Online IBAN Account Rates / Charges for European Banking and Non European Banking

Zero Stress Cross Border Banking Solution

You can use Monvenience IBAN account to perform all your online bank operations, and at best possible rates, practically from any geography like Asia, Canada, Brazil, Anywhere in Europe, Australia, New Zealand and some African countries as well. Our European Bank IBAN Account can be opened by using your local papers and passport copy. You can use or operate it at the convenience of your mobile phone or laptop, in utmost secured environment.

Please note that we issue cross border banking, business, no limit IBAN accounts that will take care of all your overseas business banking needs, with the convenience of both SEPA and SWIFT, in multicurrency. You Can SWIFT accounts in EUR, USD, GBP, CHF, AED, CAD, CZK, DKK, HUF, NOK, PLN, RON and SEK.

Please check our rates below :

Rates effective from 25th of June, 2023

Private Account Charges

Note: If you have dual citizenship, and one of the citizenship is non EU, then Non Eu Private account charges will be applicable

EU tariffs are also applicable for UK customers.

Private EU
ACCOUNT ACCESS MANAGEMENT
Open account Free
Monthly Maintenance Fee € 1
Additional Account € 10
Minimum Balance
Transaction Verification Code (TVC) Reset € 5
PAYMENTS
Incoming/ Outgoing internal transfer within Monvenience € 0.1% max 100
SEPA Outgoing Transfer € 3
SEPA Incoming Transfer € 0.1% max 100
SWIFT Incoming Transfer € 0.2% min 10 EUR, max 100 EUR
SWIFT Outgoing Transfer € 0.5% min 15 EUR, max 350 EUR
OTHER FEES
SWIFT/SEPA confirmation € 15
Payment reversal fee € 50
Account Closing € 10
Compliance audit € 100
Official reference letter € 10
Amendment request € 15
Fee for holding funds, if account balance is equivalent or higher than 20.000 EUR € 0,10 per day per each € 1.000
Private Non-EU
ACCOUNT ACCESS MANAGEMENT
Open account € 700
Monthly Maintenance Fee € 35
Additional Account € 150
Minimum Balance € 250
Transaction Verification Code (TVC) Reset € 5
PAYMENTS
Incoming/ Outgoing internal transfer within Monvenience € 0.1% max 100
SEPA Outgoing Transfer € 0.1% max 100
SEPA Incoming Transfer € 0.1% max 100
SWIFT Incoming Transfer € 0.2% min 10 EUR
SWIFT Outgoing Transfer € 0.5% min 15 EUR
OTHER FEES
SWIFT/SEPA confirmation € 30
Payment reversal fee € 50
Account Closing € 100
Compliance audit € 500
Official reference letter € 15
Amendment request € 25
Fee for holding funds, if account balance is equivalent or higher than 20.000 EUR € 0,10 per day per each € 1.000

Corporate Account Charges

Note: Non EU corporate charges will be applicable if the company is incorporated outside EU, and/or any of the UBOs have a non EU citizenship, even in dual citizenship

EU tariffs are also applicable for UK customers.

Corporate EU
ACCOUNT ACCESS MANAGEMENT
Open account € 399
Monthly Maintenance Fee € 35
Minimum Balance € 250
Additional Account € 100
Transaction Verification Code (TVC) Reset € 10
PAYMENTS
Incoming/ Outgoing internal transfer within Monvenience € 0.1% max 100
SEPA Outgoing Transfer € 0.1% max 100
SEPA Incoming Transfer € 0.1% max 100
SWIFT Incoming Transfer € 0.2% min 15 EUR, max 400 EUR
SWIFT Outgoing Transfer € 0.5% min 20 EUR
OTHER FEES
SWIFT/SEPA confirmation € 30
Payment reversal fee € 50
Account Closing € 100
Compliance audit € 500
Official reference letter € 15
Amendment request € 25
Fee for holding funds, if account balance is equivalent or higher than 20.000 EUR € 0,10 per day per each € 1.000
Corporate Non-EU
ACCOUNT ACCESS MANAGEMENT
Open account € 1,475
Monthly Maintenance Fee € 199
Minimum Balance € 750
Additional Account € 200
Transaction Verification Code (TVC) Reset € 15
PAYMENTS
Incoming/ Outgoing internal transfer within Monvenience € 0.1% max 100
SEPA Outgoing Transfer € 0.1% max 100
SEPA Incoming Transfer € 0.1% max 100
SWIFT Incoming Transfer € 0.2% min 15 EUR
SWIFT Outgoing Transfer € 0.5% min 20 EUR
OTHER FEES
SWIFT/SEPA confirmation € 30
Payment reversal fee € 50
Account Closing € 250
Compliance audit € 500
Official reference letter € 25
Amendment request € 25
Fee for holding funds, if account balance is equivalent or higher than 20.000 EUR € 0,10 per day per each € 1.000

Rates for Freelancer Account

Current account
Open account 100 EUR
Additional account opening fee 15 EUR
Internet Account Access Management
Monthly maintenance fee 10 EUR
Minimum balance 50 EUR
Transaction Verification Code (TVC) reset Free
Payments
Incoming/Outgoing internal transfer within Satchel Free
SEPA incoming transfer 5 EUR
SEPA outgoing transfer 5 EUR
SWIFT incoming transfer 0.4% min 20 EUR, max 250 EUR
SWIFT outgoing transfer 1% min 30 EUR, max 450 EUR
Other Fees
SWIFT/SEPA confirmation 15 EUR
Payment reversal fee 30 EUR
Account closing Free
Compliance audit 50 EUR
Official reference letter 15 EUR
Amendment request 25 EUR
Standard audit confirmation of accounts and balances 100 EUR

