Demivolt review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
Demivolt centres on business accounts, card programme infrastructure and white label financial services from a Lithuanian Electronic Money Institution base. It suits companies, fintech firms and platforms that need European IBANs, SEPA and international payment capability with compliance oversight in one place.
Key facts
- Best for
- Companies building regulated payment and card products in Europe.
- Monthly fee
- €0↗
- Card network
- Visa↗
- Currencies
- 11↗
- Legal entity
- Demivolt, UAB↗
- Headquarters
- Lithuania↗
- Support channels
- Email, Chat, Help-centre↗
- Features
- Multi-currency, Virtual card
- Audience
- Business
- Official website
- demivolt.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
Pros and cons
Pros
- Authorised in Lithuania as an EMI supervised by Bank of Lithuania since 2020.
- Participates directly in SEPA using proprietary IBAN infrastructure for business payments.
- Unites business accounts, card programme backing, white label BaaS and compliance controls together.
- Provides virtual IBAN allocation that links inbound transfers to clients or purposes.
Cons
- Serves corporate, fintech and platform use, not personal everyday account holders.
- Directs card offering toward programme creation and scaling instead of single retail cards.
Who it suits
- Companies requiring European business accounts and dedicated IBANs
- Fintech ventures developing scalable card programmes
- Platforms seeking white label finance within clear compliance structures
Who should look elsewhere
- Private users looking for personal current accounts
The company behind it
Demivolt functions as an Electronic Money Institution established in Lithuania and supervised by the Bank of Lithuania since 2020. It maintains principal scheme membership with direct access and participates directly in SEPA through proprietary IBAN infrastructure. The enterprise runs business accounts, payment services, card programme infrastructure and white label Banking as a Service models for corporate clients. Its operational scope covers fintech firms, platforms and partner structures across Europe under a compliance led framework.
How your money is protected
Safeguarding arrangements keep client balances separate with partner credit institutions in line with regulatory obligations. Onboarding controls include KYB and KYC reviews plus sanctions screening for every corporate relationship. Continuous transaction monitoring, risk assessment and fraud review detect unusual activity across accounts and payments. Complaints handling, regulatory reporting support, training and ongoing oversight strengthen the protective environment. You encounter layered checks that govern account use, payment flows and card programme operation without placing balances inside the institution itself.
How Demivolt compares
Where Demivolt is available
- Available
- Everywhere except Afghanistan, Antigua and Barbuda, Anguilla, Angola, Antarctica, Aruba, Barbados, Burkina Faso, Bahrain, Burundi, Bermuda, Brunei, Bolivia, Bahamas, Bouvet Island, Belarus, Belize, Democratic Republic of the Congo, Central African Republic, Côte d'Ivoire, Cook Islands, Cameroon, Cuba, Curacao, Djibouti, Dominica, Algeria, Ecuador, Ethiopia, Fiji, Guernsey, Gibraltar, Guinea, South Georgia and the South Sandwich Islands, Guatemala, Guinea-Bissau, Heard Island and McDonald Islands, Haiti, Isle of Man, Iraq, Iran, Jersey, Kenya, Saint Kitts and Nevis, North Korea, Kuwait, Cayman Islands, Laos, Lebanon, Liberia, Libya, Monaco, Marshall Islands, Mali, Myanmar, Montserrat, Mauritius, Maldives, Mozambique, Namibia, Niger, Nigeria, Nicaragua, Nepal, Nauru, Niue, French Polynesia, Papua New Guinea, Saint Pierre And Miquelon, Palau, Russia, Seychelles, Sudan, Saint Helena, Ascension and Tristan da Cunha, Somalia, South Sudan, Sint Maarten, Syria, Turks and Caicos Islands, French Southern Territories, Tonga, Trinidad and Tobago, Tanzania, Ukraine, United States Minor Outlying Islands, United States, Venezuela, Virgin Islands, British, Virgin Islands, U.S., Vietnam, Vanuatu, Samoa, Yemen, South Africa, Zimbabwe
- Licence in Lithuania
- Bank of Lithuania (77), checked September 26, 2026
- Licence in Lithuania
- LT_BL (PSD_EMI 305562462), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What products does Demivolt provide for businesses?+
Demivolt provides business accounts with dedicated IBANs alongside SEPA and international payment capability. Currency services, cards and virtual IBAN allocation for matching inbound transfers complete the direct corporate proposition available to operating companies. Users manage payments, members and expenses through a single environment.
How does Demivolt support card programmes?+
Programme backing enables firms to launch, administer and expand card products under regulated structures. Infrastructure includes issuance support and sponsor arrangements together with compliance controls that guide operational scaling for fintech and platform builders across European markets.
What does the white label platform include?+
White label and Banking as a Service models deliver embedded accounts, payments, cards and onboarding flows for platforms and partners. Firms adopt defined legal and compliance frameworks that allow branded financial products without constructing independent infrastructure from scratch.
Which company stands behind Demivolt?+
Demivolt acts as the Electronic Money Institution behind the proposition, domiciled in Lithuania. Authorisation and supervision come from the Bank of Lithuania since 2020, with direct SEPA participation and principal scheme membership supporting its operational independence.
Does Demivolt charge a monthly fee?+
The monthly fee at Demivolt is €0. (Source, checked September 26, 2026)
Where is Demivolt based?+
Demivolt is based in Lithuania. (Source, checked September 26, 2026)
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=305562462; EntityType=PSD_EMI; ENT_NAM=Demivolt, UAB”
- demivolt.com checked September 26, 2026
Backs: Audience, Currencies, Features, Monthly fee, Card network, Support channels
“Payment Solutions for your Business. Simplified. ... Demivolt is built for businesses, platforms, fintech companies, programme managers”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.