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Paysera review

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

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Our verdict

Paysera suits businesses and frequent travellers who want a single multi-currency account with a debit card and instant SEPA transfers. Deposits are covered by EU DGS up to EUR 100,000, but a monthly fee of €1 and a variable rate type make it a payments account rather than a saver.

Key facts

Best for
A single multi-currency account and card for business and travel money.
Monthly fee
€1↗
Card type
Debit↗
Card network
Visa↗
Currencies
30↗
Legal entity
"Paysera LT", UAB↗
Headquarters
Lithuania↗
Founded
2004↗
Support channels
Phone, Help-centre↗
Features
Multi-currency, Virtual card, Travel
Audience
Business
Official website
paysera.com

Savings

Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Easy-access multi-currency IBAN account with instant SEPA transfers 24/7; account administration free, 10 EUR/month charged only after 1 year with no login or payment↗
Account kind
Easy access↗
Pricing model
No monthly fee

Credit cards

Rewards type
None↗
Card kind
Credit↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • A single multi-currency IBAN with instant SEPA transfers around the clock
  • Eligible deposits are covered by EU DGS up to EUR 100,000
  • A debit card on the visa network, with a virtual card among the multi currency, virtual card and travel options

Cons

  • Paysera charges a monthly fee of €1, while bunq and Wise are listed at €0 and £0
  • Support runs on phone and help centre only, so chat and email are not listed routes
Paysera

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Businesses that want a multi-currency IBAN and a card in the same account, with instant SEPA transfers
  • Frequent travellers who hold several currencies, since the account covers 30 of them

Who should look elsewhere

  • Wise, if you would rather pay £0 a month than €1
  • bunq, since its monthly fee is listed at €0
  • Varo Believe Secured Credit Card, whose monthly fee of $0 comes with a secured credit card rather than a business current account

Deposit protection

Paysera is authorised by the Bank of Lithuania under licence 53, and it is registered as an electronic money institution with reference PSD_EMI LT_LT_BL_300060819. Eligible deposits held in the account are covered by EU DGS up to EUR 100,000, so the balance sits inside the EU guarantee scheme rather than outside it.

The company behind it

Paysera is run by "Paysera LT", UAB, headquartered in Lithuania and founded in 2004. Its permission comes from the Bank of Lithuania under licence 53, alongside electronic money institution status with reference PSD_EMI LT_LT_BL_300060819. If you need help you can use phone and help centre support, which covers phone and a help centre rather than chat or email.

How Paysera compares

Where Paysera is available

Licence in Lithuania
Bank of Lithuania (53), checked September 26, 2026
Licence in Lithuania
LT_BL (PSD_EMI LT_LT_BL_300060819), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Frequently asked questions

How much does a Paysera account cost?+

The card comes with a monthly fee of €1. Account administration is free unless the account sits unused for a long stretch with no login and no payment, when a monthly charge starts instead. Plans differ, so read the fee page for your own account before you sign up.

Is my money protected if Paysera fails?+

Deposits are covered by EU DGS up to EUR 100,000. Paysera is authorised by the Bank of Lithuania under licence 53 and is also an electronic money institution with reference PSD_EMI LT_LT_BL_300060819. The account itself is a multi-currency IBAN with instant SEPA transfers.

What card do I get and does it pay anything back?+

The card is debit and runs on the visa network, with a virtual card among the multi currency, virtual card and travel options. Rewards on the card are none, so spending earns nothing back and the card works as a payment tool rather than a rewards card.

Who is this account built for?+

The audience is business and the account kind is easy access, so it suits a company or a frequent traveller who wants a single multi-currency IBAN. The rate type is variable, which points to holding and paying out rather than earning interest.

How many currencies can I hold?+

You can hold and convert 30 currencies from the same account, and the multi-currency IBAN keeps the balances together. Instant SEPA transfers run around the clock, and a virtual card is available for online payments from the same balance.

What support can I reach?+

Support runs on phone and help centre, which means phone and a help centre. Neither chat nor email appears in the listed channels, so a call is the direct route for a question about a blocked card or a payment.

How does the account handle day to day payments?+

The account is built around a multi-currency IBAN with instant SEPA transfers that run around the clock, so incoming and outgoing payments do not wait for banking hours. The card is debit, which suits a business or traveller who pays and gets paid in more than a single currency.

Sources

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

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Paysera

Paysera

A single multi-currency account and card for business and travel money.

8.8/10See alternatives