Paysera
Paysera is an international electronic money institution licensed by the Bank of Lithuania. It offers a spectrum of services from personal and business accounts to mobile applications, payment cards, and payment processing for e-shops.
Account Types
Personal Plans
| Feature | Paysera Personal Account |
|---|---|
| Monthly Fee | Free |
| Annual Fee | Free |
| Minimum Balance | None |
| Fee Currency | EUR |
| Free ATM Withdrawals | €2,000/mo |
| Card Type | Standard Physical DebitStandard Virtual Debit |
| Billing Model | Free |
| Free Tier | Available Free account with no monthly fee; pay per transaction for transfers and currency exchange. |
| Description | Multi-currency personal account with free registration and no monthly fees, enabling SEPA transfers and online payments. |
Business Plans
| Feature | Paysera Business Account |
|---|---|
| Monthly Fee | €5.00 |
| Annual Fee | Free |
| Minimum Balance | None |
| Fee Currency | EUR |
| Free ATM Withdrawals | €2,000/mo |
| Card Type | Standard Physical DebitStandard Virtual Debit |
| Billing Model | Fixed |
| Free Tier | No |
| Description | Business account with access to multi-currency collections, payments, integration APIs, and team management. |
Visit the provider website for detailed plan comparisons and features
Business Features
Paysera offers Visa Business payment cards (physical and digital) with standard issuance and monthly fees. Card limit daily transactions about 10,000 EUR, cash withdrawal daily 600 EUR. Cards can be issued to additional cardholders aged 14+. No explicit multi-user/team access, API availability, bulk payments, invoicing, payment gateway, or approval workflow features were documented in the provided business legal terms.
Fees & Limits
Rate Source
Own Rate
No markup applied — you get the real exchange rate
| Weekend Markup | None |
| Large Transfer Discount | Transfers over 5,000— discounted fees apply |
| Details | For business accounts, a better, non-specified rate is automatically applied for single transactions over 5,000 EUR. Businesses with regular, large volume exchanges can contact Paysera to negotiate preferential rates. The standard markup percentage is not disclosed. |
| Fee | Details | Amount |
|---|---|---|
| Account Fees | ||
| Monthly Maintenance Fee | Monthly fee applies to business clients (except for Bulgaria, Romania, Kosovo, and Albania)Monthly | €5.00 |
| Transfer Fees | ||
| Sepa Transfer Fee | 30 free transfers per month, then €0.30 per transferPer transaction | €0.30 |
| Swift Transfer Fee | International euro transfer: up to €9,999.99 – €7; from €10,000 – €10 (SHA)Per transaction | €7.00 |
| Internal Transfer Fee | First 30 free transfers per month; thereafter €0.10 per transferPer transaction | €0.10 |
| Incoming Transfer Fee | Free SEPA incoming transfers; TARGET2 system: up to €9,999.99 – €3; from €10,000 – €4Per transaction | Free |
| Other Fees | ||
| Account Top Up Fee Ecommpay | Topping up account by card via Ecommpay (1%)Per transaction | 1.00% |
| Account Top Up Fee Quipu | Topping up account by Mastercard/Maestro (via Quipu), 2.9% min €0.25Per transaction | €0.25 + 2.90% |
Cards
- • Contactless Visa
- • Apple Pay, Google Pay, Samsung Pay
- • ATM: €2,000 free/mo, 1.00% after
- • FX fee: 1.50%
- • Instant freeze
- • Replacement: €5.00
- • Delivery: ~60 days
- • Up to 20 cards
- • Apple Pay, Google Pay, Samsung Pay
- • ATM: €2,000 free/mo, 1.00% after
- • FX fee: 1.50%
- • Instant freeze
- • Up to 20 cards
- • Contactless Visa
- • Apple Pay, Google Pay, Samsung Pay
- • ATM: €2,000 free/mo, 1.00% after
- • FX fee: 1.50%
- • Instant freeze
- • Replacement: €3.00
- • Delivery: ~60 days
- • Up to 10 cards
- • Apple Pay, Google Pay, Samsung Pay
- • ATM: €2,000 free/mo, 1.00% after
- • FX fee: 1.50%
- • Instant freeze
- • Up to 10 cards
Security & Compliance
Regulation
- Financial Regulation
App Security
- Instant FreezeFreeze and unfreeze your card instantly from the app if lost or stolen.
Support & Platforms
Customer Support
- Phone24/7Priority
Direct-dial +44 20 80996963 dedicated priority support likely for business. Direct-dial +44 20 80996963
- Email24/7Priority
Avg response: ~1d
Dedicated account managers likely via email for business
- Live Chat24/7Priority
Avg response: ~5 min
Priority live chat support available for business clients. Human support with AI chatbot triage for English language
- Help Center24/7
Available Platforms
Updated: 2026-02-11
Available in 17 languages, requires iOS 15 or later, some user reviews report support issues and feature transparency problems.
DownloadUpdated: 2026-02-11
50K+ reviews, 100+ countries supported, some user reviews report app bugs and poor customer support, 50K+ downloads implied.
DownloadEligibility
Residents Can Open Account (154)
Send Money To (62)
Supported Currencies36 currencies
Local Account Details3 accounts
Lithuanian IBAN for SEPA payments
UK sort code for GBP transactions
US routing number for USD transactions