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Author Topic: [LIST] Free EU bank accounts that you can be opened directly online  (Read 16443 times)
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January 18, 2017, 04:40:35 AM
 #1

This is a list of free banking services (mostly in EU e nearly) that give you the possibility to open an account directly online.
Most of them haven't any connections with the Bitcoin world, but they can be useful for being used with the common Bitcoin exchanges or to buy/sell Bitcoin online on the OTC market.

I'll try to maintain this list updated.


Personal IBAN:
- https://n26.com (Germany) - Full bank - It has the 100000 eur accounts bank account failure protection.
- https://www.bunq.com (Netherlands) - Full bank - It has the 100000 eur accounts bank account failure protection.
- https://revolut.com - (Lithuania)
- https://fidor.de (Germany - German language) - It can be very good because it has likely instant transfer in/out from Kraken - Full bank - It has the 100000 eur accounts bank account failure protection.
- https://glob-coin.com - (France)
- https://transferwise.com - (Germany) - Borderless account
- https://leupay.eu (Malta)
- https://www.icard.com (Bulgaria)
- https://www.paysera.com (Lithuania)
- https://mistertango.com (Lithuania) - Bitcoin friendly - Thread: https://bitcointalk.org/index.php?topic=1709715.0
- http://mycard2go.com - (Germany - Fee)
- https://www.payoneer.com (Registered office USA, account in Germany ) - Strong limitations
- https://www.sogexia.com - (England) - Free but with 2% fee for incoming transfers!
- https://www.fidorbank.uk (England) - Only for UK citizens. - Instant transfer in/out Kraken
- https://monzo.com (England) - Only for UK citizens. (currently)
- https://lunarway.com (Denmark) - Only for in Denmark citizens.
- https://dipocket.org/ - Dedicated (Polish) IBAN, but not in your name (account name: DiPocket Limited - Client Funds)


Personal IBAN - Still closed / partially open:
- https://holvi.com (England?) - Open only to companies (not privates)
- http://bankclearly.co (still closed)


Shared IBAN (they can't be used with exchanges)
- https://wb21.com (Germany) - Discussion: https://bitcointalk.org/index.php?topic=1512385.0
- https://cryptocapital.co - EUR/USD/GBP/... - Dedicated IBAN but not in your name.
- https://www.monese.com - (only GBP now) - It isn't free now.


Instant transfers between accounts of the same service (useful for the OTC market)
- https://n26.com
- https://www.bunq.com
- https://www.paysera.com
- https://leupay.eu
- https://mistertango.com
- https://cryptocapital.co
- https://wb21.com
- https://revolut.com
- https://www.icard.com


If you have some news / feedback, they are appreciated Smiley

The discussion is self-moderated because I hate the sig-spammers.


(original italian discussion)

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January 27, 2017, 09:04:03 AM
 #2

Added a new one on personal accounts: https://www.bunq.com (Netherlands)

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January 27, 2017, 09:19:20 AM
 #3

I guess those services don't work in Europe only as I've seen some people from my country (Algeria) using Paysera and Payoneer before , so It would be nice If you could manage to provide a list for supported countries (probably link users to the FAQ of the service where the countries are mentioned).

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January 27, 2017, 03:12:36 PM
 #4

I dont think its safe to open bank account online. Hackers could get your account if you're not careful.
Its not safe. You should go directly to the bank to open an account.  Anyway, its good to see how banks are embracing new technology now. But its sad because i dont live in EU. I live in Asia. Does anyone know if theres a bank like this here on Asia?



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January 29, 2017, 12:21:54 AM
 #5

Mostly of all these services offer 2FA.

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February 05, 2017, 05:01:31 PM
 #6

Hi, guys

Quote
IBAN Euro account

Any ideas how to buy Bitcoin? Huh
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February 05, 2017, 06:38:06 PM
 #7

Send a SEPA transfer to Kraken, Therocktrading, Bitstamp or any other exchange that support SEPA transfer.

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February 05, 2017, 06:49:44 PM
 #8

https://www.sogexia.com  Personal IBAN GB

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February 05, 2017, 10:04:26 PM
 #9

N26 reopened the registrations ? Because some months ago they closed any new sign up due to too much people
Revolut doesn't let you receive money from a bank account not in your name, it's stopped me to use.
Thanks for the list btw, specially for those with a perso. IBAN

http://veritascard.com/ Perso. IBAN

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February 05, 2017, 10:33:00 PM
 #10

Yes, it is now possible to open accounts on N26 and Revolut is going to give a full personal IBAN (not shared as now) in the coming days.

