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Satispay review

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

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Our verdict

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%.

Key facts

Best for
A free euro account for daily spending and instant transfers
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
0.5%↗
Local account details
IBAN↗
Free ATM withdrawals
€200↗
Transfer fee
Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR↗
Legal entity
Satispay Europe SA↗
Headquarters
Luxembourg↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Audience
Travelers, Business
Pricing model
No monthly fee, Low FX fees
Features
Free ATM withdrawals, Digital-only
Official website
satispay.com

Savings

Headline rate
2.61%↗
Rate type
Variable↗
Minimum deposit
€0↗
Access terms
Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita↗
Account kind
Easy access↗

Money transfer

Exchange rate markup
0.5% to 1%↗
Delivery time
Real time, instant between Satispay users↗
Payout methods
Bank, Wallet, Card↗
Fee to send 1,000
€0↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
WikidataLinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

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
  • Deposits are covered by EU DGS up to EUR 100,000, with support running on email, phone and help centre

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
Satispay

Ready to try Satispay?

Scored 8.9 / 10 by VaultCue.

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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

Fees and FX

The monthly fee is €0, and free atm and digital only covers free ATM withdrawals up to €200. Sending and receiving money to contacts and SEPA transfers costs €0, while an instant availability top up carries a small charge. Currency conversion costs 0.5%, with a margin of 0.5% to 1% against a site median of 0.5%.

The company behind it

The account runs through Satispay Europe SA, based in Luxembourg and founded in 2014. It is listed by the Commission de Surveillance du Secteur Financier (CSSF) - Albo degli Istituti di Moneta Elettronica and by the CSSF register of investment firms, with balances covered by EU DGS up to EUR 100,000. Support runs on email, phone and help centre.

How Satispay compares

Where Satispay is available

Available
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF) - Albo degli Istituti di Moneta Elettronica (W00000010), checked September 26, 2026
Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF) - Albo delle Imprese di Investimento (P00000555), checked September 26, 2026

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

Frequently asked questions

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.

Is my money protected?+

Yes. Balances are covered by EU DGS up to EUR 100,000. Satispay Europe SA is listed in Luxembourg on the Commission de Surveillance du Secteur Financier (CSSF) - Albo degli Istituti di Moneta Elettronica, and also on the CSSF register of investment firms.

How fast are transfers between contacts?+

Transfers between users are Real time, instant between Satispay users, which is the quickest route on the account. SEPA transfers to other banks run at the standard pace, and the transfer fee between contacts is €0. Payouts can go to a bank, a wallet or a card.

Can I earn interest on the balance?+

The savings pot pays 2.61% at a variable rate, so the return moves with the market. Access terms give immediate availability, no lock in and no withdrawal limits. The minimum deposit is €0, so small sums can start.

Who is the account built for?+

Satispay is aimed at travellers and businesses (travelers and business), and the digital only feature keeps everything in the app. Local account details include an IBAN, so it works like a euro account for wages and direct debits.

How can I get help?+

Support runs on email, phone and help centre, so email, phone and a help centre are all listed. Readers who prefer talking to a person are covered as well as those who write in. The account also carries €200 of free ATM withdrawals.

Sources

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

Not confirmed yet: Licence type, Currencies.

Satispay

Satispay

A free euro account for daily spending and instant transfers

8.9/10See alternatives