help with, please let us know. 😊

Rated 1 out of 5 stars

This is the worst experience ever.

This is the worst experience ever.
I made a transfer to my partner to carry out some work in our house and provide for our child.
It's been several weeks since the bank called INCHARGE-CARD blocked the bank account and the funds and refuses to return my funds to the issuing account despite my bank's request.

I would like everyone who has an account blocked with their funds to write to me with their contacts so that together we can take this case to court and ask for this bank to be closed.

I can't understand this abuse of power and I refuse to be silenced while our money is in their pockets.

This attitude of arbitrarily blocking accounts has to stop, because for an account to be blocked, they ask for a CV to check the person's skin colour, and I say no to racial discrimination.

I urge you to close your account with this bank.

I am waiting for your information so that I can complete my application to close this bank.

To avoid this, please return the funds to my issuer account

+++++

Cela est l'expérience la plus pire qu'il soit.
J'ai émis diffèrent le virement à ma compagne pour réaliser certains travaux dans notre maison et subvenir au soin de notre enfant.
Cela fait plusieurs semaines que la banque nommée INCHARGE-CARD a bloqué le compte bancaire ainsi que les fonds et refuses de retourner mes fonds sur comptes émetteurs malgré la demande de ma banque.

Je voudrais que tous ceux qui ont un compte bloqué avec leurs fonds puissent m'écrire leurs contacts pour qu'ensemble nous portions cette affaire devant le tribunal et demander la fermeture de cette banque.

Car je ne conçois pas cet abus de pouvoir et je refuse que nous soyons terrés dans le silence pendant que nos fonds sont dans leurs poches.

Faudrait que cette attitude de bloqué les comptes de manière arbitraires puisse s'arrêter, car pour un compte bloqué, l'on lui demande un CV pour vérifier sa couleur de peau, et ça, je dis non à la discrimination raciale.

Je vous exhorte a clôturer votre compte à cette banque.

Je reste en attente de vos informations pour compléter mes dossiers à la demande de fermeture de cette banque.

Pour éviter veuillez retourner les fonds sur mon compte émetteur
+++++

Det här är den värsta upplevelsen någonsin.
Jag gjorde en överföring till min partner för att göra lite arbete på vårt hus och för att ta hand om vårt barn.
Det har gått flera veckor sedan banken som heter INCHARGE-CARD blockerade bankkontot och pengarna och vägrar att återföra mina pengar till de utgivande kontona trots min banks begäran.

Jag skulle vilja att alla som har ett konto blockerat med sina medel skriver till mig med sina kontakter så att vi tillsammans kan ta detta fall till domstol och begära att denna bank stängs.

Jag kan inte förstå detta maktmissbruk och jag vägrar att låta mig tystas medan våra pengar hamnar i deras fickor.

Denna attityd att godtyckligt blockera konton måste upphöra, för för att ett konto ska blockeras ber de om ett CV för att kontrollera personens hudfärg, och jag säger nej till rasdiskriminering.

Jag uppmanar er att avsluta ert konto hos denna bank.

Jag väntar på er information så att jag kan slutföra min ansökan om att stänga denna bank.

För att undvika detta, vänligen återför pengarna till mitt utgivarkonto

+++++

Essa é a pior experiência de todas.
Fiz uma transferência para meu parceiro para fazer algumas obras em nossa casa e cuidar de nosso filho.
Já se passaram várias semanas desde que o banco chamado INCHARGE-CARD bloqueou a conta bancária e os fundos e se recusa a devolver meus fundos às contas emissoras, apesar da solicitação do meu banco.

Gostaria que todos os que têm uma conta com seus fundos bloqueados me escrevessem com seus contatos para que, juntos, possamos levar esse caso ao tribunal e pedir o fechamento desse banco.

Não consigo entender esse abuso de poder e me recuso a ser silenciado enquanto nosso dinheiro estiver nos bolsos deles.

Essa atitude de bloquear contas arbitrariamente tem de acabar, pois para que uma conta seja bloqueada, eles pedem um currículo para verificar a cor da pele da pessoa, e eu digo não à discriminação racial.

Peço que encerre sua conta nesse banco.

Estou aguardando suas informações para que eu possa concluir minha solicitação de encerramento desse banco.

Para evitar isso, devolva os fundos para minha conta do emissor

March 24, 2024
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Hello Nadine,

We understand your frustration and would like to apologize for the inconvenience caused. However, please note that in order to ensure compliance with antifraud and anti-money laundering (AML) regulations and to protect our customers’ funds, we sometimes need to block accounts and/or hold funds. These procedures are applied uniformly to all customers based on risk assessments. We can’t reveal details about individual cases due to data protection laws, but some accounts that violate our Terms and Conditions must legally be disabled, in line with our internal policies and EU regulations.

If you’d like more information, please do reach out to our support through our app or by writing to: support@inchargecard.com

Thanks for your understanding.

Best,
Incharge Team

Rated 1 out of 5 stars

Cette banque nommée INCHARGE card est…

Cette banque nommée INCHARGE card est une arnaque, j'y ai reçu un virement de mon compagnon qui en déplacement pour la renovation de notre maison, les fonds sont bloqué depuis plusieurs jours et sans réponse et le service client ne répond plus a mes messages.

J'aimerais que l'on porte une pétition pour le remboursement de nos fonds et la fermeture de cette arnaque pour ne pas que d'autre utilisateurs puisse avoir tombé dans le piège.

+++++++++++++++++++++++++++++++++

This bank, called INCHARGE card, is a scam. I received a transfer from my partner, who was out of town to build our house, but the funds have been blocked for several days with no response, and customer service has stopped answering my messages.

