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paysera.com
Paysera
Paysera gives personal users a free multi-currency IBAN account, instant euro transfers, currency exchange and a digital Visa card. It also lists savings, investments, business accounts and e-commerce tools. In listed eligible regions, private clients get 30 free SEPA or SEPA Instant transfers per…
Visit paysera.com ↗ What it costs
- 9.0 No. 3on Money transfer apps
- Free planprice, as published
- Oct 2, 2026read on
What Paysera costs
- Free personal Paysera account Free
The personal plan is free. In listed eligible regions, private clients can make 30 euro SEPA or SEPA Instant transfers per month without a fee; each later transfer is €0.30.
As paysera.com publishes them, read Oct 2, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Exchange rate
- It variesas stated, Sep 22, 2026
- Fee shown before you pay
- Yes
- How fast it lands
- instant
- Free plan
- Yes
- Free trial
- No
- Runs on
- iPhone Android Web
- Facts on record
- 24
Rate variesFee shown before you pay
Strengths and limits
Strengths
- Free multi-currency personal IBAN account
- 30 free monthly SEPA or SEPA Instant transfers in listed regions
- Digital Visa card with wallet, limit and block controls
- Business accounts, notifications and e-commerce connections
Limits
- €0.30 for each transfer after the monthly free allowance
- Fees and availability vary by country
- Variable exchange-rate model
- Prices for several listed services are not supplied
What Paysera does
Paysera’s Super App manages personal and business finances. Personal users get an IBAN account supporting multiple currencies, instant euro transfers and currency exchange at no account charge.
The app also lists digital Visa cards, goal-based savings, investment products and business account tools. According to Paysera, its exchange service covers as many as 30 currencies.
Fees and plans
The Free personal Paysera account costs free. In listed eligible regions, it comes with 30 euro SEPA or SEPA Instant transfers each month at no charge. Each additional transfer costs €0.30.
Paysera notes that both service access and charges depend on the country. Its exchange-rate model is variable. No free trial is published, and the supplied details do not state prices for the card, savings, investments or other services.
Where it runs
Paysera lists Android, iPhone, web and API access. The mobile app is available on both major phone platforms.
From the app, users can order and activate a digital Visa card, link it with Apple Pay or Google Pay, adjust spending limits and block the card. Business users can oversee several accounts and get transaction notifications.
Paysera Checkout Modern is being released market by market. Current documentation names Lithuania, Latvia and Estonia.
Protection and rules, as Paysera publishes them
Paysera states that the Bank of Lithuania has licensed it as an electronic money institution since 2012, and that customer funds remain separate from company funds.
For its Visa payment card, Paysera states that 3D Secure protects online purchases. It says its systems receive periodic scans and external code reviews.
The Super App page advertises support around the clock in 20 languages.
Strengths
A personal plan provides multi-currency banking details, instant euro transfers and currency exchange without an account fee. Private clients in the listed eligible regions can make 30 euro SEPA or SEPA Instant transfers each month at no charge.
The app brings card controls, payment tools, savings and investment listings into one place. Businesses can oversee multiple accounts and connect with e-commerce services.
Paysera’s developer materials name Checkout connectors for WooCommerce, OpenCart, PrestaShop and Shopify, along with a direct API option.
Catches to check
The free-transfer allowance applies only in listed eligible regions. Country-specific service availability and fees can differ, and transfers after the monthly allowance cost €0.30 each.
Exchange rates are variable. Checkout Modern is currently documented for Lithuania, Latvia and Estonia while rollout continues elsewhere.
The supplied details do not give prices for cards, investments, savings or other services.
Who may want something else
Paysera may not fit someone outside its eligible regions, or a business needing Checkout Modern where it is not yet available.
For invoicing rather than a broad finance app, PayPal Invoicing is another option.
Verdict
Paysera is aimed at people seeking one app that combines a free multi-currency account, euro transfers, exchange and digital-card controls, plus listed savings, investment and business-payment tools. The monthly free-transfer allowance is clearest for private clients in the listed eligible regions.
It is less suitable when country availability is uncertain, when a user needs a fixed exchange cost, or when card and investment pricing must be known in advance. Checkout users also need to confirm that their market is among Lithuania, Latvia and Estonia.
Who it suits
Pick it if
- People needing a free multi-currency account and euro transfers
- Businesses needing accounts, notifications or checkout tools
- Users wanting digital-card controls in a phone app
Skip it if
- You need fixed exchange costs or published prices for every service
- Your country is outside the listed eligible regions
- You need Checkout Modern outside Lithuania, Latvia or Estonia
Facts we read
- AccountThe personal account is a free multi-currency IBAN account, with instant euro transfers and currency exchange. · paysera.com, Oct 2, 2026
- API featuresPaysera Checkout Modern offers OAuth2 authentication and real-time webhooks, with endpoints for orders, payments, refunds, and webhooks. · developers.paysera.com, Oct 2, 2026
- Availability limitPaysera Checkout Modern is rolling out market by market and its documentation lists Lithuania, Latvia, and Estonia as currently available. · developers.paysera.com, Oct 2, 2026
- Business toolsThe 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, Oct 2, 2026
- CardUsers 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, Oct 2, 2026
- Card securityPaysera 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, Oct 2, 2026
- Company historyPaysera says it began in 2004 and reports that Paysera LT, UAB is registered at Pilaitės pr. 16, Vilnius, Lithuania. · paysera.com, Oct 2, 2026
- CurrenciesThe Super App page says its currency exchange supports up to 30 different currencies. · paysera.com, Oct 2, 2026
- E-commerce integrationsPaysera’s developer portal lists Checkout integrations for WooCommerce, OpenCart, PrestaShop, and Shopify, plus direct API integration. · developers.paysera.com, Oct 2, 2026
- Exchange-rate modelvariable · paysera.com, Sep 22, 2026
- Upfront fee displayYes · paysera.com, Sep 22, 2026
- Founded2004 · paysera.com, Sep 28, 2026
- Free planYes · paysera.com, Sep 22, 2026
- HeadquartersVilnius, Lithuania · paysera.com, Sep 28, 2026
On these lists
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Questions
Is a Paysera personal account free?
Yes. The Free personal Paysera account has no charge and includes a multi-currency IBAN account.
How many free transfers are included?
In listed eligible regions, private clients receive 30 euro SEPA or SEPA Instant transfers per month at no charge. Each transfer beyond that costs €0.30.
Does Paysera offer a free trial?
No free trial is published in the supplied details.
Which devices support Paysera?
Paysera lists Android, iPhone, web and API access. The phone app can manage the digital Visa card and account tools.
Where is Paysera Checkout Modern available?
The current documentation names Lithuania, Latvia and Estonia. Paysera says rollout is market by market.
What does Paysera say about licensing and funds?
Paysera states that the Bank of Lithuania licensed it as an electronic money institution in 2012 and that customer funds are kept separate from company funds.
Does Paysera support multiple currencies?
The personal account supports multiple currencies, while Paysera says the Super App exchange service handles up to 30 currencies.
Is Paysera yours?
Claim it for free to correct a fact, and see the places you can buy on The Finance Base.