Keytom

Pricing

• •Business onlyKeytom's own pages disagree on the fixed fee for EUR transfers: the FAQ says 2.50 EUR, while the personalised pricing widget on the business page says 2.75 EUR.

Limits

• •Personal onlyKeytom states there are no fixed limits on this account and that you are not capped by default, though it may sometimes ask about a transaction for security and compliance reasons.
• •Business onlyKeytom states there are no fixed transfer limits on this account. Documentation on a given transaction can still be requested as part of routine compliance checks.

Payments & transfers

• •Keytom does not publish a country-by-country list of where payments can be sent or received. Its only public statement on the matter is a number: payments from and to more than 180 countries.
• •The restricted-country lists Keytom publishes are about who it takes on as a client, meaning where the client is registered or operating and where the beneficial owners live or hold citizenship. They say nothing about which countries transfers can be sent from or to.
• •Business onlyThe business EUR account comes with an IBAN in the company's name, issued either in Lithuania or in Malta. Which of the two you get is decided by Keytom during onboarding, based on the company profile, its risk and its payment needs.
• •The USD account is a US local account with an account number and a routing number for ACH and Fedwire, plus SWIFT for international transfers. It is not in IBAN format.
• •Personal onlyThe personal EUR account is an IBAN in your own name, issued in the United Kingdom and reachable over SEPA and SEPA Instant.

Crypto

• •USDT is not supported, which Keytom attributes to MiCA rules. USDC is the stablecoin it supports instead.
• •Keytom does not actively market crypto-asset services in the European Union. Requests from people in the EU are looked at only case by case, and only when the client approaches Keytom on their own initiative.

Business activity

• •Business onlySome business sectors are not turned away but get access to only one of the two accounts, EUR or USD, instead of both.
• •Business only · Gambling & Gaming (Licensed) / iGamingLicensed gambling and iGaming are accepted, with access limited to the EUR account.

Opening an account

• •Its AML policy denies services to anyone "incorporated, residing or transacting with any country that is listed by the FATF" under the high risk or increased monitoring lists. The clause names no country of its own.
• •Personal onlyA residence permit is accepted as the identity document for opening a personal account, as long as it was issued by a country on the accepted list.
• •Personal onlyWhat decides personal onboarding is where you live, not your citizenship, and the list of residence countries Keytom does not serve includes places you might not expect: Croatia, Slovenia, Monaco, Gibraltar, Singapore, Japan, the United States, South Africa, Panama and the Philippines.
• •Keytom publishes three restricted-country lists that do not agree with each other. The annex to the AML policy, updated the same day, also names Mauritius, Nigeria, Pakistan, Panama, Puerto Rico and Yemen, and leaves out Albania, Ghana, Mongolia, Samoa, Serbia, Trinidad and Tobago and Zimbabwe, while the appendix to the Terms and Conditions differs again. Which list applies to your case is worth asking before you apply.

Countries & residency

• •The restrictions also name territories that have no country code of their own: Abkhazia, Kashmir, Nagorno-Karabakh, South Ossetia, Crimea and Sevastopol, the Donetsk People's Republic and the Luhansk People's Republic.
• •Keytom's documents disagree on Ukraine: the Customer Acceptance Policy lists the whole country, while the Terms and Conditions restrict only Crimea and Sevastopol.