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

[eniver]

I would add https://www.paydo.com/

PayDo offers opening a merchant account for forex and crypto business in USD, EUR, GBP, and RUB for accepting card payments from individuals;
European IBAN account for non-European residents. Both personal IBAN and Shared one;
Dynamic currency conversion. Conversion takes place in real-time at the current rate of the issuing bank;
Remote opening of a bank account without unnecessary paper routine and visits to the bank;

[1715238997]

1715238997

[1715238997]

1715238997

[1715238997]

1715238997

[1715238997]

1715238997

[1715238997]

1715238997

[freenow]

Any other service that offer unique iban and card please

[joniboini]

Any other service that offer unique iban and card please

Where do you live? Which services have you tried before? I think debit/prepaid card for crypto is quite easy to find nowadays, such as Advcash, Coinbase, etc. Advcash's offer is okay-ish imo, if you're interested in prepaid/debit cards you should take a look at them.

[freespirit]

Some things that need updating:

Personal IBAN:
- https://transferwise.com - (Germany) - Borderless account

Transferwise changed name to Wise a while back.
The IBANs they provide are now registered in Belgium.
In addition they became extremely unfriendly to crypto. They send back incoming transfers even from lending platforms like Nexo.io.

- https://wirexapp.com (Lithuania)

Does not provide IBANs anymore.

[freenow]

Any service that offers more than 3 iban and accept amount higher that 5000euro please 🙏?

[freespirit]

Any service that offers more than 3 iban and accept amount higher that 5000euro please 🙏?

Bunq.com
Not sure how crypto-friendly they are these days. (used to be fine a few years ago)

[freenow]

Any service that offers more than 3 iban and accept amount higher that 5000euro please 🙏?

Bunq.com
Not sure how crypto-friendly they are these days. (used to be fine a few years ago)

Thanks have already used bunq.
Any other suggestion please

[Zedpastin]

I think it would be useful to include in the post how much interest each bank offers. I took a look at some of the banks listed and they are offering 0 interest on money held in their banks. I think it would be good if you include weather the bank accounts are secured by the government in case they go bankrupt to.

[LTU_btc]

I think it would be useful to include in the post how much interest each bank offers. I took a look at some of the banks listed and they are offering 0 interest on money held in their banks. I think it would be good if you include weather the bank accounts are secured by the government in case they go bankrupt to.

I doubt that OP is going to make update. He haven't done it for more than 2 years.
Haven't checked all listed websites, but it's not likely that any of these online banks paying interest. In Europe interest on bank account isn't a thing for long time already. Even if they pay it, rates is such low that's not worth to bother.
And yeah, it would be interesting to know which banks have insured funds in cases of bankrupt.
From what I know, Revolut have insured deposits up to €100 000k. Don't know about others, but probably it wouldn't be difficult to find such information.

[LeGaulois]

Isn't it a law for all european countries? https://ec.europa.eu/info/business-economy-euro/banking-and-finance/banking-union/european-deposit-insurance-scheme_en
I thought....

(most of them listed in the original post are in Europe)

I had a quick look at the list and visited a few of them and none offers a savings solution with a fixed percentage. Nuri (aka Bitwala) on the other hand has an offer with 5% per year on your BTC deposits.

In my country, such offers have a percentage so low that nobody is interested in. It was interesting in the '90z/s but not nowaday

[LTU_btc]

Isn't it a law for all european countries? https://ec.europa.eu/info/business-economy-euro/banking-and-finance/banking-union/european-deposit-insurance-scheme_en
I thought....

(most of them listed in the original post are in Europe)

Yes, it applies if they have bank license. But many of these services don't have bank licesnse and they work as Electronic Money Institution (EMI) and it don't have such requirement.

[countryfree]

Note that Bunq isn't free anymore. Their cheapest package is now 3€/month.

Bankera asks you to tell them your TIN right after you've sent a picture of your passport. It's really getting worse and worse...

[S4ndSt0rm]

DiPocket has a personal IBAN now.

[Theones]

Note that Bunq isn't free anymore. Their cheapest package is now 3€/month.

Bankera asks you to tell them your TIN right after you've sent a picture of your passport. It's really getting worse and worse...

Is there anyway one can open a paypal account in countries where they are not operational.
I have payoneer account but I don't know how to open a paypal account because I difficulty in transaction due to paypal. Anyone can help?

[OmegaStarScream]

Is there anyway one can open a paypal account in countries where they are not operational.
I have payoneer account but I don't know how to open a paypal account because I difficulty in transaction due to paypal. Anyone can help?

That's not something I would recommend doing. The least suspicious activity would result in them freezing your account and asking you to submit your documents.

[hgerson]

DiPocket has a personal IBAN now.

They are changing again.

But IMO DiPocket is one of the best from this list.

[S4ndSt0rm]

Is it time for an updated list?

[NotATether]

Is it time for an updated list?

I agree. But if @HostFat is not here to do it then perhaps you will have to get your hands dirty and at least compile newer information for the neobanks that are already listed. And with a list of supported countries too, as someone on this thread suggested earlier. That part is perhaps the most annoying part because you could find that half of the neobanks on that list are unavailable in your country.

[S4ndSt0rm]

I guess we could restart this by posting which accounts we use that are not in OP list.

I use:

-Verse https://verse.me/en/

-Joompay https://www.joompay.com/

AFAIK they work in any EU country. Not sure about US and rest of the world.

[bullrun2024bro]

No idea, if there will be an update, but you can remove the German Fidor Bank from the OP. It looks like the bank will be liquidated in 2024 and first customers getting their accounts terminated already.

Too bad, it was a well known German crypto bank and it worked super well with Bitcoin.de and Kraken.

Bank in Deutschland wird in Kürze aufgelöst: Erste Kunden erhalten jetzt eine Kündigung

Eine Bank aus Deutschland wird aller Voraussicht nach bald aufgelöst. Nun berichten erste Nutzer, dass sie ein Kündigungsschreiben erhalten haben.

Source: Chip.de Fidor Bank Liquidation