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Bankera review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bankera suits people who want one multi-currency debit card with crypto and virtual card options alongside it. The trade-off is cost: the personal account carries a monthly fee of €8.99, and currency conversion costs 1.1% to 1.2%, with €200 in free ATM withdrawals included.

Key facts

Best for
A single multi-currency business account with a Visa debit card attached.
Monthly fee
€8.99↗
Currency conversion fee
1.1% to 1.2%↗
Free ATM withdrawals
€200↗
Card type
Debit↗
Card network
Visa↗
Currencies
from 14↗
Legal entity
Era Finance Ltd↗
Support channels
Email, Help-centre↗
Features
Multi-currency, Crypto, Virtual card
Audience
Business
Official website
bankera.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Multi-currency, crypto and virtual card features sit on the same personal account
  • Visa debit card with €200 in free ATM withdrawals
  • Currencies count of from 14 supported on the account
  • Regulated in Lithuania by the Bank of Lithuania under Era Finance Ltd

Cons

  • Monthly fee of €8.99 applies to the personal account, where bunq and Wise charge €0 and £0
  • Currency conversion costs 1.1% to 1.2%, above the 1% site median
  • Support runs on email and help centre only
Bankera

Ready to try Bankera?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Business-focused users who keep spending across several currencies
  • Anyone who wants crypto features in the same account as a Visa debit card
  • People who want free ATM withdrawals included rather than paid per withdrawal

Who should look elsewhere

  • Anyone who wants a free monthly fee, where bunq and Wise both charge €0
  • Frequent converters who would rather pay the 1% site median rate
  • People who need phone or chat support, since support runs on email and help centre only

How Bankera compares

Where Bankera is available

Available
Everywhere except Belarus, Iran, North Korea, Russia, United States
Licence in Lithuania
Bank of Lithuania (17), checked September 26, 2026

Frequently asked questions

How much does the Bankera personal account cost each month?+

The personal account carries a monthly fee of €8.99. That is a standing cost on the account itself, separate from what you spend on the card. Compare it with bunq at €0 and Wise at £0 if the fee is the deciding factor.

What does Bankera charge to convert currency?+

Currency conversion costs 1.1% to 1.2%. That sits above the 1% site median, so frequent converters pay more here than on the typical card in the comparison. The account supports from 14 currencies, so holding balances in each one can reduce how often you convert.

How many free ATM withdrawals are included?+

The Visa debit card includes €200 in free ATM withdrawals. Bankera ranks at position 24 on that measure among 124 brands, so the allowance is a real benefit but not a standout one.

Is the money held by Bankera regulated?+

The account runs through Era Finance Ltd, which is listed by the Bank of Lithuania. The entity is a licensed participant, so the account sits inside a regulated structure rather than an informal one. Bankera also lists a trust centre for how it handles customer money.

Does the Bankera card work for crypto as well as everyday spending?+

The personal account lists multi-currency, crypto and virtual card as features, so crypto sits alongside the everyday spending side rather than needing a separate provider. The card type is debit on the Visa network, which is the network most of the site ranking sits on.

Is Bankera aimed at personal or business users?+

Bankera describes its audience as business, so the account is built around business money rather than purely personal spending. That shapes the feature list: multi-currency, crypto and virtual card options serve a working balance that moves between currencies.

How do I get help from Bankera?+

Support runs on email and help centre, which means email and a help centre. There is no phone or chat channel in that list, so anyone who wants to talk to someone should check the help centre first. This compares with brands that list phone and chat among their channels.

Is there a cheaper Bankera plan for everyday spending?+

The fee facts here cover the personal account at €8.99, and no free tier is listed. Readers who pay a monthly fee elsewhere, bunq at €0 or Wise at £0, may get more from those accounts at no standing cost.

Sources

  • bankera.com checked September 26, 2026

    Backs: Card type, Card network, Support channels

    “Physical and virtual VISA debit cards linked to your account”

  • bankera.com/affiliate-program checked September 26, 2026

    Backs: Currencies

    “SEPA and SWIFT payments in 14+ currencies”

  • bankera.com/faq/what-is-bankera checked September 26, 2026

    Backs: Audience

    “For businesses, Bankera offers a diverse selection of solutions, including SWIFT and SEPA payments for market players in various industries and geographical locations, as well as corporate Visa cards.”

  • bankera.com/pricing/personal-account checked September 26, 2026

    Backs: Features, Monthly fee

    “Crypto Exchanges (transfers to/from) SUPPORTED; First virtual card order FREE; SEPA and SWIFT payments in 14+ currencies”

  • bankera.com/pricing/personal-card checked September 26, 2026

    Backs: Free ATM withdrawals, Currency conversion fee

    “Enjoy 3 free ATM withdrawals per month; ATM fees - Withdrawals (in Lithuania) FREE up to 200 EUR, 1% above 200 EUR per month”

  • bankera.com/trust-center checked September 26, 2026

    Backs: Legal entity

    “Bankera services are managed by Era Finance Ltd, a registered agent of Pervesk UAB.”

  • lb.lt/en/enforcement-measures-1/view_license checked September 26, 2026

    Backs: Licences

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Bankera

Bankera

A single multi-currency business account with a Visa debit card attached.

8.8/10See alternatives