Free Bank Account Online in Minutes

Mobile and online banking with a free IBAN account in Europe, payment cards, cashbacks and crypto features. Get a payment card Mastercard, up to 5% cashbacks, integrated crypto service and much more for €0 per month. No paperwork. No queues. No account fees. No hassle.

How to open an account?

1. Complete online application.
To fill an application, you need your personal details and a tax number.

2. Confirm your identity and address.
Follow the instructions to take a selfie, take a picture of your ID and send an address proof.

3. Download the App.
The app is available at the Play Market and the App Store.

4. Start enjoying the high-end fintech services.
Immediately after registration, an IBAN account, a virtual card and a crypto wallet are available to you.

Making your daily routine more convenient

Open a free account. Free IBAN is available globally for 16+ years old residents of all countries and has no maintenance fees. The easiest way to keep your money in Euro wherever you are.

Free Mastercard. Get access to your virtual card instantly, while waiting a couple of days for your plastic card to arrive. 24 hours after the card is issued, we will send it by regular mail delivery to anywhere in the world. There are really no hidden service charges or commissions. It is profitable with us. Cashback up to 5%. Up to 4% p.a. reward.

Send and receive money in Fiat and Crypto online. We provide our customers with 4 solutions for money transferring in Euro and crypto, so each payment can be performed as easy as required. Free SEPA transfers. Send and receive money from other IBAN accounts within EEA, the UK and Switzerland with no limits. Card-to-card payments. Crypto transactions. Most of transfers cost €0.

Your money is safe: 3D Secure card payments & Custodial crypto wallets. High-end safety for our customers' assets is delivered through each step of the user experience. Your protection is carried out at every stage of the user experience. All operations are clear and easy-to-perform with any level of crypto experience. Each transaction is protected with 3D Secure protocol that requires a PIN or Biometrics for the operation’s confirmation. No payment can be performed without your approval.

Convert Euro to Crypto and vice versa with lowest fees on the market. All-in-one wallet where you can securely buy, sell, send, receive and store your digital assets. Everything is in the same app, where you perform Euro transactions. Explore the possibilities of the integrated crypto service. Build your crypto portfolio effortlessly within a single, seamless app. Your digital assets are securely protected. You get all benefits of the custodial crypto wallet including the private keys safety provided by a licenced financial institution.

Pay as you do with your payment card and get cashback. Pick one of the 4 bonus programs in the Cashback section of your Blackcatcard app and start getting bonuses that suit you. Up to 4% p.a. reward - Get competitive passive income with no special requirements for good keepers. 2% cashback on Amazon. Make your daily shopping routine even more enjoyable with an outstanding cashback. 0.5% cashback on all card purchases. 5% cashback at Google Play Market - Encourage your digital and mobile experience in a profitable way. Get up to 30% on Shopping, Beauty, Well-being, and Travel. We joined Mastercard’s program, giving our users access to carious exclusive offers. Open an account to learn more.

What is mobile banking?

Mobile banking apps allow you to carry out a range of financial transactions – from paying for goods and services to sending money overseas, exchanging fiat currencies and even buying cryptocurrencies – using your phone or mobile device.

What is the difference between online banking and mobile banking?

Mobile banking is performed using a secure app running on your mobile device, not via its browser. By comparison, ‘online banking’ doesn’t necessarily use an app. It could involve you logging into your bank’s website via a browser on any internet capable device. Online banking has some inherent security flaws, which is why most online banking systems require you to verify your identity using a mobile device.

What is a mobile banking app?

A mobile banking app such as Blackcatcard is an app for your smartphone or mobile device which allows you to access various financial services anywhere you have a data or internet connection.

What are the benefits of mobile banking?

24 hour a day, 7 day a week access to your money and financial services! You’ll never have to visit a bank branch in person with a mobile solution like Blackcatcard, and it is open as long as you have a data connection! There are, literally, no questions we can’t answer or issues we can’t resolve online. Card issues, opening a new account, any kind of transfers or service – you can do it all with your app! Imagine not being restricted to your bank’s business hours anymore! Convert fiat currencies to crypto and send money to anyone and at any time, day or night.

The ease with which you can manage your money and finances! Mobile apps like Blackcatcard help you keep track of multiple currencies (fiat & crypto) in separate wallets, make it easy to pay bills and exchange currencies, and much more. Manage accounts, payment cards and crypto services (store, buy and sell), all with your Blackcatcard app. We understand how important crypto assets are to modern life, and how much more vital they will become in the near future. That’s why we’ve integrated a fully functional, feature-heavy crypto service. Washes borders aside, and convert Euro to Crypto and back again with lowest fees on the market today!

More control over your money and assets! A mobile app like Blackcatcard is practically a magic wand for your finances. You can deposit money anywhere in the world, grant or block access to your accounts or data, or buy a range of different cryptocurrencies. Make SEPA transfers, internal payments or crypto payments 24 hours a day, 7 days a week. We even offer four different bonus programs for you to choose from! You can even get a fully functional plastic card if you don’t want to rely solely on the app. In fact, order as many cards as you need, and handle your entire family’s expenses from a single account. You can set, track and change spending limits for each individual card (and each cardholder) from the app with a few taps. Blackcatcard is the perfect alternative to classic banking.

