Providers · Business & Personal accounts

PaYard

PaYard

2 plans in our database · licensed as MSB

Data last verified: 21 August 2026

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Independent data. Every figure below comes from PaYard'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
Personal accountpersonalFreeFreen/a0.4%
Business accountbusinessFreeFreen/a0.4%

* 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

CardsVirtual cardsMulti-currencyCrypto-friendly

Hold up to 4 currencies · local account details in EUR, GBP.

Regulation

Regulated or registered in Canada.

Regulators: FINTRAC

In the fine print

Conditions from PaYard'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 onlyHigh-risk businesses can be onboarded for a one-time 500 onboarding fee, charged in the account's currency (EUR, USD or GBP).
  • Outgoing GBP transfers above £30,000 are charged 0.3% instead of the standard 0.4%.
  • Outgoing EUR transfers above €30,000 are charged 0.3% instead of the standard 0.4%.

Limits

  • Card spending limits depend on your identity-verification tier, not on the plan: Basic (Silver) €9,230/day and €93,200/month; Standard (Gold) unlimited daily and €93,200/month; Full (Platinum) unlimited daily and €2,000,000/month.

Crypto

  • Crypto is held in a self-custody wallet powered by Fireblocks, with in-app conversion between fiat and crypto.
  • Crypto-related services are unavailable to UK residents (UK financial promotion rules), and the digital wallet is not offered within the EU or UK.
  • PaYard is not regulated in the EU and does not apply MiCAR crypto rules.

Will PaYard 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 PaYard's published rules on all of them, and shows you the alternatives too.

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