Corporate accounts

Account opening (application processing)
€ 15
Legal entity registered in a country from the List 1       with VAT      
€ 500
Legal entity registered in a country from the List 1       without VAT      
€ 1000
Legal entity registered in a country outside of the List 1      
€ 1500
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Corporate client activation fee
€ 15
Legal entity registered in a country from the List 1       with VAT      
€ 100
Legal entity registered in a country from the List 1       without VAT      
€ 150
Legal entity registered in a country outside of the List 1      
€ 250
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Additional IBAN registration
€ 10
Legal entity registered in a country from the List 1       with VAT      
€ 250
Legal entity registered in a country from the List 1       without VAT      
€ 500
Legal entity registered in a country outside of the List 1      
€ 1000
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
IBAN account monthly fee
€ 25
Legal entity registered in a country from the List 1       with VAT      
€ 50
Legal entity registered in a country from the List 1       without VAT      
€ 100
Legal entity registered in a country outside of the List 1      
€ 150
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
AML/Compliance additional fee (quarterly)
€ 50
Legal entity registered in a country from the List 1       with VAT      
€ 100
Legal entity registered in a country from the List 1       without VAT      
€ 150
Legal entity registered in a country outside of the List 1      
€ 500
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
IBAN closure (client request)
€ 15
Legal entity registered in a country from the List 1       with VAT      
€ 100
Legal entity registered in a country from the List 1       without VAT      
€ 100
Legal entity registered in a country outside of the List 1      
€ 250
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
IBAN closure (Papaya Ltd. decision)
€ 750
Legal entity registered in a country from the List 1       with VAT      
€ 1500
Legal entity registered in a country from the List 1       without VAT      
€ 2500
Legal entity registered in a country outside of the List 1      
€ 5000
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      

Payment services

Incoming payment fee (SEPA)
Free
Legal entity registered in a country from the List 1       with VAT      
€ 5
Legal entity registered in a country from the List 1       without VAT      
€ 15
Legal entity registered in a country outside of the List 1      
0.1 %  (max. € 15)
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Outgoing payment fee (SEPA)
€ 7
Legal entity registered in a country from the List 1       with VAT      
€ 35
Legal entity registered in a country from the List 1       without VAT      
€ 50
Legal entity registered in a country outside of the List 1      
€ 100
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Outgoing payment fee (additional fee for transfers > €100 000)
€ 25
Legal entity registered in a country from the List 1       with VAT      
0.1 %  (max. € 500)
Legal entity registered in a country from the List 1       without VAT      
0.15 %
Legal entity registered in a country outside of the List 1      
0.25 %
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Contragent Bank request service fee
€ 50
Legal entity registered in a country from the List 1       with VAT      
€ 100
Legal entity registered in a country from the List 1       without VAT      
€ 125
Legal entity registered in a country outside of the List 1      
€ 200
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Payment cancellation
€ 50
Legal entity registered in a country from the List 1       with VAT      
€ 50
Legal entity registered in a country from the List 1       without VAT      
€ 50
Legal entity registered in a country outside of the List 1      
€ 50
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Payment return - ordering party request (CANCEL)
€ 25
Legal entity registered in a country from the List 1       with VAT      
€ 25
Legal entity registered in a country from the List 1       without VAT      
€ 50
Legal entity registered in a country outside of the List 1      
€ 50
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      
Payment return - ordering party request (FRAUD)     
€ 25
Legal entity registered in a country from the List 1       with VAT      
€ 25
Legal entity registered in a country from the List 1       without VAT      
€ 50
Legal entity registered in a country outside of the List 1      
€ 50
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.      

Corporate card

Virtual card registration
Free
Legal entity registered in a country from the List 1       with VAT      
Free
Legal entity registered in a country from the List 1       without VAT      
Free
Legal entity registered in a country from the List 2      
Free
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Corporate Blackcatcard issuance fee
Free
Legal entity registered in a country from the List 1       with VAT      
€ 15
Legal entity registered in a country from the List 1       without VAT      
€ 50
Legal entity registered in a country from the List 2      
€ 100
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Blackcatcard transaction claim (if the claim had no grounds)
€ 30
Legal entity registered in a country from the List 1       with VAT      
€ 30
Legal entity registered in a country from the List 1       without VAT      
€ 30
Legal entity registered in a country from the List 2      
€ 30
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Blackcatcard negative balance fee
60 %
Legal entity registered in a country from the List 1       with VAT      
60 %
Legal entity registered in a country from the List 1       without VAT      
60 %
Legal entity registered in a country from the List 2      
60 %
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Blackcatcard annual fee
€ 25
Legal entity registered in a country from the List 1       with VAT      
€ 50
Legal entity registered in a country from the List 1       without VAT      
€ 100
Legal entity registered in a country from the List 2      
€ 25
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Corporate Blackcatcard replacement fee
€ 50
Legal entity registered in a country from the List 1       with VAT      
€ 75
Legal entity registered in a country from the List 1       without VAT      
€ 100
Legal entity registered in a country from the List 2      
€ 50
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Blackcatcard currency exchange of transaction currency into account currency
3 %
Legal entity registered in a country from the List 1       with VAT      
3 %
Legal entity registered in a country from the List 1       without VAT      
3 %
Legal entity registered in a country from the List 2      
3 %
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      

