Updated September 29, 2026 · VaultCue Editorial Team
Bank Kompanion vs Paysera
Bank Kompanion
Paysera
Higher score in this comparison
Where Bank Kompanion and Paysera differ
| Compare | Bank KompanionReviewSee alternativesSee alternatives | PayseraReviewSee alternativesSee alternatives |
|---|---|---|
| Rate type | Fixed | Variable |
| Access terms | Opened in the Kompanion mobile app, interest paid monthly | Easy-access multi-currency IBAN account with instant SEPA transfers 24/7; account administration free, 10 EUR/month charged only after 1 year with no login or payment |
| Monthly fee | KGS 0 | €0 |
| Account kind | Fixed | Easy access |
| Headline rate | 13% | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
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Key differences
- Paysera is available in 83 more countries.
- Support channels: only Paysera offers Email, Help centre.
Our verdict on each
Bank Kompanion
Bank Kompanion is a fee-free app bank aimed at travelers who hold several currencies. The everyday account costs KGS 0 a month, and the savings side pays a fixed rate of 13% with interest credited monthly, well above the 3.08% for savings accounts on the site.
Paysera
Paysera suits businesses holding several currencies and settling in euro. Fees are €0 a month, the rate is variable, and balances sit under EU DGS up to EUR 100,000.
Score breakdown
| Area | Bank Kompanion | Paysera |
|---|---|---|
| Cost | Not confirmed | 9.1Monthly fee is €0 and transfers in other currencies carry €0, with a variable rate. |
| Offer | Not confirmed | 9.1 |
How they place
| Ranking | Bank Kompanion | Paysera |
|---|---|---|
| Savings accounts | 737 of 1420 | 288 of 1420 |
| Money transfer services | 604 of 1564 | 220 of 1564 |
| Multi-currency accounts | 269 of 348 | 115 of 348 |
Licences and countries
| Country | Bank Kompanion | Paysera |
|---|---|---|
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_300060819 |
Additional countries for Bank Kompanion: 1. Additional countries for Paysera: 84.
Where these facts come from
Bank Kompanion
- kompanion.kg: 9 facts, checked September 26, 2026
Paysera
- paysera.com: 6 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Bank Kompanion | Paysera |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Kompanion Bank CJSC (Bank Kompanion JSC) | "Paysera LT", UAB |
| Headquarters | Kyrgyzstan | Lithuania |
| Support channels | Phone | Phone, Email, Help centreCovers more |
Everyday accounts
| Fact | Bank Kompanion | Paysera |
|---|---|---|
| Licence type | Not confirmed | E money |
| Currencies | 5 | 30Higher |
| Audience | Travelers | Business |
| Features | Free ATM | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client) |
Money transfer
| Fact | Bank Kompanion | Paysera |
|---|---|---|
| Delivery time | instant | Immediately in EUR within Paysera network and SEPA; USD from 1 hour up to 1 business day; GBP 1 to 3 business days |
| Payout methods | Card, Wallet | Bank, Cash pickup, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Bank Kompanion | Paysera | Median |
|---|---|---|---|
| Headline rate | 13%highest quarter | Not confirmed | 3.25% |
Median across 658 listed accounts.
Pros and cons
Bank Kompanion
Pros
- The account covers 5 currencies and includes free atm, which suits people who move money across borders.
- Interest on the savings deposit is credited monthly rather than at the end of a term.
- Transfers arrive instant and pay out to card and wallet.
Cons
- Support runs on phone only, so email and help centre support are not part of the offer.
- Savings sit in a fixed deposit, so the money is tied rather than available on demand.
- Currencies are limited to 5, well short of the 350 seen across the site.
Paysera
Pros
- Account administration is free, with a monthly charge only after a long stretch with no login or payment
- Balances are covered by EU DGS up to EUR 100,000 under the EU deposit guarantee
- 30 currencies with iban for receiving payments
Cons
- The rate is variable, so the return on balances can change
- Transfers in other currencies carry €0 and can take longer than euro ones
- The account is digital only, so everything runs through the app
Who each suits
Bank Kompanion
Who it suits
- Travelers who hold more than one currency and want one app for the lot.
- Anyone after a fixed return without a monthly account charge.
- People who prefer to sort an account question over the phone.
Who should look elsewhere
- Plazo ES, if the headline rate of 24.19% is the number that decides it.
- AXI Card Tarjeta y Credito, whose 21.59% headline rate sits above the deposit rate here.
- PayPal Colombia, whose 3.3% headline rate is well below the savings rate on offer.
Paysera
Who it suits
- Businesses that invoice in several currencies and settle in euro
- Firms paying suppliers abroad through SEPA transfers
- Anyone who wants a euro IBAN with no monthly charge
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose rate is fixed and suits card users rather than multi-currency holders
- Plazo ES, whose rate is fixed for a fixed term rather than easy access
- XTB, whose FSCS up to GBP 85,000 sits under a different scheme
Country by country
| Country | Bank Kompanion | Paysera |
|---|---|---|
| Albania | No | Yes |
| Algeria | No | Yes |
| Argentina | No | Yes |
| Armenia | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Azerbaijan | No | Yes |
| Bahrain | No | Yes |
8 of 85 countries where either is available.
Questions about each
Bank Kompanion
How much does a Bank Kompanion account cost to run?+
The everyday account carries a monthly fee of KGS 0, and the bank sells itself on a no monthly fee model. Transfer payouts can go to card and wallet, so the running cost of holding the account stays at the minimum. Savings rates are quoted separately from account charges.
What rate does the Bank Kompanion savings deposit pay?+
The deposit pays 13% at a fixed rate, with interest credited monthly. That sits well above the 3.08% for savings accounts on the site, though ranks move with the market. Because the account is fixed, the rate is set when you open the deposit.
Paysera
How much does a Paysera account cost each month?+
Account administration is free, and the monthly fee is €0. A charge applies only after a full year with no login or payment, so a quiet account is not billed for the first stretch. There is also a fee per transfer once the free allowance is used up.
What happens to my money if Paysera fails?+
Eligible balances are covered by EU DGS up to EUR 100,000, which is paid by the national deposit guarantee scheme. The licence behind the account is PSD_EMI LT_LT_BL_300060819. Balances held above the guarantee limit sit outside that cover, so larger sums may be worth keeping elsewhere.
Other options to compare
Other matchups
Related by the facts
Bank Kompanion
Paysera