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Financial infrastructure, quietly run

International accounts and payments for businesses with complex cases.

SEPA, SWIFT, multi-currency IBANs and Mastercard — routed through one account, reviewed individually.

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  2. Verification
  3. Account Active
POLYDIRECTION · BUSINESS IBAN
SEPA Transfers
LT00 XXXX 0000 0000 0000
SEPASample incoming · EUR+ 0,000.00
CARDSample settlement · EUR+ 0,000.00
SWIFTSample outgoing · USD− 0,000.00

Make international payments

Sending and receiving payments between countries is quite a challenge. International wires are expensive while opening a foreign bank account can take weeks and not always possible. Polydirection offers an alternative.

SEPA Transfers

The fastest solution for sending and receiving funds within EU/EEA countries. The fastest solution for cross-border Euro bank transfers to all SEPA countries.

SWIFT Payments

International payments outside the Single Euro Payment Area (SEPA) can be simply made with a classical international SWIFT payment. Available for sending and receiving funds.

Multicurrency

Every IBAN account opened with Polydirection is multi-currency, allowing you to hold any currency. Funds are held in your account in the currency in which they were paid.

Card Payments

Mastercard online card payments are available for EU/EEA businesses. The entire payment journey is managed from start to finish in one place.

Accounts built for complexity

Personal

IBAN account for individuals.

Learn more →

Business

Multi-currency business account.

Learn more →Available on request

Merchant Solutions

Card acquiring for selected business cases — individually assessed.

Request an assessment →

Prepaid

Mastercard prepaid card, own IBAN.

Learn more →

Who we work with

Industries other providers route around — reviewed individually.

Crypto

Exchanges, wallets, on/off-ramp businesses.

Gambling

Licensed gaming and betting operators.

Forex

Brokers and trading platforms.

Dating

Online dating and subscription platforms.

How we work with complex cases

Every application is reviewed individually — not just automated rules. Crypto, gambling, forex and dating businesses get a dedicated manager, not a form letter decline.

Fees

Public rate tables by category.

Account type
Region

Showing rates for Personal · EU

Eligibility for this tariff

EU tariffs apply only when all of the following criteria are met:

  • You are a citizen of the EU or the EEA.
  • You are a resident of the EU or the EEA at the time of account opening.
Good to know
  • Final tariffs are negotiable and may vary from case to case.
  • In some cases, intermediary bank fees may be charged.
  • EU tariffs also apply to customers from the United Kingdom.
  • Effective since 20 October 2023, fees apply to accounts holding a balance of 20,000 EUR or more.

Current account

ServiceValue
Account openingFree
Additional account opening5 EUR
Account opening
Free
Additional account opening
5 EUR

Online account access

ServiceValue
Monthly maintenance fee1 EUR
Minimum balanceNone
Monthly maintenance fee
1 EUR
Minimum balance
None

Payments

ServiceValue
Internal transfer (own network)Free
SEPA incoming transferFree
SEPA outgoing transfer3 EUR
SWIFT incoming transfer0.2%, min 10 EUR
SWIFT outgoing transfer0.5%, min 35 EUR
Internal transfer (own network)
Free
SEPA incoming transfer
Free
SEPA outgoing transfer
3 EUR
SWIFT incoming transfer
0.2%, min 10 EUR
SWIFT outgoing transfer
0.5%, min 35 EUR

Other fees

ServiceValue
SWIFT/SEPA confirmation15 EUR
Payment reversal/return fee65 EUR
Account closingFree
Compliance audit50 EUR
Official reference letter10 EUR
Amendment request15 EUR
Standard audit confirmation of accounts and balances100 EUR
Fee for holding funds (balance ≥ 20,000 EUR)0.05 EUR per day per each 1 000 EUR
SWIFT/SEPA confirmation
15 EUR
Payment reversal/return fee
65 EUR
Account closing
Free
Compliance audit
50 EUR
Official reference letter
10 EUR
Amendment request
15 EUR
Standard audit confirmation of accounts and balances
100 EUR
Fee for holding funds (balance ≥ 20,000 EUR)
0.05 EUR per day per each 1 000 EUR
Card type

