The operating voltage of the majority of SIM cards launched before 1998 was 5 V. SIM cards produced subsequently are compatible with 3 V and 5 V. Modern cards support 5 V, 3 V and 1.8 V.

Modern SIM cards allow applications to load when the SIM is in use by the subscriber. These applications communicate with the handset or a server using SIM Application Toolkit, which was initially specified by 3GPP in TS 11.14. (There is an identical ETSI specification with