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Free Banking & Crypto

IBAN, SEPA transfers, on/off ramp crypto and many more only at Credits.

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Free Banking & Crypto
Free Standard

Free IBAN with
Hassle free

  • Make transfers like a bank
  • Send and receive money to/from anyone
  • Receive your salary and more
  • Buy crypto using IBAN
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    Standard

    Zero fees for buying crypto.

    Unique Credits platform with no intermediaries. Lowest fees in the market.

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    Plans for individuals

    Standard
    Free
    All essentials for local and international payments.
    Premium
    €9.99 /month
    Everything in Free + Debit card + IBAN
    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.

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    Credits.com makes finance simple and borderless. Since 2019, our all-in-one app has helped individuals and businesses send money in real time, manage multiple currencies, issue payment cards, and access professional payment tools—no paperwork, no hassle.

    SECURITY AND EXCHANGE INTERNATIONAL CO INC. (No. 1001014352) is registered MSB with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) (MSB registration number: C100000279) as a payment service provider and for money transferring, foreign exchange dealing, dealing in virtual currencies and Money transferring.



    This website and the services described herein are not intended for persons located or resident in any jurisdiction where such access would violate applicable laws or regulations. Access to this website and our services by persons in such restricted jurisdictions is strictly prohibited unless such access qualifies for a specific exemption under local laws or regulations.

    Nothing on this website constitutes an offer or solicitation to sell products or services in any jurisdiction. However, we may provide services to persons in restricted jurisdictions where they have approached us directly on their own initiative (reverse solicitation). By accessing this website or engaging with our services, you confirm that you have not been solicited by us and that any approach was initiated solely by you.

    For the full terms, please refer to our Terms of Service.

    This website and the services described herein are not intended for persons located or resident in the United Kingdom. Access to this website and our services by persons in the UK is strictly prohibited unless such access qualifies for a specific exemption under UK financial promotions regulations. For the full terms, please read using the Terms of Service for the UK customers.
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