Your cards, your rules.
Each card spends only the balance you assign to it — keep your budget and don't overspend. Built for Brazilian businesses.
From balance to spend, with no month-end bill.
Three steps. No revolving credit, no surprises.
As many cards as the operation needs.
No monthly fee. Issue one card per team, vendor or project — each with its own balance.
Own PIN and lock.
Every card has a 4-digit PIN and instant block or unblock.
Delete any time.
Cancel a card and the balance flows back to your account automatically.
Control your budget.
Add and withdraw funds at any time.
Global acceptance.
Mastercard network: buy on any site or store that takes credit, in any currency.
Premium experience, at no extra cost*
- *Fee waived by volume — hit your monthly exchange target and the Black fee drops to zero, automatically.
- VIP airport lounges — walk into partner lounges worldwide, included with an active Black card.
- Basic has no fee — the free tier never charges a monthly fee — upgrade to Black only when the perks earn their keep.
Fee waived while you keep the volume up.
Full control, from the first spend to the last.
All self-service — no calling the bank.
Instant block.
Block and unblock the card on the spot, as many times as you need.
Reissue without losing balance.
Lost or compromised card? Reissue while keeping the loaded balance.
Cancel returns the balance.
When you cancel, the balance flows automatically back to your account.
Full details, on demand.
Reveal the card number, expiry and CVV whenever you need them, protected by your PIN.
4-digit PIN.
Set and change the card PIN whenever you want.
Email Notifications.
Add collaborator emails to receive alerts on every transaction.
Tap to pay from your phone.
Add the card to Google Pay or Apple Pay and tap to pay anywhere contactless is accepted.
- Add to Google Pay & Apple Pay
- Contactless tap‑to-pay
- Online purchases with protected data
Frequently asked questions.
What to know before you request yours.
No. Each card spends only the balance you assign to it (guaranteed balance): when that balance runs out, the card stops. There’s no credit line to exceed and nothing to settle at month-end.
Purchases run on the Mastercard credit network, so the card works wherever credit is accepted. The amount comes out of the balance you loaded — there’s no statement and nothing to pay back.
For now, Brazilian companies (CNPJ) with an IKKB account. Verification happens during onboarding.
You load the card from your BRL or USD balances on IKKB.
Black cards have a monthly fee that is waived automatically once your company reaches its exchange volume target on IKKB. If volume drops, you’re warned before any charge.
Block it instantly from the app or dashboard and reissue while keeping the balance. When you cancel for good, the balance returns to your account.
Ready for a card with no debt?
Open your IKKB account and issue your first virtual card in minutes.