Valyuz

Pricing

• •No price list is published anywhere. Fees are "determined at our sole discretion" and "specific fees applicable to separate Clients may differ based on case-by-case circumstances", so pricing is negotiated individually during onboarding.

Limits

• •No numeric limits are published. The Terms of Use state that the account can be subject to upload, payment and withdrawal limits set by Valyuz at its own discretion, depending on the country of residence, the account's verification status and other factors.
• •The only published figure concerns bulk payment files: a maximum of 5 MB and 250 payments per file, with 150-200 payments per file recommended.

Payments & transfers

• •The restricted-country list is about payment corridors, not about who may open an account: Valyuz presents it as being "unable to receive or send funds to/from certain jurisdictions", and it applies in both directions. Account eligibility and payment corridors are separate matters here.
• •On top of the ban on forex trading as a business activity, "direct payments to/from forex trading companies are also restricted": a restriction on the counterparty, independent of the country involved.
• •Although the account is positioned for business-to-business use, Valyuz can process business payments to individuals, including salaries for employees and contractors.
• •Both payment accounts and client funds/settlement accounts can be opened, which matters for payment providers, marketplaces and other firms that have to keep client money segregated.
• •The account is opened denominated in euro; additional currencies have to be requested at opening or later from support and are subject to availability.
• •Euro payments run on standard SEPA only: SEPA Instant is not supported.
• •Direct debits are not available: "SEPA Core Direct Debit and SEPA B2B Direct Debit are not currently supported by Valyuz".
• •There is no BEN/SHA/OUR charge-bearer choice on euro payments sent via SEPA, since no intermediary banks are involved.

Crypto

• •The "crypto-friendly payments" positioning refers to accepting crypto-adjacent clients, not to crypto features inside the account: no exchange or coin is named anywhere on the site.
• •Direct cryptocurrency activities such as trading, mining, ICOs and STOs sit among the restricted industries: they are assessed individually rather than banned outright.
• •Companies providing services to cryptocurrency-related businesses are explicitly carved out of that restriction ("except providing services to cryptocurrency related businesses").

Business activity

• •Valyuz's published prohibited business lines also cover activities that no standard sector label captures: agricultural chemicals; criminal or illegal activities; immigration services (visa/green card); steroids and other products dangerous to health; home-made alcoholic beverages, cigarettes and tobacco; stolen, counterfeit or pirated goods and intellectual property infringement; financial pyramids, Ponzi and matrix schemes; operating a business that requires a licence without holding one; circumvention devices; offensive material and hate speech; transactions involving live animals; goods subject to export restrictions; audit services; organisation of auctions; sale of traveller's cheques or money orders and currency exchange; binary options; artworks; multi-level marketing; used car and used spare part dealers; cultural objects such as sculptures, antiques and artefacts; furs, bones and ivory; radioactive materials; telemarketing; embassies, diplomatic missions and consulates.
• •Valyuz states that "this list is not exhaustive, and other industries may also be outside of Valyuz's risk appetite", so an activity that is not named can still be declined.
• •B2C and C2B activities and cash-intensive businesses are not prohibited: they sit among the restricted industries and are assessed individually.

Opening an account

• •The onboarding process asks applicants to review the restricted countries and business lines as its first step; no page states whether the list is also used to screen applications.
• •Supported legal entity types: private limited company, public limited company, partnership and foundation.
• •Corporate documents requested include certificate of incorporation, change of name certificate where applicable, directors certificate, shareholder registry or certificate, memorandum and articles of association, group structure where applicable, personal documents for directors and UBOs (passport or ID plus a utility bill) and source of funds/wealth evidence. The exact list varies by account type, jurisdiction, date of incorporation and licensing requirements, and is defined from a corporate questionnaire completed at the start of onboarding.
• •Registration happens only through the website or offline contact by email or phone; there is no in-app signup and no in-app biometric onboarding.
• •A corporate account allows up to 4 signatories, named at account opening; additional signatories or extra features must be requested from support and are subject to risk assessment. Signing rights can be single or joint, and there are three user roles: view-only, payment entry and full access.
• •Only one Valyuz account may be held unless further accounts are approved, and an account can be opened only where doing so is legal in the applicant's country of residence. Valyuz reserves the right to refuse an application at its own discretion and without giving reasons.
• •Any change to directors, shareholders or company structure must be reported to Valyuz with supporting documentation. The account can be blocked or suspended over an expired proof of address or licence, a periodic review questionnaire that is not returned, or lack of response to the bank's requests.
• •Only corporate accounts can be opened. Individual accounts are mentioned in the Terms of Use and the About page still refers to "individuals and businesses", but the product available for onboarding today is corporate only.
• •Account opening goes through a sales contact rather than a self-service signup: after the enquiry the team replies with an introductory call, a fee schedule and an application form listing the KYC documents required.

Countries & residency

• •The list is wider than the usual sanctions baseline and includes jurisdictions that are not under sanctions, such as Panama, Vietnam, the Maldives, Lebanon, Pakistan and Mozambique: it reflects the institution's own risk appetite.
• •The published list still names the Netherlands Antilles, an entity dissolved in 2010, and does not say how its successor territories are treated.

Licence & regulation

• •Valyuz is an electronic money institution, not a bank: client funds are not covered by the Deposit Guarantee Scheme and are instead held in segregated safeguarding accounts at EU credit institutions.