Bankera review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bankera suits businesses and freelancers who want several currencies, crypto and a virtual card in one place, and who accept a standing charge on the personal account. The currency conversion fee runs 1.1% to 1.2% and the personal account monthly fee is €8.99.
Key facts
- Best for
- Businesses holding and spending across several currencies.
- Monthly fee
- €8.99 (Source, checked September 26, 2026)
- Currency conversion fee
- 1.1% to 1.2% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €200 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- from 14 (Source, checked September 26, 2026)
- Legal entity
- Era Finance Ltd (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Crypto, Virtual card
- Audience
- Business
- Official website
- bankera.com
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Multi-currency, crypto and virtual card features sit on one account
- Free ATM withdrawals of €200 on the personal card
- A debit card on the visa network, with a virtual card available
- Support runs through email and help centre and a help centre
Cons
- The personal account carries a monthly fee of €8.99
- Currency conversion costs 1.1% to 1.2%, close to the debit median of 1%
- Support runs on email and help centre and a help centre, without a phone line
Who it suits
- Businesses that trade in more than one currency
- Freelancers and sole traders paying suppliers abroad
- Anyone wanting crypto and a virtual card alongside day-to-day spending
Who should look elsewhere
- Readers who want no monthly fee, where Wise charges £0
- Day-to-day personal banking, since the audience is business
- Credit building, where the Varo Believe Secured Credit Card takes a different route
Who runs it
Bankera is operated by Era Finance Ltd, which sits on the Bank of Lithuania register of financial market participants under licence 17. The audience is business, so the card is aimed at companies and traders rather than personal banking customers. Questions go through email and a self-serve help centre, with written guidance on common card and currency issues.
How Bankera compares
8.8 vs 9.4
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8.8 vs 8.9
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8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
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8.8 vs 8.8
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 9.6
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
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8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
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8.8 vs 8.0
8.8 vs 8.0
Where Bankera is available
- Available
- Everywhere except Belarus, Iran, North Korea, Russia, United States
- Licence in Lithuania
- Bank of Lithuania (17), checked September 26, 2026
Frequently asked questions
What does Bankera cost each month?+
The personal account carries a monthly fee of €8.99. Currency conversion adds 1.1% to 1.2% on top, and the personal card includes free ATM withdrawals of €200. Costs add up for anyone paying in several currencies often.
What currency conversion fee does Bankera charge?+
Fees run 1.1% to 1.2% for currency conversion. The median across the debit ranking is 1%, so Bankera sits near the middle rather than at the free end of the market.
Is Bankera regulated?+
The account is run by Era Finance Ltd, which is listed on the Bank of Lithuania register of financial market participants under licence 17. A trust centre also sets out how the company is structured.
Who is Bankera built for?+
The audience is business, so the account targets companies, freelancers and traders rather than personal customers. It supports multi-currency balances, crypto and a virtual card, which suits paying suppliers and staff across markets.
What kind of card does Bankera issue?+
It is a debit card on the visa network, so it works like an ordinary payment card against the balance held. A virtual card is also available, which is handy for online subscriptions and staff expense cards.
How many currencies can I hold?+
The account covers from 14 currencies, with multi-currency, crypto and virtual card features on the same plan. Holding balances in the currency you pay in reduces how often you convert, and with it the 1.1% to 1.2% charge.
How do I get help from Bankera?+
Support runs on email and help centre, alongside a help centre for common questions on cards, currencies and fees. There is no phone support, so written answers carry the load for anything urgent.
Sources
- bankera.com checked September 26, 2026
Backs: Card type, Card network, Support channels
“Physical and virtual VISA debit cards linked to your account”
- bankera.com/affiliate-program checked September 26, 2026
Backs: Currencies
“SEPA and SWIFT payments in 14+ currencies”
- bankera.com/faq/what-is-bankera checked September 26, 2026
Backs: Audience
“For businesses, Bankera offers a diverse selection of solutions, including SWIFT and SEPA payments for market players in various industries and geographical locations, as well as corporate Visa cards.”
- bankera.com/pricing/personal-account checked September 26, 2026
Backs: Features, Monthly fee
“Crypto Exchanges (transfers to/from) SUPPORTED; First virtual card order FREE; SEPA and SWIFT payments in 14+ currencies”
- bankera.com/pricing/personal-card checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee
“Enjoy 3 free ATM withdrawals per month; ATM fees - Withdrawals (in Lithuania) FREE up to 200 EUR, 1% above 200 EUR per month”
- bankera.com/trust-center checked September 26, 2026
Backs: Legal entity
“Bankera services are managed by Era Finance Ltd, a registered agent of Pervesk UAB.”
- lb.lt/en/enforcement-measures-1/view_license checked September 26, 2026
Backs: Licences
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.