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 (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.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers

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
Personal Current Account (LT IBAN)
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.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

Personal IBAN

  • available for verified customers
  • purchased from 7,00 EUR per month

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
  • 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
Borderless Account (BE, 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.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

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
  • account number available for PLN balances

IBAN Countries

Personal IBANs assigned to TransferWise Borderless accounts belong to:

  • Belgium 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
DynaPay Ltd
 (3.7)
Product Name
Personal Payment Account (GB IBAN)
EU
Multinational
Customer Groups
  • EU residents
  • non-EU residents
Payment Cards
physical
virtual
Currency
EUR
Currency

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

Payment Cards

Payment cards are not offered together with Personal Payment Account.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers

IBAN Countries

Personal IBANs assigned to Personal Payment Account belong to the United Kingdom.

Pricing Plans

Personal Payment Account is offered with several pricing plans for different customer groups, namely EU, Multinational.

UAB Nexpay
 (3.6)
Product Name
Individual EURO Wallet (LT IBAN)
Basic
Premium
Customer Groups
  • all countries
Payment Cards
physical
virtual
Currency
EUR
Currency

Individual EURO Wallet is a single-currency account, allowing the account holder to have funds in EUR only.

Payment Cards

Payment cards are not offered together with Individual EURO Wallet.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers

IBAN Countries

Personal IBANs assigned to Individual EURO Wallet belong to Lithuania.

Pricing Plans

Individual EURO Wallet is offered with several pricing plans for different customer groups, namely Basic, Premium.

  • Basic
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • Closing Fee 10.00 EUR
  • SEPA Outgoing 1.00 EUR
  • SEPA Incoming 1.00 EUR
  • Open Account
  • Premium
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • Monthly Fee 5.00 EUR
  • Closing Fee 10.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SEPA Incoming 0.00 EUR
  • Open Account
Product Name
Personal Account (LT IBAN)
Customer Groups
  • all countries
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

Personal Card (MasterCard) can be ordered together with Personal Account. Virtual cards are not available.

International Transfers

  • SWIFT Transfers
  • SEPA Credit Transfers

IBAN Countries

Personal IBANs assigned to Personal Account belong to Lithuania.

Pricing Plans

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

  • Personal
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SEPA Incoming 0.00 EUR
  • 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, 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, Gibraltar, Greece, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

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