Bankera is a European digital bank (Neobank) offering e-money wallet services and IBAN bank accounts starting with LT from Lithuania. Managed by Pervesk UAB, a Lithuanian e-money institution, Bankera provides SWIFT and SEPA payment accounts, debit cards, and more for both personal and business clients. The bank is particularly suited for users in the digital industry, including those receiving income from cryptocurrency exchanges and affiliate programs. This guide provides detailed information on Bankera account types, conditions, procedures, and fees.

Bankera Account Types

Bankera offers various account types, including:

1. Personal Account (Personal)
   • Eligibility: Residents of EEA (excluding Lithuania), the UK, and Ukraine.
   • Features: Free account opening and VISA debit card application; free ATM withdrawals for the first three transactions per month in EEA and the UK.
2. Personal+ Account (Personal+)
   • Eligibility: Non-EEA residents.
   • Features: Free account opening, no debit card available; mainly used for SWIFT and SEPA payments.
3. Business Account (Business)
   • Eligibility: Traditional industry businesses registered in EEA and the UK.
   • Features: Free account opening, monthly fee of 5 EUR; free company card application; ATM withdrawal fees starting at 2 EUR.
4. Business+ Account (Business+)
   • Eligibility: High-risk industries or businesses registered outside EEA.
   • Features: Account review fee of 450 EUR, monthly fee of 50 EUR; company card fee of 19 EUR plus a monthly fee of 9 EUR; ATM withdrawal fees starting at 5 EUR.
5. Premium Account (Premium)
   • Eligibility: Industries with strict compliance requirements, such as cryptocurrency, iGaming, and payment services.
   • Features: Account review fee of 900 EUR, monthly fee of 200 EUR; company card fee of 19 EUR plus a monthly fee of 9 EUR; ATM withdrawal fees starting at 5 EUR.

Bankera Account Opening Conditions

• Personal Account (Personal): Must be 18 years or older, resident of EEA, the UK, or Ukraine.
• Personal+ Account (Personal+): Must be 18 years or older, non-EEA resident.
• Business Account (Business): Traditional industry business registered in EEA or the UK, requires passing a free account review.
• Business+ Account (Business+): Business registered outside EEA or high-risk industry, requires passing a paid account review.
• Premium Account (Premium): Industry with strict compliance needs, requires passing a paid account review.

Required Documents for Bankera Account Opening

• Personal details and address proof
• Tax Identification Number (TIN)
• Identification document (Passport)
• Compliance selfie

Bankera Account Fees Summary

Bankera Account Opening Process

1. Visit the Bankera website and click “Sign Up.”
2. Verify your email address and phone number.
3. Set a login password, download the app, or log in directly on the website.
4. Complete identity verification by providing personal details, scanning your passport, and taking a compliance selfie.
5. Wait for review, usually within 3 working days.
6. Once you receive your bank account details, you can transfer funds and apply for a debit card.

Bankera offers a range of account types for personal and business use with a straightforward opening process. However, the fee structure can be complex, especially for non-EEA residents or companies. Additionally, international payment fees and minimum charges for SWIFT transfers may make it less ideal for some users. Choose the account type that best fits your needs.