Blackcat

Pricing

• •Access to the Sureswipe service and its price band depend on the country of incorporation (business) or of residence (personal), in five tiers: LOW and MEDIUM at standard terms, HIGH with a surcharge and enhanced due diligence, RED FLAGGED only with prior written approval and a case-by-case assessment, and BLACKLISTED not available.
• •Business onlyThis plan is for regulated high-risk businesses and uses dedicated pricing rather than the standard published rates.
• •Payments move across the EEA, the UK and Switzerland with no limits, incoming transfers are always free, and the first 5 outgoing payments each month are free too.
• •Incoming SEPA and internal transfers are always free and carry no amount limit. Outgoing SEPA is free for the first 5 payments a month, then costs a flat €0.20 from the sixth onwards.

Limits

• •The €100,000 ceiling belongs to the SEPA Instant network rather than to Blackcat: standard SEPA Credit has no strict EU-wide cap.

Payments & transfers

• •The e-money institution behind the account is Papaya Ltd (MFSA). Its own payment service is SEPA-only: transfers are in euro only and stay within the SEPA zone (all EEA countries plus Andorra, the United Kingdom, Monaco, San Marino and Switzerland).
• •Since 2026 the terms (section 40) add a separate product, "Sureswipe Payments (Revsto IBAN & Payment Services)", offered through a white-label partnership with Sureswipe E.M.I PLC (Cyprus, brand Revsto, licensed by Cyprus's central bank). It brings IBAN issuance and SWIFT/cross-border payments in several currencies, including euro payments to countries that SEPA does not reach. That section governs the Sureswipe product, not the blackcatcard account.

Cards

• •Personal onlyThe physical card (Access Tools) is available only to residents of the EEA; those residing outside the EEA still get the EUR wallet and the app, but without a physical card.
• •Business onlyThis plan does not include a physical card; it comes with the EUR wallet, the app, and the web portal only.

Crypto

• •The in-app crypto wallet is a shared app feature operated by the partner MANERIO Sp. z o.o., with the same availability on every plan.
• •Customers from a published list of around 34 jurisdictions are excluded from the crypto wallet.

Opening an account

• •Business onlyThis plan requires the company to have a valid EU VAT number, verifiable through the European Commission's VIES portal.

Countries & residency

• •The Sureswipe terms label their country lists "Illustrative Jurisdictions", and the MEDIUM and HIGH lists add "and others", referring to a full Country Risk Matrix that is not published: the countries named in the terms are placed with certainty, while the tier of any country not named is not known.

Licence & regulation

• •Operated by Papaya Ltd, registered in Malta (company registration number C55146).
• •Client funds are safeguarded in accordance with applicable legislation, but balances held in e-money accounts are not covered by the Depositor Compensation Scheme.