Personal Accounts with IBAN Offered by E-Money Institutions

Electronic money institutions offer accounts with personal IBAN to private individuals. Such accounts provide more flexibility and involve less costs than traditional bank accounts, in particular:

  • Accounts can be opened online; supporting documents are submitted online, authentication is also performed online.
  • Accounts fees depend on an individual's risk level, assigned based on the country of residence.
  • Accounts are usually multi-currency, allowing to have funds in different currencies within one account.
  • Although accounts are uniquely identified within the EMI, personal IBANs (as well as other account numbers) can be assigned to account balances in various currencies.
  • Personal IBANs are used in certain payment transactions, usually in SEPA payments, some EMIs have started offering usage of personal IBANs for SWIFT payments. In other payment transactions the EMI's banking details are used.
  • Transfer fees are usually lower than offered by banks.
  • Payment cards can be ordered together with the account.

Product Name
ePayments e-Wallet (GB IBAN)
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR, USD, RUB
Currency
ePayments e-Wallet is a multi-currency account, allowing the account holder to have funds in EUR, USD, RUB.
Payment Cards
ePayments Personal Card (MasterCard) can be ordered together with ePayments e-Wallet. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • can be used for EUR balances only
  • appears automatically for EUR balances
IBAN Countries
Personal IBANs assigned to ePayments e-Wallet belong to the United Kingdom.
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • other transfers
Pricing Plans
ePayments e-Wallet is offered with a single pricing plan for all customers.
ePayments e-Wallet

offered to: all countries

Monthly Fee 2.50 EUR
SEPA Outgoing 0.50 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 15.00 EUR
SWIFT Incoming 0.00 EUR
Product Name
Current Account (LT IBAN)
EU
non-EU
Customer Groups
  • EU residents
  • non-EU residents
Payment Cards
physical
virtual
Currency
EUR, USD, GBP
and 26 more
Currency
Current Account is a multi-currency account, allowing the account holder to have funds in EUR, USD, GBP, HKD, CNY, RUB, DKK, PLN, CZK, NOK, SEK, AUD, CHF, JPY, AED, CAD, HUF, RON, BGN, TRY, KZT, NZD, INR, ILS, MXN, ZAR, SGD, BYN, THB.
Payment Cards
IBS Personal Card (MasterCard) can be ordered together with Current Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
IBAN Countries
Personal IBANs assigned to Current Account belong to Lithuania.
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • other transfers
Pricing Plans
Current Account is offered with several pricing plans for different customer groups, namely EU, non-EU.
EU

offered to: EU residents

Initial Fee 0.00 EUR
Monthly Fee 5.00 EUR
Closing Fee 0.00 EUR
SEPA Outgoing 1.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 30.00 EUR
SWIFT Incoming 5.00 EUR
non-EU

offered to: non-EU residents

Initial Fee 50.00 EUR
Monthly Fee 30.00 EUR
Closing Fee 0.00 EUR
SEPA Outgoing 5.00 EUR
SEPA Incoming 2.00 EUR
SWIFT Outgoing 50.00 EUR
SWIFT Incoming 10.00 EUR
Product Name
Checking Account (LT IBAN)
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR, USD, RUB
and 26 more
Currency
Checking Account is a multi-currency account, allowing the account holder to have funds in EUR, USD, RUB, DKK, PLN, NOK, SEK, CZK, AUD, CHF, JPY, CAD, HUF, RON, BGN, GEL, TRY, CNY, KZT, NZD, HKD, INR, ILS, MXN, ZAR, RSD, SGD, BYN, THB.
Payment Cards
Paysera Debit Card (Visa) can be ordered together with Checking Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
IBAN Countries
Personal IBANs assigned to Checking Account belong to Lithuania.
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • urgent SEPA transfers
  • other transfers
Pricing Plans
Checking Account is offered with a single pricing plan for all customers.
Checking Account

offered to: all countries

Free transfers between Paysera users
Favourable exchange rates
Global local and international transfers
Instant transfers (SEPA Instant)

Initial Fee 0.00 EUR
Monthly Fee 0.00 EUR
SEPA Outgoing 0.00 EUR
SWIFT Outgoing 7.00 EUR
Product Name
Monese Current Account (GB IBAN)
Starter
Plus
Premium
Customer Groups
  • EEA residents
Payment Cards
physical
virtual
Currency
EUR, GBP
Currency
Monese Current Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP.
Payment Cards
A payment card can be ordered together with Monese Current Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances
IBAN Countries
Personal IBANs assigned to Monese Current Account belong to the United Kingdom.
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • other transfers
Pricing Plans
Monese Current Account is offered with several pricing plans for different customer groups, namely Starter, Plus, Premium.
Starter

offered to: EEA residents

A full current account for no monthly cost
Free contactless card
Fees apply to some top-ups and transfers

