ePayService review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ePayService suits businesses and freelancers who want a Malta-regulated multi-currency account with free ATM withdrawals, though the everyday running costs sit mid-pack against cheaper rivals. The monthly fee of €1.99 and an exchange rate markup of 1.99% sit above the site medians.
Key facts
- Best for
- Business and freelancer accounts that need many currencies and free cash withdrawals.
- Transfer fee
- 0.5% - 3.5% plus fixed fee↗
- Exchange rate markup
- 1.99%↗
- Delivery time
- 1-2 business days↗
- Payout methods
- Bank, Cash-pickup, Wallet, Card↗
- Currencies
- 50↗
- Fee to send 1,000
- €40↗
- Legal entity
- MTACC Limited↗
- Headquarters
- Malta↗
- Founded
- 2007↗
- Support channels
- Email, Help-centre↗
- Official website
- epayservice.com
Everyday accounts
- Monthly fee
- €1.99↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 1.99%↗
- Local account details
- IBAN, Us-ACH↗
- Free ATM withdrawals
- €0↗
- Audience
- Business, Freelancers
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- X
Pros and cons
Pros
- Regulated in Malta by the Malta Financial Services Authority, with the company running since 2007.
- Deposits carry protection of EU DGS up to EUR 100,000 under the EU scheme.
- ATM withdrawals are free, with an allowance of €0.
- The account holds 50 currencies and issues local details that include iban and us ach.
Cons
- The exchange rate markup of 1.99% puts ePayService at position 67 of 107 brands on that measure.
- A monthly fee of €1.99 applies on top of a currency conversion fee of 1.99%, where the site median monthly fee is €0.
- Support runs on email and help centre only, with no listed phone or live chat line.
Ready to try ePayService?
Scored 9.1 / 10 by VaultCue.
Who it suits
- Businesses receiving payments from abroad that want local account details such as iban and us ach.
- Freelancers invoicing across 50 currencies and withdrawing cash often.
- Companies that want an account supervised by the Malta Financial Services Authority.
Who should look elsewhere
- Skrill, whose listed transfer fee applies to card-funded payments, suits people who send straight to a bank account.
- Paysera, which lists no charge for euro transfers to SEPA and Paysera users, suits euro payments.
- PayPal Colombia, whose listed transfer fee pairs a fixed fee with an international percentage, suits cross-border shoppers.
How ePayService compares
9.1 vs 8.0
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.9
9.1 vs 9.1
9.1 vs 8.6
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.4
9.1 vs 8.0
Where ePayService is available
- Available
- Argentina, Armenia, Australia, Austria, Azerbaijan, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Cyprus, Czechia, Denmark, Ecuador, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Ireland, Israel, Italy, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Moldova, Monaco, Mongolia, Netherlands, Norway, Paraguay, Peru, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Thailand, Turkey, Turkmenistan, Ukraine, United Kingdom, Uruguay, Uzbekistan, Vietnam
- Licence in Malta
- Malta Financial Services Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ePayService cost to run each month?+
The account carries a monthly fee of €1.99, above the site median of €0. Currency conversion adds 1.99% on top, so frequent converters pay for the account and for each conversion.
How much does ePayService charge to send money?+
Transfer fees run 0.5% - 3.5% plus fixed fee, with a fixed element of €40 alongside the percentage. Bank transfers typically land within 1-2 business days, so the cost and the speed sit on the same page.
How big is the exchange rate markup?+
The listed markup is 1.99% and the conversion fee is 1.99%, both above the site medians of 0.9% and 0.5%. On markup, ePayService sits at position 67 of 107.
Is my money protected?+
Deposits carry protection of EU DGS up to EUR 100,000 through the EU scheme. The account is supervised in Malta by the Malta Financial Services Authority, and the operating company is MTACC Limited.
How many currencies can I hold?+
The account covers 50 currencies, well above the site median of 5. You can also receive payments on local details that include iban and us ach, which makes supplier invoices easier to settle.
How do I withdraw money?+
Payouts go to bank, cash pickup and wallet, so you can pay out to a bank account, a wallet, a card or a cash pickup point. Bank payouts follow the same timetable, at 1-2 business days.
How do I get help?+
Support runs on email and help centre, so questions go by email or through the help centre. There is no listed phone or live chat line, which matters most when a transfer is delayed.
Who is ePayService built for?+
The stated audience is business and freelancer, so the account is aimed at companies and independent workers rather than everyday personal banking. It fits a business that holds several currencies and pays suppliers abroad.
Sources
- epayservices.com/en/bank-transfers.html checked September 26, 2026
Backs: Currencies, Delivery time
“Payments in 50 local currencies”
- epayservices.com/en/contact-us.html checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“39, Triq Francis Zammit, St. Julians, Malta, STJ3210”
- epayservices.com/en/fees.html checked September 26, 2026
Backs: Exchange rate markup, Payout methods, Transfer fee, Fee to send 1,000
“Debit ePayService Mastercard Standard EUR: Currency Exchange (FX fee) 1.99%”
- epayservices.com/en/index.html checked September 26, 2026
Backs: Audience, Founded
“Freelancers Webmasters IT Companies Affiliate Networks Software Developers”
- epayservices.com/uk/contact-us.html checked September 26, 2026
Backs: Deposit protection
- epayservices.com/uk/fees.html checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Local account details, Monthly fee
“Debit ePayService Mastercard Standard EUR - ATM Withdrawal Fee Per Transaction 2.50 EUR”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
ePayService
Business and freelancer accounts that need many currencies and free cash withdrawals.