Bankera review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bankera pairs a personal account with crypto and virtual card features, but the monthly fee of €8.99 sits well above the €0 median on our data. It suits business customers and crypto holders who want fiat and crypto in one Visa debit card.
Key facts
- Best for
- Business customers wanting one Visa debit card for multi-currency spending and crypto
- 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 on the personal account
- Visa debit card, and €200 in free ATM withdrawals
- Currency conversion fee of 1.1% to 1.2% against a category median of 1%
- Operates through Era Finance Ltd under the Bank of Lithuania
Cons
- Monthly fee of €8.99 on the personal account, against a category median of €0
- Currency conversion fee of 1.1% to 1.2% is above the free end of the range on our data
- Support runs on email and help centre only
Who it suits
- Business customers who want accounts and cards in one place
- Crypto holders who spend balances through a Visa debit card
- Anyone who needs a virtual card alongside a physical one
Who should look elsewhere
- Monzo Flex, where the monthly fee is £0
- Wise, which also charges a monthly fee of £0
- Bitpanda, which pairs a monthly fee of €0 with crypto trading
How it compares on our data
On free ATM withdrawals, Bankera ranks 20 of 104, with an allowance of €200 on the personal card. On monthly fee it ranks 360 of 379, reflecting €8.99 for the personal account. The overall score for this brand is 0.5 out of 0.5, and the cost part is 0.5.
How Bankera compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1A monthly fee of €0 for a card aimed at crypto buyers.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
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 is the Bankera personal account?+
The personal account carries a monthly fee of €8.99. That is the main cost to weigh, and it sits above the €0 median we see on crypto cards. Card pricing is listed separately, so check which plan suits how often you use the card.
What does it cost to convert currency?+
The currency conversion fee on the personal card is 1.1% to 1.2%. Our data puts the median for this category at 1%, with a range from 0% to 10.5%. Holding balances in the currency you spend in reduces conversions.
Is the card a debit card and what network does it use?+
The card type is debit and the network is visa. Debit cards draw on account funds rather than credit, so spending stays tied to the money in the account. The account also offers a virtual card alongside the physical one.
How much can I withdraw from ATMs?+
Free ATM withdrawals on the personal card are capped at €200. That allowance places Bankera at 20 of 104 on our data. Card withdrawals beyond the allowance are not free.
Who regulates Bankera?+
The account is provided by Era Finance Ltd, which is registered with the Bank of Lithuania. The licence reference is 17. Lithuania is the country of registration, so check the terms that apply to where you live.
How do I get help?+
Support is offered through email and help centre. That means help is written rather than spoken, so a blocked payment or card issue has to go through email or the help centre. There is no phone or live chat route listed.
Who is Bankera built for?+
The stated audience is business, so the accounts are aimed at business customers. The personal account adds multi-currency, crypto and virtual card features, which suit a sole trader holding several currencies and spending crypto in one place.
How many currencies can I hold?+
The account supports from 14 currencies, and the personal account carries multi-currency features. The exact number depends on the plan, so confirm the currency list for the markets you trade in before opening an account.
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.
Related by the facts
Bankera
Business customers wanting one Visa debit card for multi-currency spending and crypto