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2gether review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

2gether suits euro customers who hold or spend in several currencies and want a digital-only account with no standing charge. The monthly fee is €0, and the conversion fee of 0.95% sits above the 0.5% median in our data, so frequent converters pay more here.

Key facts

Best for
A multi-currency account for euro holders who never want a standing charge.
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0.95%↗
Currencies
300↗
Transfer fee
Free between Bit2Me users via Bit2Me Pay↗
Legal entity
BITCOINFORME, S.L.↗
Headquarters
Spain↗
Founded
2014↗
Support channels
Help-centre↗
Pricing model
No monthly fee, Low FX fees
Features
Digital-only
Official website
bit2me.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
App Store
Elsewhere
XLinkedInTrustpilotyoutube.com

Pros and cons

Pros

  • Monthly fee of €0, so keeping the account open costs nothing
  • Hold and convert across 300 currencies, ranking 2 of 379 on currency count in our data
  • Balances sit under the EU deposit guarantee scheme: EU DGS up to EUR 100,000
  • Transfers between 2gether users are free through the in-app payment route: Free between Bit2Me users via Bit2Me Pay

Cons

  • Currency conversion costs 0.95%, above the 0.5% median, so heavy converters pay for the long currency list
  • Support runs on help centre only
  • The account is digital only, so everyday banking is handled in the app
2gether

Ready to try 2gether?

Scored 8.8 / 10 by VaultCue.

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Who it suits

  • Euro-based customers who earn or spend in more than one currency and refuse a standing charge
  • Freelancers and small businesses that invoice abroad and keep the balance in one place
  • People who bank from a phone and are happy with an app-only product

Who should look elsewhere

  • Skrill, where conversion costs 3.99%, suits customers who convert most weeks
  • PayPal Colombia, with a monthly fee of $0, fits customers whose everyday money is in US dollars
  • eToro, charging a monthly fee of £0, suits sterling holders rather than euro customers

How it compares on our data

On our data, 2gether ranks 1 of 500 brands on monthly fee, at the top of a table where the site median is €0 and the highest charge reaches €449. The currency count places it 2 of 379. The conversion fee lands at 168 of 312.

How 2gether compares

Where 2gether is available

Available
Andorra, Argentina, Armenia, Australia, Austria, Azerbaijan, Belgium, Bhutan, Bolivia, Brazil, Bulgaria, Chile, Colombia, Costa Rica, Croatia, Curacao, Czechia, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Finland, France, French Guiana, Georgia, Germany, Gibraltar, Greece, Guadeloupe, Guatemala, Guyana, Honduras, Hungary, Iceland, India, Ireland, Israel, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mexico, Moldova, Mongolia, Netherlands, New Zealand, Norway, Panama, Paraguay, Peru, Poland, Portugal, Puerto Rico, Romania, Saint Kitts and Nevis, Slovakia, Slovenia, Spain, Suriname, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates, Uruguay
Licence in Spain
Banco de Espana, checked September 26, 2026
Licence in Spain
CNMV, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a 2gether account cost each month?+

The account carries a monthly fee of €0, so there is no standing charge for keeping it open. The stated fee model pairs a no monthly fee with a low conversion rate: no monthly fee and low fx. Budget instead for each currency change you make.

How much does it cost to convert currency?+

Currency conversion is charged at 0.95% each time you change currency. That is above the 0.5% median in our data, so the long currency list carries more of the appeal while the conversion rate is the cost to watch. Skrill charges 3.99% for comparison.

Is my money protected if the provider fails?+

Deposits sit under the EU deposit guarantee scheme: EU DGS up to EUR 100,000. The account runs through BITCOINFORME, S.L., based in Spain and supervised in Spain by Banco de Espana and CNMV, so the money is covered by a statutory EU scheme with a stated ceiling.

How many currencies can I hold at once?+

You can hold and convert across 300 currencies, which places 2gether 2 of 379 on currency count in our data. For customers paid in euro and another currency at the same time, that spread is the main reason to hold the account.

Do I need a branch to bank?+

The account is digital only, so paying, checking balances and transferring all happen in the app. That suits customers who already bank from a phone and want a holding and spending balance, and it is the wrong fit for anyone who needs cash counters or in-person service.

How do I get help if something goes wrong?+

Support runs on help centre only, which means most questions are answered from published help articles. No phone line, email or chat channel is listed for the account, so a blocked payment or a disputed transfer may take longer to resolve than at a bank with a direct line.

What does it cost to send money to another 2gether customer?+

Transfers between 2gether customers are free when they run through the in-app payment route: Free between Bit2Me users via Bit2Me Pay. That keeps splitting bills or sending money to family inside the network cheap, and it is the part of the account that adds value beyond simply holding currency.

Sources

  • bit2me.com/about checked September 26, 2026

    Backs: Currencies, Deposit protection, Features, Founded, Headquarters, Legal entity, Support channels, Licences

    “over 300 cryptocurrencies across more than 100 countries”

  • support.bit2me.com/en/support/solutions/articles/35000170... checked September 26, 2026

    Backs: Currency conversion fee, Pricing model, Monthly fee, Transfer fee

    “Base rate of 0.95% for crypto-to-crypto, euro-to-crypto, or crypto-to-euro conversions; can reach zero at Space Center Level 7”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type.

2gether

2gether

A multi-currency account for euro holders who never want a standing charge.

8.8/10See alternatives