Updated September 28, 2026 · VaultCue Editorial Team
Ebury vs Paysera
Ebury
Paysera
Higher score in this comparison
What sets them apart
| Compare | EburyReviewSee alternativesSee alternatives | PayseraReviewSee alternativesSee alternatives |
|---|---|---|
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Currencies | 140Higher | 30 |
| Local account details | IBAN, UK sort code, Us ACHCovers more | IBAN |
| Transfer fee | Free instant transfers between Ebury holders; other transfer fees quoted per transaction | SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client) |
| Monthly fee | Not confirmed | €0 |
| Licence type | Not confirmed | E money |
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Key differences
- Paysera scores higher overall: 9.1 vs 9.0.
- Paysera is available in 51 more countries.
- Currencies is higher at Ebury: 140 vs 30.
- Local account details: only Ebury offers UK sort code, Us ACH.
- Support channels: only Paysera offers Help centre.
- Pricing model: only Ebury offers Low FX.
- Pricing model: only Paysera offers No monthly fee.
Our verdict on each
Ebury
Ebury suits UK businesses that pay suppliers and collect from customers across many markets, all in one account holding 140 currencies under a low-fx model. Instant transfers between Ebury holders cost nothing, and delivery is Same-day, so routine payments move without a per-transfer charge.
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 | Ebury | Paysera |
|---|---|---|
| Cost | Not confirmed | 9.1Monthly fee is €0 and transfers in other currencies carry €0, with a variable rate. |
| Offer | 9.5Higher | 9.1 |
| Trust | 8.7 | Not confirmed |
Feature by feature
| Local account details | Ebury | Paysera |
|---|---|---|
| IBAN | Yes | Yes |
| UK sort code | Yes | No |
| Us ACH | Yes | No |
Where each is licensed and available
| Country | Ebury | Paysera |
|---|---|---|
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_300060819 |
| United Kingdom | Not confirmed |
Available in 33 countries for both. Additional countries for Paysera: 51.
How they place
| Ranking | Ebury | Paysera |
|---|---|---|
| Business bank accounts | 141 of 563 | 118 of 563 |
| Money transfer services | 254 of 1564 | 220 of 1564 |
| Multi-currency accounts | 136 of 348 | 115 of 348 |
Every fact side by side
| Fact | Ebury | Paysera |
|---|---|---|
| Audience | Business | Business |
| Pricing model | Low FX | No monthly fee |
| Features | Not confirmed | Digital only |
| Legal entity | Ebury Partners UK Limited | "Paysera LT", UAB |
| Headquarters | United Kingdom | Lithuania |
| Founded | 2009 | Not confirmed |
| Support channels | Email, Phone | Phone, Email, Help centreCovers more |
Money transfer
| Fact | Ebury | Paysera |
|---|---|---|
| Delivery time | Same-day | 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 | Bank | Bank, Cash pickup, CardCovers more |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Ebury | Paysera | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | €0at the median | €0 |
| Currencies | 140highest quarter | 30highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Ebury
Pros
- Instant transfers between Ebury holders cost nothing, and other transfer fees are quoted per transaction.
- Eligible deposits sit under FSCS up to GBP 85,000.
- Local pay-in details come with the account, including an IBAN, a UK sort code and US ACH (iban, uk sort code and us ach).
Cons
- Support runs on email and phone only, with no live chat.
- Withdrawals go out to bank accounts, so cards and wallets are not an option.
- Ebury serves business customers, so there is no personal current account here.
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
Ebury
Who it suits
- UK companies that pay suppliers abroad and keep balances in several currencies
- Businesses that want a named UK entity and a deposit scheme behind the balance
- Firms that need local collection details across the main payment markets
Who should look elsewhere
- Not for people who need deposit protection above FSCS up to GBP 85,000, as PayPal Colombia lists FDIC up to USD 250,000.
- Not for readers who want the euro deposit scheme rather than the UK one: Plazo ES lists EU DGS up to EUR 100,000 and Skrill lists EU DGS up to EUR 100,000.
- Not for personal banking, since business is the only audience Ebury serves.
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 | Ebury | Paysera |
|---|---|---|
| Albania | No | Yes |
| Algeria | No | Yes |
| Argentina | No | Yes |
| Armenia | No | Yes |
| Austria | No | Yes |
| Azerbaijan | No | Yes |
| Bahrain | No | Yes |
| Bangladesh | No | Yes |
8 of 84 countries where either is available.
Questions about each
Ebury
What do Ebury transfers cost?+
Instant transfers between Ebury holders cost nothing, and Ebury quotes other transfer fees per transaction, so what you pay depends on the payment you make. Money leaves the account by bank transfer, which keeps the payout options deliberately narrow and easy to follow.
Is my money protected at Ebury?+
The UK service runs through Ebury Partners UK Limited, which is regulated in the United Kingdom by the Financial Conduct Authority. Eligible deposits sit under FSCS up to GBP 85,000, a lower ceiling than the USD limit at PayPal Colombia, where protection reads FDIC up to USD 250,000.
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.
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Ebury
Paysera