How to apply for business account - Step-by-Step Guide

Please note: opening a personal (B2C) account is mandatory before starting the business application. Open your personal account in the ;blackcat app

Step 0. Log in to your Personal Account and start the Business Application

What to do:

• Log in to your personal ;blackcat account using desktop and the link: https://desktop.blackcatcard.com/login
• In the left-side menu, click Open business account.

Important:

• Business accounts are opened only from an existing personal account.
• If you do not have a personal account yet, complete B2C registration first.
• Business onboarding is not supported on mobile — desktop only.

Step 1. Select Your Role in the Company

How to choose:

• OWNER — you are a beneficial owner (UBO).
• DIRECTOR — you are a company director, not necessarily a shareholder.
• PROXY — you act on behalf of the company under a Power of Attorney.

Important:

• If you are both Owner and Director, select OWNER.
• Selecting PROXY requires uploading a valid Power of Attorney later.

Step 2. Confirm Your Phone Number (KYC Link)

What to do:

• Enter your mobile phone number.
• Receive the SMS code.
• Enter the code and click Next.

Why this step matters:

• This links your personal KYC with the business application.
• No repeated identity verification is required later.

Important:

• Use the same phone number as in your personal account.
• Numbers must be entered using digits only.

Common mistakes:

• Using a different phone number.
• Entering symbols or spaces.
• Refreshing the page instead of requesting a new SMS.

Step 3. Select company type and licensing status

What you see:

• Section Company type in the Business Account application.
• Fields to define the legal form of the company and its licensing status.

What you need to do:

1. Select company type

• Choose the legal form of your company from the dropdown list
• The selected type must match your registration documents.

2. Enter full official company name

• Enter the complete legal name of the company.
• The name must be identical to the name stated in the Certificate of Incorporation / Extract.
• Do not use abbreviations or trading names.

3 . Specify whether the company activity is licensed

4 . Select one of the following options:

• Yes

Choose this if your business activity is licensed and the licence has already been issued (e.g. financial services, gambling, crypto, etc.).

• No, not required

Choose this if your type of business does not require a licence in the country of operation.

• No, but licence is required

Choose this if a licence is required for your activity but has not yet been obtained.

What is important:

• Your answer here directly affects the compliance review.
• Incorrect selection may result in additional questions or delays.
• If a licence is required, supporting documents or explanations may be requested later.

Common mistakes:

• Selecting “No, not required” when the activity is regulated.
• Using a brand or commercial name instead of the legal company name.
• Choosing a company type that does not match registration documents. After completing this step:
• Click Next to continue to the following section.

Step 4. Select Economic Activities

What you see:

Section Economic activities in the Business Account application.

What you need to do:

1 . Select Group

• First, choose the main business Group from the dropdown.
• The Group defines the high-level industry your company operates in.

2 . Select Categories & Types

• After selecting the Group, choose the relevant Categories & Types.
• Available categories depend on the previously selected Group. 3 . Add additional activities (if applicable)
• If your company operates in more than one activity, click + Add.
• Repeat the same flow: select Group first, then Categories & Types.

What is important:

• Group must always be selected first — Categories cannot be chosen without it.
• Selected activities must reflect the real business model of the company.
• The chosen activities directly affect compliance review and risk assessment.

Common mistakes:

• Trying to select Categories before choosing a Group.
• Selecting overly broad or unrelated activities.
• Adding activities that are not mentioned in company documents or website.

After completing this step: Click Next to continue with the application.

Step 5. Fill in Company Information

You must complete all company details:

Required fields:

• Capital amount
• Date of registration or incorporation
• • Select the date using the calendar icon.
• Registration number
• Country of registration
• Company e-mail
• Company phone number
• TIN or equivalent
• • If unavailable, check Country does not issue TIN.
• Partner countries
• Potential turnover

Important:

• All data must match official company documents.
• Dates cannot be typed manually — use the calendar.
• Provide realistic turnover and countries of operation.

Common mistakes:

• Using personal e-mail instead of company e-mail.
• Incorrect registration date.
• Understating business activity “to be safe”.

Step 6. Enter Registered and Business Addresses

Registered address

Fill exactly as stated in company documents:

• Country
• City
• Postal code
• Street
• House number
• Office / apartment (if applicable)

Business address

• If the business address is the same, check Same as registered address.
• If different, fill it manually.

Important:

• Address mismatch is one of the most common compliance delays.
• Virtual offices must be entered exactly as registered.

Step 7. Add Director Information

For each director, provide:

Personal details:

• Name and surname (as in passport)
• Country of birth
• Date of birth (via calendar)
• Citizenship
• Phone number
• Personal e-mail

Address details:

• Country
• City
• Postal code
• Street
• House number / office

If there are multiple directors:

• Click + Add and complete details for each one.

Important:

• Even if you are the Owner, you must add yourself as Director if applicable.
• All directors listed in company documents must be added.

Common mistakes:

• Abbreviated names.
• Missing second director.
• Using corporate instead of personal e-mail.

Step 8. Upload Company Documents and Submit

Click + Add and upload all relevant documents.

Typically required:

• Certificate of Incorporation / Company Extract
• Articles / Memorandum of Association
• Shareholder register
• Ownership structure
• Director and UBO documents (if requested)
• Power of Attorney (if Proxy selected)

Technical requirements:

• Max file size: 35 MB
• Supported formats:
• • .jpeg, .jpg, .png, .pdf, .doc, .docx, .zip, .7z, .rar

Best practice:

• Use clear file names
• • (e.g. Certificate_of_Incorporation.pdf).
• Upload readable scans, no cropped edges.

After uploading:

• Click Submit.

Step 9. Application Submitted

You will see:

“Your application is being processed…”

What this means:

• Your business application has been successfully submitted.
• Compliance review is in progress.

What happens next:

• Review time depends on company structure and jurisdiction.
• You may be contacted by e-mail for clarifications or additional documents.
• Once approved, the business account will appear in your interface.

Important:

• Do not re-submit the application.
• No need to contact support on day one.
• If there is no update after several business days, a polite follow-up is acceptable.

Memo

• Accuracy and document consistency significantly reduce review time.
• Most delays come from incorrect roles, addresses, or missing documents.