Bankera

Pricing

• •A freelancer who receives business payments into a personal account may be moved to business pricing.

Limits

• •Outgoing limits are security defaults you can raise from account settings or by contacting support: EUR 10,000 per transfer, EUR 25,000 a day and EUR 50,000 a month, on every kind of transfer. Incoming payments have no limit at all.
• •Outgoing limits are security defaults you can raise from account settings or by contacting support: EUR 50,000 per transfer, EUR 100,000 a day and EUR 300,000 a month, on every kind of transfer. Incoming payments have no limit at all.

Payments & transfers

• •Bankera doesn't publish a list of restricted payment countries; its general terms reserve the right to refuse payment orders directed to countries or recipients it doesn't serve.
• •A dedicated European IBAN is included with the account, on SEPA and SEPA Instant.

Cards

• •Personal onlyThe Personal plan is for individuals resident in the EEA or the UK, and its physical and virtual cards are limited to EEA and UK residents as well.
• •Personal onlyCards (physical and virtual) are documented as available to EEA and UK residents only, so whether Personal+ customers resident outside that area can get one is not specified.

Crypto

• •This plan is explicitly aimed at crypto and compliance-intensive businesses - the bank describes it as an account for blockchain-sector companies such as exchanges, brokerages, and mining farms.
• •Bankera positions itself as crypto-friendly, with SpectroCoin part of its own ecosystem; supported exchanges aren't limited to a fixed list.
• •SpectroCoin is named explicitly as a supported exchange, but the list is open-ended ('and other cryptocurrency exchanges and platforms') - transfers aren't limited to a fixed set of exchanges.
• •Transfers to and from crypto exchanges (SpectroCoin and others) are supported on all plans.

Business activity

• •The Business+ plan also serves several higher-risk industries that no standard sector label captures: aviation, chemicals, nuclear energy, telecommunications, trust services, auction houses, holding companies, audit firms, public administration, and trade in art, cultural artefacts, ivory, and protected species.

Countries & residency

• •Personal onlyThe Personal+ plan is for individuals resident outside the EEA.
• •Beyond the explicitly excluded countries, services aren't offered in any jurisdiction where providing them would be restricted.

Company ownership

• •Bankera is a brand of Era Finance Ltd (Malta), acting as a registered agent of UAB Pervesk, the Lithuanian e-money institution that holds the license - it is not a bank and has no physical branches.