Showing card rates for Physical

Card fees

ServiceRegular SpenderActive Spender
Card issuance / replacement fee4 EUR6 EUR
Monthly card feeFree6 EUR
Card top-upFreeFree
ATM cash withdrawal (eurozone)1.35 EUR1.25 EUR
ATM cash withdrawal (non-eurozone)1.5% + 1.5 EUR1.3% + 1.5 EUR
POS / e-commerce purchase (eurozone)0.3% + 0.15 EUR0.25% + 0.15 EUR
POS / e-commerce purchase (non-eurozone)1.5% + 1.15 EUR1.1% + 0.15 EUR
Transaction decline0.5 EUR0.5 EUR
ATM/POS foreign exchange (markup)1%1%
ATM balance enquiry (eurozone)0.5 EUR0.5 EUR
ATM balance enquiry (non-eurozone)1 EUR1 EUR
Express shipping, EU (2–3 days)100 EUR100 EUR
Express shipping, worldwide (3–5 days)150 EUR150 EUR
Regular post shipping (15–20 days)10 EUR10 EUR
Card statement*40 EUR40 EUR
Card issuance / replacement fee
Regular Spender
4 EUR
Active Spender
6 EUR
Monthly card fee
Regular Spender
Free
Active Spender
6 EUR
Card top-up
Regular Spender
Free
Active Spender
Free
ATM cash withdrawal (eurozone)
Regular Spender
1.35 EUR
Active Spender
1.25 EUR
ATM cash withdrawal (non-eurozone)
Regular Spender
1.5% + 1.5 EUR
Active Spender
1.3% + 1.5 EUR
POS / e-commerce purchase (eurozone)
Regular Spender
0.3% + 0.15 EUR
Active Spender
0.25% + 0.15 EUR
POS / e-commerce purchase (non-eurozone)
Regular Spender
1.5% + 1.15 EUR
Active Spender
1.1% + 0.15 EUR
Transaction decline
Regular Spender
0.5 EUR
Active Spender
0.5 EUR
ATM/POS foreign exchange (markup)
Regular Spender
1%
Active Spender
1%
ATM balance enquiry (eurozone)
Regular Spender
0.5 EUR
Active Spender
0.5 EUR
ATM balance enquiry (non-eurozone)
Regular Spender
1 EUR
Active Spender
1 EUR
Express shipping, EU (2–3 days)
Regular Spender
100 EUR
Active Spender
100 EUR
Express shipping, worldwide (3–5 days)
Regular Spender
150 EUR
Active Spender
150 EUR
Regular post shipping (15–20 days)
Regular Spender
10 EUR
Active Spender
10 EUR
Card statement*
Regular Spender
40 EUR
Active Spender
40 EUR
* Card statement for the last 3 months is free.

Card limits

ServiceRegular SpenderActive Spender
ATM — max value per transaction500 EUR500 EUR
ATM — max number per day1010
ATM — max value per day1 000 EUR2 500 EUR
ATM — max value per month15 000 EUR20 000 EUR
E-commerce — max value per transaction2 500 EUR5 000 EUR
E-commerce — max number per day2020
E-commerce — max value per day2 500 EUR5 000 EUR
POS — max value per transaction2 500 EUR20 000 EUR
POS — max number per day2020
POS — max value per day20 000 EUR20 000 EUR
Card max balance20 000 EUR20 000 EUR
Daily top-up limit5 000 EUR5 000 EUR
Monthly top-up limit20 000 EUR40 000 EUR
Yearly top-up limit80 000 EUR200 000 EUR
ATM — max value per transaction
Regular Spender
500 EUR
Active Spender
500 EUR
ATM — max number per day
Regular Spender
10
Active Spender
10
ATM — max value per day
Regular Spender
1 000 EUR
Active Spender
2 500 EUR
ATM — max value per month
Regular Spender
15 000 EUR
Active Spender
20 000 EUR
E-commerce — max value per transaction
Regular Spender
2 500 EUR
Active Spender
5 000 EUR
E-commerce — max number per day
Regular Spender
20
Active Spender
20
E-commerce — max value per day
Regular Spender
2 500 EUR
Active Spender
5 000 EUR
POS — max value per transaction
Regular Spender
2 500 EUR
Active Spender
20 000 EUR
POS — max number per day
Regular Spender
20
Active Spender
20
POS — max value per day
Regular Spender
20 000 EUR
Active Spender
20 000 EUR
Card max balance
Regular Spender
20 000 EUR
Active Spender
20 000 EUR
Daily top-up limit
Regular Spender
5 000 EUR
Active Spender
5 000 EUR
Monthly top-up limit
Regular Spender
20 000 EUR
Active Spender
40 000 EUR
Yearly top-up limit
Regular Spender
80 000 EUR
Active Spender
200 000 EUR

Mobile app for easy access to your funds

Manage transfers, cards and balances on the go.

Download on the App Store

Contact

Talk to a specialist about your business.

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Email [email protected]
Telegram @Polydirection