Updated September 28, 2026 · VaultCue Editorial Team
Salt Bank vs Satispay
Salt Bank
Higher score in this comparison
Satispay
Salt Bank vs Satispay: the differences
| Compare | Salt BankReviewSee alternativesSee alternatives | SatispayReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | RON 0 | €0 |
| Currency conversion fee | 0%Lower | 0.5% |
| Free ATM withdrawals | RON 900 | €200 |
| Transfer fee | 0 commission for incoming and outgoing payments in Romania | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR |
| Currencies | 19 | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- Salt Bank scores higher overall: 9.5 vs 8.9.
- Satispay is available in 20 more countries.
- Currency conversion fee is lower at Salt Bank: 0% vs 0.5%.
- Support channels: only Salt Bank offers Chat.
- Audience: only Salt Bank offers Expats.
- Audience: only Satispay offers Business.
Our verdict on each
Salt Bank
Salt Bank is built for expats and travellers who bank across Romania and further afield: 19 currencies sit on the same account, local receiving details are iban, and Banca Nationala a Romaniei supervises the bank, with a savings option alongside that pays out at maturity. It scores 7.7 in the comparison.
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Score breakdown
| Area | Salt Bank | Satispay |
|---|---|---|
| Cost | 9.4HigherMonthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania. | 9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. |
| Offer | 9.5HigherA fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000. | 9.3Savings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. |
| Trust | Not confirmed | 8.5 |
Spending 1,000 abroad
Salt Bank
0
0% of 1,000
Satispay
5
0.5% of 1,000
Salt Bank comes out 5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | Salt Bank | Satispay |
|---|---|---|
| Luxembourg | Not confirmed | |
| Romania | Banca Nationala a Romaniei (National Bank of Romania) P.J.R. 40-043 | Not confirmed |
Available in 10 countries for both. Additional countries for Satispay: 20.
How they place
| Ranking | Salt Bank | Satispay |
|---|---|---|
| Savings accounts | 73 of 1420 | 435 of 1420 |
| Online banks | 17 of 402 | 133 of 402 |
Every fact side by side
| Fact | Salt Bank | Satispay |
|---|---|---|
| Audience | Expats, Travelers | Travelers, Business |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Free ATM, Digital only | Free ATM, Digital only |
| Legal entity | Salt Bank S.A. | Satispay Europe SA |
| Headquarters | Romania | Luxembourg |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Savings
| Fact | Salt Bank | Satispay |
|---|---|---|
| Headline rate | 5.3% to 5.9%Higher | 2.61% |
| Rate type | Fixed | Variable |
| Term | 3 to 12 months | Not confirmed |
| Minimum deposit | RON 500 | €0 |
| Access terms | 3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | Salt Bank | Satispay |
|---|---|---|
| Exchange rate markup | Not confirmed | 0.5% to 1% |
| Delivery time | Not confirmed | Real time, instant between Satispay users |
| Payout methods | Not confirmed | Bank, Wallet, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Salt Bank | Satispay | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.5%at the median | 0.5% |
| Currencies | 19highest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
Salt Bank
Pros
- Help is available by email, chat and phone.
- Cash withdrawals come with a free allowance of RON 900.
- Term deposits run in RON, EUR or USD and the interest lands in the current account at maturity.
Cons
- The service is digital only, per free atm and digital only, so there is no branch counter for cash or paperwork.
- Local receiving details are iban only, which limits how money can be received from other markets.
- The fixed deposit needs a minimum of RON 500 and ties the money up for the whole term.
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
Who each suits
Salt Bank
Who it suits
- Expats and travellers named under expats and travelers, who want local and overseas money in the same account.
- Anyone paid in and out in Romania, since 0 commission for incoming and outgoing payments in Romania there.
- Savers who can wait for interest at maturity and collect it in the current account.
Who should look elsewhere
- Not a fee-based decision: Skrill charges €0 a month and eToro £0, so price alone does not separate them.
- Not for people who need UK sort code or US routing numbers for incoming pay, since local details are iban only, the gap to weigh against PayPal Colombia.
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
Current offers
Salt Bank
Current offer
First period offer
Prima luna este gratuit (first month free): First month of any Salt plan free
Applies to the Salt, Salt Everyday and Salt Premium plans on opening
Source, checked September 26, 2026
Bonus
13-lea salariu (13th salary campaign): An extra salary when you bring your salary to Salt
Source, checked September 26, 2026
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Salt Bank | Satispay |
|---|---|---|
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Greece | No | Yes |
8 of 30 countries where either is available.
Questions about each
Salt Bank
What does a Salt Bank account cost?+
The monthly fee is RON 0 and the currency conversion fee is 0%, so there is no monthly or conversion charge to budget for. Payments in and out in Romania run at 0 commission for incoming and outgoing payments in Romania, and cash withdrawals include a free allowance of RON 900. The conversion fee sits at rank 1 among the brands compared.
Is my money protected at Salt Bank?+
Deposits are covered by EU DGS up to EUR 100,000, so a balance up to that limit is repaid by the scheme if the bank fails. The Romanian guarantee fund FGDB guarantees deposits per depositor as well, and the bank answers to Banca Nationala a Romaniei under licence P.J.R. 40-043.
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
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