Demivolt review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
Demivolt is a regulated European business account provider known for combining payments, card programmes and white label infrastructure on one platform. It serves companies, fintechs and platforms that want direct IBANs and scheme access under Lithuanian supervision with SEPA and international reach.
Key facts
- Best for
- Companies building on regulated European payment infrastructure
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 11 (Source, checked September 26, 2026)
- Legal entity
- Demivolt, UAB (Source, checked September 26, 2026)
- Headquarters
- Lithuania (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Audience
- Business
- Official website
- demivolt.com
Apps and profiles
Pros and cons
Pros
- Direct SEPA participation with own IBAN infrastructure for business payments
- Visa principal membership gives direct scheme access without sponsor bank
- Multi currency IBANs and card programme tools under one platform
- Seven build routes from business accounts to white label models
Cons
- Focused on businesses, fintechs and platforms rather than private individuals
- European regulated base centres activity on SEPA and international transfers
Who it suits
- Companies operating with European business accounts
- Fintechs launching card programmes
- Platforms embedding regulated finance features
Who should look elsewhere
- Private individuals seeking personal accounts
The company behind it
Demivolt operates as a regulated Electronic Money Institution based in Lithuania. The Bank of Lithuania has authorised and supervised the institution since 2020. It holds Visa principal membership with direct scheme access and participates directly in SEPA with its own IBAN infrastructure. The company runs business accounts, payment services, card programme infrastructure and white label financial products. It also organises partner, agency and reseller models under a defined legal framework. The platform centres on companies, fintechs and platforms building across Europe.
How your money is protected
Demivolt safeguards client funds in line with regulatory obligations and holds them separately with partner credit institutions. Protection rests on compliance controls that apply from onboarding through ongoing operation. Checks include KYB and KYC review, sanctions screening, transaction monitoring and fraud review. Complaints handling, reporting assistance, policies, staff training and continued oversight complete the framework that governs accounts, payments and card activity.
How Demivolt compares
Where Demivolt is available
- Available
- Everywhere except Afghanistan, Antigua and Barbuda, Anguilla, Angola, Antarctica, Aruba, Barbados, Burkina Faso, Bahrain, Burundi, Bermuda, Brunei, Bolivia, Bahamas, Bouvet Island, Belarus, Belize, Democratic Republic of the Congo, Central African Republic, Côte d'Ivoire, Cook Islands, Cameroon, Cuba, Curacao, Djibouti, Dominica, Algeria, Ecuador, Ethiopia, Fiji, Guernsey, Gibraltar, Guinea, South Georgia and the South Sandwich Islands, Guatemala, Guinea-Bissau, Heard Island and McDonald Islands, Haiti, Isle of Man, Iraq, Iran, Jersey, Kenya, Saint Kitts and Nevis, North Korea, Kuwait, Cayman Islands, Laos, Lebanon, Liberia, Libya, Monaco, Marshall Islands, Mali, Myanmar, Montserrat, Mauritius, Maldives, Mozambique, Namibia, Niger, Nigeria, Nicaragua, Nepal, Nauru, Niue, French Polynesia, Papua New Guinea, Saint Pierre And Miquelon, Palau, Russia, Seychelles, Sudan, Saint Helena, Ascension and Tristan da Cunha, Somalia, South Sudan, Sint Maarten, Syria, Turks and Caicos Islands, French Southern Territories, Tonga, Trinidad and Tobago, Tanzania, Ukraine, United States Minor Outlying Islands, United States, Venezuela, Virgin Islands, British, Virgin Islands, U.S., Vietnam, Vanuatu, Samoa, Yemen, South Africa, Zimbabwe
- Licence in Lithuania
- Bank of Lithuania (77), checked September 26, 2026
- Licence in Lithuania
- LT_BL (PSD_EMI 305562462), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does Demivolt offer businesses?+
Demivolt provides business accounts with dedicated IBANs, payments, cards and currency services. Companies operate directly with Demivolt through one platform for users, payments and expenses. Card programme tools and white label models are also included.
Where does Demivolt operate?+
Demivolt serves companies, fintechs and platforms that operate across Europe. Its base is Lithuania with direct SEPA participation and international transfer capability. Virtual IBANs help match incoming payments to customers or purposes.
Which company stands behind Demivolt?+
Demivolt works as a regulated Electronic Money Institution in Lithuania. The Bank of Lithuania has authorised and supervised the institution since 2020. It holds Visa principal membership with direct scheme access.
How is customer money protected?+
Demivolt protects client funds by holding them separately with partner credit institutions. Safeguarding follows regulatory obligations with ongoing oversight. Controls include sanctions screening, transaction monitoring and fraud review.
Does Demivolt charge a monthly fee?+
The monthly fee at Demivolt is €0. (Source, checked September 26, 2026)
Where is Demivolt based?+
Demivolt is based in Lithuania. (Source, checked September 26, 2026)
How can I contact Demivolt support?+
Demivolt offers support through Email, Chat, Help-centre. (Source, checked September 26, 2026)
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=305562462; EntityType=PSD_EMI; ENT_NAM=Demivolt, UAB”
- demivolt.com checked September 26, 2026
Backs: Audience, Currencies, Features, Monthly fee, Card network, Support channels
“Payment Solutions for your Business. Simplified. ... Demivolt is built for businesses, platforms, fintech companies, programme managers”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Card type, Protection.