Personal Accounts with IBAN Offered by E-Money Institutions

Personal Accounts with IBAN Offered by E-Money Institutions

In the realm of modern finance, Electronic Money Institutions (EMIs) are reshaping personal banking experiences by offering accounts with personal International Bank Account Numbers (IBANs). These accounts bring unmatched flexibility and cost-efficiency, making them the preferred choice for individuals seeking versatile and accessible banking solutions. Here's why private individuals are turning to EMIs for their personal banking needs:

  • Effortless Online Setup. Opening a personal account with an EMI is a hassle-free process. Individuals can complete the entire setup online, from submitting supporting documents to authentication, ensuring a seamless and convenient experience.
  • Tailored Fees. Account fees are personalized based on an individual's risk level, usually determined by their country of residence. This customized approach ensures transparent fee structures, tailored to the specific needs and circumstances of each account holder.
  • Multi-Currency Support. EMI personal accounts are designed to be multi-currency, allowing individuals to hold funds in various currencies within a single account. This feature enables effortless international transactions and minimizes currency conversion costs.
  • Dedicated Personal IBANs. Each personal account is uniquely identified within the EMI. Personal IBANs, along with other account numbers, can be assigned to balances in different currencies, facilitating specific payment transactions, especially in SEPA payments. Some EMIs have also introduced personal IBANs for SWIFT payments, enhancing transaction versatility.
  • Competitive Transfer Fees. EMI transfer fees are notably lower than those offered by traditional banks. This translates to substantial savings for individuals, particularly for cross-border transfers and international payments.
  • Integrated Payment Cards. EMIs offer the convenience of ordering payment cards alongside personal accounts. This seamless integration allows individuals to access their funds and make payments swiftly and securely, both online and offline.
Embrace a new era of personal banking with E-Money Institutions. Explore our featured EMIs providing personal IBANs, and enjoy the freedom of hassle-free, cost-effective, and versatile financial solutions tailored to your individual needs.

Transform your banking experience with our E-Money Institution partners—where simplicity meets financial freedom.

#3 EMI in EUROPE, #2 EMI in the UNITED KINGDOM
Personal Multi-Currency Account (GB IBAN)
Pricing Plans
Personal
Customer Groups
all countries
Payment Cards
physical
virtual
Currency
AUD, BHD, BGN and 30 more
Open Account
View Details +
Currency

Personal Multi-Currency Account is a multi-currency account, allowing the account holder to have funds in the following currencies:

AUAUD (Australian dollar)
BHBHD (Bahraini Dinar)
BGBGN (Bulgarian lev)
CACAD (Canadian dollar)
CNCNY (Renminbi (Chinese) yuan)
HRHRK (Croatian kuna)
CZCZK (Czech koruna)
DKDKK (Danish krone)
EUEUR (Euro)
HKHKD (Hong Kong dollar)
HUHUF (Hungarian forint)
ILILS (Israeli shekels)
JPJPY (Japanese yen)
KEKEN
KWKWD (Kuwatiti Dinar)
MXMXN (Mexican peso)
NZNZD (New Zealand dollar)
NONOK (Norwegian krone)
OMOMR (Omani Rial)
PLPLN (Polish złoty)
QAQAR (Qatari Riyal)
RORON (Romanian new leu)
RURUB (Russian ruble)
SASAR (Saudi riyal)
SGSGD (Singapore dollar)
SESEK (Swedish krona/kronor)
CHCHF (Swiss franc)
THTHB (Thai baht)
TRTRY (Turkish lira)
AEAED (UAE dirham)
UGUGX (Ugandan Shilling)
GBGBP (Pound sterling)
USUSD (US dollar)
Payment Cards

A payment card can be ordered together with Personal Multi-Currency Account.

International Transfers

  • SWIFT Transfers
  • SEPA Transfers
  • CHAPS Transfers
  • Faster Payments
  • ACH Transfers
  • EFT Transfers

IBAN Countries

Dedicated IBANs assigned to Personal Multi-Currency Account belong to the United Kingdom.

Pricing Plans

Personal Multi-Currency Account is offered with a single pricing plan for all customers.

