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
Personal Current Account (GB IBAN)
Standard
Premium
Metal
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
USD, GBP, EUR
and 26 more
Currency
Personal 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 Personal Current Account.
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 Personal 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
Personal Current Account is offered with several pricing plans for different customer groups, namely Standard, Premium, Metal.
  • Standard
  • offered to: all countries
  • Monthly Fee 0.00 EUR
  • Free UK account
  • Free Euro IBAN account
  • Spend in over 150 currencies at the interbank exchange rate
  • No fee exchange in 30 fiat currencies up to €6,000 per month
  • No fee ATM withdrawals up to €200 per month
  • Open Account
  • Premium
  • offered to: all countries
  • Monthly Fee 7.99 EUR
  • Free UK account
  • Free Euro IBAN account
  • Spend in over 150 currencies at the interbank exchange rate
  • Unlimited exchange in 30 fiat currencies - no monthly limit
  • No fee ATM withdrawals up to €400 per month
  • Instant access to 5 cryptocurrencies
  • Premium card with exclusive designs
  • Disposable virtual cards
  • Open Account
  • Metal
  • offered to: all countries
  • Monthly Fee 13.99 EUR
  • Free UK account
  • Free Euro IBAN account
  • Spend in over 150 currencies at the interbank exchange rate
  • Unlimited exchange in 30 fiat currencies - no monthly limit
  • No fee ATM withdrawals up to €600 per month
  • Instant access to 5 cryptocurrencies
  • Exclusive Revolut Metal card
  • Disposable virtual cards
  • 0.1% cashback within Europe and 1% outside Europe on all card payments
  • Open Account
Product Name
Personal Current Account
EU
non-EU
Customer Groups
  • EU residents
  • non-EU residents
Payment Cards
physical
virtual
Currency
EUR, GBP, CHF
and 22 more
Currency
Personal 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 Personal Current Account.
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
Personal 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
  • 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 Outgoing 5.00 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 45.00 EUR
  • SWIFT Incoming 10.00 EUR
  • Open Account
Product Name
Personal 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
Personal 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 Personal Current Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
IBAN Countries
Personal IBANs assigned to Personal 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
Personal 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
  • Open Account
  • 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
  • Open Account
Product Name
ePayments Personal e-Wallet (GB IBAN)
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR, USD, RUB
Currency
ePayments Personal 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 Personal 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 Personal 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 Personal 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
  • Open Account
Product Name
Personal Checking Account (LT IBAN)
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR, USD, RUB
and 26 more
Currency
Personal 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 Personal Checking Account. Virtual cards are not available.
Personal IBAN
  • available for verified customers
  • appears automatically for EUR balances
IBAN Countries
Personal IBANs assigned to Personal 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
Personal Checking Account is offered with a single pricing plan for all customers.
  • Checking Account
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SWIFT Outgoing 7.00 EUR
  • Free transfers between Paysera users
  • Favourable exchange rates
  • Global local and international transfers
  • Instant transfers (SEPA Instant)
  • Open Account
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
Monese Debit Card (MasterCard) 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
  • 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
  • A full current account for no monthly cost
  • Free contactless card
  • Fees apply to some top-ups and transfers
  • Open Account
  • Plus
  • offered to: EEA residents
  • 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
  • Fixed monthly fee
  • Free contactless card
  • Reduced rates on top-ups and transfers
  • Open Account
  • Premium
  • offered to: EEA residents
  • 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
  • Unlimited withdrawals
  • Free contactless card
  • No fees on top-ups or transfers
  • Open Account
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 Personal Card (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
  • 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
  • Low conversion fees
  • Zero transaction fees
  • Free ATM withdrawals up to £200 per 30 days
  • Open Account
Product Name
Personal Account (ES IBAN)
Basic
Premium
Customer Groups
  • EEA residents
Payment Cards
physical
virtual
Currency
EUR
Currency
Personal Account is a single-currency account, allowing the account holder to have funds in EUR only.
Payment Cards
Rebellion Payment Card (MasterCard) can be ordered together with Personal Account.
IBAN Countries
Personal IBANs assigned to Personal Account belong to Spain.
Pricing Plans
Personal Account is offered with several pricing plans for different customer groups, namely Basic, Premium.
*) 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.

Other EMIs Products and Services

See Also