[LIST] Free EU bank accounts that you can be opened directly online

[freespirit]

BlackCatCard is a new one.

https://www.blackcatcard.com

Not good. They do automatic CRS snitching despite not being required to, therefore leaking your personal and financial information to who-knows-whom:  https://blackcatcard.com/en/legal/crs-fatca.html
Non-bank electronic money institutions are not required to do so. E.g. Transferwise does not: https://transferwise.com/help/17/borderless-account/2932394/borderless-accounts-and-tax

[1714177437]

1714177437

[1714177437]

1714177437

[freespirit]

The last day, I was trying to top up my Revolut account with my Wirex, as usually I was doing, it was my easier way to exit from crypto to fiat, well, Revolut is not accepting anymore Wirex (Declining all from Contis Financial Servicies)

When was this?
The last time I've made a Wirex -> Revolut top up was Aug 17, no problems at all.

[big_daddy]

The last day, I was trying to top up my Revolut account with my Wirex, as usually I was doing, it was my easier way to exit from crypto to fiat, well, Revolut is not accepting anymore Wirex (Declining all from Contis Financial Servicies)

When was this?
The last time I've made a Wirex -> Revolut top up was Aug 17, no problems at all.

I can't do it anymore, my friend is still doing it, as you does, my Wirex is not acceptable 
I moved to Crypto.com VISA, and I'm using all features there directly on their service

[freenow]

Any service that offer iban to can receive a transfer from India??
Have try transferwise but only sepa in europe

[LeGaulois]

Any service that offer iban to can receive a transfer from India??
Have try transferwise but only sepa in europe

All of them listed in the original post can receive a transfer from India. This is not the problem, the problem is India doesn't work with IBAN or SWIFT. So you have to find a bank account in your country providing IBAN numbers (but since your country doesn't have an agreement... The RBI was supposed to adapt its system to deliver IBAN numbers but don't know what it is today).

Perhaps using a 3rd party as a mixer like a payment processor. Send money to your paypal account and then to your neobank account.
But all the list in OP works with SEPA + IBAN and only a few countries use SEPA https://fr.wikipedia.org/wiki/Espace_unique_de_paiement_en_euros#Pays_membres

[anubizz]

Any service that offer iban to can receive a transfer from India??
Have try transferwise but only sepa in europe

As India is no Iban supporting country this will be a problem. But maybe Paysera could be a good choise as they offer the biggest range of partnerbanks spread around the world.

[char27]

Any of these have instant SEPA deposit and withrawal like bunq and revolut?

https://www.ebaclearing.eu/services/instant-payments/participants/

Hello, I'm looking for a reliable EUR bank account for deposit and withdrawal from Kraken, can you recommend some?

N26 and Fidor, other than that I wouldn't try any other. There are Wirex and Bitwala, it's not banks but you still get a dedicated IBAN to send and receive SEPA transfer.
If you read the topic you may find other suggestions and recommendations since your question has been asked several times in this topic

does fidor allow customers from outside of germany?

[LeGaulois]

...

does fidor allow customers from outside of germany?

As the FAQ says: yes but with the condition to live in a country from the EU, EEE, or EFTA

Any of these have instant SEPA deposit and withrawal like bunq and revolut?

https://www.ebaclearing.eu/services/instant-payments/participants/

Read the page, it says RT1 participants, so it's supposed to be YES

RT1 is an instant payment system for real-time payments in € under the SEPA Instant Credit Transfer scheme.
https://en.wikipedia.org/wiki/EBA_Clearing#RT1

[char27]

Read the page, it says RT1 participants, so it's supposed to be YES

RT1 is an instant payment system for real-time payments in € under the SEPA Instant Credit Transfer scheme.
https://en.wikipedia.org/wiki/EBA_Clearing#RT1

Sorry I mean, are there more EU bank accounts that can be opened by foreigner that have Instant SEPA, other than revolut , bunq and fidor?

[freenow]

Any service that offer iban to can receive a transfer from India??
Have try transferwise but only sepa in europe

As India is no Iban supporting country this will be a problem. But maybe Paysera could be a good choise as they offer the biggest range of partnerbanks spread around the world.

For non Indian nationality is any bank that i can open online bank account??
Pleased any knowing here

[Logan4el]

My experience with Bunq. My bank is not cryptofriendly so I had to use something in a middle to topup Binance with fiat. I have sent 100 and 500 eur instantly. After I sent 5000 euro and my account was blocked. Normally bank should have asked for documents to prove that funds are coming from the legal source. Not the case with Bunq. Not sure if they ever will refund my 5000 euro.

[LeGaulois]

My experience with Bunq. My bank is not cryptofriendly so I had to use something in a middle to topup Binance with fiat. I have sent 100 and 500 eur instantly. After I sent 5000 euro and my account was blocked. Normally bank should have asked for documents to prove that funds are coming from the legal source. Not the case with Bunq. Not sure if they ever will refund my 5000 euro.

