Euro IBAN account
Open online. Store money and make SEPA transfers.
Scan to download the app
Plans for individuals
| VISA or Mastercard Debit opening | FREE or €5/month* |  |
| Dedicated IBAN opening | FREE or €10/month* | |
| 20+ Multi-Currency Accounts: USD, EUR, CNY, HKD, GBP, AED, and more | |
|
| International Transfers SWIFT in 20+ Multi-Currency | |
50% OFF |
| International Transfers | |
50% OFF |
| SEPA Transfers | |
50% OFF |
| FX Exchange | |
50% OFF |
| Top ups, Withdrawal | |
50% OFF |
| All fees and limits |
* You get an IBAN and a card for free if you monthly use the Credits app and its services. Learn more in the full Fees and Charges section.
Simpler than a bank.
Salaries, utility bills — all through Credits Wallet. As simple as it gets.
Open IBAN online
Open a European IBAN account online with less paperwork.
Store money in IBAN
Your funds are safeguarded under European legislation.
Send and receive online
Make EUR payments through SEPA easily, to and from other accounts.
International transfers
Smooth cross-border transfers for businesses and individuals.
Payments
Send money via SEPA in Europe and worldwide
Money in Credits IBAN accounts is segregated and protected under European legislation.
Send and receive money from friends, family and work through the Credits app.
It’s easier in the app
Questions and Answers
What is a dedicated IBAN account?
This is an individual European EUR account within the SEPA payment system. The IBAN can be opened online through Credits Wallet. This account is convenient for receiving funds and making transfers to friends, family and others.
Money can be easily transferred to a crypto wallet in Credits Wallet for buying and selling cryptocurrency.
How do I open an IBAN account?
First, download the Credits app for iOS or Android, or use the Web App. Then verify your identity to open an IBAN account and debit card with Credits. The entire process is completed online.
Where is the IBAN account opened?
Your IBAN account can be opened online in Credits Wallet. IBAN and debit card services are provided by Unlimint, company number HE 328641, registered at 125 Griva Digeni, Limassol 3101, Cyprus. Unlimint is licensed and regulated by the Central Bank of Cyprus as an Electronic Money Institution with license number 115.1.3.7.
Is my money safe?
Money in individual IBAN accounts is protected under European legislation and is kept segregated from company assets. You can view the Terms and Conditions on our website here.
How much does it cost to open an IBAN?
The cost of opening and maintaining an IBAN account may depend on the applicable fees and service terms in Credits Wallet.
What is the cost of sending money using an IBAN?
Incoming transactions are free.
External transfers in euros via SEPA cost 0.50 EUR per payment. See all fees here.