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February 05, 2017, 11:28:00 PM
 #11

As a user of Paysera I want to add some information. They have list of restricted countries (I think other banks also have) which include Iraq, Cuba, Libya, Liberia, North Korea, Myanmar, Syria, Sudan, Zimbabwe. Other countries marked with * applies with strict identifications and monitoring of business relationships: https://www.paysera.com/v2/en/faq/where-paysera-works
And be careful why using it with bitcoin related transactions, especially if your country marked with *.
From personal experience, I'm using Paysera for almost year and I'm happy with their service.

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February 05, 2017, 11:35:07 PM
 #12

Good. Anyway this isn't free, it costs 29.90 eur every year.

https://www.sogexia.com  Personal IBAN GB
I'm asking them some other informations ...

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February 06, 2017, 04:39:30 AM
 #13

Could you possibly add some information on the safety and soundness of these banks? In the US, banks are insured by the FDIC (up to $250,000), which is backed by the US government and depositors rarely lose money due to bank failures, however I understand this not to be the case with some banks in the EU(?).

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February 06, 2017, 04:41:24 AM
 #14

The only one insured is N26 (currently) for 100000 eur per account.

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February 06, 2017, 04:57:04 AM
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Do you have any information about any of the banks' capital in relation to their total deposits and total assets? Or do you know if this information is fairly easily obtainable from a reliable source somewhere?

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February 06, 2017, 05:08:14 AM
 #16

No, the main goal of this list is finding bank services that are monthly/annually free and that can be opened completely online.

Finding more detailed information is something that every user must do on their own.

Anyway, if someone finds something useful and want to share it with the community, I'll probably add it to the list.

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February 07, 2017, 02:54:40 PM
 #17

Fidor Bank offers free bank accounts to German citizens and UK citizens that they can open directly online.

https://www.fidor.de/

https://www.fidorbank.uk/
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February 07, 2017, 10:36:06 PM
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Good. Anyway this isn't free, it costs 29.90 eur every year.

https://www.sogexia.com  Personal IBAN GB
I'm asking them some other informations ...

Yeah but the card is free, unlike others where it has a cost

Could you possibly add some information on the safety and soundness of these banks? In the US, banks are insured by the FDIC (up to $250,000), which is backed by the US government and depositors rarely lose money due to bank failures, however I understand this not to be the case with some banks in the EU(?).

Some of them, i didn't checked all but Sogexia is an exemple. They are not considered as a bank and don't have any banking licence.They are in partnership with banks (BNP Paribas for exemple about Sogexia). They use escrow services  let's say  Grin... So in case the company goes bankrupt the funds are still protected by the banks, and will be released to the customers. And in case the bank fail, you know, the gov cover the lost...
By not having a banking licence it is also a good point for us. Less power for the gov on our money. Some of us use those as bank only for this advantage

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February 08, 2017, 04:43:27 AM
 #19

Fidor Bank offers free bank accounts to German citizens and UK citizens that they can open directly online.

https://www.fidor.de/

https://www.fidorbank.uk/
Added.

Do you know if deposit/withdrawal to/form Kraken are instant with these bank accounts?

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February 08, 2017, 01:37:54 PM
 #20

Fidor Bank offers free bank accounts to German citizens and UK citizens that they can open directly online.

https://www.fidor.de/

https://www.fidorbank.uk/
Added.

Do you know if deposit/withdrawal to/form Kraken are instant with these bank accounts?

According to this reddit post deposits/withdrawals are instant because the Kraken has a Fidor bank account.


https://www.reddit.com/r/ethtrader/comments/4tyr95/instant_depositwithdrawal_on_kraken/

Quote
For those of you who did not know.. It is possible to deposit and withdraw € instantly and around the clock 7 days a week from/to your debitcard/ EC Card if you have a bank account at Fidor Bank. Fidor Bank is a bank 2.0 from Germany and has partnered with Bitcoin.de and Kraken.

I am Tier 3 customer on Kraken and the first Fiat Deposit took 3 days. Since the bank account was verified my Fiat transfers are realtime. I deposited Fiat at 01:00 in the morning on Sunday and immediately purchased Ether. When i sell Ether i have Fiat on my Mastercard/ EC Card combo immediately.

I did not see this info on Kraken or in reddit so maybe it is helpful to some of you, especially those from Germany who can not use Coinbase
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