Updated September 29, 2026 · VaultCue Editorial Team
Paysera vs Varo Visa® Debit Card
Paysera
Varo Visa® Debit Card
Higher score in this comparison
Where Paysera and Varo Visa® Debit Card differ
| Compare | PayseraReviewSee alternativesSee alternatives | Varo Visa® Debit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | $0 |
| Licence type | E money | Bank |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| Local account details | IBAN | Us ACH |
| Transfer fee | SEPA/SEPA Instant: 30 free per month, then 0.30 EUR per transfer (private client) | Free |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 30 | Not confirmed |
| Free ATM withdrawals | Not confirmed | $0 |
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Key differences
- Varo Visa® Debit Card scores higher overall: 9.2 vs 9.1.
- Paysera is available in 83 more countries.
- Local account details: only Paysera offers IBAN.
- Local account details: only Varo Visa® Debit Card offers Us ACH.
- Support channels: only Varo Visa® Debit Card offers Chat.
- Features: only Varo Visa® Debit Card offers Free ATM, No credit check.
Our verdict on each
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.
Varo Visa® Debit Card
Varo Visa Debit Card suits US customers who want one card for everyday spending with nothing to pay each month and no charge for spending abroad. Money sits with a bank rather than an e-money wallet, and deposits are covered at FDIC up to USD 250,000.
Score breakdown
| Area | Paysera | Varo Visa® Debit Card |
|---|---|---|
| Cost | 9.1Monthly fee is €0 and transfers in other currencies carry €0, with a variable rate. | 9.4HigherMonthly fee $0 and conversion at 0% sit at the floor of the site's fee ranges. |
| Offer | 9.1 | 9.1Support on email, chat and phone is solid, but the feature list under free atm, digital only and no credit check is short. |
| Trust | Not confirmed | 9.0 |
Availability and regulation
| Country | Paysera | Varo Visa® Debit Card |
|---|---|---|
| Lithuania | LT_BL PSD_EMI LT_LT_BL_300060819 | Not confirmed |
| United States | Not confirmed | FDIC FDIC cert 59190 |
Available in 1 country for both. Additional countries for Paysera: 83.
Positions in our rankings
| Ranking | Paysera | Varo Visa® Debit Card |
|---|---|---|
| Current and checking accounts | 85 of 885 | 70 of 885 |
| Online banks | 85 of 402 | 61 of 402 |
Every fact side by side
| Fact | Paysera | Varo Visa® Debit Card |
|---|---|---|
| Audience | Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM, Digital only, No credit checkCovers more |
| Legal entity | "Paysera LT", UAB | Varo Bank, National Association |
| Headquarters | Lithuania | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Money transfer
| Fact | Paysera | Varo Visa® Debit Card |
|---|---|---|
| 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 | Not confirmed |
| Payout methods | Bank, Cash pickup, Card | Not confirmed |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | Paysera | Varo Visa® Debit Card | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 30highest quarter | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
Median across 536 listed accounts.
Pros and cons
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
Varo Visa® Debit Card
Pros
- The monthly fee is $0, so nothing is charged simply for holding the account open.
- Currency conversion is charged at 0%, so card spending abroad carries no extra charge from the bank.
- The fee on a transfer is listed as free, so paying money in and taking it out costs nothing extra.
Cons
- The account is digital only, one of the features listed under free atm, digital only and no credit check, so there is no branch counter for anyone who prefers to bank in person.
- Payments run on US ACH, us ach, so it is built for a US market rather than for readers who need IBAN or UK sort code details.
- It is a US institution, US, so it suits readers whose money and bills already sit in US dollars rather than euros.
Who each suits
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
Varo Visa® Debit Card
Who it suits
- US customers who want one Visa debit card for everyday spending with nothing to pay each month.
- Travellers and anyone paid in another currency, since conversion is charged at 0%.
- Customers happy to run the account from an app, which is how this account is set up.
Who should look elsewhere
- Anyone who wants euro payments rather than US ACH: AXI Card Tarjeta y Credito, with a monthly fee of €0, sits closer to that.
- Readers who want a wallet rather than a bank account: Skrill matches that shape of service better.
- Anyone whose banking is not US based: XTB is worth a look, since these rails are US ACH, us ach.
Country by country
| Country | Paysera | Varo Visa® Debit Card |
|---|---|---|
| Albania | Yes | No |
| Algeria | Yes | No |
| Argentina | Yes | No |
| Armenia | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Azerbaijan | Yes | No |
| Bahrain | Yes | No |
8 of 84 countries where either is available.
Questions about each
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.
Varo Visa® Debit Card
Is there a monthly fee on the Varo Visa Debit Card?+
No. The monthly fee is $0, so holding the account open costs nothing each month. It is a US bank account with a Visa debit card attached, and no monthly fee is the most common pricing model in the everyday accounts group, so the price of simply keeping it is the least of the things to check.
What does it cost to spend in another currency?+
Currency conversion is charged at 0%, so the card adds no margin of its own on a purchase made abroad. That is the main reason to look at this account for travel money. It sits at 1 of 312 brands on this measure, against a median of 0.5% in our data.
Other options to compare
Other matchups
Related by the facts
Paysera
Varo Visa® Debit Card