Providers · Business & Personal accounts

OlkyPay

OlkyPay

2 plans in our database · licensed as PI

Data last verified: 21 August 2026

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Independent data. Every figure below comes from OlkyPay's published pricing, checked by hand - never from a sales deal. Missing fees show as “n/a” and are never counted as free. Methodology · Spotted an error? Tell us

Plans & fees

PlanTypeMonthly feeSetupFX feeSWIFT out
Olky AccountpersonalFreeFreen/an/a
Olky Pro Accountbusiness€19.9/moFreen/an/a

* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.

What you get

CardsCrypto-friendly

Regulation

Regulated or registered in Luxembourg.

Regulators: CSSF · ACPR

In the fine print

Conditions from OlkyPay's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.

Pricing

  • Business onlyThe Pro account is aimed at EU-based companies and associations of any form or size (a soft focus, not a strict requirement). Non-EU or otherwise complex cases may be charged hourly research-and-analysis fees, and non-EU residents can face account-opening fees and are asked to contact support with their nationality and country of residence.
  • Business onlyOpening a Pro account via IBAN Express requires a minimum initial credit of 100 EUR for a French IBAN or 700 EUR for a Luxembourg IBAN; there is no opening fee for a French IBAN, but a flat 500 EUR fee for a Luxembourg one.
  • Personal onlyThe personal account opens freely for EU residents; non-EU residents may face account-opening fees and are asked to contact customer support with their nationality and country of residence.
  • What is free is free up to a threshold: incoming wire transfers cost nothing up to €1,500 of incoming movements a month and 0.1% on the excess, and online banking covers 12 transfers a month before charging.
  • Cash withdrawals in euro from another bank ATM inside the eurozone are free within 4 withdrawals a month or €1,000 in total, whichever comes first, and cost 1% on the excess.

Limits

  • The business card allows €40,000 of payments a month and €5,000 of ATM withdrawals a week. The Business Premium card raises that to €25,000 a week and €100,000 a month.
  • Both stay within the balance available on the account or the card: they are ceilings, not credit.

Payments & transfers

  • Euro payments are limited to the SEPA zone.
  • Business onlyThe Pro account offers KYPAY, an on-chain tokenised payment instrument for fiat and stablecoins.
  • The account is euro-only, on a French or Luxembourg IBAN over SEPA: OlkyPay executes payments in euro alone and holds no other currency.

Crypto

  • Olky Group is the majority shareholder of Deskoin, a MiCA-authorised crypto exchange, and runs a live crypto payment solution through which partner companies can accept crypto payments.
  • A wallet that holds both euros and crypto under a single IBAN (OlkyWallet) is still in development.
  • Business onlyA dedicated Pro Olky Account is available for crypto-asset service provider (CASP) activity.
  • The Olky wallet is provided by OlkyWallet, a digital-asset service provider still in the process of being authorised by the AMF and the ACPR.

Will OlkyPay actually accept you?

Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks OlkyPay's published rules on all of them, and shows you the alternatives too.

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