I'd like to start a petition for the reimbursement of our funds and the closure of this scam so that other users don't fall into the trap.

March 25, 2024
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Dear Belinda,

It appears your information is inaccurate. Let us kindly explain that your large withdrawal was put on hold, as we require information of proof of source of funds, just as any financial institution in Europe would. This is in order to comply with EU AML regulations.

You can reach out to our team from the app and we will be more than happy to help you 😊

Regards,
INCHARGE Team

Rated 1 out of 5 stars

Be aware of Incharge "service" scammers

Today i made a transfer to my mother and they suddenly blocked/freezed our funds sent to my family. I now must suddenly find a proof or explanation/clarification about how do i know my wife and my mother and why i have used my incharge card in Mozambique. They are insane. I will never again rely or trust this scam Incharge "service" and i do not recommend to others. If they refuse to return our money then we are forced to make a police report. This is not acceptable how they one day can steal your money. Be aware! Do not trust Incharge!

February 12, 2024
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Hello Robert 👋

We're genuinely sorry for the inconvenience you encountered with our service. Ensuring the security of all transactions is our top priority, which occasionally necessitates additional verification steps. We understand the frustration this may have caused and sincerely appreciate your patience throughout the process.

We're relieved the issue was swiftly resolved, and your funds were returned without delay. Your feedback is incredibly valuable to us, and we're committed to using it to enhance our services. Should you require further assistance, please don't hesitate to reach out. 😊

Rated 1 out of 5 stars

Horrible experience

Horrible experience. My funds have been frozen for more than half a year and they have provided no real update on the process. I have shared all the documents I had with them.

January 25, 2024
Unprompted review
Rated 5 out of 5 stars

Best App

I've been using Incharge for over a year now, and it's completely changed the way I send money, especially when splitting bills with friends. The app's simplicity is something I really appreciate, and the absence of hidden fees is a huge relief. The Incharge card is free, and the team is so nice and helpful.

November 28, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Awesome to hear! We're delighted that Incharge has made sending money and splitting bills easier for you. Thanks for your loyalty over the past year! 😊🌟

Rated 5 out of 5 stars

Simple transfers

Simple transactions - made my life easier when sending/receiving money

October 11, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Glad to hear that! Simplifying transactions is what we're all about. 😊💸

Rated 5 out of 5 stars

Great Product

Great Product, easy to use and excellent support.

I've had Incharge for more than 6 months now and it became my main payment solution for all transactions including using the card.

Always had issues with payments from my country and tried to use popular digital banks but all seem to have too many steps to move forward.

November 7, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Thanks for the positive feedback! We're glad Incharge works smoothly for your transactions. 😊🌟

Rated 5 out of 5 stars

Super accessible, easy to use!

I like that the app is really simple to use and my transactions are always easily accessible, it has a satisfying layout as well. It has also been very useful to have the card when I travel.

November 19, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

We're delighted that you find Incharge user-friendly and accessible! The app's layout and travel-friendly card have been designed with your convenience in mind. Thank you for being part of the Incharge community! 😊

Rated 5 out of 5 stars

Super convenient app

Super convenient app. It is fast and transfers to other INCHARGE accounts are instant. Big plus point that they do not charge any FX or additional costs. I make all my online purchases with it. They have added Apple Pay as well, which makes very easy to use on a day to day basis, you can also use the physical card they send to you.

September 9, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Thank you for your fantastic review! We're thrilled that you find Incharge super convenient and appreciate our commitment to no hidden costs. The addition of Apple Pay aims to make your day-to-day transactions even more seamless. Your trust in using Incharge for all your online purchases means a lot to us! 🌟

Rated 5 out of 5 stars

Really easy and smooth onboarding…

Really easy and smooth onboarding process. Easy to top up my account instantly with Cards and Open Banking. I also really like that I can use it on Apple Pay and the customer support is really quick to reply. It would be nice to have a SEK account.

November 16, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

We're delighted to know your onboarding experience was smooth! Quick responses and seamless top-ups are what we aim for. While we don't have a SEK account yet, your feedback is duly noted.

Rated 5 out of 5 stars

One year in Incharge

I have used Incharge since last year mainly to send money to friends, I also use it to pay with cards when I am abroad and the services have been good in Europe and when I travel to Southamerica. When I had a question regarding virtual cards the customer support that replied fast and I can see they are adding more services to offer. I like the style and the webpage.

August 30, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Fantastic to hear you've had a great year with Incharge! Whether it's sending money or using virtual cards, we're here to meet your needs. Stay tuned for more exciting services coming your way!

Rated 5 out of 5 stars

Good things can be for free

Good things can be for free

Incharge is a great and simple banking app.

You get everything you need completely free of charge.
Of couse it has proper regulations, they have asked me to provide proof of source of funds twice in 18 months, but this is something usual for me coming from swedish banks.

App is simple, efficient and fun.

November 1, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

We appreciate your kind words! At Incharge, we believe in providing valuable services without the hefty price tag. Your satisfaction is our priority 😊.

Rated 5 out of 5 stars

Thanks for a great service

Thanks for a great service, perfect for me, simple and free. Top-up via crypto, -love it!

November 20, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Thanks for your positive feedback! We're thrilled to hear you find Incharge simple and efficient 🚀. Offering crypto top-ups is just one way we strive to make your experience top-notch.

Rated 5 out of 5 stars

very fast app

very fast app, easy to send + receive money, works very well with Apple Pay too.

November 16, 2023
Unprompted review
INCHARGE Card logo

Reply from INCHARGE Card

Thank you for sharing your experience! We are delighted to hear you are enjoying the app. 😊

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