Initial Fee 0.00 EUR
Monthly Fee 0.00 EUR
Closing Fee 0.00 EUR
SEPA Outgoing 0.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 0.00 EUR
SWIFT Incoming 0.00 EUR
Plus

offered to: EEA residents

Fixed monthly fee
Free contactless card
Reduced rates on top-ups and transfers

Initial Fee 0.00 EUR
Monthly Fee 4.95 EUR
Closing Fee 0.00 EUR
SEPA Outgoing 0.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 0.00 EUR
SWIFT Incoming 0.00 EUR
Premium

offered to: EEA residents

Unlimited withdrawals
Free contactless card
No fees on top-ups or transfers

Initial Fee 0.00 EUR
Monthly Fee 14.95 EUR
Closing Fee 0.00 EUR
SEPA Outgoing 0.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 0.00 EUR
SWIFT Incoming 0.00 EUR
Product Name
Current Account (GB IBAN)
Standard
Premium
Metal
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
USD, GBP, EUR
and 26 more
Currency
Current Account is a multi-currency account, allowing the account holder to have funds in USD, GBP, EUR, PLN, CHF, DKK, NOK, SEK, RON, SGD, HKD, AUD, NZD, TRY, ILS, AED, CAD, HUF, JPY, MAD, CZK, QAR, THB, ZAR, MXN, RUB, SAR, HRK, BGN.
Payment Cards
Revolut Personal Card can be ordered together with Current Account. Revolut Virtual cards can be used for online purchases only, up to 5 virtual cards can be connected to Revolut account. Disposable virtual cards (suitable for one-time, online transactions) are available only to Revolut Premium customers.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances
IBAN Countries
Personal IBANs assigned to Current Account belong to the United Kingdom.
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • other transfers
Pricing Plans
Current Account is offered with several pricing plans for different customer groups, namely Standard, Premium, Metal.
Standard

offered to: all countries

Spend in over 150 currencies at the interbank exchange rate
No fee exchange in 29 fiat currencies up to €6,000 per month
No fee ATM withdrawals up to €200 per month

Monthly Fee 0.00 EUR
Premium

offered to: all countries

Spend in over 150 currencies at the interbank exchange rate
Unlimited exchange in 29 fiat currencies - no monthly limit
No fee ATM withdrawals up to €400 per month

Monthly Fee 7.99 EUR
Metal

offered to: all countries

Spend in over 150 currencies at the interbank exchange rate
Unlimited exchange in 29 fiat currencies - no monthly limit
No fee ATM withdrawals up to €600 per month

Monthly Fee 13.99 EUR
Product Name
Borderless Account (DE, GB IBAN)
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR, GBP, AUD
and 43 more
Currency
Borderless Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.
Payment Cards
Transferwise Debit Personal (MasterCard) can be ordered together with Borderless Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances
  • ABA and account number available for USD balances
  • BSB and account number available for AUD balances
  • account number available for NZD balances
IBAN Countries
Personal IBANs assigned to TransferWise Borderless accounts belong to:
  • Germany for EUR balances
  • the United Kingdom for GBP balances
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
EMI Banking Details Operations
  • receiving SWIFT transfers
  • sending SWIFT transfers
  • other transfers
Pricing Plans
Borderless Account is offered with a single pricing plan for all customers.
Borderless Account

offered to: all countries

Low conversion fees
Zero transaction fees
Free ATM withdrawals up to £200 per 30 days

Initial Fee 0.00 EUR
SEPA Outgoing 0.60 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 0.60 EUR
SWIFT Incoming 0.00 EUR
Product Name
Current Account
EU
non-EU
Customer Groups
  • EU residents
  • non-EU residents
Payment Cards
physical
virtual
Currency
EUR, GBP, CHF
and 22 more
Currency
Current Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP, CHF, CNY, JPY, AED, TRY, ILS, PLN, HUF, DKK, SEK, NOK, RON, HRK, CZK, AUD, NZD, CAD, MXN, HKD, SGD, RUB, ZAR, SAR.
Payment Cards
Satchelpay Personal Card (MasterCard) can be ordered together with Current Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • purchased from 7,00 EUR per month
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
  • receiving SWIFT transfers
  • sending SWIFT transfers
EMI Banking Details Operations
  • other transfers
Pricing Plans
Current Account is offered with several pricing plans for different customer groups, namely EU, non-EU.
EU

offered to: EU residents

Initial Fee 0.00 EUR
Monthly Fee 1.00 EUR
Closing Fee 50.00 EUR
SEPA Outgoing 5.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 35.00 EUR
SWIFT Incoming 5.00 EUR
non-EU

offered to: non-EU residents

Initial Fee 575.00 EUR
Monthly Fee 35.00 EUR
Closing Fee 150.00 EUR
SEPA Outgoing 5.00 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 45.00 EUR
SWIFT Incoming 10.00 EUR
Product Name
IBAN Account
Category 1
Category 2
Customer Groups
  • EU residents
  • non-EU residents
Payment Cards
physical
virtual
Currency
EUR, USD, AED
and 28 more
Currency
IBAN Account is a multi-currency account, allowing the account holder to have funds in EUR, USD, AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, GBP, HKD, HRK, HUF, ILS, JPY, KES, KWD, MXN, NOK, NZD, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, ZAR.
Payment Cards
A payment card can be ordered together with IBAN Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically
Personal IBAN Operations
  • sending EUR to a SEPA country
  • receiving EUR from a SEPA country
  • sending SWIFT transfers
Pricing Plans
IBAN Account is offered with several pricing plans for different customer groups, namely Category 1, Category 2.
Category 1

offered to: EU residents

Initial Fee 0.00 EUR
Monthly Fee 50.00 EUR
SEPA Outgoing 0.25 EUR
SEPA Incoming 0.00 EUR
SWIFT Outgoing 40.00 EUR
Category 2

offered to: non-EU residents

Initial Fee 200.00 EUR
Monthly Fee 100.00 EUR
SEPA Outgoing 5.00 EUR
SEPA Incoming 5.00 EUR
SWIFT Outgoing 50.00 EUR
*) Prepay Technologies Ltd delivers its products and services via its registered agent Monese Ltd (company number 8720992, FCA reference number 900188).

EU stands for the European Union and consists of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

EEA stands for the European Economic Area and consists of Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

SEPA stands for the Single Euro Payment Area and consists of Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

See Also