Perfect, if you wanted to see them freezing your account. 5 000€ is exactly what was needed 

On a serious note, you can be sure they will refund the full amount because it is mandatory. They have no right to keep the funds, even if you don't provide a document explaining the source of the funds. It's like this with any banks (at least in Europe)
Now the next step, since your account is dead, they're supposed to contact you to ask for the IBAN from another bank to send you your balance before closing your account.
It's something that can easily take 30 days

[Logan4el]

My experience with Bunq. My bank is not cryptofriendly so I had to use something in a middle to topup Binance with fiat. I have sent 100 and 500 eur instantly. After I sent 5000 euro and my account was blocked. Normally bank should have asked for documents to prove that funds are coming from the legal source. Not the case with Bunq. Not sure if they ever will refund my 5000 euro.

Perfect, if you wanted to see them freezing your account. 5 000€ is exactly what was needed 

On a serious note, you can be sure they will refund the full amount because it is mandatory. They have no right to keep the funds, even if you don't provide a document explaining the source of the funds. It's like this with any banks (at least in Europe)
Now the next step, since your account is dead, they're supposed to contact you to ask for the IBAN from another bank to send you your balance before closing your account.
It's something that can easily take 30 days

What they actually did.. they refunded my last payment to them with description "Refund because of closed bunq account". But the refund amount was 5 euro instead of 5000 euro. I was trying to get a purpose of this payment several times, no results.. Also finally told me "investigation" may take few months.

[aesma]

bunq, funny name for a bank ! I can understand that 5000€ could raise some red flags, well not really in fact, but outright closing the account, that's ridiculous. They want only poor clients, is that a new concept ?

Or it might be an indication that you're already being investigated for money laundering and part of some lists banks have access to ?

[Logan4el]

As a bank we are legally required to protect our users and the integrity of the banking system. Therefore, we continuously monitor our users’ transaction activity as required by law to prevent any misuse of accounts.

As a result of our review of your transaction activity, our Compliance team concluded that the payment behaviour on your account was not in line with the expected use of our services and our Terms and Conditions. We have to inform you that we are no longer able to offer our services and we have to close your bunq account in line with Chapter 50 (Chapter 48 for Business) of our Terms and Conditions: https://www.bunq.com/terms

We may hold your funds after the closure of your account to cover any debts to us, payments that you approved before your account was closed or legitimate claims and rights of third parties.

What kind of debts do they expect from 0 days FREE account with 2 top up transactions from my another bank account. 

[freespirit]

My experience with Bunq. My bank is not cryptofriendly so I had to use something in a middle to topup Binance with fiat. I have sent 100 and 500 eur instantly. After I sent 5000 euro and my account was blocked. Normally bank should have asked for documents to prove that funds are coming from the legal source. Not the case with Bunq. Not sure if they ever will refund my 5000 euro.

They don't like being used as a "transit" bank. (when you only transfer to an account elsewhere in your own name, or the other way around) They were about to close my account for the same reason a few years back. I've managed to convince them to let me keep using the account on the condition that I will use it "normally" as well. (I've promised to use it for payments with their card/paypal/SEPA etc, and I did) Try to negotiate with them in the same vein, it might work.
It's not the amount that is the problem, at least it was not back then. 5000 EUR is nothing, I've moved a lot more.

[freespirit]

As a bank we are legally required to protect our users and the integrity of the banking system. Therefore, we continuously monitor our users’ transaction activity as required by law to prevent any misuse of accounts.

As a result of our review of your transaction activity, our Compliance team concluded that the payment behaviour on your account was not in line with the expected use of our services and our Terms and Conditions. We have to inform you that we are no longer able to offer our services and we have to close your bunq account in line with Chapter 50 (Chapter 48 for Business) of our Terms and Conditions: https://www.bunq.com/terms

We may hold your funds after the closure of your account to cover any debts to us, payments that you approved before your account was closed or legitimate claims and rights of third parties.

What kind of debts do they expect from 0 days FREE account with 2 top up transactions from my another bank account. 

That's a risk management thing. My guess is because you are just moving money from an account in your own name at another bank to Bunq (also to an account in your own name) and then straight to Binance, it's a transaction that does not make any economical sense and might correspond to some money laundering patterns they are looking out for. (say if your originating account was hijacked and the acc. at Bunq is just being used as a layover to make it more difficult to recover funds stolen from your acc.) They don't know that there is a sensible reason behind what you are doing. Tell them. (that your bank is not crypto-friendly)

[racminer]

Hi everyone
Any of these banks work with binance exchange?
Thanks.

[LTU_btc]

Hi everyone
Any of these banks work with binance exchange?
Thanks.

I have experience just with few of these banks. So, from my experience I can tell that Revolut works with Binance, didn't had any issues so far.

[offshorepredator]

Hi to all,

Have you had any experience with Moneyvault  www.moneyvault.online ?

They are based in the UK. They do not accept offshore and just for the EU and UK residents. IBAN(BG) EUR only now (Corporate and Individual account IBANs). They do require 2 proofs of address!!

Received their Mastercard debit card today.

Question: Any experiences?? Do they report?