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Paysera review

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

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Our verdict

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.

Key facts

Best for
Businesses paying and receiving in several currencies who want a no-cost euro account.
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
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
€0↗
Account kind
Easy access↗
Legal entity
"Paysera LT", UAB↗
Headquarters
Lithuania↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
paysera.com

Everyday accounts

Licence type
E money↗
Currencies
30↗
Local account details
IBAN↗
Transfer fee
SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client)↗
Audience
Business
Features
Digital-only

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, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInappgallery.huawei.com

Pros and cons

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
  • Support runs on phone, email and help centre

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
Paysera

Ready to try Paysera?

Scored 9.1 / 10 by VaultCue.

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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

Deposit protection

Paysera holds an e-money licence recorded as PSD_EMI LT_LT_BL_300060819 in Lithuania. Funds are covered by EU DGS up to EUR 100,000, so eligible balances are returned by the national deposit guarantee scheme if the firm fails. Balances above that limit are not covered, and e-money balances do not normally carry the wider protection attached to bank deposits.

The company behind it

The account is run by "Paysera LT", UAB, based in Lithuania, under the PSD_EMI LT_LT_BL_300060819 licence. Support is available on phone, email and help centre, so questions can be raised by phone, email or the help centre. The account is digital only and everything is handled in the app rather than in branch.

How Paysera compares

Where Paysera is available

Available
Albania, Algeria, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahrain, Bangladesh, Belgium, Brazil, Bulgaria, Cambodia, Canada, Chile, China, Colombia, Croatia, Cyprus, Czechia, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Ethiopia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Japan, Jordan, Kazakhstan, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Moldova, Morocco, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Oman, Pakistan, Panama, Peru, Philippines, Poland, Portugal, Romania, Saudi Arabia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Tanzania, Thailand, Turkey, Ukraine, United Arab Emirates, United Kingdom, United States, Vietnam
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

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

Frequently asked questions

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.

Which currencies can I hold and get paid in?+

The account supports 30 currencies, and you receive money in your own iban. Payouts are available to bank, cash pickup and card. Incoming euro payments are instant inside the network and over SEPA, so supplier invoices can be settled quickly.

How fast are transfers in other currencies?+

Euro transfers are instant inside the network and over SEPA. Transfers in other currencies take longer, with the time set out for each currency on the fees page. They also carry €0, which is worth checking before a large cross-currency payment.

Is the account available in my country?+

The account is built for euro area payments and carries iban, so it suits people and businesses that pay and receive in euro. Support is available on phone, email and help centre if you need to check before opening. The account is digital only, so all of it runs through the app.

Who is this account for?+

The main audience is business, so it is built around invoices, suppliers and payroll rather than personal saving. It suits anyone working across several currencies who wants to hold balances in each one. The rate is variable, so the account is for holding and moving money rather than growing it.

What interest do I get on my balance?+

The rate is variable, so the return on your money can move over time rather than being locked in. This is an easy-access account, easy access, so the balance stays available for payments. It is better read as a place to hold working money than as a savings product.

How can I get help if something goes wrong?+

Support is available on phone, email and help centre, so you can reach the firm by phone, by email or through the help centre. The account is digital only, which means most day-to-day tasks are handled in the app rather than by post or in person.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Term, Minimum deposit.

Paysera

Paysera

Businesses paying and receiving in several currencies who want a no-cost euro account.

9.1/10See alternatives