Notre verdict
Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses. Its interface is more functional than flashy, but the pricing is among the cheapest in the EU.
Avantages
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
- EEA e-money licensed since 2004
- Payment gateway and API for merchants
Inconvénients
- Interface feels dated
- Support is mainly online
- Card availability varies by country
- Less consumer-polished than neobanks
Frais et infos clés
| Inscription | Free |
|---|---|
| Frais mensuels | Free account |
| Envoyer / recevoir | Low SEPA fees |
| Taux de change | Competitive conversion |
| Retraits | Low ATM fees |
| Carte | Yes — Visa debit (region-dependent) |
| Disponibilité | EEA + global transfers |
| Devises | 20+ currencies |
| Création | 2004 |
| Siège | Vilnius, Lithuania |
| Réglementation | Bank of Lithuania (EMI) |
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Paysera — frequently asked questions
Is Paysera safe to use?
Paysera is regulated by Bank of Lithuania (EMI) and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Paysera charge?
Account/monthly fee: Free account. Sending or receiving: Low SEPA fees. Currency conversion: Competitive conversion. Withdrawals: Low ATM fees. Fees can change and may vary by country, so always confirm the latest terms on the official Paysera site.
Which countries can use Paysera?
Paysera is available in EEA + global transfers. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Paysera offer a card?
Yes — Visa debit (region-dependent). It supports 20+ currencies.
What is Paysera best for?
Paysera is best for cheap sepa transfers & small-business accounts. Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses.
Who is behind Paysera and where is it based?
Paysera launched in 2004 and is based in Vilnius, Lithuania, regulated by Bank of Lithuania (EMI).
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