Apply for your international IBAN account:

Personal (EU)

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Personal (Non EU)

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Business (EU)

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Business (Non EU)

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Corporate Card Fees

Physical

Business
Card issuance fee
(one-time fee)		 9 EUR
Monthly card fee 8 EUR
Card loading fee Free
ATM cash withdrawal
(domestic)		 1.5 EUR
ATM cash withdrawal
(international)		 1.5% + 1.5 EUR
Ecommerce purchases
(domestic)		 0.3% + 0.15 EUR
Ecommerce purchases
(international)		 1.2% + 0.15 EUR
Transaction decline 0.5 EUR
ATM/POS Foreign Exchange
(markup)		 1%
Card replacement 9 EUR
ATM Balance Enquiry
(domestic)		 0.5 EUR
ATM Balance Enquiry
(international)		 1 EUR
Express shipping EU
(2-3 days)		 100 EUR
Express shipping worldwide
(3-5 days)		 150 EUR
Regular post shipping
(15-20 days)		 10 EUR
Card statement* 40 EUR

Virtual

Business
Monthly card fee 8 EUR
Card loading fee Free
Ecommerce purchases
(domestic)		 0.3% + 0.15 EUR
Ecommerce purchases
(international)		 1.2% + 0.15 EUR
Transaction decline 0.5 EUR
Card statement* 40 EUR

*Card statement for the last 3 months – free

Corporate Card Limits

Physical

Business
ATM – Max Value Per transaction 500 EUR
ATM – Max number per day 10
ATM – Max value per day 2500 EUR
ATM – Max value per month 20000 EUR
Ecommerce – max value per transaction 5000 EUR
Ecommerce – Max number per day 20
Ecommerce – Max value per day 5000 EUR
Purchases – max value per transaction 20000 EUR
Purchases – Max number per day 20
Purchases – Max value per day 20000 EUR
Card Max Balance 20000 EUR
Daily load limit 5000 EUR
Monthly load limit 40000 EUR
Yearly load limit 200000 EUR

Virtual

Business
Ecommerce – max value per transaction 5000 EUR
Ecommerce – Max number per day 20
Ecommerce – Max value per day 5000 EUR
Purchases – max value per transaction 20000 EUR
Purchases – Max number per day 20
Purchases – Max value per day 20000 EUR
Card Max Balance 20000 EUR
Daily load limit 5000 EUR
Monthly load limit 40000 EUR
Yearly load limit 200000 EUR

Card Fees: Personal and Freelancer

Physical Card fees

Regular Spender Active Spender / Traveler
Monthly card fee 1 EUR 6 EUR
Card loading fee Free Free
Ecommerce purchases (domestic) 0.3% + 0.15 EUR 0.25% + 0.15 EUR
Ecommerce purchases (international) 1.5% + 0.15 EUR 1.1% + 0.15 EUR
Transaction decline 0.5 EUR 0.5 EUR
Card statement* 40 EUR 40 EUR

*Card statement for the last 3 months – free

Physical Card Limits

Regular Spender Active Spender / Traveler
Ecommerce – max value per transaction 2500 EUR 5000 EUR
Ecommerce – Max number per day 20 20
Ecommerce – Max value per day 2500 EUR 5000 EUR
Purchases – max value per transaction 2500 EUR 20000 EUR
Purchases – Max number per day 20 20
Purchases – Max value per day 20000 EUR 20000 EUR
Card Max Balance 20000 EUR 20000 EUR
Daily load limit 5000 EUR 5000 EUR
Monthly load limit 20000 EUR 40000 EUR
Yearly load limit 80000 EUR 200000 EUR

Card Fees: Personal and Freelancer:

Virtual Card fees

Regular Spender Active Spender / Traveler
Monthly card fee 1 EUR 6 EUR
Card loading fee Free Free
Ecommerce purchases (domestic) 0.3% + 0.15 EUR 0.25% + 0.15 EUR
Ecommerce purchases (international) 1.5% + 0.15 EUR 1.1% + 0.15 EUR
Transaction decline 0.5 EUR 0.5 EUR
Card statement* 40 EUR 40 EUR

*Card statement for the last 3 months – free

Virtual Card Limits

Regular Spender Active Spender / Traveler
Ecommerce – max value per transaction 2500 EUR 5000 EUR
Ecommerce – Max number per day 20 20
Ecommerce – Max value per day 2500 EUR 5000 EUR
Purchases – max value per transaction 2500 EUR 20000 EUR
Purchases – Max number per day 20 20
Purchases – Max value per day 20000 EUR 20000 EUR
Card Max Balance 20000 EUR 20000 EUR
Daily load limit 5000 EUR 5000 EUR
Monthly load limit 20000 EUR 40000 EUR
Yearly load limit 80000 EUR 200000 EUR

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Previous Rates

Rates From 20-10-2019 to 31-05-2021

Rates effective till 24th of June, 2023