Strong, reliable cybersecurity! Blackcatcard has the latest generation of mobile financial services apps, as well as the strongest privacy and security protections the industry has ever seen. Login requires 2-factor biometrics (face and fingerprint recognition), as well as a PIN entry. All online payments are protected by 3D Secure, but you’ll only need to provide facial or fingerprint ID after login. And if you lose your card, you can easily block it until it is found or replaced. Your money (and your financial data) has never been safer.

Options tailored to you personally! Old-fashioned banks, even if they offer online banking, are very limited as to the services they can provide – sometimes by regulation but sometimes merely by tradition. If you have changed your name, for example, many traditional banking institutions insist that you continue to use your birth-name for official business. Mobile apps like Blackcatcard tend to be much more sensitive to the changing needs of the younger generations of users. In fact, Blackcatcard is a great way to each your kids control spendings and improve their financial literacy. For example, Blackcatcard only asks for the minimum personal information and documentation necessary to comply with regulations. We let you show your personality by ordering cards in your nickname or chosen name, rather than your officially recognised name. There are no maintenance fees, plenty of loyalty rewards and cashback offers, and you get a 2,2% rate of return on your account!

Frequently Asked questions

How to top-up an account?

Click on the "Top Up Account" button on the main screen and select one of the transfer options: using a top-up code or by incoming SEPA payment. Both options are free.

Additionally, you can top up your account by selling cryptocurrencies. In order to sell it, click on “Crypto service”, pick a currency and click on “Sell”.

In order to top up your integrated hot wallet, click on the “Crypto service” pick a currency and click on “Receive”. Your wallet’s address and the QR code will be available on the screen.

What documents are required for registration?

In order to register, you will need your passport (or an ID card), TAX number and address proof.

The documents that can be used as address proof:

  • Bank statement (3 months or less old);
  • Utility bills for an apartment, electricity, gas, water supply, fixed Internet, cable TV, landline telephone (3 months or less old); mobile phone bills are not accepted;
  • Declared address (registration), if it is indicated in your country;
  • A letter from a state institution, for example, from the land service with the calculation of the land tax for the current yearIdentity card of the resident;
  • Permanent or temporary residence permits;
  • Lease agreement (for European Union countries only);
  • Identification document or passport;

If you are a citizen of a country that is outside of the EEA, but you reside in the EEA, you will need to provide one of the following documents additionally to prove your residence for obtaining a payment card:

  • Temporary or permanent Residence Permit
  • Long-term Visa (Type D)
  • Refugee certificate
  • Other document or certificate issued by a state institution confirming the right to stay in the country (Certificate of Stay)

Due to new European restrictions, we are currently required to ask Russian citizens living outside of Russia to provide a residence permit, a long-term visa (Schengen visa type D or similar) allowing a stay in the country for more than 180 days, or an identity document, issued in the country of residence, as proof of address to access SEPA payments.

Who can obtain a payment card?

Blackcatcard payment cards can only be issued for 16+ years old customers who can provide an address proof from any of the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

If you are a citizen of a country that is outside of the EEA, but you reside in the EEA, you will need to provide one of the following documents additionally to prove your residence for obtaining a payment card:

  • Temporary or permanent Residence Permit
  • Long-term Visa (Type D)
  • Refugee certificate
  • Other document or certificate issued by a state institution confirming the right to stay in the country (Certificate of Stay)

How do the bonus programs work?

Currently, there are 4 bonus programs with the following conditions:

  • up to 4% p.a. reward - without additional requirements. It is on by default.
  • 2% cashback on Amazon - purchases must be made on Amazon, and the maximum monthly cashback amount is 50 EUR.
  • 5% cashback at Google Play Market - purchases must be made at Google Play Market.
  • 0.5% cashback for card purchases - Amount of card purchases - is equal to or more than 50 EUR per month. ATM withdrawals, card-to-card transfers, and transfers to other financial services are excluded from the cashback calculations.

About us

Blackcatcard is an international money service that was founded in 2019 and is based in Europe. It is issued by Papaya Ltd., licensed by the Malta Financial Services Authority as an Electronic Money Institution (EMI) with the registration number C55146. It offers virtual and plastic cards which can be accepted at any ATM or payment terminal that works with Mastercard. The creation of the account and the virtual card, as well as card maintenance, come free of charge for individuals. Blackcatcard provides an online bank service, and an app to manage cards and accounts, as well as all integrated services. The service is available for individual and corporate customers alike. These include various cashback and bonus programs, cryptocurrency-related services in addition to traditional fiat ones, and the option of issuing additional cards tied to the single account, The Blackcatcard service is primarily meant for citizens of the EEA but is also well-loved by users from other regions, such as the US, South Korea, China, South Africa and many others. People worldwide can use the European IBAN account and Blackcatcard mobile application without any problems, however, the payment card is available only for customers with the EEA address proofs.

How to make more money? Earn up to 4% annual rate on the balance