Paysera Visa card review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paysera Visa card is an e-money account aimed at business that holds 30 currencies and issues local IBAN details. It suits people and companies paid in several currencies who want local account details for receiving money, and who are content to manage everything in the app.
Key facts
- Best for
- A multi-currency business account with a €0 monthly fee.
- Monthly fee
- €0↗
- Licence type
- E money↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currencies
- 30↗
- Local account details
- IBAN↗
- Transfer fee
- SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client)↗
- Legal entity
- "Paysera LT", UAB↗
- Headquarters
- Lithuania↗
- Support channels
- Phone, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- paysera.com
Money transfer
- Delivery time
- 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, Cash-pickup, Card↗
- Fee to send 1,000
- €0↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- Monthly fee €0, ranked 1 of 500 brands on that measure.
- 30 currencies held, above the multi-currency median of 5.
- Payouts to bank, cash pickup and card, including cash pickup for anyone paid in person.
- Deposit protection of EU DGS up to EUR 100,000 under the EU deposit guarantee.
Cons
- The account is digital only, so there is no branch or counter service.
- Support runs on phone and help centre only, with no chat or email listed.
- SEPA transfers for private clients are free for a set number each month, then a flat charge applies.
Who it suits
- Businesses that invoice and pay out in several currencies
- Freelancers and sole traders who want 30 currencies at no monthly cost
- Anyone paid partly in cash who needs payouts to bank, cash pickup and card
Who should look elsewhere
- Starling readers who want a bank licence, since Paysera holds an e money licence
- Skrill readers who need the wider currency list of 47 currencies
- Anyone who needs branch service, since the account is digital only
Deposit protection
Paysera Visa card holds an e money licence, granted by LT_BL in Lithuania under the number PSD_EMI LT_LT_BL_300060819. Client money with an e-money institution sits under the EU deposit guarantee scheme, and the cover here is EU DGS up to EUR 100,000. The licence type is e money, so the money is held by an e-money institution rather than a bank.
How Paysera Visa card compares
9.1 vs 8.7
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9.1 vs 8.0
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9.1 vs 9.1
9.1 vs 9.2
9.1 vs 8.7
9.1 vs 8.7
9.1 vs 8.7
9.1 vs 9.0Skrill holds 47 currencies against 30 here, so it covers a wider currency list.
9.1 vs 8.7
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
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9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.9
9.1 vs 8.7
9.1 vs 8.5
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9.1 vs 8.5
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9.1 vs 8.2
9.1 vs 8.1- 9.1 vs 8.1
9.1 vs 8.0
9.1 vs 8.0
9.1 vs 8.0
9.1 vs 9.1
Where Paysera Visa card is available
- Licence in Lithuania
- LT_BL (PSD_EMI LT_LT_BL_300060819), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does it cost to keep the account open?+
The monthly fee is €0 and the model is no monthly fee. Starling and Varo also charge £0 and $0, and the site median monthly fee is €0, so nothing here sits above the free end of the market for running an account.
What do SEPA transfers in euros cost?+
A set number of SEPA and SEPA Instant transfers are free each month for private clients, and a flat charge applies to each transfer after that. Euro payments inside the Paysera network and over SEPA arrive immediately, which suits paying suppliers in the euro area.
What about transfers in other currencies?+
Transfers in currencies other than the euro are priced at €0. Timing depends on the currency: euro payments arrive immediately inside the Paysera network and over SEPA, while US dollar and sterling payments take longer, with sterling running to a few business days.
Is my money protected and who regulates it?+
The account runs under an e money licence issued in Lithuania by LT_BL and recorded as PSD_EMI LT_LT_BL_300060819. Client money with an e-money institution sits under the EU deposit guarantee, and the cover here is EU DGS up to EUR 100,000. Balances above that ceiling sit outside the scheme.
How many currencies can I hold?+
The account holds 30 currencies and ranks 32 of 379 brands on that measure. Local account details are issued as iban, so a client in a covered market can be paid like a local transfer rather than as an international one.
How do I get my money out?+
Payouts run to bank, cash pickup and card, so money can go to a bank account, be taken as a card payment or collected as cash in person. Cash pickup suits anyone paid face to face, and the account is digital only, so there is no counter to visit.
Who is the account for, and is it app only?+
The account is aimed at business and is digital only, so everything runs through the app. A monthly fee of €0 keeps running costs low, and holding 30 currencies lets invoices and payouts sit in different currencies without converting first.
How do I get help?+
Support runs on phone and help centre, so you can call or work through the help centre, which holds the fee and transfer details worth checking. The phone line covers a payment in flight, and since the account is digital only there is no branch desk for face to face help.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licence type, Licences
“EntityCode=LT_LT_BL_300060819; EntityType=PSD_EMI; ENT_NAM="Paysera LT", UAB”
- paysera.lv/v2/en-LV/cenas checked September 26, 2026
Backs: Payout methods
“Fees for transfers in euro ... Fees for transfers in currencies other than euro ... Cash pickup transfer ... Transfer to card”
- paysera.lv/v2/en-LV/fees checked September 26, 2026
Backs: Support channels
“FAQ ... Support ... More contacts ... +371 67 881 518”
- paysera.lv/v2/en-LV/fees/currency-conversion-calculator checked September 26, 2026
Backs: Currencies
“With Paysera, you can exchange money to and from almost 30 currencies.”
- paysera.lv/v2/en-LV/fees/euro-transfers checked September 26, 2026
Backs: Transfer fee
“Private: 30 transfers for free, then 0.30 EUR per transfer”
- paysera.lv/v2/en-LV/fees/transfers-in-other-currencies checked September 26, 2026
Backs: Delivery time, Fee to send 1,000
“Reaches the recipient bank ... Immediately ... US dollar (USD) ... From 1 h up to 1 BD ... British Pound Sterling (GBP) ... From 1 up to 3 BD”
- paysera.lv/v2/en-LV/paysera-account checked September 26, 2026
Backs: Audience, Features, Local account details, Pricing model, Monthly fee
“Option to open a business account”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.