Cash withdrawal

ATM cash withdrawal limits (daily)
€ 15 000
Legal entity registered in a country from the List 1       with VAT      
€ 5 000
Legal entity registered in a country from the List 1       without VAT      
€ 10 000
Legal entity registered in a country from the List 2      
€ 500
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
ATM cash withdrawal limits (monthly)
€ 15 000
Legal entity registered in a country from the List 1       with VAT      
€ 5 000
Legal entity registered in a country from the List 1       without VAT      
€ 10 000
Legal entity registered in a country from the List 2      
€ 500
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Withdrawal fee per transaction (< 5 transactions per month)
2 %  (min. € 5)
Legal entity registered in a country from the List 1       with VAT      
2 %  (min. € 5)
Legal entity registered in a country from the List 1       without VAT      
2 %  (min. € 5)
Legal entity registered in a country from the List 2      
2 %  (min. € 5)
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Withdrawal fee per transaction (6+ transactions per month)
3 %  (min. € 5)
Legal entity registered in a country from the List 1       with VAT      
3 %  (min. € 5)
Legal entity registered in a country from the List 1       without VAT      
3 %  (min. € 5)
Legal entity registered in a country from the List 2      
3 %  (min. € 5)
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      

Additional services

Online Bill Payments
3 %
Current account confirmation letter (electronic, with signature) - sent by email
€ 15
Legal entity registered in a country from the List 1       with VAT      
€ 15
Legal entity registered in a country from the List 1       without VAT      
€ 15
Legal entity registered in a country from the List 2      
€ 15
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Reference letter (electronic, signed, on individual basis)     
€ 75
Legal entity registered in a country from the List 1       with VAT      
€ 75
Legal entity registered in a country from the List 1       without VAT      
€ 75
Legal entity registered in a country from the List 2      
€ 75
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Account statement (electronic, signed, fee per 1 page)
€ 2
Legal entity registered in a country from the List 1       with VAT      
€ 2
Legal entity registered in a country from the List 1       without VAT      
€ 2
Legal entity registered in a country from the List 2      
€ 2
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Audit request answer (excluding postal costs)
€ 75
Legal entity registered in a country from the List 1       with VAT      
€ 150
Legal entity registered in a country from the List 1       without VAT      
€ 150
Legal entity registered in a country from the List 2      
€ 150
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Postal services (express courrier post)
€ 75
Legal entity registered in a country from the List 1       with VAT      
€ 75
Legal entity registered in a country from the List 1       without VAT      
€ 75
Legal entity registered in a country from the List 2      
€ 75
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
Copy of the payment instruction - sent by email
€ 5
Legal entity registered in a country from the List 1       with VAT      
€ 10
Legal entity registered in a country from the List 1       without VAT      
€ 10
Legal entity registered in a country from the List 2      
€ 10
FinTech legal entities, including, but not limited to licensed financial institutions, crypto-based operators, etc.       registered in a country from the List 1       or the List 2      
If there are any questions, you can contact the 24/7 support below
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The bonus payment is a part of the loyalty program provided by FINTECH ASSETS OÜ. Detailed terms and conditions can be found here.

An integrated hot wallet and the crypto service are provided by our partner DigiNORD. You can find more information here.

Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ireland , Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

VAT number of legal entity should be registered with open source data https://ec.europa.eu/taxation_customs/vies/

Bulgaria, Greece, Hungary, Iceland, Liechtenstein, Norway, Canary Islands, Ceuta, Melilla, Azores, Madeira, Aland Islands, Jan Mayen, French Guiana, Guadeloupe, Martinique, Réunion, Saint Martin (French Part), and Mayotte

Not-listed licensed institutions are to be analyzed on individual basis

Financial institution keeps the rights to debit all the direct fees related to occurred during payment refund processing

The customer should be Papaya Ltd's client for at least 6 months (from the approval process)