Paysera

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Score9.1

Rank#4 of 81

PriceFree

Free planYes

Runs onAndroid, API, iOS, Web

Summary

Paysera Super App brings together personal and business finance features, from daily payments to investments. Its personal account is a free multi-currency IBAN account with instant euro transfers and currency exchange across up to 30 currencies. In listed eligible regions, private clients get 30 free euro SEPA or SEPA Instant transfers monthly; further transfers cost €0.30 each. Users can order and activate a digital Visa card, add it to Apple Pay or Google Pay, adjust spending limits and block the card. The app also lists goal-based savings accounts, physical investment gold, peer-to-peer lending and real estate investing through InRento. Business tools include managing several accounts, receiving transaction notifications and connecting to e-commerce partners. Checkout integrations and API functions cover orders, payments, refunds and webhooks. Paysera says it is licensed as an electronic money institution by the Bank of Lithuania and keeps customer funds separate from company funds. The app is available on Android, iOS and web, with 24/7 support advertised in 20 languages.

Who it is for

Paysera suits people seeking a multi-currency account, euro transfers and a digital Visa card alongside savings or investment options. Businesses may find its account management, e-commerce connections and API features relevant.

What is good

Free multi-currency IBAN account.
Instant euro transfers and currency exchange.
Digital Visa card can be managed in app.
Lists personal savings and investment options.
24/7 support advertised in 20 languages.

What to know first

Free transfer allowance is limited to eligible regions.
Subsequent listed transfers cost €0.30 each.
Checkout Modern currently lists only three available countries.

Verdict

Paysera combines personal and business finance features with a free personal account and a range of payment and investment options. Transfer fees and service availability vary by country; the listed free monthly SEPA allowance applies only in eligible regions.

Paysera plans and pricing

All plans

Free personal Paysera account Free Free personal multi-currency IBAN account · 30 free SEPA/SEPA Instant transfers monthly in listed eligible regions, then €0.30 per transfer · service availability and fees vary by country paysera.com · 2 Oct 2026

Compared on money transfer apps

Free plan: Yespaysera.com
Transfer speed: instantpaysera.com
Exchange-rate model: variablepaysera.com
Mobile platforms: bothpaysera.com
Upfront fee display: Yespaysera.com
Transfer tracking: Yespaysera.com
Scheduled transfers: Yespaysera.com

Facts

Product: Paysera describes its Super App as a place to manage personal and business finances, from everyday payments to investments.paysera.com · 2 Oct 2026
Account: The personal account is a free multi-currency IBAN account, with instant euro transfers and currency exchange.paysera.com · 2 Oct 2026
Transfers: For listed eligible regions, private clients get 30 free euro SEPA or SEPA Instant transfers per month; subsequent transfers cost €0.30 each.paysera.lt · 2 Oct 2026
Currencies: The Super App page says its currency exchange supports up to 30 different currencies.paysera.com · 2 Oct 2026
Card: Users can order and activate a digital Visa card in the app, add it to Apple Pay or Google Pay, manage spending limits, and block the card.paysera.com · 2 Oct 2026
Savings and investments: The app page lists goal-based savings accounts, physical investment gold, peer-to-peer lending, and real estate investing through InRento.paysera.com · 2 Oct 2026
Business tools: The app page says business users can manage several accounts, receive transaction notifications, connect to 13,000+ e-commerce partners, and use customised integration.paysera.com · 2 Oct 2026
E-commerce integrations: Paysera’s developer portal lists Checkout integrations for WooCommerce, OpenCart, PrestaShop, and Shopify, plus direct API integration.developers.paysera.com · 2 Oct 2026
API features: Paysera Checkout Modern offers OAuth2 authentication and real-time webhooks, with endpoints for orders, payments, refunds, and webhooks.developers.paysera.com · 2 Oct 2026
Security and licensing: Paysera says it has been licensed as an electronic money institution by the Bank of Lithuania since 2012 and that customer funds are kept separate from company funds.paysera.com · 2 Oct 2026
Card security: Paysera states that its Visa payment card uses 3D Secure for online purchases and that its systems undergo periodic scanning and external code reviews.paysera.com · 2 Oct 2026
Support: The Super App page advertises 24/7 support in 20 languages.paysera.com · 2 Oct 2026
Platforms: Paysera says the app is available on iOS and Android, and its account agreement says accounts can also be managed online through a profile.paysera.lt · 2 Oct 2026
Availability limit: Paysera Checkout Modern is rolling out market by market and its documentation lists Lithuania, Latvia, and Estonia as currently available.developers.paysera.com · 2 Oct 2026
Company history: Paysera says it began in 2004 and reports that Paysera LT, UAB is registered at Pilaitės pr. 16, Vilnius, Lithuania.paysera.com · 2 Oct 2026