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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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  1. Apply
  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

Accounts built for complexity

One consistent card component across every product — no competing calls to action.

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

Account
ServiceRegular SpenderActive Spender
Account openingFreeFree
Additional account opening5 EUR5 EUR
Monthly maintenance fee1 EUR1 EUR
Minimum balanceNoneNone
Account opening
Regular Spender:Free
Active Spender:Free
Additional account opening
Regular Spender:5 EUR
Active Spender:5 EUR
Monthly maintenance fee
Regular Spender:1 EUR
Active Spender:1 EUR
Minimum balance
Regular Spender:None
Active Spender:None
Payments
ServiceRegular SpenderActive Spender
Internal transfer (own network)FreeFree
SEPA incoming transferFreeFree
SEPA outgoing transfer3 EUR3 EUR
SWIFT incoming transfer0.2%, min 10 EUR0.2%, min 10 EUR
SWIFT outgoing transfer0.5%, min 35 EUR0.5%, min 35 EUR
Internal transfer (own network)
Regular Spender:Free
Active Spender:Free
SEPA incoming transfer
Regular Spender:Free
Active Spender:Free
SEPA outgoing transfer
Regular Spender:3 EUR
Active Spender:3 EUR
SWIFT incoming transfer
Regular Spender:0.2%, min 10 EUR
Active Spender:0.2%, min 10 EUR
SWIFT outgoing transfer
Regular Spender:0.5%, min 35 EUR
Active Spender:0.5%, min 35 EUR
Other fees
ServiceRegular SpenderActive Spender
SWIFT/SEPA confirmation15 EUR15 EUR
Payment reversal/return fee65 EUR65 EUR
Account closingFreeFree
Compliance audit50 EUR50 EUR
Official reference letter10 EUR10 EUR
Amendment request15 EUR15 EUR
Standard audit confirmation of accounts and balances100 EUR100 EUR
Fee for holding funds (balance ≥ 20,000 EUR)0.05 EUR per day per each 1 000 EUR0.05 EUR per day per each 1 000 EUR
SWIFT/SEPA confirmation
Regular Spender:15 EUR
Active Spender:15 EUR
Payment reversal/return fee
Regular Spender:65 EUR
Active Spender:65 EUR
Account closing
Regular Spender:Free
Active Spender:Free
Compliance audit
Regular Spender:50 EUR
Active Spender:50 EUR
Official reference letter
Regular Spender:10 EUR
Active Spender:10 EUR
Amendment request
Regular Spender:15 EUR
Active Spender:15 EUR
Standard audit confirmation of accounts and balances
Regular Spender:100 EUR
Active Spender:100 EUR
Fee for holding funds (balance ≥ 20,000 EUR)
Regular Spender:0.05 EUR per day per each 1 000 EUR
Active Spender: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