Card registration in our app is free of charge. According to Spark Terms of Use, due to security reasons, in the registration process each card is temporarily charged with an amount no higher than 1 PLN. This amount is immediately re-charged back when the card is successfully registered. As this process is bank-dependent, it may take up to 3 working days to receive the money back.   Such card registration process is compliant with all the formal requirements of EU directive PSD2 (Payment Services Directive 2).