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Paysera review

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

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Our verdict

Paysera suits freelancers and small businesses that want several currencies, a card for everyday spending and money kept outside a crypto exchange. The monthly fee is €1, the card is a debit card on visa, 30 currencies are available, and support runs on phone and help centre.

Key facts

Best for
A multi-currency business account with a card for everyday spending.
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

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedIn

Pros and cons

Pros

  • Multi-currency, virtual card and travel features come with an account covering 30 currencies.
  • The card is a debit card on the visa network, so it spends straight from the account balance.
  • The Bank of Lithuania is the named regulator, with bank registration 53 and electronic money licence PSD_EMI LT_LT_BL_300060819.

Cons

  • Paysera charges a monthly fee of €1, where Monzo Flex charges £0 and Wise charges £0.
  • The account is aimed at a business audience, so private users pay for features they never touch.
  • Support runs on phone and help centre only.
Paysera

Ready to try Paysera?

Scored 8.9 / 10 by HodlCue.

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Who it suits

  • Freelancers and small businesses paid in several currencies.
  • Anyone who wants a virtual card for travel and online spending.
  • Businesses keeping money in a bank account rather than on a crypto exchange.

Who should look elsewhere

  • Anyone after a free monthly plan: Monzo Flex charges £0 and Wise charges £0.
  • Buyers who want a crypto card rather than a business account: the Bitpanda card has a monthly fee of €0.

Safety and regulation

Paysera is regulated in Lithuania, where the Bank of Lithuania is named as the regulator. The bank registration is 53 and the electronic money licence reads PSD_EMI LT_LT_BL_300060819. A Lithuanian entity issuing the card means the account sits inside a European supervisory framework, with a named authority to complain to.

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

What does a Paysera card cost each month?+

The card comes with a monthly fee of €1. That is the recurring cost to weigh, and it sits above the free monthly fees at Monzo Flex, £0, and Wise, £0. On monthly fee, Paysera sits at 311 out of 379.

Who is the Paysera account built for?+

It is built for a business audience rather than private users, so freelancers, sole traders and small teams fit it better than household accounts. Business is the most common audience in this category, at 69.6%. The account is run from Lithuania.

Is Paysera regulated and is the money protected?+

Paysera is regulated in Lithuania, where the Bank of Lithuania is named as regulator. The bank registration is 53 and the electronic money licence is PSD_EMI LT_LT_BL_300060819. The card is issued by "Paysera LT", UAB.

How many currencies can I hold and pay in?+

The account covers 30 currencies, and a multi-currency account is the core of the offer. Paying in a different currency means converting first, so the rate applied to the conversion matters as much as the card fee itself.

What kind of card is it, and is there a virtual one?+

It is a debit card on the visa network, drawing on the account balance rather than a credit line. A virtual card is among the features, which suits online-only spending and short-lived card details. If one is declined, support runs on phone and help centre.

How do I get help with a blocked card or a payment?+

Support runs on phone and help centre, meaning a phone line and a help centre are the routes in place. Chat and email do not appear among them, so anyone who prefers written support should weigh that before opening an account. For a declined card, the phone route is the quicker of the two.

Is Paysera a crypto card?+

Paysera is a business account with a payment card, not a crypto exchange. It holds 30 currencies and lists multi-currency, virtual card and travel features. Readers shopping this category for a crypto card may find the Bitpanda card a closer match, with a monthly fee of €0.

Sources

Compiled from 6 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 multi-currency business account with a card for everyday spending.

8.9/10See alternatives