  • Personal
  • offered to: all countries
  • Initial Fee 95.00 GBP
  • Monthly Fee 29.00 GBP
  • SEPA Out 0.40%; min 6.00 GBP
  • SEPA In 0.00 EUR
  • SWIFT Out 0.45%; min 30.00 GBP
  • SWIFT In 0.00 EUR
  • Open Account
Personal Account (LT, LU, DK, DE, UK, US IBAN)
Pricing Plans
Plan H
Plan I
Plan J
Customer Groups
EEA residents
non-EEA residents
high-risk residents
Payment Cards
physical
virtual
Currency
EUR
Open Account
View Details +
Currency

Personal Account is a single-currency account, allowing the account holder to have funds in EUR only.

EUEUR (Euro)
Payment Cards

Personal Card (MasterCard) can be ordered together with Personal Account.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

IBAN Countries

Wittix offers dedicated IBANs which belong to Lithuania, Luxembourg, Denmark, Germany, the United Kingdom and the United States.

Pricing Plans

Personal Account is offered with several pricing plans for different customer groups, namely Plan H, Plan I, Plan J.

  • Plan H
  • offered to: EEA residents
  • Application Fee 0.00 EUR
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • SEPA Out 5.00 EUR + 0.15 %
  • SEPA In 5.00 EUR + 0.15 %
  • SWIFT Out 35.00 EUR + 0.15 %
  • Open Account
  • Plan I
  • offered to: non-EEA residents
  • Application Fee 0.00 EUR
  • Initial Fee 0.00 EUR
  • Monthly Fee 15.00 EUR
  • SEPA Out 10.00 EUR + 0.25 %
  • SEPA In 10.00 EUR + 0.25 %
  • SWIFT Out 45.00 EUR + 0.25 %
  • Open Account
  • Plan J
  • offered to: high-risk residents
  • Application Fee 0.00 EUR
  • Initial Fee 0.00 EUR
  • Monthly Fee 50.00 EUR
  • SEPA Out 5.00 EUR + 0.45%; min 10.00 EUR
  • SEPA In 5.00 EUR + 0.45%; min 10.00 EUR
  • SWIFT Out 35.00 EUR + 0.45 %; min 40.00 EUR
  • Open Account
#2 EMI in EUROPE
Personal Current Account (LT IBAN)
Pricing Plans
Ukrainian
EU
non-EU
Customer Groups
UA residents
EU residents
non-EU residents
Payment Cards
physical
virtual
Currency
EUR, GBP, CHF and 20 more
Open Account
View Details +
Currency

Personal Current Account is a multi-currency account, allowing the account holder to have funds in the following currencies:

EUEUR (Euro)
GBGBP (Pound sterling)
CHCHF (Swiss franc)
AEAED (UAE dirham)
AUAUD (Australian dollar)
BGBGN (Bulgarian lev)
CZCZK (Czech koruna)
DKDKK (Danish krone)
HKHKD (Hong Kong dollar)
HRHRK (Croatian kuna)
HUHUF (Hungarian forint)
ILILS (Israeli shekels)
JPJPY (Japanese yen)
NZNZD (New Zealand dollar)
PLPLN (Polish złoty)
SESEK (Swedish krona/kronor)
SGSGD (Singapore dollar)
TRTRY (Turkish lira)
THTHB (Thai baht)
NONOK (Norwegian krone)
ZAZAR (South African rand)
USUSD (US dollar)
CACAD (Canadian dollar)
Payment Cards

Satchel Personal Card (MasterCard) can be ordered together with Personal Current Account.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

Dedicated IBAN

  • available for verified customers
  • appears automatically for EUR balances

IBAN Countries

Dedicated IBANs assigned to Personal Current Account belong to Lithuania.

Dedicated 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

Personal Current Account is offered with several pricing plans for different customer groups, namely Ukrainian, EU, non-EU.

