Providers · Business & Personal accounts

Paysera

Paysera

2 plans in our database · licensed as EMI, banking

Data last verified: 21 August 2026

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Independent data. Every figure below comes from Paysera'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
PersonalpersonalFreeFreen/a€7
Businessbusinessfrom €5/mo ⚠Freen/a€7

* 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

SWIFTCardsVirtual cardsMulti-currency

Hold up to 21 currencies · local account details in BGN, EUR, RON.

Getting in, and what you get

Offers access to credit - the provider doesn't say what kind.

Regulation

Regulated or registered in Lithuania, Albania, Kosovo, Georgia.

Regulators: Bank of Lithuania · Bank of Albania · Central Bank of Kosovo · National Bank of Georgia

In the fine print

Conditions from Paysera'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 accounts cost 5 EUR/month (waived for clients based in Bulgaria, Romania, Kosovo, and Albania); personal accounts are free.

Limits

  • The daily ATM withdrawal ceiling on the Visa card is not final: it can be raised up to EUR 2,000 by asking Client Support.

Payments & transfers

  • Outgoing transfers are temporarily unavailable in several non-core currencies: NOK, SEK, DKK, CZK, AUD, JPY, CAD, HKD, INR, CNY, EGP, MAD, DZD.
  • A Lithuanian IBAN is assigned automatically to every identified client, and euro moves in and out of it over SEPA.
  • The Bulgarian IBAN goes to clients in Bulgaria, and serves to receive BGN from local Bulgarian banks.
  • The Romanian IBAN is not automatic: you ask Client Support for it, and it is open to residents of Romania, to Romanian citizens holding an EU residence permit, and to EU legal entities.

Cards

  • Visa cards (physical and digital) are delivered only to EEA countries; physical cards are temporarily unavailable, and Visa Signature cards are issued only to Paysera Bank Georgia clients.

Crypto

  • Cryptocurrency and virtual-currency activity is prohibited: the account cannot accept payments in unregulated or unsupervised virtual currency, nor buy, convert, or manage it, including receiving transfers from virtual-currency exchangers.

Business activity

  • Gambling and lotteries, and financial and Forex services, are permitted only with a valid EU-member-state licence and Paysera's prior written consent.
  • High-risk activities such as multi-level marketing, luxury goods, antiques and art, precious metals, pharmaceuticals, nuclear energy, and charity face enhanced due-diligence scrutiny.

Opening an account

  • Russian and Belarusian citizens without EU residency cannot open an account, and the Russian rouble (RUB) is not supported.

Sanctions

  • Payments to and from the Ukrainian regions of Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia are prohibited.

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

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