Bankera Review 2026: Crypto-Friendly Business Account
Bottom line
Bankera is a Lithuanian EMI that openly serves crypto, forex and other high-risk businesses with cheap SEPA and fiat+crypto in one account - but a Lithuanian IBAN and safeguarding, not DGS.
| Rating | 3.6 / 5 |
| Type | EMI (operated by UAB Pervesk, EMI Licence No. 17, Bank of Lithuania — not a bank) |
| Best for | Crypto, forex & other “high-risk” EU/international businesses that mainstream banks reject |
| Serves | Worldwide except USA & sanctioned countries. Malta: yes. Cyprus: yes (both EEA) |
| Deposit protection | Safeguarding only — no DGS (100% client-fund segregation, but no €100k guarantee) |
| Pricing from | €5/mo (free tier: no) |
TL;DR: Bankera is a Lithuanian e-money institution that openly welcomes crypto, forex and other high-risk businesses — a niche most banks and fintechs avoid. It runs its own EMI licence (via UAB Pervesk, Bank of Lithuania), offers cheap SEPA and a single account for fiat plus crypto, but issues a Lithuanian IBAN and gives you safeguarding rather than a deposit guarantee.
Availability & countries
Bankera serves companies, freelancers and individuals almost anywhere — worldwide except the USA and sanctioned countries. EEA businesses, including those in Malta and Cyprus, are fully supported.
- Malta: Yes (EEA-supported; a Bankera-linked entity is even Malta-registered).
- Cyprus: Yes (EEA-supported).
- Notably, it onboards crypto exchanges, brokerages, mining operations, iGaming and PSPs — high-risk sectors most providers reject — subject to enhanced verification.
- Your account comes with a Lithuanian IBAN, not a local Maltese or Cypriot one.
Regulation & deposit protection
Bankera is a licensed Electronic Money Institution (EMI), not a bank. It operates through UAB Pervesk, which holds EMI Licence No. 17 from the Bank of Lithuania, passported across the EU.
- Client money is safeguarded with 100% segregation from the company’s own funds.
- There is no Deposit Guarantee Scheme (DGS) — the €100,000 protection banks carry does not apply.
- For high-risk/crypto businesses, expect heavier KYC and a more involved approval process.
Pricing
Bankera has no free business tier. There are three business plans, with Class A aimed at crypto/high-risk clients.
| Plan | Monthly | SEPA out | SEPA in | SWIFT out | SWIFT in |
| Business | €5 | €0.10 | Free | 0.2% + €7 | €18 |
| Business+ | €50 | 0.04% (min €2, max €200) | Free | 0.2% + €7 | €18 |
| Class A | €200 | 0.04% (min €2) | 0.5% | 0.5% | 0.5% |
- Inactivity fees: €25/mo after 12 months idle (Business); up to €200/mo (Business+/Premium) — watch these.
- FX, card and ATM fees: not cleanly published in current public sources — confirm on Bankera’s live pricing page before relying on them.
Key features
- Dedicated Lithuanian IBAN; multi-currency in EUR, GBP and USD.
- SEPA, SEPA Instant and SWIFT payments.
- Crypto built in — store, exchange and transfer cryptocurrency alongside fiat, and send/receive to crypto exchanges.
- High limits on standard business accounts (around €50k per transaction, €100k/day, €300k/month outgoing; no incoming cap).
- API access and fully online onboarding.
Pros
- Genuinely crypto- and high-risk-friendly — rare among EU EMIs
- Holds its own EMI licence (Pervesk No. 17) with direct SEPA access
- Fiat and crypto managed in one account
- Cheap €5/mo entry plan and very low SEPA-out cost (€0.10)
- Serves clients worldwide (excluding the US and sanctioned countries)
- SEPA Instant plus SWIFT in EUR/GBP/USD
Cons
- Safeguarding only — no €100k DGS protection
- Lithuanian IBAN, not a local Malta/Cyprus one
- SWIFT-in (€18) and inactivity fees (€25–€200/mo) add up
- High-risk onboarding means heavier KYC and variable approval times
- Some users report friction with crypto handling and support
Who it’s for
Bankera is built for crypto, forex and other “high-risk” businesses — and any internationally-minded EU company — that need working SEPA/SWIFT rails and an account that handles fiat and crypto together. It’s a poor fit if you want bank-grade deposit protection, a local Maltese or Cypriot IBAN, or a cheap, hands-off everyday account.
Verdict
One of the few EU e-money institutions that genuinely welcomes crypto and high-risk businesses, backed by its own Lithuanian licence and cheap SEPA. Just remember it’s a safeguarded EMI with a Lithuanian IBAN, not a protected local bank account. 3.6 / 5.
Information is accurate to the best of our knowledge as of mid-2026 and may change. Always verify current details on Bankera’s official website before opening an account. This article is informational only and is not financial advice.