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

(4.87)

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:

AUD (Australian dollar)

BHD (Bahraini Dinar)

BGN (Bulgarian lev)

CAD (Canadian dollar)

CNY (Renminbi (Chinese) yuan)

HRK (Croatian kuna)

CZK (Czech koruna)

DKK (Danish krone)

EUR (Euro)

HKD (Hong Kong dollar)

HUF (Hungarian forint)

ILS (Israeli shekels)

JPY (Japanese yen)

KEN

KWD (Kuwatiti Dinar)

MXN (Mexican peso)

NZD (New Zealand dollar)

NOK (Norwegian krone)

OMR (Omani Rial)

PLN (Polish złoty)

QAR (Qatari Riyal)

RON (Romanian new leu)

RUB (Russian ruble)

SAR (Saudi riyal)

SGD (Singapore dollar)

SEK (Swedish krona/kronor)

CHF (Swiss franc)

THB (Thai baht)

TRY (Turkish lira)

AED (UAE dirham)

UGX (Ugandan Shilling)

GBP (Pound sterling)

USD (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

(4.23)

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.

EUR (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

Pay Set Multi-Currency Business Accounts

Pay Set Multi-Currency Business Accounts

#3 EMI in LITHUANIA

(4.61)

Personal Account (LT IBAN)

Pricing Plans

EEA
non-EEA

Customer Groups

EEA residents
non-EEA residents

Payment Cards

physical
virtual

Currency

AED, AUD, BGN and 20 more

Open Account
View Details +

Currency

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

AED (UAE dirham)

AUD (Australian dollar)

BGN (Bulgarian lev)

CAD (Canadian dollar)

CHF (Swiss franc)

CZK (Czech koruna)

DKK (Danish krone)

EUR (Euro)

GBP (Pound sterling)

HKD (Hong Kong dollar)

HRK (Croatian kuna)

HUF (Hungarian forint)

JPY (Japanese yen)

NOK (Norwegian krone)

NZD (New Zealand dollar)

PLN (Polish złoty)

RON (Romanian new leu)

SEK (Swedish krona/kronor)

SGD (Singapore dollar)

USD (US dollar)

THB (Thai baht)

TRY (Turkish lira)

ZAR (South African rand)

Payment Cards

Payment cards are not offered together with Personal Account.

International Transfers

SWIFT Transfers
SEPA Credit Transfers

Dedicated IBAN

available to verified customers
multi-currency Lithuanian IBAN

IBAN Countries

Dedicated IBANs assigned to Personal Account belong to Lithuania.

Pricing Plans

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

EEA
offered to: EEA residents
Application Fee 0.00 EUR
Monthly Fee 5.00 EUR
Closing Fee 0.00 EUR
SEPA Out 1.00 EUR
SEPA In 0.00 EUR
SWIFT Out 30.00 EUR
SWIFT In 5.00 EUR
Open Account

non-EEA
offered to: non-EEA residents
Application Fee 50.00 EUR
Monthly Fee 30.00 EUR
Closing Fee 0.00 EUR
SEPA Out 5.00 EUR
SEPA In 2.00 EUR
SWIFT Out 0.10%; min 50.00 EUR
SWIFT In 10.00 EUR
Open Account

(4.13)

Monese Current Account (GB, BE IBAN)

Pricing Plans

Simple
Classic
Premium

Customer Groups

UK, EEA residents

Payment Cards

physical
virtual

Currency

EUR, GBP, RON

Open Account
View Details +

Currency

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

EUR (Euro)

GBP (Pound sterling)

RON (Romanian new leu)

Payment Cards

Monese Debit Card (MasterCard) can be ordered together with Monese Current Account.

International Transfers

SWIFT Transfers

Dedicated IBAN

available for verified customers
appears automatically for EUR balances
UK sort code and account number available for GBP balances

IBAN Countries

Individual IBANs assigned to Monese current accounts belong to:

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

Please note that GBP accounts are not available to the EU customers.

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

Monese Current Account is offered with several pricing plans for different customer groups, namely Simple, Classic, Premium.

Simple
offered to: UK, EEA residents
Application Fee 0.00 EUR
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 2.00%
Faster Payments 0.00 GBP
A full current account for no monthly cost
ATMs & cash top-ups, £200 free
Open Account

Classic
offered to: UK, EEA residents
Application Fee 0.00 EUR
Initial Fee 0.00 EUR
Monthly Fee 5.95 EUR
Closing Fee 0.00 EUR
SEPA Out 0.00 EUR
SEPA In 0.00 EUR
SWIFT Out 0.50%
Faster Payments 0.00 GBP
Fixed monthly fee
ATMs & cash top-ups, £9000 free
Open Account

Premium
offered to: UK, EEA residents
Application Fee 0.00 EUR
Initial Fee 0.00 EUR
Monthly Fee 14.95 EUR
Closing Fee 0.00 EUR
SEPA Out 0.00 EUR
SEPA In 0.00 EUR
SWIFT Out 0.00 EUR
Faster Payments 0.00 GBP
Unlimited withdrawals
Fee-free ATM withdrawals and cash top-ups
Open Account

#2 EMI in EUROPE

(4.83)

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:

EUR (Euro)

GBP (Pound sterling)

CHF (Swiss franc)

AED (UAE dirham)

AUD (Australian dollar)

BGN (Bulgarian lev)

CZK (Czech koruna)

DKK (Danish krone)

HKD (Hong Kong dollar)

HRK (Croatian kuna)

HUF (Hungarian forint)

ILS (Israeli shekels)

JPY (Japanese yen)

NZD (New Zealand dollar)

PLN (Polish złoty)

SEK (Swedish krona/kronor)

SGD (Singapore dollar)

TRY (Turkish lira)

THB (Thai baht)

NOK (Norwegian krone)

ZAR (South African rand)

USD (US dollar)

CAD (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

(4.94)

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:

EUR (Euro)

GBP (Pound sterling)

AUD (Australian dollar)

AED (UAE dirham)

ARS (Argentine peso)

BDT (Bangladeshi taka)

BGN (Bulgarian lev)

CHF (Swiss franc)

CLP (Chilean peso)

CNY (Renminbi (Chinese) yuan)

CZK (Czech koruna)

DKK (Danish krone)

EGP (Egyptian Pound)

GEL (Georgian lari)

HKD (Hong Kong dollar)

HRK (Croatian kuna)

HUF (Hungarian forint)

CAD (Canadian dollar)

IDR (Indonesian rupiah)

ILS (Israeli shekels)

INR (Indian rupee)

JPY (Japanese yen)

KES (Kenyan Shilling)

KRW (South Korean won)

LKR (Sri Lankan Rupee)

MAD (Moroccan Dirham)

MXN (Mexican peso)

MYR (Malaysian ringgit)

NGN (Nigerian Naira)

NOK (Norwegian krone)

NPR (Nepalese rupee)

NZD (New Zealand dollar)

USD (US dollar)

PEN (Peruvian Nuevo Sol)

PHP (Philippine peso)

PLN (Polish złoty)

PKR (Pakistani rupee)

RON (Romanian new leu)

RUB (Russian ruble)

SEK (Swedish krona/kronor)

SGD (Singapore dollar)

THB (Thai baht)

TRY (Turkish lira)

UAH (Ukrainian hryvnia)

VND (Vietnamese Dong)

ZAR (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, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

Compare EMI Personal Accounts

Other EMIs Products and Services

Cryptocurrency operations

Business accounts with IBAN

Merchant accounts

Expense management

Money transfers

See Also

Electronic Money Institutions

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