    • Ukrainian
    • offered to: UA residents
    • Initial Fee 0.00 EUR
    • Monthly Fee 0.00 EUR
    • Closing Fee 0.00 EUR
    • SEPA Out 1.00 EUR
    • SEPA In 0.00 EUR
    • SWIFT Out 0.50%; min 15.00 EUR; max 350.00 EUR
    • SWIFT In 0.20%; min 10.00 EUR; max 100.00 EUR
    • Open Account
    • EU
    • offered to: EU residents
    • Initial Fee 0.00 EUR
    • Monthly Fee 1.00 EUR
    • Closing Fee 0.00 EUR
    • SEPA Out 3.00 EUR
    • SEPA In 0.00 EUR
    • SWIFT Out 0.50%; min 15.00 EUR; max 350.00 EUR
    • SWIFT In 0.20%; min 10.00 EUR; max 100.00 EUR
    • Open Account
    • non-EU
    • offered to: non-EU residents
    • Initial Fee 575.00 EUR
    • Monthly Fee 35.00 EUR
    • Closing Fee 150.00 EUR
    • SEPA Out 5.00 EUR
    • SEPA In 0.00 EUR
    • SWIFT Out 0.50%; min 15.00 EUR; max 350.00 EUR
    • SWIFT In 0.20%; min 10.00 EUR; max 100.00 EUR
    • Open Account
    #1 EMI in EUROPE
    Multi-Currency Account (BE, GB IBAN)
    Pricing Plans
    Multi-Currency Account
    Customer Groups
    all countries
    Payment Cards
    physical
    virtual
    Currency
    EUR, GBP, AUD and 43 more
    Open Account
    View Details +
    Currency

    Multi-Currency Account is a multi-currency account, allowing the account holder to have funds in the following currencies:

    EUEUR (Euro)
    GBGBP (Pound sterling)
    AUAUD (Australian dollar)
    AEAED (UAE dirham)
    ARARS (Argentine peso)
    BDBDT (Bangladeshi taka)
    BGBGN (Bulgarian lev)
    CHCHF (Swiss franc)
    CLCLP (Chilean peso)
    CNCNY (Renminbi (Chinese) yuan)
    CZCZK (Czech koruna)
    DKDKK (Danish krone)
    EGEGP (Egyptian Pound)
    GEGEL (Georgian lari)
    HKHKD (Hong Kong dollar)
    HRHRK (Croatian kuna)
    HUHUF (Hungarian forint)
    CACAD (Canadian dollar)
    IDIDR (Indonesian rupiah)
    ILILS (Israeli shekels)
    ININR (Indian rupee)
    JPJPY (Japanese yen)
    KEKES (Kenyan Shilling)
    KRKRW (South Korean won)
    LKLKR (Sri Lankan Rupee)
    MAMAD (Moroccan Dirham)
    MXMXN (Mexican peso)
    MYMYR (Malaysian ringgit)
    NGNGN (Nigerian Naira)
    NONOK (Norwegian krone)
    NPNPR (Nepalese rupee)
    NZNZD (New Zealand dollar)
    USUSD (US dollar)
    PEPEN (Peruvian Nuevo Sol)
    PHPHP (Philippine peso)
    PLPLN (Polish złoty)
    PKPKR (Pakistani rupee)
    RORON (Romanian new leu)
    RURUB (Russian ruble)
    SESEK (Swedish krona/kronor)
    SGSGD (Singapore dollar)
    THTHB (Thai baht)
    TRTRY (Turkish lira)
    UAUAH (Ukrainian hryvnia)
    VNVND (Vietnamese Dong)
    ZAZAR (South African rand)
    Payment Cards

    Wise Personal Card (MasterCard) can be ordered together with Multi-Currency Account.

    International Transfers

    • SWIFT Transfers
    • SEPA Credit Transfers
    • SEPA Instant Transfers
    • Faster Payments

    Dedicated 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
    • account number available for PLN balances

    IBAN Countries

    Dedicated IBANs assigned to Wise Multi-Currency accounts belong to:

    • Belgium for EUR balances
    • the United Kingdom for GBP balances

    Dedicated 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

    Multi-Currency Account is offered with a single pricing plan for all customers.

    • Multi-Currency Account
    • offered to: all countries
    • Application Fee 0.00 EUR
    • Initial Fee 0.00 EUR
    • SEPA Out 0.00 EUR
    • SEPA In 0.00 EUR
    • Low conversion fees
    • Zero transaction fees
    • Free ATM withdrawals up to £200 per 30 days
    • Open Account

    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.

    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.

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

    Compare EMI Personal Accounts

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