Your questions, answered.

A personal euro account with its own SEPA IBAN and the TreePlanters app, in every plan. A virtual Visa card is optional, for a one-time card fee, and brings the partner discounts with it.

No. TreePlanters offers a payment account, provided by Necoco Limited and issued by Paynetics AD, an electronic money institution licensed and supervised by the Bulgarian National Bank. You get your own SEPA IBAN, and your funds are held in safeguarding accounts, separate from the companies' own money.

Your account and your Visa card are provided by Necoco Limited and issued by Paynetics AD, an electronic money institution licensed and supervised by the Bulgarian National Bank, under licence from Visa Europe. TreePlanters AD provides the plans, the app and the Loyalty Programme.

Anyone with a bank or payment account in the SEPA area, which covers all of Europe's main economies. Share your IBAN, and transfers arrive directly in your TreePlanters account. Sending works the same way, to any SEPA account.

Your account receives SEPA transfers from any payer, including an employer. In some countries, however, the law or your employer may require a bank account for salary payments, so check with your employer first.

Yes, by plan: up to €30,000 a year on Standard, €100,000 on Advanced and €240,000 on Premium, counting all transactions in and out.

Euro.

A virtual Visa card, ordered inside the app for a one-time card fee. Pay online and in store with Apple Pay or Google Pay, use it for your online subscriptions, set your own limits and freeze it whenever you like. It also unlocks the partner discounts: offers from selected businesses, for TreePlanters cardholders.

No. Your Visa card is virtual and lives in the app. Use it online, and in store with Apple Pay or Google Pay.

From the app, once your account is approved. A one-time card fee applies, listed in the Fee Schedule.

Yes, wherever Visa is accepted. Payments outside the euro area may carry a fee, listed in the Fee Schedule.

Yes. Add it to your streaming, music and other online subscriptions, follow every charge in the app and freeze the card whenever you want.

Yes, instantly, from the app. Unfreeze it the same way.

Yes. Partner discounts are linked to your TreePlanters Visa card. Order the card from the app and the offers are available to you.

You order a new card from the app. Each card has its own one-time card fee.

iPhone (iOS) and Android. Download it from the App Store or Google Play.

With your password and a two-factor code from Google Authenticator. Nobody gets into your account with the password alone.

Your account lives in the app, but it goes wherever you go: log in from your computer and use it just the same.

Yes, at any time and at no extra cost. See "Can I change my plan?" under Plans and fees.

Your account and the app, every month, with no hidden charges. As with any payment account, a one-time fee of €7 applies when your account opens, and standard fees apply to certain services, such as some transfers and ATM withdrawals. Everything is listed in the Fee Schedule, so you always know what you pay. The trees are a gift under the TreePlanters Loyalty Programme and are not something you pay for.

Currently, no free plan is available. Keep an eye on our Plans page for new plans and offers.

The main differences are the annual transaction limit and the level of your Loyalty Programme. Your account, the app and the optional Visa card come with every plan. See the Plans page for the details.

Yes, at any time from the app, at no extra cost. To move to a lower plan, your account needs to be fully paid up first.

We simply try again on the next two payment runs: the 5th of the following month and then the 27th. Top up your account before then and the month is settled. If fees stay unpaid for more than three consecutive months, your account is reviewed for closure.

As with any payment account, there are fees for certain services, such as transfers, card use and transactions above certain amounts. All of them are listed clearly in our Fee Schedule, so nothing comes as a surprise.

Trees, bought in your name from our Tree Management Partner, every 12 months you are with us.

Keep your plan active for 12 consecutive months. That is the only condition.

Trees in your name, according to your plan. See the details on the Offers page.

No. The trees are a gift under the TreePlanters Loyalty Programme. Your monthly fee covers your account and the app.

No. The gift is linked to completing 12 consecutive active months, not to individual payments.

After the 12-month cycle is complete. Then our Tree Management Partner gets in touch with you to introduce you to your trees.

With our Tree Management Partner, who will tell you more when they contact you. The exact location is not published, to protect the plantation.

The trees for that cycle are counted in proportion to the months you spend on each plan, rounded down to a whole tree.

Trees from any completed cycle are yours and stay in your name. A cycle in progress ends with the account.

Yes. The app shows your months and the trees waiting at month 12.

Log in to the Member Login, accept the Referral Programme Terms and share your link. When a friend opens an account through it, verifies their identity and activates a plan, you receive a referral bonus every month their plan stays active. You can follow your referrals in the Member Login.

Monthly, into your TreePlanters account, as long as your friend's plan stays active and in good standing.

Open your friend's link first and download the app from there, so the referral is registered to them. Then follow the steps to open your account.

No, you can refer as many friends as you like.

No. You receive a bonus for the friends you introduce, not for anyone they introduce.