Ways to make a payment to Biosphere Expeditions

1. Bank to bank transfer

If you have an account in the Eurozone, this is the easiest option. Just transfer money into our bank account as below*. If your account is not inside the Eurozone, you can of course still use our bank details below* to make an international transfer, but be aware that traditional banks often make mistakes, transfer the wrong amount, levy obscene charges and offer very bad exchange rates. We therefore recommend option 2 for those outside the Eurozone. If you still want to go down the bank to bank transfer route, then please make sure that all charges are to your account and that your bank sends the full amount outstanding in EUR, not your local currency.

2. Payment by card or bank account via Transferwise.com

You can use your credit/debit card or a bank account with this service, as well as (depending on your country/currency) ApplePay, GiroPay, SofortBanking, etc. The service gives good exchange rates and ensures that we receive exactly the right amount without any of the very high charges that banks often levy at your or our expense. All you need to do is log onto www.transferwise.com, create an account, specify the amount you want to send to us in EUR, pick your own currency and then proceed. You can then pay via your bank account or card (note there are limits on card transfers depending on your country and card). Other payment methods are also possible and depend your country/currency (see the overview of accepted currencies and payment methods). The account you need to specify for us to receive payment into is as below*. And if you use this link, your first transfer is free.

3. Card payment

Bank transfer and Transferwise are our preferred options, but you can also pay by card (as you can with Transferwise) directly. To do this, simply enter your card details as requested on the expedition joining form or on www.biosphere-expeditions.org/pay. Note that each card transaction will incur a fee, which will be charged to your card by our system, and that fees vary widely (up to 4%) depending on the type of card. Note also that if you have paid by card before (e.g. a deposit), you can simply e-mail us to authorise charging your card again (e.g. for the expedition contribution balance), provided of course your card is still valid.

*Our bank account details

Our bank account name and number is Biosphere Expeditions, IBAN DE90700111106050477914. This is all you need for a Eurozone transfer. For international transfers from outside the Eurozone, your bank may ask for any combination of (a) the account's SWIFT/BIC code, which is DEKTDE7GXXX, (b) our Irish HQ address, which is Biosphere Expeditions, The Black Church, St Mary’s Place, Dublin D07 P4AX, Ireland and (c) our bank address, which is Deutsche Handelsbank, Suedliche Muenchner Str. 2, 82031 Gruenwald, Germany. [Note that this is an internet bank in Germany that holds the account for our Irish HQ. Also note that our account has a SWIFT/BIC and an IBAN code, which means that a National Clearing Code (NCC), also known as Routing Code, is not required].

Any problems or questions?

Please just contact us via info@biosphere-expeditions.org or one of our offices.

Note that in our experience it appears to be mainly North American banks, who are either overly cautious or sometimes incompetent and whose systems often seem incompatible with Eurozone banking, that cause problems. We have had anything from banks saying we are listed on their systems as cobblers (?!) to telling their customers we are frauds (with no evidence whatsoever). If this applies to you, please get in touch.

If your card is declined

If you tried to pay by card and your payment was declined, please read on for possible reasons and solutions.

♦ Your card issuer has determined the transaction is outside your normal buying pattern and has placed a security decline on the system. Contact your card issuer to have any restrictions removed and then try again via www.biosphere-expeditions.org/pay or e-mail us and we can try for you. This is the reason for the vast majority of declines and easily fixed by talking to your card issuer.

♦ You may have mistakenly entered an invalid expiration date or card number. Please resubmit the order via www.biosphere-expeditions.org/pay and ensure that the correct expiration date and card number has been provided.

♦ You may have exceeded your credit limit. Remember that it can take up to 10 working days from when your card issuer received its last payment from you until it credits your account. For that reason, you may not be able to make any additional charges to that account until your recent payment is posted with them.

♦ It may be that your bank is not allowing your account to be charged for internet transactions, or for transactions from Ireland or in Euros (these are the currency we charge in and the country we charge from). You may have in fact purchased on the internet in the past, but the vendor may not have an official internet credit card merchant account, as we do, so your card issuer was unaware it was an internet purchase. Please check with your card issuer concerning this recent order, stating that it is an internet transaction.

If none of the above help, alternative payment options are detailed above.