— Personal Banking
Debit & Credit Cards.
The card you hand over, not the one you shuffle.
— Personal Banking
The card you hand over, not the one you shuffle.
— Tiers
Steel · Gold · Black
— Concierge
24/7 (Black)
— FX margin
0.00% on Black
— Insurance
Travel + purchase
— Overview
Three card tiers — Steel, Gold, and Black. Each metal-pressed, contactless, and accompanied by 24/7 concierge and travel insurance from a private medical-evacuation policy.
— Features
Brushed-steel core with carbon edge on Black tier. Recognisably weighty in the hand. Every card is hand-finished in Switzerland.
Restaurant, travel, gifting, and last-minute medical-introduction services for Black cardholders. Real people, on a Praha desk, available 24/7.
Travel medical, trip cancellation, purchase protection, and rental-vehicle excess waiver bundled. Underwritten by a top-3 European insurer.
— Three tiers
Pick the card that matches the rest of your relationship. You can hold multiple tiers across primary and supplementary cardholders, with separate limits per card.
Open an account →Steel
Debit · €0/yr
•••• 0034
Gold
Credit · €180/yr
•••• 7711
Black
Credit · €950/yr
•••• 4290
— Process
Step 01
Choose
Pick a tier. Existing clients can do this in the dashboard. New clients tell us at onboarding.
Step 02
Personalise
Embossing, supplementary cards, and travel-insurance beneficiaries set up in one form.
Step 03
Receive
Cards dispatched within 3 business days, signed-for delivery, secure tear-out PIN.
Step 04
Use
Tap-and-go on day one. Concierge available immediately for Black cardholders.
— Key facts
All headline terms shown here. Indicative pricing — your dedicated banker will confirm exact figures based on your relationship and the structure agreed.
Regulated by the Czech National Bank.
Member of EU Deposit Guarantee Scheme.
| Steel debit | €0 / yr · free with checking |
| Gold credit | €180 / yr · 1% cashback |
| Black credit | €950 / yr · 2% cashback + concierge |
| FX margin | 0.00% on Black · 0.50% on Gold |
| Travel insurance | Up to €5m (Black) |
| Concierge | 24/7 (Black) · 9–21 (Gold) |
"We came to Diavulcan in 1996 after our Swiss bank lost track of who we were. Three banks have tried to win us back since. None has come close. The same banker still answers the same line."
— Mr. P. Janáček
Client since 1996 · Praha
— Questions
Can I hold multiple cards?
Yes. You can hold Steel, Gold, and Black simultaneously, plus supplementary cards for spouse and children with separate limits.
Are these Visa or Mastercard?
Mastercard World Elite for Gold and Black; Mastercard Standard Debit for Steel.
Do you support Apple Pay and Google Pay?
Yes, all three tiers, on day one of card delivery.
Is there foreign-transaction fee?
0.00% on Black; 0.50% on Gold; 1.50% on Steel — all materially below market average.
Can I freeze the card from the app?
Yes — instant freeze, instant unfreeze. Dispute or report-lost workflow available 24/7 in the dashboard.
Have a question we did not answer? Message your banker or write to us directly.
— Related
— Begin
A short conversation is the fastest way to understand whether debit & credit cards are the right structure for you. We reply within two business days — usually the same day.